Cheapest Auto Insurance in Spartanburg, South Carolina (2024)

USAA offers the cheapest car insurance in Spartanburg, starting at $45 per month.

Taylor Milam-Samuel
Taylor Milam-Samuel
  • 8+ years writing for major outlets, including MarketWatch and Business Insider

  • Master’s in Education

Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Updated July 14, 2024

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Cheapest recent rates near Spartanburg, South Carolina

Drivers using Insurify have found quotes as cheap as $66/mo for liability only and $92/mo for full coverage in Spartanburg and other South Carolina cities.

*Quotes generated for Insurify users in and around Spartanburg, South Carolina within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Spartanburg, South Carolina within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Spartanburg is known for Croft State Park, the Spartanburg Art Museum, and the Hub City Railroad Museum. Unfortunately, it isn’t known for its low car insurance rates. Liability car insurance costs an average of $148 per month in Spartanburg. This is higher than the national monthly average of $105.

Reckless driving and the nation’s highest fatal car crash rate might explain why coverage costs more in South Carolina.[1] But regardless of the average costs, getting a good deal on car insurance in Spartanburg is possible.

Here’s how to compare quotes and get cheap car insurance in Spartanburg.

Quick Facts
  • USAA, Auto-Owners, and State Farm have the cheapest car insurance in Spartanburg.

  • Spartanburg drivers pay a yearly average of $3,063 for full-coverage car insurance.

  • You must carry at least 25/50/25 coverage to drive legally in South Carolina.

3 of the cheapest car insurance companies in Spartanburg 

Your driving record, ZIP code, age, insurance-based credit score, and more all affect your car insurance rate.[2] As you shop for coverage, consider your budget, vehicle type, and coverage needs to find the best fit.

If you’re looking for cheap car insurance in Spartanburg, consider USAA, State Farm, and Auto-Owners. Car insurance costs can vary dramatically depending on the insurance agency, so it’s essential to compare rates from different companies.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
USAA9.4$87$50Military members and their families
State Farm9.3$97$56Low rates
Auto-Owners8.5$94$54Liability coverage
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for military members and their families: USAA

Compare personalized, real-time quotes
User Reviews
3.7
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$45/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$79/mo

To get insurance through USAA, you must be an active-duty military member, veteran, or an immediate family member of one. South Carolina’s Department of Veterans’ Affairs office is located in Spartanburg, making USAA a solid choice for military veterans in the area.

USAA also consistently earns one of the industry’s highest customer satisfaction ratings, according to J.D. Power.

Pros
  • Policies available in every state

  • Full-service banking and insurance

Cons
  • Must be active, reserve, or retired military member or family member to qualify

  • Optional coverages limited to roadside assistance and rental car reimbursement

Read more driver reviews of USAA
Jane - July 14, 2024
Verified

Easy

Great

Ann - July 13, 2024
Verified

Mediocre Company

They are requiring us to cover our house for more than we feel is necessary. Their deductible for hail damage is $10,000 and the premiums are high.

Laurence - July 13, 2024
Verified

Greed and Lack of Respect

It's almost impossible to reach them by phone. They are rapidly raising rates without cause, despite my loyalty of over 58 years.

Best insurer for low rates: State Farm

Compare personalized, real-time quotes
User Reviews
3.3
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$51/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$88/mo

State Farm is a solid pick if you’re looking for the cheapest average car insurance rates in Spartanburg. You can choose from a wide selection of standard and optional coverage, including car rental reimbursement, medical expenses, roadside assistance, and rideshare insurance.

Spartanburg has 25 agents in the area, allowing you plenty of options to find the best fit for you.

Pros
  • Nation’s largest insurer based on the number of policies written

  • Above-average J.D. Power customer satisfaction scores

Cons
  • Gap insurance not available

  • Not as many discounts as some other insurers

Read more driver reviews of State Farm
Brenda - July 14, 2024
Verified

Again, Very Easy to Work With

They have been very easy to work with.

Ed - July 14, 2024
Verified

Compare

I have been with State Farm for over forty years and have nothing but good things to say about them. However, the rates keep going up, so the advice is to compare.

John - July 14, 2024
Verified

Good

It wasn't bad for years, but recently the rates have skyrocketed.

Best insurer for liability coverage: Auto-Owners

Compare personalized, real-time quotes
User Reviews
3.8
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$49/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$85/mo

Auto-Owners offers exceptionally low rates for liability-only coverage. If you have an older car or rarely drive, Auto-Owners might be a great pick to help you save money. You may also be able to qualify for a low-mileage discount, which can further reduce your rates.

Unlike the other top insurers on this list, Auto-Owners is a regional insurance company. Because of that, coverage is only available in some states. It’s not a dealbreaker for local clients, but it’s something to keep in mind if you plan to move.

Pros
  • Various discounts

  • Gap insurance and new-car replacement available

Cons
  • Not available in every state

  • Can’t get a quote online

Read more driver reviews of Auto-Owners
Kevin - July 2, 2024
Verified

Great, Except for the Price

I recommend checking prices with other providers.

Nancy - June 27, 2024
Verified

Excellent

They have beaten all insurance quotes for the coverage I have.

Ronald - June 21, 2024
Verified

Rate Increases Too Much for Someone on a Fixed Income

There's always someone else who is cheaper.

How to get the cheapest car insurance in Spartanburg

Your location, age, driving record, credit score, and other factors affect your car insurance costs. But even though some of those factors are out of your control, you can still take steps to get a lower rate:

  • Ask about discounts. Review the discounts each insurer offers before choosing a new policy. Consider discounts for employees in specific career fields, college students, safe drivers, and more. You may also be able to bundle policies for an additional discount.

  • Increase your deductible. Raise your deductible, and your insurer will often lower your monthly premium, saving you money. Just make sure you don’t set your deductible so high you can’t afford to pay it should you need to file a claim.

  • Compare quotes. To get the best rate, compare quotes from at least three insurers. Each insurance company offers different pricing based on its underwriting model, so comparing multiple quotes is your best chance to find the best deal.

Find Your Next Car Insurance Policy

Liability rates in Spartanburg start at $45 per month

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Cheapest liability-only car insurance in Spartanburg: USAA

Liability-only car insurance meets the state’s minimum-coverage requirements, but it doesn’t cover the cost of your repairs when you cause an accident, hit an object, or sustain other damage to your car. Instead, the policy only covers the cost of injuries and repairs for the other driver.

Liability-only coverage in Spartanburg costs an average of $148 per month. Here, you can see average rates offered by the area’s top insurers.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA$45
Auto-Owners$49
State Farm$51
GEICO$54
Nationwide$74
Safeco$76
Allstate$79
Travelers$85
Progressive$99
State Auto$102
Midvale Home & Auto$110
Direct Auto$124
Liberty Mutual$140
Dairyland$142
National General$159
The General$159
AssuranceAmerica$189
Bristol West$196
GAINSCO$217
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Spartanburg: USAA

Full-coverage car insurance includes liability, comprehensive and collision coverage. If you cause an accident, it covers the cost of repairs for the other driver and you. It also protects you against incidents of vandalism, theft, and severe weather.

A full-coverage insurance policy in Spartanburg costs an average of $255 per month. The following insurance companies offer the best rates for full coverage.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA$79
Auto-Owners$85
State Farm$88
GEICO$94
Safeco$125
Nationwide$129
Allstate$137
Travelers$147
Progressive$157
State Auto$162
Midvale Home & Auto$172
Direct Auto$214
AssuranceAmerica$223
National General$234
Liberty Mutual$256
The General$300
Dairyland$311
Bristol West$348
GAINSCO$381
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Spartanburg, South Carolina

Drivers using Insurify have found quotes as cheap as $56/mo for liability only and $92/mo for full coverage in Spartanburg and other South Carolina cities.

*Quotes generated for Insurify users in and around Spartanburg, South Carolina within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Spartanburg, South Carolina within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in South Carolina

The state of South Carolina requires drivers to have minimum liability insurance coverage, which includes bodily injury and property damage liability coverage. Like most states, South Carolina doesn’t require uninsured motorist coverage.

Here, you can see an outline of the minimum-coverage requirements in South Carolina.[3]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident 

You also have the option to add extra coverage that extends beyond the minimum requirement for additional financial protection.

Here are a few optional coverages you may consider:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers the cost of repairs for damage caused by severe weather, vandalism, or theft. It’s part of full coverage.

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    Collision coverage

    If you hit another car or object, collision insurance helps pay for your vehicle’s repairs.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance coverage ensures you can get help if your car breaks down, needs a new tire, or has a broken battery.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car reimbursement coverage

    When your car is in the shop due to a claim, rental car reimbursement coverage pays for a rental car to drive.

Cheapest car insurance for drivers with an incident

Driving incidents — including at-fault car accidents, speeding tickets, or driving under the influence (DUI) violations — can cause insurers to see you as a greater risk. And they’ll increase your rates accordingly.

The table below shows how different incident types can affect your rates in Spartanburg.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
USAA$45$60$62$77
Auto-Owners$49$65$68$84
State Farm$51$67$70$87
GEICO$54$72$75$92
Nationwide$74$99$103$126
Safeco$76$102$102$130
Allstate$79$105$109$135
Travelers$85$114$119$145
Progressive$99$132$139$169
State Auto$102$147$154$174
Midvale Home & Auto$110$151$161$188
Direct Auto$124$165$176$211
Liberty Mutual$140$204$211$239
Dairyland$142$190$196$242
National General$159$211$222$271
The General$159$214$224$271
AssuranceAmerica$189$256$262$322
Bristol West$196$259$268$334
GAINSCO$217$316$290$370
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Your age affects how much you pay for auto insurance. Teen drivers typically pay the highest rates due to their relative inexperience. But as you age, your coverage costs begin to decrease. This is true through retirement before rates increase again around age 70 due to potential health-related concerns.

Here, you can see how much each age group pays for insurance coverage in Spartanburg.

AgeAverage Monthly Quote
Teens$428
20s$287
30s$219
40s$201
50s$183
60s$183
70s$194
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Spartanburg car insurance quotes by credit tier

South Carolina allows insurers to consider insurance-based credit scores when determining your rate. This generally means that drivers with excellent credit scores can spend less, while people with poor credit scores pay more for car insurance.

Here are the average rates for coverage in Spartanburg based on credit tiers.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Spartanburg car insurance FAQs

If you’re shopping for car insurance in Spartanburg, this additional information may help as you research your coverage options.

  • How much is car insurance in Spartanburg?

    The average rate for liability-only car insurance in Spartanburg is $148 per month, and the average rate for full coverage is $255 per month. These rates are higher than the national average and could be due, in part, to South Carolina leading the nation in fatal crashes and Spartanburg’s large population.

  • Which company has the cheapest car insurance in Spartanburg?

    USAA offers the cheapest car insurance in Spartanburg, with rates starting at $45 per month. Auto-Owners and State Farm also offer low rates in the area, at $49 and $51 per month, respectively.

  • What are the best car insurance companies in Spartanburg?

    Auto-Owners, State Farm, and USAA are three of the top insurers in Spartanburg. Each is known for its customer service, financial stability, low rates, and discounts offered.

    Keep in mind the best insurer for you may be another company. That’s why it’s important to compare rates from several insurers to find the best policy to meet your needs.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. IIHS. "Fatality Facts 2021 State by state."
  2. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  3. South Carolina Department of Insurance. "FAQs: Auto Insurance."
Taylor Milam-Samuel
Taylor Milam-Samuel

Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

Featured in

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