For a 40-year-old driver with a clean record, car insurance in Spartanburg, SC, averages about $186 a month ($2,230 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. The South Carolina average is about the same, at $189 a month. Travelers and Progressive are effectively tied for the lowest full-coverage average among the five major insurers we compared (Allstate, GEICO, Progressive, State Farm and Travelers), at about $159 and $163 a month.
Spartanburg costs about the same to insure as South Carolina as a whole, and a little more than Greenville. Our benchmark driver pays about $186 a month here, compared with $189 statewide and $181 in Greenville.
Our data covers five Spartanburg ZIP codes, and they’re priced close together, from about $184 to $189 a month. Use these averages as a benchmark when you compare car insurance quotes in Spartanburg, SC.
Cost data comes from the auto rates insurers file with state regulators, priced across all five Spartanburg ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
In rates filed as of Aug. 31, 2026, car insurance for a 40-year-old driver with a clean record in Spartanburg, SC, costs about $186 a month ($2,230 a year) for full coverage and $69 a month for liability-only coverage at South Carolina’s 25/50/25 minimum. South Carolina as a whole averages $189 a month, which is roughly the same.
Travelers and Progressive are effectively tied for the lowest full-coverage average among the five insurers in our Spartanburg rate data. The seven published 2026 statewide South Carolina rate studies we reviewed disagree on the cheapest insurer for full coverage, apart from USAA, which sells only to military families: three put American National first, two Auto-Owners and two put other insurers first. For liability-only coverage at 25/50/25 limits, GEICO has the lowest average among these five insurers, at about $51 a month, followed by Progressive at $58.
Full-coverage averages by insurer in Spartanburg
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Travelers | $778 | $65 | $1,902 | $159 |
| Progressive | $697 | $58 | $1,956 | $163 |
| GEICO | $612 | $51 | $1,992 | $166 |
| State Farm | $1,044 | $87 | $2,405 | $200 |
| Allstate | $978 | $82 | $2,894 | $241 |
| American National* | $387 | $32 | $971 | $81 |
| USAA (military families)* | $415 | $35 | $1,396 | $116 |
| Auto-Owners* | $598 | $50 | $1,506 | $126 |
| South Carolina Farm Bureau* | $602 | $50 | $1,621 | $135 |
| Spartanburg average | $822 | $69 | $2,230 | $186 |
This table uses Spartanburg ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the five Spartanburg ZIP codes we price, full coverage for our driver ranges from about $184 a month in 29301 and 29303 to $189 in 29307, a gap of $65 a year.
Lowest-priced Spartanburg ZIP codes
Highest-priced Spartanburg ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Spartanburg’s average.
| ZIP Code: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 29301 | $825 | $69 | $2,207 | $184 | -1% |
| 29302 | $812 | $68 | $2,239 | $187 | +1% |
| 29303 | $820 | $68 | $2,204 | $184 | -1% |
| 29306 | $811 | $68 | $2,229 | $186 | About average |
| 29307 | $839 | $70 | $2,269 | $189 | +2% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $169 a year on average in our Spartanburg data, with the same $500 deductibles. That’s about $14 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the same insurers in the same Spartanburg ZIP codes, full coverage averaged $2,324 a year nine months earlier and $2,230 in rates as of Aug. 31, 2026, a 4.0% drop. State Farm cut its Spartanburg average 16.4%, while Allstate’s, GEICO’s, Progressive’s and Travelers’ averages were unchanged. Liability-only coverage at 25/50/25 limits fell 2.5%, led by State Farm, which cut its liability-only average 9.3%.
Spartanburg County averages $2,183 a year for full coverage in our data, among the less expensive of the 44 South Carolina counties we price. Nearby towns are close: Boiling Springs averages about $180 a month, Inman $179, Woodruff $175 and Gaffney $181.
Travelers and Progressive are effectively tied for the lowest full-coverage average among these five insurers here, at about $159 and $163 a month, with GEICO close behind at $166. GEICO has the lowest liability-only average among these five insurers, about $51 a month. Rates vary within South Carolina because insurers use rating territories approved by the South Carolina Department of Insurance.
More South Carolina cities and towns are in the South Carolina rates by city table, and you can compare states on our car insurance rates by state page.
Greer, about 17 miles west, averages $177 a month, and Greenville, about 27 miles west, $181. Rock Hill, about 51 miles east, averages $181. For the statewide picture, see our guide to South Carolina car insurance rates.
Drivers in Spartanburg follow South Carolina’s rules. Every policy must include at least:
Insurers must also offer underinsured motorist coverage, which is optional, according to the South Carolina Department of Insurance. South Carolina is an at-fault state and doesn’t require personal injury protection. Our South Carolina requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from South Carolina law and the South Carolina Department of Insurance. We refresh these figures when new rate data is released.
Car insurance in Spartanburg, SC, costs about $186 a month ($2,230 a year) for full coverage and $69 a month for liability-only coverage at South Carolina’s 25/50/25 minimum, for a 40-year-old driver with a clean record, in rates filed as of Aug. 31, 2026. That’s about the same as the South Carolina average of $189 a month.
Travelers and Progressive are effectively tied for the lowest full-coverage average among the five major insurers we compared in Spartanburg, at about $159 and $163 a month. GEICO’s average is next, at $166. American National*, which we price from published rate studies, comes in lower, at about $81 a month. For liability-only coverage, GEICO has the lowest average among the five major insurers we compared, at about $51 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
Greenville is cheaper for our benchmark driver: Spartanburg full coverage averages about $186 a month and Greenville about $181, a difference of about $5 a month for the same driver and car.
In our data, 29301 and 29303 share the lowest full-coverage average in Spartanburg, at about $184 a month, and 29307 the highest, at about $189. The ZIP code table on this page lists all five.
In our Spartanburg data, full coverage (100/300/100 with $500 deductibles) averages about $186 a month and liability-only coverage at 25/50/25 limits about $69, a difference of about $117 a month ($1,408 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. South Carolina law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Spartanburg must carry South Carolina’s minimums: $25,000 per person and $50,000 per crash in bodily injury liability, $25,000 in property damage liability (25/50/25) and uninsured motorist coverage at the same limits. Insurers must also offer underinsured motorist coverage, which is optional, and South Carolina doesn’t require personal injury protection.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Spartanburg full coverage fell 4.0% over the past nine months, from about $2,324 to $2,230 a year. State Farm cut its Spartanburg average 16.4%, and the other four insurers’ averages were unchanged. Liability-only coverage at 25/50/25 limits fell 2.5%.
For our benchmark driver, full coverage in Spartanburg averages about $186 a month. Nearby, Greer averages about $177, Greenville about $181 and Rock Hill about $181. Greer, Greenville and Rock Hill are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
