Cheapest Auto Insurance in Spartanburg, South Carolina (2025)
USAA offers the cheapest car insurance in Spartanburg, starting at $67 per month.
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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 $165 per month in Spartanburg. This is higher than the national monthly average of $101.
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.
Quick Facts
USAA, Auto-Owners, and State Farm have the cheapest car insurance in Spartanburg.
Spartanburg drivers pay a yearly average of $2,683 for full-coverage car insurance.
You must carry at least 25/50/25 coverage to drive legally in South Carolina.
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.
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 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.
Find Your Next Car Insurance Policy
Liability rates in Spartanburg start at $67 per month
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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 $165 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 $224 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.
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.
Shop for Car Insurance in Spartanburg
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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.
Spartanburg car insurance FAQs
If you’re shopping for car insurance in Spartanburg, this additional information may help as you research your coverage options.
How much is car insurance in Spartanburg?
The average rate for liability-only car insurance in Spartanburg is $165 per month, and the average rate for full coverage is $224 per month. These rates are higher than the national average and could be due, in part, to South Carolina leading the nation in fatal crashes and Spartanburg’s large population.
Which company has the cheapest car insurance in Spartanburg?
USAA offers the cheapest car insurance in Spartanburg, with rates starting at $67 per month. Auto-Owners and State Farm also offer low rates in the area, at $72 and $73 per month, respectively.
What are the best car insurance companies in Spartanburg?
Auto-Owners, State Farm, and USAA are three of the top insurers in Spartanburg. Each is known for its customer service, financial stability, low rates, and discounts offered.
Keep in mind the best insurer for you may be another company. That’s why it’s important to compare rates from several insurers to find the best policy to meet your needs.
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