Cheapest Auto Insurance in Anderson, South Carolina (2025)
USAA offers the cheapest car insurance in Anderson, with minimum-coverage policies as low as $56 per month.
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The average cost of car insurance in Anderson, SC, is $184 per month, which is more expensive than the national average monthly cost of $143. 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.
Quick Facts
The average cost of car insurance in Anderson is $146 per month for liability coverage and $221 per month for full coverage.
Anderson drivers with poor credit pay nearly double what drivers with excellent credit pay for car insurance, on average.
Car insurance companies in South Carolina can use your credit history as a factor when setting your rates.2
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 55,000 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 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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Anderson car insurance FAQs
Learn more about car insurance costs in South Carolina, and check out the answers to frequently asked questions about auto coverage in Anderson below.
How much is car insurance in Anderson?
The average cost of car insurance in Anderson is $146 per month for liability coverage and $221 per month for full coverage.
Who has the cheapest car insurance in Anderson?
USAA, Auto-Owners, and State Farm are the cheapest auto insurance companies in Anderson, with liability-only rates of $56, $61, and $62 per month, respectively. The best way to find the cheapest car insurance for your situation is to compare quotes from multiple car insurance companies. You can use an online comparison tool to find the insurer that offers the best price for the coverage you need.
What are the best car insurance companies in Anderson?
Some of the best car insurance companies in Anderson that Insurify identified include State Farm, GEICO, and USAA. These auto insurance companies have high scores across the board with AM Best, J.D. Power, and Insurify. But what’s best for one person may not be best for you, so it’s important to research insurance companies to find the one that meets your needs.
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