Cheap Auto Insurance in Gaffney, South Carolina

Cheap Auto Insurance in Gaffney, South Carolina

Find Cheap Auto Insurance Quotes in Gaffney, SC

Currently insured?

Geico has the best rates for minimum-coverage auto insurance in Gaffney, SC, according to our analysis. The insurer’s rates are $314 cheaper per year than the City's average overall.

Minimum-coverage auto insurance costs an average $855 a year in Gaffney. That's still 9% cheaper than the overall rates in South Carolina, a state that tends to have high prices for basic coverage.

Gaffney sits around 20 miles outside the edge of the Greenville-Spartanburg metro area, on a freeway that serves as a main route to Charlotte. As insurance can be expensive in the Palmetto State, you can find savings by shopping around and seeing how key factors affect your rates.

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Full-coverage rates ranged by more than $1,300, depending on the insurer. Minimum-coverage rates could more than double, depending on the company you choose.


Cheapest auto insurance in Gaffney: Geico

The cheapest auto insurance quotes in Gaffney are offered by Geico and State Farm. Their annual rates of $541 and $546, respectively, are at least 36% less than the city average.

Allstate, at $759 per year, and Farm Bureau, at $767 per year, were the next-best options in Gaffney.

The cheapest rates overall came from USAA, but it is only available to current and former military members, as well as some of their family members. USAA's rate in Gaffney is $452 per year.

The graph shows which companies are the cheapest for car insurance in Gaffney South Carolina

Find Cheap Auto Insurance Quotes in Gaffney

Currently insured?

It might seem worth the savings to go with a minimum-liability policy. However, it will not protect your vehicle, so you will have to pay for any damage to your vehicle if you are at fault in an accident.

icon of car

We recommend drivers with new or expensive vehicles invest in additional coverage or a full-coverage policy.

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Rank
Company
Average annual rate
1Geico$541
2State Farm$546
3Allstate$759
4Farm Bureau$767
5Progressive$867
6Auto-Owners$1,193
7Travelers$1,194
8Nationwide$1,374
N/AUSAA$452

Cheapest full-coverage car insurance in Gaffney: Geico

Geico, State Farm and Auto-Owners offer Gaffney's cheapest rates for full-coverage insurance. All had annual rates of less than $1,800.

Auto-Owners had the smallest jump from minimum coverage to full coverage. The difference was $600, an increase from $1,193 to $1,793.

Rank
Company
Average annual rate
1Geico$1,412
2State Farm$1,555
3Auto-Owners$1,793
4Farm Bureau$1,914
5Nationwide$2,061
6Travelers$2,434
7Progressive$2,531
8Allstate$2,805
N/A*USAA$1,265

*USAA is only available to current and former military members and their families.

A full-coverage policy may cost more than three times as much as minimum coverage. Full coverage includes comprehensive and collision coverages, plus higher liability limits than the state-minimum requirements.

Comprehensive

Protects against damage caused by circumstances out of your control, including storms, vandalism and falling, as well as "acts of God."

Collision

Protects you in cases where you crash your car into another object, or your car flips over or is driven into a ditch.

If your car is less than 10 years old or is worth more than $3,000, we recommend that you get a full-coverage policy. Comprehensive coverage protects in situations that are unpredictable and out of your control, while collision covers some of the most common ways your vehicle can be damaged.

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Cheap car insurance for drivers with prior incidents

In Gaffney, and just about anywhere else, incidents on your driving record such as a speeding ticket, DUI or accident may raise your rates considerably.

We found the cheapest car insurance for Gaffney drivers who have:

Cheapest car insurance in Gaffney after an accident: State Farm

The best insurer for full-coverage rates after an at-fault accident is State Farm, which came in $184 cheaper per year than Geico.

State Farm's average rate after an accident was $1,877, an increase of $322 from the rate with a clean record. In Gaffney, an accident raises rates 46%, on average.

Rank
Company
Rate before accident
Rate after accident
Difference
1State Farm$1,555$1,877$322
2Geico$1,412$2,061$649
3Farm Bureau$1,914$2,438$524
4Auto-Owners$1,793$2,685$892
5Travelers$2,434$2,986$552
6Nationwide$2,061$3,033$972
7Progressive$2,531$3,984$1,453
8Allstate$2,805$5,152$2,347
N/A*USAA$1,265$1,806$541

*USAA is not ranked because only military members (current and former) and their families are eligible.

In South Carolina, the average rate increase for an accident is 46%, so Gaffney is right in line with that.


Cheapest car insurance for drivers with a speeding ticket: Geico

The best rates for full-coverage insurance after a speeding ticket in Gaffney are from Geico, which was 41% cheaper than the city average.

Geico's average rate was $1,412 per year. State Farm was second, at $1,684, followed by Auto-Owners, at $2,127.

The city’s average annual rate was $2,378. Speeding tickets raised the average premium by 20%, an increase of $404.

Rank
Company
Average annual rate
1Geico$1,412
2State Farm$1,684
3Auto-Owners$2,127
4Farm Bureau$2,242
5Nationwide$2,463
6Travelers$2,672
7Progressive$3,198
8Allstate$4,049
N/AUSAA$1,560

Cheapest car insurance for drivers with a DUI: State Farm

A DUI raises full-coverage insurance rates for a Gaffney driver by 57% on average, or $1,133 per year. The best rates in the city came from State Farm and Farm Bureau, at $1,684 and $2,242, respectively.

State Farm raises rates by only 8% after a DUI. Farm Bureau raises them 17%.

Rank
Company
Average annual rate
1State Farm$1,684
2Farm Bureau$2,242
3Progressive$3,080
4Travelers$3,152
5Geico$3,435
6Nationwide$3,788
7Auto-Owners$3,963
8Allstate$4,286
N/AUSAA$2,333

Cheapest car insurance for drivers with poor credit: Geico

Geico and State Farm have the lowest insurance rates for drivers with poor credit in Gaffney. Each charged less than $2,400 per year for annual coverage.

Poor credit increases rates by 61%, on average, in Gaffney. Nationwide had the smallest increase, 26%.

The average rate for Geico was $2,095, which was a few hundred dollars cheaper than State Farm, at $2,350, and Travelers, at $2,366. Overall, Gaffney drivers with bad credit paid an average of $2,703 per year.

Bad credit raised insurance prices more than a DUI or a speeding ticket in Gaffney.

Rank
Company
Average annual rate
1Geico$2,095
2State Farm$2,350
3Travelers$2,366
4Farm Bureau$2,760
5Allstate$2,805
6Nationwide$2,849
7Auto-Owners$2,977
8Progressive$3,747
N/AUSAA$2,379

Cheapest car insurance for young drivers: State Farm

Insurers consider teens and young adults riskier to insure because they are more likely to be involved in accidents. That usually means they pay higher auto insurance rates than older drivers in almost every situation.

For the average 18-year-old driver in Gaffney, the most affordable insurance companies are Farm Bureau and Geico, which offer rates of less than $4,000 per year.

Farm Bureau's price was $3,473 per year, $471 less than Geico and $1,071 less than State Farm.

Insurance for young drivers is expensive in almost every context, so you should get quotes from multiple insurers to get the best rates.

Rank
Insurer
Average annual rate
1Farm Bureau$3,473
2Geico$3,944
3State Farm$4,544
4Travelers$6,471
5Allstate$6,499
6Auto-Owners$7,217
7Nationwide$7,393
8Progressive$10,834
N/A*USAA$4,756

*USAA is not ranked because only military members (current and former) and their families are eligible.

If you are looking for other ways to keep car insurance costs down, here are two options:

  1. Ask about discounts.
  2. Talk to your parents about joining their policy.

Many insurers have discounts targeted at young drivers, such as good student discounts. And staying on a combined policy with family members in almost every case is cheaper than having different policies.


Car insurance companies with the best customer service in South Carolina

The top insurance companies not only have affordable prices, but also quality customer service, such as fast processing times for claims and 24/7 customer support. The insurers with the best customer service in South Carolina, according to a survey conducted by ValuePenguin, are:

USAA is only available to members of the military, veterans and certain family members.

Overall rank
Group
Respondents overall extremely satisfied with most recent claim
Respondents who rated customer service as "excellent"
1Auto-Owners100%67%
2USAA78%62%
3Nationwide78%53%
4State Farm73%46%
5Allstate72%47%
6Progressive74%34%
7Geico64%42%
8Travelers63%33%

Overall rank takes both overall satisfaction and customer service rankings into account.


Auto theft statistics in Gaffney

Gaffney is far from the largest city in South Carolina, but it has a relatively high rate of car thefts per 10,000 residents. Among 37 cities of 10,000 or more residents in the state, Gaffney had the 12th-highest rate, at 39.1 thefts per 10,000 residents in 2019.

North Charleston had the highest rate of thefts and the most total, at 965, followed by Cayce, a suburb of South Carolina’s capital, Columbia. Tega Cay, S.C., a lakeside town south of Charlotte, NC, had the lowest rate in the state.

Rank
City
Population
Car thefts
Thefts per 10,000
1North Charleston115,31296583.7
2Cayce14,2119667.6
3Columbia133,79089566.9
4Myrtle Beach34,86022865.4
5West Columbia17,98610759.5
Show All Rows

Motor vehicle theft data was pulled from the FBI 2019 South Carolina crime report.

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colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E67.6\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EColumbia\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E133,790\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E895\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E66.9\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EMyrtle Beach\u003C\/td\u003E\u003Ctd colSpan=\"1\" 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Myrtle Beach\",\"16,942\",\"97\",\"57.3\"],[\"7\",\"Clemson\",\"17,547\",\"100\",\"57.0\"],[\"8\",\"Florence\",\"37,640\",\"199\",\"52.9\"],[\"9\",\"Spartanburg\",\"37,754\",\"171\",\"45.3\"],[\"10\",\"Forest Acres\",\"10,320\",\"42\",\"40.7\"],[\"\\u003Cstrong\\u003E11\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003EGaffney\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E12,528\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E49\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E39.1\\u003C\\\/strong\\u003E\"],[\"12\",\"Charleston\",\"138,254\",\"497\",\"35.9\"],[\"13\",\"Aiken\",\"30,922\",\"98\",\"31.7\"],[\"14\",\"Greenville\",\"69,830\",\"217\",\"31.1\"],[\"15\",\"Easley\",\"21,390\",\"60\",\"28.1\"]],\"footnote\":\"Motor vehicle theft data was pulled from the FBI 2019 South Carolina crime 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Methodology

Insurance quotes were collected from nine of the largest insurers in South Carolina. The sample driver is a 30-year-old man with average credit. He drives a 2015 Honda Civic EX. Rates are for a full-coverage policy unless otherwise noted.

Rate data was collected with Quadrant Information Services, which uses publicly sourced insurer filings. Your rates will likely differ, so this article should be used for comparative purposes only.

Sources: FBI 2019 South Carolina crime report

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.