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How much is car insurance in Spartanburg?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $7 a month cheaper to insure your vehicle in Spartanburg than it is in the rest of South Carolina.
That being said the expected monthly payments for an auto insurance policy in Spartanburg are above the national average. The cost of auto coverage in Spartanburg is about $16 more expensive than the national average.
Keep in mind that these are the average auto insurance rates for Spartanburg, and that the rate you get could end up being something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
We've done the heavy lifting for you and broken down the average rate for Spartanburg so that you can get a more accurate idea of what your monthly bill might be. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates begin to go back up once you hit retirement age in Spartanburg.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Spartanburg, however, men actually pay a little bit less than female drivers for car insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Spartanburg, drivers with one accident on their record will experience rates around $131 a month. Similarly, drivers with one ticket will typically pay around $132 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$102|
|15 Years or Older||$92|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Spartanburg, with drivers paying around $83 per month for insurance coverage.
SUV drivers will see rates of about $101 for insurance coverage, while car owners by and large pay around $98 per month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Spartanburg, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$102|
On average, people who are married will pay slightly less for car insurance. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Spartanburg can be as much as $21 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$121|
Another factor taken into consideration is your housing situation. If you rent your home or apartment in Spartanburg, expect to pay around $17 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Spartanburg, SC
Recent trends in car insurance for Spartanburg drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
Car insurance rates in Spartanburg rose consistently from 2017-2021. Car insurance rates finished down in 2022, at $113.
How does Spartanburg compare to neighboring areas?
Why are car insurance rates in Spartanburg different from other areas?
Car insurance companies look at several factors when they're choosing how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Road safety
- Community laws
- Total number of drivers in the region
- Amount of off-street parking
- Area crime rates
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Spartanburg?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But wait! Compare.com has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Spartanburg in no time.
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Spartanburg Insurance FAQs
What factors affect car insurance quotes 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?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Spartanburg?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Spartanburg?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Spartanburg or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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