Cheapest Auto Insurance in Anderson, South Carolina (2025)

The average cost of car insurance in Anderson, SC, is $184 per month, which is more expensive than the national average monthly cost of $144. Auto insurance premium prices vary based on many different factors and can differ even among ZIP codes. For example, severe weather in South Carolina, like tropical storms and hurricanes, can lead to increased car insurance claims and higher premium prices.

Furthermore, a series of vehicle break-ins in Anderson County during early 2023 could contribute to more expensive car insurance costs for the entire area. Here are some tips for finding cheap car insurance in Anderson, South Carolina, and what affects your auto insurance rates.

Cheapest car insurance companies in Anderson

When shopping for car insurance, you don’t want to focus solely on price. You should also take into account which car insurance company can provide you with the right type of coverage, the best customer experience, an easy-to-navigate website, and the features that suit your specific needs.

Here are some of the best and cheapest car insurance companies in Anderson to start your search.

Best insurer for bundling: GEICO

Best insurer for military members and their families: USAA

Best insurer for discounts: State Farm

How to get the cheapest car insurance in Anderson

Getting cheap car insurance is more than just purchasing the first low rate you see online. Here are some ways you can reduce your car insurance costs:

• Look for discounts. Most auto insurers advertise discounts that drivers can qualify for. You can usually find discounts for safe driving, having safety features on your vehicle, signing up for automatic payments and paperless billing, and more. Try to stack as many discounts as you can to reduce your car insurance costs.

• Bundle policies. Car insurance companies also offer bundling discounts to customers who buy more than one insurance product with them. If you buy your auto insurance and home, renters, or life insurance with one company, you may save on both policies.

• Increase your credit score. Insurance companies can use your credit information when determining car insurance rates. Pull your credit report, review it for inaccuracies to correct, and work to increase it, if needed. Make on-time payments for your accounts and use less than 30% of your available credit to improve your score.

• Compare quotes. Get quotes online from at least three different car insurance companies at the same coverage level to find the one that offers you the lowest rates. You can also use an online quote-comparison tool to gather quotes on one site and compare them side by side.

Cheapest liability-only car insurance in Anderson: USAA

Having liability car insurance is mandatory in nearly every state, including South Carolina. This type of policy covers injuries and property damage in accidents you cause. However, it doesn’t extend to your vehicle repairs or your own medical expenses. Since liability coverage has such limited protection, it’s usually a cheap, affordable option.

The average cost of liability-only car insurance in Anderson is $146 per month, and here are the cheapest car insurance companies in Anderson for this type of coverage.

Cheapest full-coverage car insurance in Anderson: USAA

Liability-only and full-coverage car insurance differ in what they cover. Liability pays for damages to others when you’re at fault, while full coverage protects your own vehicle too, including after theft and accidents. If you have a new or expensive car, full coverage is a good idea, and if you’re financing your car, your lender may require it.

The average cost of full-coverage car insurance in Anderson is $221 per month. Check out the table below for the most affordable full-coverage car insurance companies in Anderson.

Car insurance requirements in South Carolina

In the state of South Carolina, drivers must hold both a liability car insurance policy and uninsured motorist coverage. Their auto insurance policies must meet these minimum coverage requirements:3

While you have to meet the state’s minimum coverage requirements, you can choose to enhance your auto insurance with these additional options:

Cheapest car insurance for drivers with an incident

When you have incidents on your driving record, you may find it challenging to secure the cheapest car insurance in Anderson. Speeding tickets, driving under the influence (DUI) convictions, at-fault accidents, and other moving violations can all lead to increased rates. This is because auto insurance companies view drivers with these incidents on their records as more likely to file future claims than drivers with clean records.

The table below shows how different driving infractions can affect average car insurance rates in Anderson, South Carolina.

Average cost of car insurance by age

Teenagers and young drivers often pay steep car insurance premiums because of their lack of experience and maturity — which can result in more frequent claims. However, car insurance rates tend to decrease around age 35 as drivers gain more experience behind the wheel. But around age 70, rates can rise again since seniors’ driving capabilities decline due to vision issues and slower reaction times.

Refer to the table below to see how car insurance quotes can vary with age in Anderson.

Anderson car insurance quotes by credit tier

While not legal in all states, in South Carolina, car insurance companies can take drivers’ credit history into consideration when determining car insurance premiums.2 Insurers believe that poor credit means a driver is more likely to file insurance claims. As a result, drivers with excellent or good credit tend to pay less for car insurance.

Here are Anderson full-coverage car insurance quotes based on credit score.