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How much is car insurance in Spartanburg?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Spartanburg is about $7 cheaper than it is in the rest of South Carolina.
The average cost of insuring your vehicle in Spartanburg is above the national rate. The average monthly payment in Spartanburg is about $12 more expensive than the rate for the rest of the U.S.
Although these are the average car insurance rates in Spartanburg, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
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 policy will cost you. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates begin to increase again in Spartanburg.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Spartanburg, although men do pay slightly less on their monthly insurance rates, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Spartanburg, drivers with one accident on their record will experience rates around $124 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $139 on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can get keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$95|
|15 Years or Older||$84|
If you look at the first table above, the cheapest vehicles to insure in Spartanburg are usually trucks and vans, at $82 per month.
Car owners, on the other hand, by and large pay around $92 per month, while SUV drivers can expect to pay about $93 a month for insurance coverage.
You can also expect to see slightly different rates depending on your vehicle's age. Overall, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. In Spartanburg, for example, 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)||$96|
More often than not, those who have settled down into marriage will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Spartanburg follows that pattern, with the difference totaling to around $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$119|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $14 a month more than if you own your own home in Spartanburg. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Spartanburg, SC
Recent trends in car insurance for Spartanburg drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
The cost of car insurance coverage in Spartanburg declined from 2016-2017, but began to rise in 2018. This pattern has continued through 2021 when rates have most recently hit $111.
How does Spartanburg compare to neighboring areas?
Why are car insurance rates in Spartanburg different from other areas?
There are a variety of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. Many factors affecting your policy are based around where you call home. These factors include things like:
- Availability of off-street parking
- Amount of drivers in the area
- Road Safety (how many accidents each locality has)
- Area laws
- 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. Get started with a guide like this to get familiar with the average rates of your area.
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.
Luckily, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Spartanburg.
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 marital status, credit score, address, and driving record.
Why is the cost of car insurance in Spartanburg different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Spartanburg?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Spartanburg or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.