Cheap Auto Insurance in Gaffney, South Carolina

Cheap Auto Insurance in Gaffney, South Carolina

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In our analysis of auto insurance quotes from the top car insurance companies in Gaffney, we found that the cheapest rates were offered by Southern Farm Bureau and State Auto. These insurance companies provided quotes of $1,140 per year for our sample driver, which is 27% cheaper than the citywide average. Since the price of car insurance is determined not just by where you live, but also by your driving record, vehicle and other factors, we recommend that Gaffney drivers compare quotes from multiple insurers before purchasing a policy. Enter your ZIP code above to begin collecting quotes from insurers near you.

Gaffney, South Carolina, Car Insurance Costs

In Gaffney, the average price of car insurance for our profile driver was $1,555 per year. This quote is just 1% more expensive than the state average of $1,539 per year. From the insurance companies we sampled, we found that Southern Farm Bureau and State Auto offered the cheapest rates. Prices between insurers varied by 97%, with the most expensive car insurance company, Safe Auto, offering rates that were $1,104 more expensive than the cheapest insurers. This large difference in rates is why we always recommend that drivers compare car insurance quotes.

Comparing the cost of auto insurance in Gaffney, South Carolina

Gaffney, South Carolina, Auto Insurance Agents

Some drivers prefer to work with an in-person local agent when purchasing auto insurance. An agent can help you determine what you need and manage your policies if you have several forms of insurance. To help you find a local resource, we've compiled a directory of insurance agents and agencies near you in Gaffney, South Carolina.

Name
Address
Phone
Correll Insurance Group Inc.103 N. Johnson St., Gaffney, SC 29340864-489-5788
MacDowell Insurance Agency106 Frederick St., Gaffney, SC 29342864-489-2131
CWS Insurance Agency Inc.111-C Tiffany Park Circle, Gaffney, SC 29341864-489-5757
Watson Insurance Agency Inc.102 Alabama Ave. N., Chesnee, SC 29323-1202864-461-2204
CWS Insurance Agency Inc.2000 E. Main St., Spartanburg, SC 29307864-583-1451
Carolina's Choice Insurance Group858 E. Main St., Spartanburg, SC 29302864-278-6000
Law Insurance Agency Inc.708 E. Main St., Spartanburg, SC 29302864-582-2334
Roger L. Williford Agency Inc. DBA Select Source481 S. Pine St. Suite A, Spartanburg, SC 29302864-585-8318
PC&L Agency Inc.327 N. Pine St., Spartanburg, SC 29304803-573-6997
Brown & Brown of South Carolina103 N. Pine St. Suite A, Spartanburg, SC 29302864-585-8717
CWS Insurance Agency Inc.435 E. Kennedy St., Spartanburg, SC 29302864-583-1451
A&B Insurance Agency LLC1000 N. Pine St., Spartanburg, SC 29303864-582-9131
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Car Insurance Requirements in Gaffney, South Carolina

All drivers in Gaffney are required to carry proof of auto insurance or financial responsibility either with you or in your vehicle. Failure to provide this proof to a police officer may result in a fine of $200 and license and registration suspension.

Drivers in the Palmetto State must have auto insurance policies that meet the state's minimum requirements. In South Carolina, the minimum car requirements are as follows:

  • Bodily injury liability coverage: $25,000 per person / $50,000 per accident
  • Property damage liability coverage: $25,000 per accident
  • Uninsured motorist bodily injury (UMBI) coverage: $25,000 per person / $50,000 per accident

Keep in mind that these are the bare minimum. Liability insurance will provide coverage for damages or injuries if you're considered at fault in a collision. And uninsured motorist insurance will offer you coverage if you're involved in an incident with a driver who doesn't carry sufficient coverage. But, if you want auto insurance that will provide coverage in the event that you're injured or your vehicle is damaged in a wider variety of circumstances, you'll need to add additional coverages to your policy. Comprehensive and collision insurance, for instance, provides protection if your vehicle is stolen or damaged in a nonvehicular collision event, such as if you hit a deer on the road in Gaffney.

Gaffney, South Carolina, Motor Vehicle Theft and Fatality Statistics

In Gaffney, there have been 73 fatal car crashes resulting in 78 total deaths. Car insurance companies set rates based on the frequency of auto claims that result from accidents. Areas with a high frequency of serious auto accidents can expect to pay more for auto insurance than areas with safer roads.

Statistic
Figure
Population12,456
Local auto thefts (2009)27
Local thefts per 1,000 people2.17
State thefts per 1,000 people2.9
Fatal auto accidents73
Auto fatalities78
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Make and model
Fatalities
Accidents
Chevrolet C, K, R, V-series pickup/Silverado25
Ford Bronco (through 1977)/Bronco II/Explorer/Explorer Sport35
Ford F-Series pickup14
Freightliner Medium/Heavy - CBE24
Ford Ranger13
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Roadway
Fatalities
Accidents
I-851513
US-32133
SR-5633
US-2932
US-7422
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Day of week
Fatalities
Accidents
Wednesday1615
Thursday1615
Saturday1111
Friday1010
Monday98
Sunday87
Tuesday87
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Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

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