The type of vehicle you are seeking coverage for is probably the largest consideration that determines whether or not you find cheap car insurance in Spartanburg. Vehicles with reasonable performance levels, good safety features, or a positive history of liability claims will cost substantially less to insure than high performance models. The next table shows car insurance prices for some of the most budget-friendly vehicles to insure in South Carolina.
|Vehicle||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$821|
|Ford Escape Limited 2WD||$839|
|Honda CR-V EX 2WD||$927|
|Honda Accord LX-P 4-Dr Sedan||$937|
|Jeep Grand Cherokee Laredo 2WD||$972|
|Ford F-150 Lariat Crew Cab 4WD||$990|
|Volkswagen Jetta S 2.5 Station Wagon||$1,003|
|Ford Edge Sport 2WD||$1,025|
|Toyota Corolla XRS||$1,043|
|GMC Sierra SLT Extended Cab 4WD||$1,052|
|Toyota RAV4 Limited 4WD||$1,064|
|Ford Focus SE 4-Dr Sedan||$1,072|
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Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Information does not factor in specific location which can affect premiums significantly.
By looking at the data, you can expect models like the Hyundai Elantra, Ford Escape, and Honda CR-V are most likely going to be the more affordable vehicles to insure for drivers in Spartanburg.
Deciphering which company quotes the best auto insurance rates in Spartanburg in South Carolina calls for a tad more effort in order to find the lowest price. Every auto insurer uses different criteria to set policy rates, so we'll go over the auto insurance companies with the overall best prices in South Carolina.
It's important that readers know that South Carolina auto insurance rates are impacted by many factors that can increase the cost of having a policy. Simply getting older, buying a home instead of renting, or getting a speeding ticket can trigger changes in premium resulting in some rates now being cheaper than before.
Best Insurance Companies in Spartanburg
|Rank||Company||Cost Per Year|
|5||Southern Farm Bureau||$1,286|
|6||SC Farm Bureau Mutual||$1,298|
|7||National Grange Mutual||$1,335|
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The Hartford generally has some of the lowest car insurance rates in South Carolina at around $775 a year. USAA, State Auto, Auto-Owners, and Southern Farm Bureau also qualify as some of the more affordable South Carolina auto insurance companies.
As shown in the table above, if you buy coverage from Auto-Owners and switched to The Hartford, you may see an annual savings of roughly $378. Drivers with Southern Farm Bureau could save as much as $511 a year, and SC Farm Bureau Mutual customers might see rate reductions of $523 a year.
Be aware that those estimates are averages for all insureds and vehicles and do not factor in a price discount in Spartanburg. So the company that has the cheapest price for you may not even be in the top 18 companies in the list above. That underscores the importance of why you need to get rate quotes from many companies using your own personal information and vehicle type.
The example below shows how choosing a deductible can impact insurance rates when researching cheap insurance in Spartanburg in South Carolina. The data is based on a single female driver, full coverage, and no discounts are applied to the premium.
As shown above, a 30-year-old driver could lower their policy premium by $310 a year by increasing from a $100 deductible up to a $500 deductible, or save $466 by selecting a $1,000 deductible. Even younger insureds, such as the 20-year-old example, can save $688 each year just by choosing higher deductibles. When using a larger deductible, it will be required to have additional funds in a savings account to allow you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Discounts on South Carolina auto insurance rates
Auto insurance companies that provide policies in Spartanburg could also offer price discounts that could reduce prices by 40% or more if you qualify for them. A list of companies and some of the discounts can be found below.
- GEICO includes discounts for military active duty, multi-vehicle, membership and employees, driver training, good student, and anti-lock brakes.
- MetLife offers discounts including good driver, claim-free, accident-free, defensive driver, and good student.
- Progressive has discounts for online signing, good student, multi-vehicle, continuous coverage, online quote discount, homeowner, and multi-policy.
- Travelers may offer discounts for IntelliDrive, driver training, multi-car, multi-policy, early quote, new car, and save driver.
- SAFECO offers premium reductions for anti-lock brakes, safe driver, accident prevention training, teen safe driver, anti-theft, teen safety rewards, and bundle discounts.
- AAA offers discounts for education and occupation, good driver, pay-in-full, multi-policy, anti-theft, and AAA membership discount.
The information below illustrates the comparison of insurance costs with and without discounts applied. The rates are based on a female driver, a clean driving record, no at-fault accidents, South Carolina state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with marriage, safe-driver, passive restraint, multiple vehicle, defensive driving course, and vehicle safety discounts applied. In this example, theaverage yearly reduction on auto insurance in Spartanburg is 28% or $423.
Drive safe and save
One of the best ways to earn good auto insurance premiums for drivers in Spartanburg is to be a safe driver and avoid accidents and violations. The diagram below shows how traffic citations and at-fault claims can impact car insurance rates for different age categories. The costs are based on a single male driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
In the chart above, the average cost of car insurance in South Carolina per year with no violations or accidents is $1,610. Add in one speeding ticket and the average cost increases to $1,814, an increase of $204 each year. Then throw in one accident along with the one speeding ticket and the yearly cost of auto insurance in Spartanburg in South Carolina increases to an average of $2,382. That's an increase of $772, or $64 per month, just for a couple of infractions!
How to find low-cost auto insurance in Spartanburg in South Carolina
It's not impossible to find cheaper rates, and here are a few thrifty ideas that can help South Carolina drivers get more affordable coverage.
- Improve your credit rating
- Bundle home and auto and earn a discount
- Remain accident-free and save
- If your vehicles are older, consider dropping full coverage
- Choose a safer vehicle and pay lower rates
- Shop around for cheaper prices
That last piece of advice is notably significant, as was stressed in the prior article. Coverage prices vary greatly, so drivers shouldn't hesitate to change insurance companies if a more affordable rate is found. Having brand loyalty is commendable, but it's not a good idea if that devotion results in you overpaying several hundred dollars every year. Take a couple minutes and compare prices and find cheaper auto insurance in Spartanburg.