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 $168 per month in Spartanburg. This is higher than the national monthly average of $104.

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.

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.

Best insurer for military members and their families: USAA

Best insurer for low rates: State Farm

Best insurer for liability coverage: Auto-Owners

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.

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 $168 per month. Here, you can see average rates offered by the area’s top insurers.

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 $243 per month. The following insurance companies offer the best rates for full coverage.

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

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:

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.

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.

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.