Finding the Best Car Insurance Quotes in Spartanburg, SC

Shopping around for car insurance is the best way to find affordable rates in Spartanburg, SC. Comparing quotes from multiple top insurers ensures you get the right coverage at the lowest price. This article will explain how to get car insurance quotes in Spartanburg and maximize savings on your policy.

Average Cost of Car Insurance in Spartanburg, SC

The average annual premium for a full coverage policy in Spartanburg is $1,320 according to 2021 data. Rates for minimum liability coverage average about $455 per year. However, your individual premium will depend on factors like:

  • Your age, gender, marital status
  • Driving record and credit score
  • Type of vehicle and how it’s used
  • Selected coverage limits and deductibles
  • Where you live and park the car
  • Annual mileage and commuting distance
  • Safety features on the vehicle
  • Discounts for which you qualify

Car insurance rates can vary dramatically based on these criteria. Comparing customized Spartanburg quotes is the only way to find the best value for your situation.

Minimum Car Insurance Requirements in SC

South Carolina mandates all drivers carry at least:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability

So any car insurance quote you consider must include these minimum liability coverages. Additional recommended protections in Spartanburg include:

  • Uninsured/underinsured motorist (covers injuries from an at-fault uninsured driver)
  • Comprehensive (covers damage from weather, fire, theft, vandalism)
  • Collision (covers your repairs from an at-fault accident)
  • Personal injury protection (covers medical expenses for you and passengers)

Compare quotes with different levels of coverage to find the right balance of protection and affordability.

How to Get Car Insurance Quotes in Spartanburg, SC

Follow these steps to get free Spartanburg car insurance quotes:

  1. Determine your needs – Decide which coverages beyond state minimums are right for you based on your car’s value, loan requirements, and budget.

  2. Compare quotes online – Use insurer websites or quote comparison platforms to get customized rate estimates instantly.

  3. Call agents to clarify details – Speaking with agents ensures you accurately compare the same coverages between quotes.

  4. Look for discounts – Ask about all available discounts you may qualify for to lower premiums.

  5. Raise deductibles – Choosing higher deductibles like $500, $750, or $1,000 reduces monthly costs.

  6. Check rates regularly – Shop around for better deals every 6 months when your policy renews.

Getting at least 5-7 quotes provides a good sample to find the best price on car insurance in Spartanburg. Compare premiums as well as each company’s financial strength, customer service reputation, and extra benefits.

Top Auto Insurance Companies in Spartanburg, SC

Company Average Annual Quote Rating
Direct Auto $1,543 3.5/5
State Farm $1,320 4.5/5
Allstate $1,970 3/5
GEICO $972 4/5
Progressive $2,012 3.5/5

GEICO and State Farm offer the lowest average premiums in Spartanburg for both minimum liability and full coverage. But every insurer uses different formulas, so compare as many quotes as possible.

Consider customer satisfaction, claims handling, financial strength, available discounts, and extra policy perks when choosing your top insurers.

Discounts to Ask About in Spartanburg

Reputable insurers offer a variety of discounts that can substantially reduce your car insurance costs. Be sure to ask Spartanburg agents about savings for:

  • Good driver (up to 30% off for 3 years accident-free)
  • Good student (up to 15% off for B average)
  • Defensive driver course (up to 10% off)
  • Vehicle safety features like airbags and anti-theft (up to 25% off)
  • Mileage-based (lower rates for driving less than average yearly)
  • Multi-policy bundling (up to 20% off for insuring home or commercial policies too)
  • Multi-car (up to 25% off for covering multiple cars on one policy)

Maximizing discounts is a key strategy for finding cheap car insurance in Spartanburg. Make sure to bring up your eligibility for reductions when getting quotes.

How Long Does it Take to Get an Insurance Card in Spartanburg?

You should receive proof of new insurance immediately after purchasing a Spartanburg auto policy. Here’s the typical timeline:

  • 5 minutes – Receive digital insurance card via email to use electronically on your smartphone.

  • 1-3 business days – Receive paper insurance card in the mail.

  • 5-7 business days – Receive full policy documents containing your declaration page, endorsements, exclusions, and coverage details.

Agents can provide a binder number confirming your new policy if you need to drive before receiving cards. But you typically get instant proof through email upon buying insurance in Spartanburg.

Is Car Insurance Required in Spartanburg? Can I Drive Uninsured?

Yes, South Carolina law requires all motor vehicles operated on public roads to be insured. The penalties for driving without insurance depend on your offense:

  • 1st offense – $200 fine plus $200 assessment fee
  • 2nd offense – $400 fine plus $400 assessment fee
  • 3rd+ offense – $400 fine plus $400 assessment fee, plus 60-day license/tag suspension

You’ll also have to file an SR-22 form with the DMV proving you now carry insurance for 3 years before reinstatement. The costs and hassles make driving uninsured not worthwhile.

How Can I Lower My Car Insurance Premium in Spartanburg?

Here are some tips to get the lowest car insurance rates in Spartanburg:

  • Shop around – Compare quotes from different insurers every 6 months when your policy renews. Rates change and you may find better deals.

  • Ask about discounts – Inquire about all possible discounts you may qualify for and apply them to your policy.

  • Take a defensive driving course – Completing an approved driver safety course can earn you a discount.

  • Improve your credit – Auto insurers charge more for low credit scores. Pay bills on time and lower debts to raise your score.

  • Raise deductibles – Opt for higher deductibles to reduce your monthly premiums.

  • Limit mileage – Ask for low-mileage discounts if you drive less than 10,000-15,000 miles per year.

  • Maintain good driving habits – A clean record with no accidents, speeding tickets, or DUIs results in the lowest rates.

Finding affordable car insurance in Spartanburg, SC takes some time and effort. But you can secure the coverage your family needs at the best price by shopping smart and maximizing savings opportunities.

Spartanburg, SC Car Insurance Quotes | 1-855-387-1789


Who gives the lowest car insurance rates?

State Farm is the cheapest large auto insurance company in the nation for good drivers, according to NerdWallet’s 2024 analysis of minimum coverage rates. State Farm’s average annual rate was $471 or about $39 per month.

What is the best and cheapest insurance for car?

State Farm is the cheapest national car insurance company, at $41 per month for liability-only coverage. Geico also has cheap quotes, averaging $52 per month. USAA has the most affordable liability-only rates at $31 per month. But only military members, veterans or their families can qualify for USAA.

How much is car insurance per month in SC?

Driving Record
Annual Premium
Monthly Premium
At-Fault Accident

Why is South Carolina car insurance so high?

Top Reasons Car Insurance Is Expensive in South Carolina. People in South Carolina are driving more. As a result, the number of accidents, claims, and payouts is rising, too. For example, there were approximately 962 fatal crashes in 2020 in South Carolina, versus 911 fatal crashes in 2015.

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