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Cheapest car insurance in Spartanburg, South Carolina (May 2024)

Car insurance in Spartanburg, South Carolina costs an average of $109 a month for minimum liability coverage and $217 a month for full coverage.
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Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by R.E. Fulton, Licensed Insurance Agent —Senior Content Writer

How to find the cheapest car insurance quotes in Spartanburg

Drivers in Spartanburg pay an average of about $109 a month for liability coverage that meets South Carolina’s minimum insurance requirements, and an average of around $217 a month for full coverage. That’s about the same as the statewide average for South Carolina auto insurance.
Spartanburg’s auto theft rates are on the decline, which could help bring insurance costs down in the area, but its vulnerability to severe winter weather and flooding likely contribute to the area’s average insurance prices.
To find the best
car insurance
rates in Spartanburg, it’s best to shop with a broker that can
compare rates
from a number of different insurance providers. The
Jerry
app works with over 55 insurance companies, giving you access to the most competitive prices available to you.
Here are real quotes that drivers in the Spartanburg area found in the past month with Jerry.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$110
Leona, 62
Zip: 29307
Ford F450 Super Duty
• State Minimum Liability
• Comp / Collision
Safeco
$97
Herbert, 30
Zip: 29302
Chevrolet Silverado K1500 LTZ
• State Minimum Liability
• Comp / Collision
Nationwide
$100
Josie, 28
Zip: 29303
Ford F150 Supercrew
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$258
Juan, 28
Zip: 29306
BMW 328 i
• State Minimum Liability
• Comp / Collision
Gainsco
$223
Brett, 35
Zip: 29301
KIA RIO LX
• State Minimum Liability
coverageLast Updated May 22, 2024

Best car insurance companies in Spartanburg

When you’re hopping for insurance, it’s important to choose a company that provides a combination of affordable coverage, high-quality customer service, and excellent claims handling. 
To uncover the truth about insurance shopping in the Palmetto State—and the nation—Jerry administered the largest insurance customer satisfaction survey in the United States. Here are the insurers in Spartanburg that scored better than 4 stars in our survey and charge less than the citywide average for coverage:
Insurance company
Average annual minimum coverage rate in Spartanburg
Average annual full coverage rate in Spartanburg
Jerry user rating
$548
$1,443
4.5 stars
$623
$1,547
4.5 stars
$902
$1,604
4.1 stars
$543
$1,709
4.4 stars
$544
$1,753
4.2 stars
$1,105
$2,062
4.3 stars
$1,265
$2,082
4.3 stars
$995
$2,165
4.2 stars
$1,210
$2,428
4.1 stars
While State Farm is one of the biggest insurers across the country, policyholders in South Carolina aren’t so impressed. They gave State Farm just 3.2/5 for price and gave an overall rating of 3.6/5. On the other hand, customers rated Auto Owners, State Auto, ROOT, and Travelers highly, giving them high marks for price, customer service, claims process, and overall satisfaction. 
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Spartanburg

If you’re planning to drive in Spartanburg, you’ll need car insurance that meets the state-mandated liability limits for South Carolina car insurance. But while a minimum liability policy will allow you to legally drive in Spartanburg, it may not be enough protection.
At Jerry, our insurance agents generally recommend raising your liability limits and adding full coverage, which includes comprehensive and collision coverage.

Cheap minimum liability insurance quotes in Spartanburg

South Carolina insurance follows a 25k/50k/25k rule for minimum liability coverage. Drivers in South Carolina must have a minimum of:1
If you cause an accident, your liability insurance will help pay for the resulting damages. Bodily injury liability will help pay for others’ medical bills due to accident-related injuries, and property damage liability will help cover things like the other party’s vehicle repairs. 
Uninsured motorist coverage will take the place of the other driver’s liability insurance if you’re hit by someone who doesn’t have car insurance, paying for your medical bills and vehicle repairs up to your policy limits.
Did you know? Minimum liability insurance in Spartanburg costs an average of $109 a month or $1314 a year—and it’s usually only a few extra dollars a month to purchase higher liability limits.

Do you need more than minimum coverage in Spartanburg?

Most drivers in Spartanburg can benefit from purchasing additional coverage.
Because a serious accident can easily exceed South Carolina’s liability limits, the insurance agents at Jerry generally recommend increasing your liability limits to at least 50k/100k/50k, or 100k/300k/100k for even better protection. 
On top of that, liability insurance won’t cover any damage to your own car—you’ll need full coverage for that.
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Expert Insight

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VP Insurance Operations, 18+ Years Experience in Insurance
A general rule that I recommend is to carry enough coverage to protect your current and future assets – at least $100,000/$300,000 of liability coverage is recommended, but you may need more coverage depending on your financial situation.

Cheap full coverage car insurance quotes in Spartanburg

When it comes to repairing or replacing your vehicle after an accident, full coverage car insurance is the only way to ensure financial protection.
Comprehensive
and
collision coverage
make up a full coverage car insurance policy. 
  • Collision coverage takes care of the repair or replacement expenses if your vehicle is damaged from an accident with another vehicle or stationary object
  • Comprehensive coverage helps cover the cost of repair or replacement if your vehicle is stolen or damaged due to non-collision incidents.
If you lease or finance your vehicle, your lender will likely require you to have collision and/or comprehensive. Full coverage is also a requirement if you want to add certain coverage options, like roadside assistance or rental reimbursement insurance, to your auto insurance policy. 
Spartanburg drivers pay an average of $217 a month or $2,605 a year for full coverage insurance, which is right on par with the South Carolina state average.
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Average cost of car insurance in Spartanburg

On average, car insurance rates in Spartanburg are about the same as the overall state average for South Carolina, which is slightly higher than the national average. 
While there are some area-wide risks that can make car insurance costs more expensive, Spartanburg fares better in regards to other risks, which helps balance out the cost.
Here are a few factors that may impact the cost of car insurance in Spartanburg:
  • Risk of severe weather: The risk of tropical weather is slightly lower in Spartanburg than the average for the state of South Carolina, but it’s at an elevated risk of flooding, high winds, and winter storms.2 Severe weather can lead to widespread comprehensive claims for insurers, so they’ll consider these risks when setting rates.
  • Decreasing auto thefts: Spartanburg County recorded 841 motor vehicle thefts in 2021. In 2022, that number dropped to 801—a 4.75% decrease. While these numbers are still fairly high, the improvement in theft rates could contribute to lower comprehensive insurance costs in Spartanburg.3
  • High population density: More people in a given area means more opportunities for crime and vehicle collisions, and that can lead to higher insurance rates. There are approximately 1,929 people per square mile living in Spartanburg.4 That’s a little lower than nearby Greenville, which has about 2,382 people per square mile—but it’s higher than the average for the whole of Spartanburg County, which has about 405 people per square mile.

Average cost of car insurance in Spartanburg by zip code

Where you live in the city can impact your car insurance rates, as well.
Car insurance companies in Columbia, SC set rates for individual areas within the city based on the rate of vehicle thefts, car accidents, and other insurance claims. If you live in a neighborhood where these things happen more frequently, you may pay more for your car insurance.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
29301
$128
$185
29302
$73
$196
29303
$98
$199
29306
$124
$197
29307
$136
$163

Car insurance quotes in Spartanburg by rating factors 

Insurance companies in Spartanburg use many rating factors when
deciding your auto insurance premium
:
  • Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean driving history.
  • Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
  • Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density. 
  • Your mileage: High annual mileage can result in higher insurance costs.
  • The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
  • Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How do different factors impact your car insurance costs in Spartanburg?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): South Carolina currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Spartanburg:

Cheap car insurance quotes in Spartanburg after driving violations

Your
South Carolina driving record
plays a huge part in your insurance rate. Insurance providers use your history of violations and accidents to depict your level of riskiness. High-risk drivers with more serious infractions typically face the highest rates.
 Some common violations that could increase your insurance rates include:
  • Speeding
  • DUIs
  • At fault accident 
  • Reckless driving 
  • Driving on a suspended license
  • Driving without insurance

Cheapest car insurance in Spartanburg after speeding ticket

Your rates may not always go up for a minor
speeding ticket
, but if you were going well above the speed limit or you receive multiple speeding tickets in a short time, you can expect to see a premium hike.
On average, Spartanburg drivers pay around $280 a month for car insurance after a speeding ticket.
Fortunately, Jerry has helped drivers find cheap auto insurance in Columbia, SC even after they’ve gotten a speeding ticket.

Cheapest car insurance in Spartanburg after DUI

DUIs are a serious infraction—not only will you face steep legal penalties, but you’ll also see a significant increase in your car insurance premiums. 
In Spartanburg, drivers pay an average of $337 a month for car insurance after they receive a DUI.
Fortunately, if you have received a
DUI in South Carolina
, you may still be able to find affordable car insurance by shopping for rates with companies that specialize in providing coverage to high-risk drivers. 
Use Jerry to compare auto insurance quotes in Columbia, SC to find affordable coverage after a DUI.

Cheapest car insurance in Spartanburg after an at-fault accident

Your
car accident
or claims history can impact your car insurance rates and it typically takes a while for your premiums to return to normal after a violation.
Drivers in Spartanburg who have had at least one at-fault accident pay an average of $186 a month for car insurance.
Insurance providers assess your history of accidents with a special focus on your at-fault collisions to determine your level of risk. High-risk drivers with more than one at-fault accident will generally see the sharpest rate increase—though having
accident forgiveness
on your policy can help prevent a surcharge after your first at-fault collision.
Jerry has helped Spartanburg drivers with an accident on their record find affordable insurance.

Cheapest car insurance in Spartanburg after other driving violations

Reckless driving, driving on a suspended license, and
driving without insurance
can all lead to higher insurance rates in Spartanburg, South Carolina.
Jerry is there to help drivers find good insurance rates—even with a not-so-good driving record.
Here’s what drivers pay on average after various violations in Spartanburg:
Violation
Average monthly cost of insurance
Illegal turn
$178
Seat belt violation
$192
Following too closely
$238
Improper passing
$265
Careless driving
$320
Driving on suspended license
$391

Cheap car insurance quotes in Spartanburg by age

Your driving experience impacts the level of risk you pose to your insurance provider. Young or
new drivers
with limited driving experience typically pay more for insurance until 25. Car insurance rates remain steady for experienced drivers over 25 with clean records, but premiums can begin to rise again for seniors in their mid-70s.

Cheapest car insurance in Spartanburg for young drivers

Young drivers between 16 and 19 pay the highest insurance rates out of all age groups in Spartanburg, but rates can still be high up until age 25. Teen drivers are considered especially risky and typically pay the highest for minimum liability coverage. 
Here’s what drivers 25 and under pay on average for car insurance in Spartanburg:
Age group
Average minimum liability monthly cost
Average full coverage monthly cost
18–21
$308
$383
22–25
$187
$273
Since they are more likely to get into accidents, teen drivers should opt for full coverage insurance—especially if they drive a newer vehicle.

Cheapest car insurance in Spartanburg for senior drivers

Senior drivers
are at a higher risk of accidents due to a higher susceptibility to injury and mortality resulting from an accident. They also have slower reflexes that increase the risk of car crashes. 
Due to the added risk of financial liability, drivers tend to face higher insurance rates once they reach their mid-70s.
Here’s what Spartanburg drivers pay on average once they reach age 55:
Age group
Average minimum liability monthly cost
Average full coverage monthly cost
55–64
$98
$133
65+
$103
$155

Cheap car insurance quotes in Spartanburg based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. 
In Spartanburg, drivers pay around $211 a month for insurance on average after a coverage lapse.
The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status.

Cheap car insurance quotes in Spartanburg for drivers with poor credit

Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.
Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
Here’s what South Carolina drivers pay on average based on their credit score:
Credit range:
Average monthly cost of insurance:
< 600
$243
601–699
$192
700+
$151

How to lower car insurance costs in Spartanburg

1. Shop around and compare quotes

Every insurance company has its own method of setting rates for customers, which means the price you get from one insurer can be very different from the next. The only way to be sure you’re getting the best price on your car insurance is to compare quotes from as many providers as possible.
To make this time-consuming process quick and simple, use the Jerry app to shop for quotes. Jerry compares rates from over 55 insurance companies, giving you the best chance at finding a provider that specializes in low rates for drivers that fit your profile.
app screenshot
When you shop for car insurance with Jerry, you’ll get a list of free quotes organized into tiers of coverage.
You can even customize your coverage levels to build the perfect policy that meets your insurance needs.

2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

How much is car insurance in Spartanburg?

People living in Spartanburg pay on average $109 per month – or $1,314 per year – for state-minimum liability coverage. Full coverage in Spartanburg costs on average $217 per month or $2,605 per year.

What is the cheapest car insurance in Spartanburg?

Based on thousands of Spartanburg drivers Jerry has worked with, car insurance in Spartanburg costs an average of $109 per month for state-minimum coverage and $217 per month for full coverage.

What is the best car insurance in Spartanburg?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
AAA
,
Progressive
, and
Nationwide
receive good ratings from Spartanburg drivers, based on the largest car insurance survey in the nation conducted by Jerry.

What is the minimum car insurance in Spartanburg, South Carolina?

The state minimum car insurance in Spartanburg, South Carolina is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property, plus uninsured motorist coverage in the same amounts. These coverages are commonly referred to as 25/50/25 coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. We analyzed over 25 million car insurance quotes and conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). All average quote data is based on rates for single drivers with a clean record and a single car between the ages of 35 and 65.
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Sources

Meet our experts

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Amy Bobinger
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Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.