Where can I get cheap car insurance in Spartanburg?

“Cheap” car insurance usually means balancing discounts, coverage choices, and good driving habits. As an independent Spartanburg insurance agency, we compare quotes from multiple carriers, look for all the discounts you qualify for, and help you avoid cutting important coverage just to save a few dollars.

What auto insurance is required in SC?

South Carolina requires drivers to carry at least liability and uninsured motorist coverage at specific minimum limits (often written as 25/50/25), though you can—and often should—choose higher limits for better protection. We’ll explain how the state minimums work and recommend coverage that fits your situation and budget.

Can I get auto insurance without a driver’s license in South Carolina?

In some situations, companies may insure a vehicle even if the titled owner doesn’t have an active license, such as when listing other licensed drivers or using an excluded driver form. Every case is different, so the best step is to talk with a local agent who can review carrier rules and help you choose a safe, legal path forward.

What factors affect car insurance rates in Spartanburg?

Rates are influenced by things like your driving history, age, vehicle type, annual mileage, where you live and park in the Spartanburg area, your chosen coverages and deductibles, and your prior insurance history. We’ll walk through each factor and help you understand how to keep your premium as low as reasonably possible.

How do I file an auto insurance claim with Select Source?

If you’re in an accident or experience a loss, start by making sure everyone is safe and calling emergency services if needed. Then contact our office so we can review your coverage, explain your deductible, and help you decide whether to file a claim. We’ll connect you with your carrier’s claims department, help you understand what they’re asking for, and stay in touch until the claim is resolved. If there is a police accident report, we will help you report that as required to the SC DMV.

Auto Insurance in Spartanburg, SC and Surrounding Communities

Affordable car insurance from a local, independent agency that compares multiple companies to keep Spartanburg drivers protected and on budget.

Whether you’re commuting across Spartanburg, running errands in Boiling Springs, or heading out on I-85, the right auto insurance helps protect your car, your savings, and everyone riding with you. Select Source Insurance is an independent agency in Spartanburg, SC that compares quotes from multiple carriers to find coverage that fits your life and your budget. From state-minimum liability to full coverage auto policies, we help you understand your options in plain language. “Full coverage”, while not a formal policy, defined term, or actual coverage, is better described as a package that includes liability, collision, and comprehensive coverage, plus optional extras—though there’s no single official definition. The term is frequently used by insureds and we’ll spell out exactly what’s included so you know what you’re paying for.

If you’re searching for reliable auto insurance in Spartanburg or the Upstate, you’ll find clear answers and neighborly service here.

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Client Testimonials

“Aaron was wonderful. He made the process of getting new home owners insurance painless for me. He also told me I was paying too much for auto insurance. He came through with bundling home and auto. We now pay half of what we used to on auto insurance.”

Trisha M.

“I’ve had a great experience with Select Source Group. Their customer service is prompt, friendly, and always willing to answer questions in detail. The policy options are comprehensive and competitively priced, giving me peace of mind knowing I’m well covered . I highly recommend them for anyone looking for reliable insurance coverage.”

Jax

“Recently signed on with Select Source Insurance Group. The process was flawless. Chandler walked me through all the steps, and explained my homeowners and auto coverage in detail. As I’m leaving Florida and moving to S Carolina, I had a number of questions; all clearly answered.”

Rosemary K.

“I'm so glad that I was able to find Select Source for my family's insurance needs. Doug and Chandler were able to assist us with obtaining auto insurance at a great price, especially for SC! They are all so friendly and personable as well. I would highly recommend working with this family-owned business.”

Isaan A.

A Smarter Way to Insure Your Drive

Auto insurance can feel confusing, especially when you’re trying to balance cost with the coverage you actually need. Our Spartanburg team takes time to explain each option, from basic liability to full coverage and add-ons like roadside assistance. “Full coverage”, while not a formal policy, defined term, or actual coverage, is better described as a package that includes liability, collision, and comprehensive coverage, plus optional extras—though there’s no single official definition. The term is frequently used by insureds and we’ll spell out exactly what’s included so you know what you’re paying for.

Because we’re independent, we can compare multiple car insurance companies instead of pushing just one brand. The result is a vehicle insurance plan tailored to how you drive, whether you’re in Spartanburg, Boiling Springs, Inman, Chesnee, Duncan, or Lyman.

Requirements for Auto Insurance in South Carolina

What Auto Insurance Is Required in South Carolina?

South Carolina law requires drivers to carry at least liability and uninsured motorist coverage to drive legally. Minimum limits typically start around $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage, along with matching uninsured motorist coverage, though exact requirements can change over time.

Key points we’ll walk through with you:

The difference between liability, uninsured motorist, and optional coverages
Why many Spartanburg drivers choose limits above the state minimums for better protection
How your lender’s requirements may differ from the legal minimum if you have a loan or lease

We’ll review your current policy, explain where you stand versus South Carolina’s requirements, and help you choose coverage that fits your comfort level—not just the bare minimum.

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Auto Coverage Options Explained in Plain Language

A good auto policy is more than just “full coverage.” “Full coverage”, while not a formal policy, defined term, or actual coverage, is better described as a package that includes liability, collision, and comprehensive coverage, plus optional extras—though there’s no single official definition. The term is frequently used by insureds and we’ll spell out exactly what’s included so you know what you’re paying for.

We help you mix and match options so you’re protected for the risks you care about most.

Common coverage types we’ll discuss together:

Liability car insurance
Helps pay for injuries or property damage you cause to others in an at-fault accident. This is the foundation of every policy and what the state requires.
Collision coverage
Helps repair or replace your vehicle if it’s damaged in a collision with another vehicle or object, regardless of who is at fault, minus your deductible.
Comprehensive coverage
Helps with non-collision losses like theft, vandalism, hail, falling objects, fire, or hitting an animal—important for weather and deer claims in South Carolina. Comprehensive coverage also provides no deductible safety glass coverage in South Carolina.
Uninsured / underinsured motorist coverage
Helps protect you and your passengers if you’re hit by a driver who has no insurance or not enough insurance, which is especially important in an at-fault state like South Carolina.
Medical payments (MedPay) or similar options
Can help pay medical expenses for you and your passengers after an accident, regardless of fault, up to your chosen limit.
Optional extras
Towing and roadside assistance, rental reimbursement, gap coverage, and more—each can be added based on your needs and budget.

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How to Get Affordable Car Insurance in Spartanburg and the Upstate

Instead of chasing the lowest price online, we focus on maximizing value: solid protection with a payment you can live with.

Ways we help reduce your auto insurance cost:

Bundling home and auto with the same carrier when it makes sense
Choosing deductibles that balance upfront savings with out-of-pocket risk
Reviewing safe-driver, claims-free, good student, and multi-vehicle discounts
Checking your coverage at renewal instead of letting it auto-renew without a review
Exploring telematics or usage-based programs for qualifying drivers

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Coverage for the Way You Actually Drive

You’re not just driving from Point A to Point B. Real life includes carpools, side gigs, road trips, and borrowed cars—and your policy should keep up.

Insurance Considerations for Uber & Lyft Drivers
If you drive for Uber, Lyft, or another rideshare platform, your personal auto policy may not fully cover you while the app is on. We’ll walk you through how your rideshare company’s coverage works, where gaps may exist, and whether a rideshare endorsement or commercial coverage is appropriate for your situation.
Renting Cars and Borrowing Vehicles
Not sure what happens when you rent a car on vacation or borrow a friend’s truck for a move? We’ll explain how your existing coverage applies, when the rental company’s protection might make sense, and what exclusions to watch for before you sign.
New Drivers and Teen Drivers
Spartanburg families often come to us when a teenager gets a license or a college student takes a car to campus. We help you add young drivers the right way, adjust coverage, and explore discounts that reward good grades and safe driving habits.
Driving Without a South Carolina License
Every situation is different, but questions about getting auto insurance without a driver’s license in South Carolina come up often—especially for households with multiple drivers. We’ll review your circumstances, explain what’s possible with local carriers, and help you make a safe, legal plan.

Ask a Coverage Question

Where can I get cheap car insurance in Spartanburg?
“Cheap” car insurance usually means balancing discounts, coverage choices, and good driving habits. As an independent Spartanburg insurance agency, we compare quotes from multiple carriers, look for all the discounts you qualify for, and help you avoid cutting important coverage just to save a few dollars.
What auto insurance is required in SC?
South Carolina requires drivers to carry at least liability and uninsured motorist coverage at specific minimum limits (often written as 25/50/25), though you can—and often should—choose higher limits for better protection. We’ll explain how the state minimums work and recommend coverage that fits your situation and budget.
Can I get auto insurance without a driver’s license in South Carolina?
In some situations, companies may insure a vehicle even if the titled owner doesn’t have an active license, such as when listing other licensed drivers or using an excluded driver form. Every case is different, so the best step is to talk with a local agent who can review carrier rules and help you choose a safe, legal path forward.
What factors affect car insurance rates in Spartanburg?
Rates are influenced by things like your driving history, age, vehicle type, annual mileage, where you live and park in the Spartanburg area, your chosen coverages and deductibles, and your prior insurance history. We’ll walk through each factor and help you understand how to keep your premium as low as reasonably possible.
What’s the difference between liability and full coverage auto insurance?
Liability insurance helps pay for injuries and property damage you cause others in a covered accident. “Full coverage”, while not a formal policy, defined term, or actual coverage, is better described as a package that includes liability, collision, and comprehensive coverage, plus optional extras—though there’s no single official definition. The term is frequently used by insureds and we’ll spell out exactly what’s included so you know what you’re paying for.
How do I file an auto insurance claim with Select Source?
If you’re in an accident or experience a loss, start by making sure everyone is safe and calling emergency services if needed. Then contact our office so we can review your coverage, explain your deductible, and help you decide whether to file a claim. We’ll connect you with your carrier’s claims department, help you understand what they’re asking for, and stay in touch until the claim is resolved. If there is a police accident report, we will help you report that as required to the SC DMV.

Ready to Get an Auto Insurance Quote in South Carolina?

Whether you need basic liability, or a full coverage auto policy, in South Carolina, we’re here to make the process simple. Tell us a little about your vehicle and driving history, and we’ll compare auto insurance quotes in Spartanburg and surrounding communities from multiple carriers so you can choose with confidence. “Full coverage”, while not a formal policy, defined term, or actual coverage, is better described as a package that includes liability, collision, and comprehensive coverage, plus optional extras—though there’s no single official definition. The term is frequently used by insureds and we’ll spell out exactly what’s included so you know what you’re paying for.

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