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.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • Average car insurance rates in Spartanburg, SC for senior drivers are $2,136/year
  • The cheapest car insurance company in Spartanburg after a DUI is State Farm
  • Average car insurance rates in Spartanburg, SC are $304/month

Average car insurance rates in Spartanburg, South Carolina are $304 a month. But with a little research you can get a great deal from the top car insurance companies in Spartanburg, SC. Before you buy Spartanburg, South Carolina car insurance, make sure your coverage meets or exceeds the South Carolina minimum of 25/50/25.

It may even be helpful to compare Spartanburg car insurance rates with Hilton Head Island car insurance rates, Rock Hill car insurance rates, or Columbia car insurance rates to make sure you’re getting the best Spartanburg, SC car insurance quotes available.

Need affordable Spartanburg, SC car insurance? Enter your ZIP code to compare Spartanburg car insurance quotes from multiple car insurance companies near you.

Spartanburg, SC Minimum Car Insurance Coverage

Spartanburg, South Carolina law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

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

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Spartanburg, SC Car Insurance Rates by Coverage Level

Some Spartanburg drivers can get by with the South Carolina minimum coverage of 25/50/25. Other drivers may need more. See how much your Spartanburg, South Carolina car insurance rates may be based on the coverage you need.

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

Spartanburg, SC Car Insurance Rates by Age, Gender, and Marital Status

Spartanburg, South Carolina car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Spartanburg, SC car insurance, get quotes from multiple car insurance companies in the Spartanburg area and see how these criteria affect your 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

Spartanburg, SC Car Insurance Rates for Teens

How much is Spartanburg, South Carolina car insurance for teens? Compare rates from top Spartanburg car insurance companies below to help find the cheapest teen car insurance in Spartanburg, SC.

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

Spartanburg, SC Car Insurance Rates for Seniors

Before seniors buy Spartanburg, South Carolina car insurance, they should make sure to shop around. Some Spartanburg, SC car insurance companies may offer discounts or other savings options for senior car insurance.

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

Spartanburg, SC Car Insurance Rates by Credit History

How does your credit history affect Spartanburg, SC car insurance rates? Review the numbers here to find out.

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

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Spartanburg, SC Car Insurance Rates by Driver History

How does a single speeding ticket affect your Spartanburg, South Carolina car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Spartanburg.

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

Spartanburg, SC Car Insurance Rates With a DUI

Even a single DUI can increase your Spartanburg, SC car insurance rates. Compare rates below to see which Spartanburg car insurance company has the best rates for drivers with a DUI.

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

Spartanburg, SC Car Insurance Rates by ZIP Code

Just like Spartanburg car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Spartanburg, SC car insurance rates fluctuate by ZIP code.

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

Spartanburg, SC Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Spartanburg, SC car insurance rates may be. Let’s take a look at average car insurance rates from top Spartanburg companies based on commute time.

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

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Spartanburg, SC Cheapest Car Insurance Rates

How do the top Spartanburg, South Carolina car insurance companies’ average rates stack up against the Spartanburg average monthly car insurance rates of $304? Take a look and see.

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

Spartanburg, SC Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Spartanburg, South Carolina car insurance companies to help you find one that best fits 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

Other Factors Affecting Spartanburg, SC Car Insurance Rates

Before you buy Spartanburg, South Carolina car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Spartanburg, SC Commute Time

How does your Spartanburg, SC commute time compare with the average driver? In Spartanburg, the average commute is 20.3 minutes.

Spartanburg, SC Traffic

Spending time in Spartanburg traffic can lead to higher car insurance rates. According to INRIX data, Spartanburg, SC ranks as the 491st-most congested with traffic in the world.

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Spartanburg, SC Car Insurance Quotes

Compare Spartanburg, SC car insurance quotes from multiple companies by entering your ZIP code now.