Compare Spartanburg, SC Car Insurance Rates (2021)

Car insurance in Spartanburg, SC averages $304 a month. Spartanburg, South Carolina car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Spartanburg car insurance rates, compare quotes from the top car insurance companies in Spartanburg, SC.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Spartanburg, SC are $3,653/year
  • Average car insurance rates in Spartanburg, SC after a DUI are $4,149/year
  • The cheapest car insurance company in Spartanburg for teen drivers is GEICO

If you need to buy Spartanburg, South Carolina car insurance, the options can be confusing. Everything you need to know about car insurance in Spartanburg, SC is right here.

You’ll find Spartanburg car insurance rates, the cheapest Spartanburg, SC car insurance companies, and information on South Carolina car insurance laws. You can also compare Spartanburg, South Carolina car insurance rates to North Charleston car insurance rates, Columbia car insurance rates, and Florence car insurance rates.

Ready to find affordable Spartanburg, SC car insurance today? Enter your ZIP code for fast, free Spartanburg car insurance quotes.

Cheapest Spartanburg, SC Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Spartanburg, SC car insurance rates? Every Spartanburg, South Carolina car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Spartanburg, South Carolina

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,506 $2,506 $2,396 $2,396 $6,555 $8,394 $2,785 $3,032
Farmers $3,169 $3,164 $3,025 $3,286 $8,459 $9,461 $3,453 $3,506
GEICO $2,032 $2,032 $1,852 $1,852 $4,944 $5,065 $2,374 $2,433
Nationwide $2,302 $2,331 $2,078 $2,153 $5,590 $7,173 $2,605 $2,831
Progressive $2,473 $2,285 $2,136 $2,234 $10,684 $11,798 $2,867 $3,007
State Farm $1,898 $1,898 $1,726 $1,726 $5,578 $6,985 $2,133 $2,415
USAA $1,650 $1,649 $1,522 $1,515 $6,794 $7,424 $2,172 $2,277

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Spartanburg, SC

Every driver must carry the minimum car insurance in Spartanburg, SC. Take a look at the South Carolina car insurance requirements.

Minimum Required Car Insurance Coverage in Spartanburg, South Carolina

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Spartanburg, SC Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Spartanburg, SC. Compare credit history car insurance rates in Spartanburg from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Spartanburg, South Carolina

Insurance Company Poor Fair Good
Allstate $4,784 $3,626 $3,053
Farmers $5,338 $4,569 $4,165
GEICO $4,305 $2,316 $1,848
Nationwide $4,017 $3,263 $2,869
Progressive $5,194 $4,578 $4,285
State Farm $4,367 $2,668 $2,099
USAA $4,864 $2,402 $2,110

Cheapest Spartanburg, SC Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Spartanburg, SC to rates for a clean record with top companies.

Annual Spartanburg, South Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,870 $4,560 $4,049 $3,806
Farmers $3,914 $5,442 $4,509 $4,897
GEICO $2,148 $2,784 $4,211 $2,148
Nationwide $2,710 $3,477 $4,370 $2,975
Progressive $3,838 $5,611 $4,665 $4,628
State Farm $2,756 $3,398 $3,013 $3,013
USAA $2,465 $3,049 $4,226 $2,762

Cheapest Spartanburg, SC Car Insurance for Teen Drivers

Teen car insurance in Spartanburg, SC can be expensive. Take a look at rates from the top car insurance companies in Spartanburg for teenagers.

Annual Car Insurance Rates for Teen Drivers in Spartanburg, South Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,555 $8,394
Farmers $8,459 $9,461
GEICO $4,944 $5,065
Nationwide $5,590 $7,173
Progressive $10,684 $11,798
State Farm $5,578 $6,985
USAA $6,794 $7,424

Cheapest Spartanburg, SC Car Insurance for Seniors

Take a look at Spartanburg, SC senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Spartanburg, South Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,396 $2,396
Farmers $3,025 $3,286
GEICO $1,852 $1,852
Nationwide $2,078 $2,153
Progressive $2,136 $2,234
State Farm $1,726 $1,726
USAA $1,522 $1,515

Cheapest Spartanburg, SC Car Insurance Rates After a DUI

A DUI in Spartanburg, SC increases car insurance rates. Compare Spartanburg, South Carolina DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Spartanburg, South Carolina

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,049
Farmers $4,509
GEICO $4,211
Nationwide $4,370
Progressive $4,665
State Farm $3,013
USAA $4,226

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Spartanburg, SC Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Spartanburg, SC by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Spartanburg, South Carolina

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,741 $3,901
Farmers $4,691 $4,691
GEICO $2,808 $2,838
Nationwide $3,383 $3,383
Progressive $4,686 $4,686
State Farm $2,970 $3,119
USAA $3,093 $3,158

Cheapest Spartanburg, SC Car Insurance Rates by ZIP Code

Spartanburg car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Spartanburg, SC.

Annual Car Insurance Rates by ZIP Code in Spartanburg, South Carolina

ZIP Code Average Annual Rates
29302 $3,433
29303 $3,396
29306 $3,420
29307 $3,404

The Best Cheap Car Insurance Companies in Spartanburg, SC

Take a look at a side-by-side comparison of the top car insurance companies in Spartanburg, SC to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Spartanburg, South Carolina

Insurance Company Average Annual Rates
Allstate $3,821
Farmers $4,691
GEICO $2,823
Nationwide $3,383
Progressive $4,686
State Farm $3,045
USAA $3,125

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Category Winners: Cheapest Car Insurance in Spartanburg, South Carolina

Find the cheapest car insurance companies in Spartanburg, SC for each category right here.

Best Annual Car Insurance Rates by Company in Spartanburg, South Carolina

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation GEICO

Cheapest Spartanburg, SC Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Spartanburg car insurance rates. Find the cheapest Spartanburg, SC car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Spartanburg, South Carolina

Insurance Company Low Medium High
Allstate $3,611 $3,805 $4,048
Farmers $4,251 $4,693 $5,127
GEICO $2,657 $2,800 $3,012
Nationwide $3,357 $3,382 $3,410
Progressive $4,375 $4,635 $5,047
State Farm $2,824 $3,043 $3,267
USAA $2,954 $3,121 $3,301

What affects car insurance rates in Spartanburg, South Carolina?

What factors can have an impact on Spartanburg, SC car insurance? There are several reasons why Spartanburg car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Spartanburg, South Carolina.

Commute Time in Spartanburg

The more time you spend in your car the higher the risk of an accident. The average commute length in Spartanburg, SC is 20.3 minutes according to City-Data.

Traffic in Spartanburg

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Spartanburg, SC traffic data from INRIX ranks Spartanburg as the 491st-most congested in the world.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in Spartanburg, SC

Ready to find affordable Spartanburg, South Carolina car insurance today? Enter your ZIP code for fast, free Spartanburg, SC car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption