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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Spartanburg, South Carolina, is home to the BMW plant — the largest automotive production facility in the world. The city likely benefits from a strong local economy driven by the auto industry.[1] Car insurance in Spartanburg averages $206 per month.
Spartanburg drivers actually pay less than the statewide average, likely due to the city’s lower cost of living compared to major metropolitan areas like Charleston and Columbia.[2]
Many insurance companies offer rates well below the citywide average. The three companies with the lowest insurance policy rates are USAA, Auto-Owners, and State Farm, with the cheapest average liability rate starting at just $64 per month.
Let’s explore the most affordable insurers in Spartanburg for different driver types, how to choose the right company for your situation, and practical tips to lower your auto insurance costs.
Spartanburg drivers can get the cheapest coverage from USAA, at $64 per month.
Liability coverage in Spartanburg costs an average of $170 per month, and full coverage costs $241.
South Carolina requires drivers to maintain 25/50/25 liability limits plus uninsured motorist coverage.[3]
Regardless of Spartanburg’s average rates, you can still find excellent deals from several insurers offering coverage well below the citywide average.
The table below highlights the most affordable insurance companies in Spartanburg, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| USAA | $64 |
| Auto-Owners | $69 |
| State Farm | $71 |
| Nationwide | $103 |
| Progressive | $103 |
| Allstate | $110 |
| Travelers | $118 |
| GEICO | $143 |
| State Auto | $143 |
| Safeco | $145 |
| National General | $159 |
| Direct Auto | $162 |
| Root | $173 |
| Dairyland | $178 |
| The General | $186 |
| Liberty Mutual | $197 |
| Bristol West | $230 |
| GAINSCO | $233 |
| AssuranceAmerica | $248 |
USAA offers the cheapest rates in Spartanburg, with rates averaging $64 per month.
But your rates will depend on your unique profile and coverage levels. Let’s explore these in the sections below.
The companies above are a great place to start, but your age, driving record, ZIP code, and other factors will also affect your rates. That’s why you should compare insurance quotes from multiple insurers to find the best deal.
The data below shows average monthly premiums for different coverages and driver backgrounds, as well as the cheapest insurer for each, according to our research.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | USAA | $64 |
| Full coverage | USAA | $99 |
| Teens | USAA | $123 |
| Seniors | USAA | $53 |
| Drivers with a speeding ticket | USAA | $78 |
| Drivers with an at-fault accident | USAA | $82 |
| Drivers with a DUI | USAA | $87 |
| Drivers with excellent credit | Auto-Owners | $55 |
| Drivers with poor credit | USAA | $75 |
Next, we’ll go into more detail for each category in the sections below.
Policies in Spartanburg start as low as $64 per month.
Spartanburg drivers must meet the state’s minimum coverage requirements before getting on the road. In Spartanburg, the average rate for liability-only auto insurance is $170 per month, according to our data.
Most insurance experts strongly recommend buying more coverage than South Carolina requires. State minimums leave you financially vulnerable if you cause a serious accident.[4]
But if your situation only requires liability-only coverage, the chart below lists the five most affordable insurance companies in Spartanburg, according to Compare.com data.
Most drivers would benefit from full coverage because it protects vehicles from damage, theft, and weather-related incidents. Full coverage typically includes comprehensive coverage and collision insurance on top of the state’s minimum liability requirements.
Lenders and leasing companies require you to buy full coverage if you finance or lease your vehicle to protect their investment.[5]
Full coverage in Spartanburg averages $241 per month. But several insurers offer full coverage for close to what you’d pay for liability-only coverage in Spartanburg.
Here are five insurers offering the cheapest full-coverage premiums in Spartanburg, according to Compare.com research.
Teen drivers face some of the steepest insurance rates of any age group. Insurance companies charge teens more because they not only lack driving experience but also cause more accidents, drive distracted, and tend not to wear seat belts.[6]
Nationally, the average teen pays nearly double what someone 20 or older pays for the same coverage, according to our data. Teens in Spartanburg pay $413 per month, on average. But you can still find reasonable deals if you’re willing to shop around.
The five companies in the chart below offer the cheapest auto insurance rates in Spartanburg for teens, according to Compare.com data.
Getting older has its perks — senior drivers typically get the lowest insurance rates of any age group. Insurance companies reward older drivers for their years of experience and statistically lower accident rates.[7]
In Spartanburg, the average senior pays around $179 per month, according to Compare.com data. Senior rates are already low, but you can likely find an even better deal with some companies.
Our research shows the five cheapest insurers in Spartanburg for senior drivers in the chart below.
Insurance companies view moving violations as indicators of future risk, so companies will raise your premiums if you get a ticket.[8] Just one speeding ticket causes average rates to jump by 37% nationwide, according to our research.
In Spartanburg, a recent ticket will cost you an average of $245 per month for car insurance, but we found several insurers with cheaper rates. Check out the chart below that highlights five companies in Spartanburg for drivers with recent tickets, according to our data.
Your auto insurance rates will increase even more if you cause an accident. At-fault accidents signal to insurers that you’re more likely to file claims in the future. Our research shows that a single at-fault accident increases average rates by 41% nationwide.
Drivers with recent accidents in Spartanburg pay a monthly average of $259, according to Compare.com data, but you can often secure better rates with one of the five insurers featured in the chart below.
Driving under the influence (DUI) is worse than a ticket or accident and triggers the sharpest increase in car insurance rates of any driving incident. Our data shows average rates increase by 61% nationwide after a DUI.
A DUI conviction can make it challenging to find auto coverage, but some insurers specialize in high-risk drivers, including drivers with DUIs.[9]
Spartanburg drivers pay an average of $258 per month after a DUI, according to our data.
But there’s hope for cheaper rates after a DUI if you know where to look. Our data shows that the five insurers in the chart below offer more affordable rates if you’re a Spartanburg driver with a DUI conviction.
Most states allow insurers to consider your credit history when calculating your rates. Insurance companies use your credit-based insurance score (different from your credit score), which helps them predict how likely you are to file claims.[10]
Our research shows drivers with poor credit pay around 20% more than drivers with excellent credit. In Spartanburg, the average driver with poor credit pays $240 per month.
But not all companies use credit as a rating factor, and some offer affordable rates regardless of your credit history. Here are five companies you can get quotes from if your credit is less than perfect in Spartanburg, according to Compare.com data.
Compare personalized quotes from Spartanburg’s top insurers.
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South Carolina requires all drivers to maintain auto insurance, like most states. Here are the minimum requirements you need to meet to legally drive in Spartanburg.
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $25,000 per accident
Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Underinsured motorist coverage, similar to uninsured motorist coverage, is optional, but you can purchase it for additional protection.
Minimum coverage meets South Carolina’s requirements but often isn’t enough to protect you if you cause a major accident. Relying on minimum coverage limits can leave you financially vulnerable.
Just consider that medical expenses and property damage can easily exceed $25,000, leaving you responsible for paying thousands of dollars out of pocket. Most experts recommend purchasing coverage above your state requirements. Lenders require comprehensive and collision coverage if you finance or lease your vehicle.
We’ve answered some common questions about auto coverage in Spartanburg. Check them out below.
Car insurance in Spartanburg costs an average of $206 per month, according to our data. That breaks down to $170 per month for liability coverage and $241 for full coverage.
Yes. Spartanburg drivers pay an average of $206 per month for auto coverage, compared to the national average of $143. Keep in mind that multiple factors, including your ZIP code, driving record, and insurance policy type, determine how much you’ll actually pay in Spartanburg.
USAA is the cheapest insurer in Spartanburg, averaging $64 per month, according to Compare.com data.
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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