Spartanburg Car Insurance

Everything You Need to Know About Spartanburg, SC Car Insurance

Find the right car insurance policy for you.

Spartanburg, SC is home to the University of South Carolina Upstate and 37,647 people. This makes it a dynamic and growing part of the Greenville-Spartanburg metro area and home to many large corporations. But to get out and enjoy all the great things that this sprawling metro area offers requires a car. Driving a car means insuring a car by state law. 

Good car insurance protects you from other drivers to whatever limits you choose, but it can be expensive if you don’t understand your options. That’s where a quote from your Independent Insurance Agent is important in getting what you need for the most affordable price. Your agent will secure multiple quotes from different companies to find you the best possible Spartanburg car insurance for your situation.

Cost of Car Insurance in South Carolina

The cost of car insurance is based on seven different things, in order:

  1. Your coverage and deductibles - This is your level of protection for any claim.
  2. What you drive - A more expensive car to repair will result in a higher premium.
  3. How often and how far you drive - Insurers usually take your word for it.
  4. Where you live - How much vandalism has there been in your neighborhood?
  5. Your driving record - Are you accident- and ticket-free?
  6. Your credit history - A credit risk is considered to be an insurance risk.
  7. Your age, sex and marital status - Single males under 25 pay more for coverage.

On average, drivers spend $1,311 per year on car insurance premiums throughout the U.S. In South Carolina, it is only $1,210, which ranks the state 31st overall.

South Carolina Car Insurance Requirements

You can select the coverage you want in order to protect yourself from loss and lawsuits, but minimum protection is required by state law for every vehicle. Your options include the following:

  • Bodily Injury Liability: This is required, with a minimum of $25,000 per person covered and a minimum of $50,000 total for all persons injured in an accident.
  • Property Damage Liability: This is also required, with a minimum of $25,000 for any property (primarily other cars) damaged in an accident.
  • Personal Injury Protection: This is not required, but you may select to cover any injuries to you personally.
  • Uninsured Motorist Coverage: This is not required in South Carolina, but you may want it in case you are hit by someone who has no insurance.
  • Comprehensive: This is a policy that includes all of the above plus many additional features, including coverage for any damage to the car for any reason.

The state minimums are not very high; the cost of an accident that injures someone else may be much more expensive than these limits. That’s why additional coverage may be important. You are responsible for any additional costs above your coverage if you are found responsible for an accident in a court of law. That's why you need the best Spartanburg auto insurance you can fit into your budget.

Number of Uninsured Motorists in South Carolina

The odds of getting into an accident with a driver who has no insurance is very high, with 12.6 percent of all drivers or one in eight being uninsured on average in the U.S. South Carolina is slightly better, with only 7.7 percent of all drivers uninsured. Uninsured motorist coverage is not very expensive, yet it can save you quite a lot if you are in an accident with someone who is not covered. It’s usually a great way to go, especially if you have a new car and select comprehensive coverage.

Number of Auto Thefts in South Carolina

Nationally there are 2.94 thefts for every 1,000 cars each year. In South Carolina, the rate is higher, with 3.49 thefts for every 1,000 cars. You can protect yourself from theft by taking a few precautions. Always park some place that has a lot of people around at all times and is well-lit to prevent theft. Most cars come with alarms today, but you have to remember to set it for it to work.

Find a Great Spartanburg Car Insurance Policy

Getting the best quotes for your needs can save you a lot of money in the long run – both every time you pay the premium and any time the worst does happen to you. Contact your agent today and get the right quotes. 

Talk to an Independent Insurance Agent, who can help you assess your needs based on what you can afford and what you drive.

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