Buy Cheap Spartanburg, SC Auto Insurance in 2024
Spartanburg, SC auto insurance rates average $304 a month. Minimum auto insurance requirements in Spartanburg, South Carolina are 25/50/25 to comply with South Carolina laws. To buy cheap auto insurance in Spartanburg, SC, compare Spartanburg auto insurance quotes from top companies.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Spartanburg, SC after a DUI are $4,149/year
- Average auto insurance rates in Spartanburg, SC for teens drivers are $6,943/year
- The most expensive auto insurance company in Spartanburg after a DUI is Progressive
Finding affordable Spartanburg, South Carolina auto insurance can be challenging, but everything you need to know to buy cheap Spartanburg, SC auto insurance with confidence is right here. Auto insurance rates in Spartanburg are affected by local factors as well as personal ones like your driving record.
See how Spartanburg, SC car insurance rates compare to Columbia auto insurance rates, Rock Hill auto insurance rates, and Summerville auto insurance rates before you read more about the cost of auto insurance in Spartanburg.
Don’t buy Spartanburg, SC auto insurance until you’ve compared rates. Get free Spartanburg, South Carolina auto insurance quotes when you enter your ZIP code above.
Spartanburg, SC Minimum Auto Insurance Requirements
The required auto insurance in Spartanburg, SC is 25/50/25 according to the auto insurance laws in South Carolina. The minimum auto insurance in Spartanburg, South Carolina is outlined here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Find Cheap Spartanburg, SC Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Spartanburg, SC. Take a look at Spartanburg, South Carolina auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,784 | $3,626 | $3,053 |
| Farmers | $5,338 | $4,569 | $4,165 |
| Geico | $4,305 | $2,316 | $1,848 |
| Nationwide | $4,017 | $3,263 | $2,869 |
| Progressive | $5,194 | $4,578 | $4,285 |
| State Farm | $4,367 | $2,668 | $2,099 |
| USAA | $4,864 | $2,402 | $2,110 |
Buy Cheap Spartanburg, SC Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Spartanburg, South Carolina auto insurance rates? Find out how car insurance rates in Spartanburg, SC are impacted by demographics.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,506 | $2,506 | $2,396 | $2,396 | $6,555 | $8,394 | $2,785 | $3,032 |
| Farmers | $3,169 | $3,164 | $3,025 | $3,286 | $8,459 | $9,461 | $3,453 | $3,506 |
| Geico | $2,032 | $2,032 | $1,852 | $1,852 | $4,944 | $5,065 | $2,374 | $2,433 |
| Nationwide | $2,302 | $2,331 | $2,078 | $2,153 | $5,590 | $7,173 | $2,605 | $2,831 |
| Progressive | $2,473 | $2,285 | $2,136 | $2,234 | $10,684 | $11,798 | $2,867 | $3,007 |
| State Farm | $1,898 | $1,898 | $1,726 | $1,726 | $5,578 | $6,985 | $2,133 | $2,415 |
| USAA | $1,650 | $1,649 | $1,522 | $1,515 | $6,794 | $7,424 | $2,172 | $2,277 |
Buy Cheap Spartanburg, SC Auto Insurance for Teen Drivers
Auto insurance for teenagers in Spartanburg can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Spartanburg, SC are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,555 | $8,394 |
| Farmers | $8,459 | $9,461 |
| Geico | $4,944 | $5,065 |
| Nationwide | $5,590 | $7,173 |
| Progressive | $10,684 | $11,798 |
| State Farm | $5,578 | $6,985 |
| USAA | $6,794 | $7,424 |
Buy Cheap Spartanburg, SC Auto Insurance for Seniors
You can save on senior auto insurance rates in Spartanburg, South Carolina by comparing Spartanburg senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Spartanburg, SC here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,396 | $2,396 |
| Farmers | $3,025 | $3,286 |
| Geico | $1,852 | $1,852 |
| Nationwide | $2,078 | $2,153 |
| Progressive | $2,136 | $2,234 |
| State Farm | $1,726 | $1,726 |
| USAA | $1,522 | $1,515 |
Find Cheap Auto Insurance Rates in Spartanburg, SC by Coverage Level
The amount of coverage you choose is a big factor in the cost of Spartanburg, South Carolina auto insurance. Compare Spartanburg, SC auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,611 | $3,805 | $4,048 |
| Farmers | $4,251 | $4,693 | $5,127 |
| Geico | $2,657 | $2,800 | $3,012 |
| Nationwide | $3,357 | $3,382 | $3,410 |
| Progressive | $4,375 | $4,635 | $5,047 |
| State Farm | $2,824 | $3,043 | $3,267 |
| USAA | $2,954 | $3,121 | $3,301 |
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Find Cheap Spartanburg, SC Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Spartanburg. Compare auto insurance rates in Spartanburg, SC by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,741 | $3,901 |
| Farmers | $4,691 | $4,691 |
| Geico | $2,808 | $2,838 |
| Nationwide | $3,383 | $3,383 |
| Progressive | $4,686 | $4,686 |
| State Farm | $2,970 | $3,119 |
| USAA | $3,093 | $3,158 |
Find Cheap Spartanburg, SC Auto Insurance Rates by ZIP Code
Auto insurance rates in Spartanburg, South Carolina can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Spartanburg, SC to see how much where you live in Spartanburg affects the cost of car insurance.
| ZIP Code | Average Annual Rates |
|---|---|
| 29302 | $3,433 |
| 29303 | $3,396 |
| 29306 | $3,420 |
| 29307 | $3,404 |
Find Cheap Spartanburg, SC Auto Insurance Rates by Driving Record
Auto insurance rates in Spartanburg, South Carolina are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Spartanburg, SC, take a look at the average cost for various violations versus rates for a clean driving record in Spartanburg.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,870 | $4,560 | $4,049 | $3,806 |
| Farmers | $3,914 | $5,442 | $4,509 | $4,897 |
| Geico | $2,148 | $2,784 | $4,211 | $2,148 |
| Nationwide | $2,710 | $3,477 | $4,370 | $2,975 |
| Progressive | $3,838 | $5,611 | $4,665 | $4,628 |
| State Farm | $2,756 | $3,398 | $3,013 | $3,013 |
| USAA | $2,465 | $3,049 | $4,226 | $2,762 |
Find Cheap Spartanburg, SC Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Spartanburg, South Carolina is higher than for a clean driving record. You can buy auto insurance after a DUI in Spartanburg for less when you shop around and compare rates from multiple Spartanburg, SC auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,049 |
| Farmers | $4,509 |
| Geico | $4,211 |
| Nationwide | $4,370 |
| Progressive | $4,665 |
| State Farm | $3,013 |
| USAA | $4,226 |
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Winners by Category: Where to Buy Cheap Auto Insurance in Spartanburg, SC
Compare rates from the cheapest auto insurance companies in Spartanburg, SC for your needs. Take a look at how Spartanburg, South Carolina auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Geico |
Find Cheap Spartanburg, South Carolina Auto Insurance Companies
If you’re looking for the cheapest Spartanburg, SC auto insurance companies overall, you can compare them here. Find the best price for Spartanburg, South Carolina car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,821 |
| Farmers | $4,691 |
| Geico | $2,823 |
| Nationwide | $3,383 |
| Progressive | $4,686 |
| State Farm | $3,045 |
| USAA | $3,125 |
What affects Spartanburg, South Carolina auto insurance rates?
Local factors affect auto insurance rates in Spartanburg, SC, including traffic, theft statistics, and commute length. Take a look at the things that impact Spartanburg auto insurance rates.
Commute Times in Spartanburg
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Spartanburg, SC is 20.3 minutes according to City-Data.
Traffic in Spartanburg
How is traffic in Spartanburg, South Carolina? Inrix data shows that Spartanburg, SC traffic makes it the 491st-most congested city compared to other cities worldwide.
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Compare Auto Insurance Quotes in Spartanburg, SC
You can buy cheap Spartanburg, SC auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Spartanburg, South Carolina auto insurance quotes from top companies.
Frequently Asked Questions
How can I find cheap auto insurance in Spartanburg, SC?
To find cheap auto insurance in Spartanburg, SC, you can follow these steps:
- Compare quotes from multiple insurance providers: Obtain quotes from different insurers to compare prices and coverage options.
- Opt for higher deductibles: Increasing your deductible can lower your premium, but be sure to choose a deductible you can afford to pay.
- Maintain a good driving record: A clean driving record with no accidents or traffic violations often results in lower insurance rates.
- Consider bundling policies: If you have multiple insurance needs, bundling your auto insurance with other policies, such as home or renters insurance, may lead to discounts.
- Ask about available discounts: Inquire with insurance companies about any discounts they offer, such as for safe driving, good grades (for student drivers), or vehicle safety features.
Are there any specific auto insurance requirements in Spartanburg, SC?
Yes, Spartanburg, SC, like other places, has specific auto insurance requirements. In South Carolina, drivers are required to have liability insurance, which covers the costs of injuries or property damage to others if you cause an accident. The minimum liability insurance limits in South Carolina are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.
What factors can affect the cost of auto insurance in Spartanburg, SC?
Several factors can influence the cost of auto insurance in Spartanburg, SC, including:
- Your driving record: Drivers with a history of accidents or traffic violations often pay higher premiums.
- Vehicle make and model: Some cars are more expensive to insure due to their repair costs, theft rates, or safety ratings.
- Age and gender: Younger drivers, especially teenagers, generally face higher insurance rates. In some cases, males may also have higher premiums.
- Coverage and deductibles: The level of coverage you choose and the deductibles you select can affect your insurance premium.
- Location: Your ZIP code can impact rates due to factors like crime rates, population density, and traffic patterns.
Can I get auto insurance if I have a bad driving record or past accidents?
Yes, even if you have a bad driving record or past accidents, you can still obtain auto insurance coverage in Spartanburg, SC. However, insurance companies may consider you a higher risk and charge you higher premiums. It’s essential to compare quotes from different insurers to find the best coverage options available to you.
How can I lower my auto insurance premiums in Spartanburg, SC?
To lower your auto insurance premiums in Spartanburg, SC, you can:
- Maintain a good driving record: Avoid accidents and traffic violations.
- Consider a defensive driving course: Completing an approved defensive driving course may qualify you for a discount.
- Review your coverage and deductibles: Assess your coverage needs and adjust them accordingly.
- Ask about available discounts: Inquire with your insurance provider about discounts you may be eligible for.
- Improve your credit score: In some states, insurers use credit information to determine premiums, so maintaining a good credit score can be beneficial.
Can I purchase auto insurance online in Spartanburg, SC?
Yes, you can purchase auto insurance online in Spartanburg, SC. Many insurance companies offer online platforms where you can obtain quotes, compare coverage options, and purchase your policy conveniently from the comfort of your home. It’s advisable to research and choose reputable insurance providers with secure online payment systems to ensure the protection of your personal information.
Are there any penalties for driving without insurance in Spartanburg, SC?
Yes, driving without insurance in Spartanburg, SC can result in penalties. South Carolina law requires drivers to carry auto liability insurance, and failure to do so may lead to fines, suspension of your driver’s license, and vehicle registration. Additionally, driving without insurance can leave you financially vulnerable if you cause an accident, as you would be personally responsible for any damages or injuries you cause.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.