Finding the Best Car Insurance Quotes in Spartanburg SCAs a driver in Spartanburg having the right auto insurance coverage at an affordable rate is essential to protecting yourself on the road. With so many insurance companies and policies to choose from, getting car insurance quotes can feel overwhelming. This article will walk you through everything you need to know to find the best car insurance quotes in Spartanburg, SC.
I’ll discuss factors that affect your rates, provide average costs in Spartanburg, highlight top insurers in the area, and share tips to get the lowest quote. Whether you need minimum liability coverage or comprehensive protection, getting quotes from multiple insurers is key to maximizing savings on your policy. Keep reading for your guide to getting the ideal car insurance for your needs and budget in Spartanburg!
Key Factors That Affect Your Spartanburg Car Insurance Rates
When requesting quotes, insurers will consider various risk factors about you and your vehicle to determine premiums. Key factors include:
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Age – Teen and elderly drivers pay higher rates due to perceived risk.
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Gender – Statistically, men pay slightly higher premiums than women in SC.
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Driving Record – Drivers with accidents, tickets or DUIs face increased rates.
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Credit Score – Insurers view lower scores as higher risk and charge more.
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Location – Urban areas like Spartanburg may have higher premiums than rural zones.
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Vehicle Type – Sports cars and large trucks often cost more to insure than sedans.
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Annual Mileage – Drivers with long commutes or high mileage pay more.
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Claims History – Too many claims can cause insurers to drop you or raise your rates.
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Marital Status – Married drivers usually get discounted rates.
Being aware of these rating factors will help you understand the rates you receive when getting Spartanburg quotes. Having a clean record and maintaining good credit are two key ways to qualify for the lowest rates.
Average Cost of Car Insurance in Spartanburg, SC
To give you a sense of typical rates in Spartanburg, here are some average monthly premium costs for common driver profiles:
- 30-year old single female with a 2015 Honda Accord and good credit – $68
- 40-year old married man with a 2018 Toyota Camry and speeding ticket – $117
- 50-year old divorced woman with a 2008 Subaru Outback and at-fault accident – $163
- 60-year old widowed man with a 2019 Ford F-150 and DUI – $224
- 20-year old single male with a 2012 Dodge Charger and minimum coverage – $186
As you can see, rates can range dramatically based on your specific situation. Teens and high-risk drivers tend to pay the steepest rates. Having a perfect driving record can result in significant savings.
Top Car Insurance Companies in Spartanburg, SC
While costs vary between insurers, these top insurers offer competitive rates and great service for Spartanburg drivers:
- State Farm – Popular for bundling policies and student discounts
- Allstate – Strong customer satisfaction and usage-based options
- GEICO – Fast quotes and claims plus extensive online support
- Progressive – Robust coverage choices and rate beat guarantee
- USAA – Only for military but best for customer service
I always recommend gathering quotes from at least 3 of these top insurers to find your best rate. Rates can differ by hundreds of dollars between companies, so taking the time to compare quotes is crucial.
Tips to Get the Cheapest Car Insurance Quotes in Spartanburg
Here are my top strategies for getting the lowest quotes on car insurance in Spartanburg:
- Compare quotes from at least 5 insurers – More quotes = more savings
- Ask about all available discounts – Take advantage of any you qualify for
- Consider raising your deductible – Higher deductibles equal lower premiums
- Limit your coverage to what you need – Decline extra add-ons to keep costs down
- Maintain good credit and a clean driving record – Avoid tickets, accidents and high debt
- Inquire about usage-based options – Can lower rates for safe, low mileage driving
- Bundle auto with homeowners or renters insurance – Bundling provides discounts
The time you invest upfront doing rate comparisons will pay off in the long run through lower premiums. I recommend re-checking quotes every 6 months or if your situation changes to ensure you always have the best deal.
The Bottom Line
Finding affordable car insurance is essential for all Spartanburg drivers. While rates are based on many personal factors, taking the time to get multiple free quotes and consider ways to maximize discounts can help you secure the lowest premium for your situation.
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. When shopping for insurance, think about your budget, the type of car you have, and the kind of coverage you need to find the best deal.
If you’re looking for cheap car insurance in Spartanburg, consider USAA, State Farm, and Auto-Owners. The price of car insurance can vary a lot from one company to the next, so it’s important to get quotes from more than one.
| Insurance Company▲▼ | IQ ScoreThe Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.▲▼ | Full Coverage▲▼ | Liability Only▲▼ | Best For▲▼ |
|---|---|---|---|---|
| USAA | 9.4 | $89 | $51 | Military members and their families |
| State Farm | 9.3 | $98 | $56 | Low rates |
| Auto-Owners | 8.5 | $96 | $55 | Liability coverage |
- How Insurify rates insurance companies: Our editors worked on the Insurify Quality (IQ) Score and rating insurance companies for more than 350 hours. The IQ Score uses more than 15 important factors to objectively evaluate and give insurers a score. The team ranked the criteria by how important they were to the customer. For example, customer reviews and price are more important to the score than availability and ratings from third parties. We give each company a score between 1 and 10 based on five factors: how much they make, how happy their customers are, how affordable they are, how good their customer service is, and how easy it is to get in touch with them. Insurify changes ratings once a year or whenever new information comes in. Ratings from a third party: Insurify uses information from AM Best, S To get this score, Insurify looked at more than 28,000 reviews from customers of 155 different car insurance companies. We also consider third-party ratings from J. D. Power, the National Association of Insurance Commissioners, and Trustpilot. Cost: Our data scientists looked at more than 90 million real-time auto insurance rates from partners all over the U.S. S. , along with any discounts that are available, to get an affordability score. Customer service and openness: This looks at the types of coverage available, how easy it is to file a claim, and how open the insurance company is about discounts, coverages, and the claims process. When Insurify scores availability and reach, it looks at how many states insurers cover and how big the company is based on its market share.
Cheapest car insurance for drivers with an incident
The table below shows how different incident types can affect your rates in Spartanburg. The below rates are estimated rates current as of: Thursday, August 1 at 12:00 PM PDT .
| Insurance Company▲▼ | Clean Driving Record▲▼ | With Speeding Ticket▲▼ | With At-Fault Accident▲▼ | With DUI▲▼ |
|---|---|---|---|---|
| USAA | $45 | $58 | $60 | $73 |
| Auto-Owners | $49 | $63 | $65 | $80 |
| State Farm | $51 | $65 | $67 | $83 |
| GEICO | $54 | $69 | $72 | $88 |
| Nationwide | $74 | $96 | $99 | $120 |
| Safeco | $76 | $99 | $98 | $124 |
| Allstate | $79 | $101 | $105 | $128 |
| Travelers | $85 | $110 | $113 | $138 |
| Progressive | $99 | $127 | $133 | $161 |
| State Auto | $102 | $142 | $148 | $166 |
| Midvale Home & Auto | $110 | $146 | $154 | $179 |
| Direct Auto | $124 | $159 | $168 | $202 |
| Liberty Mutual | $140 | $195 | $200 | $228 |
| Dairyland | $142 | $183 | $187 | $231 |
| National General | $159 | $205 | $212 | $259 |
| The General | $159 | $206 | $214 | $259 |
| AssuranceAmerica | $189 | $246 | $250 | $307 |
| Bristol West | $196 | $251 | $257 | $319 |
| GAINSCO | $217 | $303 | $276 | $353 |
Spartanburg, SC Car Insurance Quotes | 1-855-387-1789
FAQ
What is the cheapest car insurance in South Carolina?
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Insurance Company
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Average monthly premium
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Savings vs state avg. for full coverage
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American National
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$48
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– $1,223
|
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Travelers
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$114
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– $425
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Progressive
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$118
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– $381
|
|
Auto-Owners
|
$120
|
– $357
|
Who typically has the cheapest car insurance?
What is the average cost of auto insurance in South Carolina?
What is the cheapest car insurance in Spartanburg SC?
In Spartanburg, SC the cheapest auto insurance providers on average are State Farm, Travelers and Allstate. State minimum liability car insurance starts at $71 a month or $850 a year. Full coverage car insurance would cost around $198 a month or $2,381 a year.
Who pays the highest car insurance rates in Spartanburg?
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:
How are car insurance quotes calculated in Spartanburg?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can’t control like your gender and age, but also factors like your credit score, driving record, marital status, and address. Why is the cost of car insurance in Spartanburg different from other neighboring cities?
Who is the best car insurance company 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.