Spartanburg Insurance Rates:

Spartanburg, SC home insurance is roughly $680 to $923, about $56-$76/month. Our exhaustive research reveals consumers can save as much as $320 by comparing multiple quotes

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Spartanburg, South Carolina Homeowners Insurance Reviews reveal the good & the bad so that you can compare the cheapest quotes from the best

Spartanburg Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $170/3 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

4 Beds, 4 Baths 1990 sqft Vacation Property Constructed In 1965 with Carpet over wood flooring, Asphalt Shingles Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Divorced Female who is a Freelancer with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $650/8 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $135,000

4 Beds, 4 Baths 1870 sqft Primary Residence Constructed In 2002 with Linoleum, Wood Shake Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Smoke Alarm, Fire Extinguisher, Indoor Sprinklers, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Single Female who is Retired with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $620/9 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $100,000

3 Beds, 3 Bath 1360 sqft Primary Residence Constructed In 1971 with Linoleum, Metal Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Smoke Alarm, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

56 Years old Divorced Male who is Unemployed and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $760/6 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $110,000

4 Beds, 4 Baths 3520 sqft Primary Residence Constructed In 1999 with Wood Flooring, Composition Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Smoke Alarm, Swimming Pool, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Married Female who has a Full Time Job with household income of $50-$75,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Spartanburg, SC Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
29306 $91,000 $790
29302 $141,900 $820
29307 $129,500 $810
29301 $124,300 $810

Spartanburg Rates & Quotes Analysis:

Spartanburg Area Estimated House Insurance
Watkins St, S Gray Beaver Ct, Laurel Bluff, S 687, S 824, Harley Dr, Brisack Rd, S 787, Gerow Ave, Hidden Springs Rd$788
South Carolina Ave, Sawgrass Ct, Henderson St, Foxcross Rd, Pine Ridge Ct, Leah Dr, Pebblebrook Ct, Bradford Dr, Lucille Ct, S 1767$784
Sloans Grove Rd, Longleaf Rd, Usher Ct, E Park Ave, State Rd S-42-4297, State Rd S-42-2275, West St, Keswick Farm Rd, Soft Breezes Ln, State Rd S-42-9740$835
W Lee St, Caulder Ave, Winsmith Ave, Tyler Ct, Splawn Town, Rambling Ridge Dr, Inglewood Ave, Rocking Horse Ln, Frontage Rd, Wells St$794
Vermillian Dr, Woodley Rd, Dewey Ave, Springwood Dr, Caulder Cir, Alpine Trl, W Blackstock Rd, Rip Rap Dr, Strange Ct, Berry Rd$794
Jeff Davis Dr, Danbury Ct, Lynn Rd, Wheeling Cir, Julia St, Mary Ella Dr, Camp St, Edgebrook Ct, S Liberty St, Culdass Ct$800
Brown Rd, Dr O C Kirkland Ter, Alice St, Friar Tuck Rd, Franklin Ave, Parkdale Dr, Blanche Cir, Countryside Cir, Farragut Dr, Woodwind Dr$786
Driftway Pl, Folsom St, Stonecrest Dr, Winsmith Ave, Marrivale Ln, Grant Cir, Mailbu Dr, Exxon Rd, Kearse Ct, French St$786
Hannon Ct, Hale St, Graham Rd, Brandermill Rd, Serpentine Dr, Watson Rd, N Town Dr, S 686, Anderson Dr Exd, Walker St$785
Silverton St, S Summit Crest Ct, Chasander St, Cloverleaf Ln, Loche Adele Dr E, Manning St, N Thompson St, Charlevoix St, S 906, S 88$788

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,829 Homes (15% of total) built between 1980 to 1989 in Spartanburg are paying home insurance between $1,197-$1,209 in contrast with Roebuck (+$10), Boiling Springs (+$11), Fairmont Mills (+$34), Saxon (-$50) and Arcadia (-$43).
  • Bedrooms: 23,251 3 bedrooms homes (45% of total homes ) in Spartanburg are paying about $674. Areas near to Spartanburg such as Glendale, Fairmont Mills, Pauline are costlier by $25, $11, $14 respectively whereas Saxon and Arcadia are more economical by $28, $23 respectively for similar homes.
  • Auto Insurance Bundling: 11,011 Households (41% of all households) in Spartanburg have 2 vehicles available and when it is bundled with home insurance you can save $160. Discounts for similar bundling in close by locations such as Saxon, Arcadia, Spartanburg County come to $153, $154, $160 respectively.
  • Senior Discounts: 13,821 seniors (more than 55 years) occupied housing units (52% of total) in Spartanburg get discounts between $120 to $122 and varies from Saxon ($115), Arcadia ($116), Spartanburg County ($120).
  • New Homes discounts: New homes such as the 19,395 homes built between 2000 to 2009 in Spartanburg can save $160 and similar new home insurance discounts in nearby towns and cities like Saxon, Arcadia and Spartanburg County are $153, $154 and $160 respectively.

Spartanburg Homeowners insurance Facts

  • Spartanburg, SC has 26,444 owner occupied houses which is 59.1% of all units whereas Saxon, Arcadia and Spartanburg County have 49.45%, 46.94% and 69.55% respectively.
  • Spartanburg, SC homeowners yearly insurance price at $802 is 0.69% of the typical house value of $115,800 which is in contrast with 1.69% in Saxon, 1.35% at Arcadia & 0.67% in Spartanburg County.
  • Homeowners in Spartanburg, SC pay 2.92% of their income ($25,000 to $29,999) in insurance whereas homeowners in Saxon, Arcadia and Spartanburg County pay 2.8%, 2.81% and 2.92% respectively.
  • Spartanburg, SC’s insurance is 6.1% of monthly housing costs of $1,095/month, for owners with a mortgage compared to 8.42% in Saxon, 9.6% at Arcadia & 5.97% in Spartanburg County. But, for households without a mortgage, insurance is 21.2% of costs ($315 in Spartanburg, SC) in contrast with 21.01% in Saxon, 29.45% at Arcadia & 22.61% in Spartanburg County.

Spartanburg, SC Home Values & Insurance rates

For example, insurance for 1,002 Homes (3.0% of total homes ) valued between $250,000 to $299,999 in Spartanburg, SC is about $1,900. Rates in nearby areas in such as Spartanburg County, Roebuck, Boiling Springs are cheaper by $54, $226, $248 respectively while Converse and Cowpens are costlier by $396 and $404 respectively for similar homes.

Spartanburg, SC Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 3,142 12.0% $168
$50,000 to $59,999 1,226 4.0% $360
$60,000 to $69,999 1,216 4.0% $449
$70,000 to $79,999 1,317 5.0% $513
$80,000 to $89,999 2,079 8.0% $585
$90,000 to $99,999 1,657 6.0% $657
$100,000 to $124,999 4,101 16.0% $753
$125,000 to $149,999 3,252 12.0% $946
$150,000 to $174,999 2,316 9.0% $1122
$175,000 to $199,999 1,384 5.0% $1291
$200,000 to $249,999 1,488 5.0% $1555
$250,000 to $299,999 1,002 3.0% $1900
$300,000 to $399,999 1,102 4.0% $2422

Renters Insurance in Spartanburg

  • Average Renters Insurance in Spartanburg :  $202($16/month)

  • Median Gross Rent in Spartanburg :  $673

  • Spartanburg Renters Insurance to Median Rent Ratio:  2.38%

  • Average household size of renter-occupied unit :  2.44

Spartanburg Renters Insurance as a Percentage of Rent

Spartanburg Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 636 3.0% $350
$200 to $299 893 5.0% $800
$300 to $499 2,355 13.0% $1250
$500 to $749 6,496 38.0% $1925
$750 to $999 4,279 25.0% $2675
$1,000 to $1,499 1,929 11.0% $3800
$1,500 or more 471 2.0% $5450

Rent Affordability in Spartanburg:

Approximately 48.0% (8,954) of households are spending more than 35% of their income on gross rent in Spartanburg

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,194 11.0%
15.0 to 19.9 percent 1,869 10.0%
20.0 to 24.9 percent 1,992 10.0%
25.0 to 29.9 percent 2,148 11.0%
30.0 to 34.9 percent 1,143 6.0%
35.0 percent or more 8,954 48.0%

Protective device discount in Spartanburg Up to :  $30

Claims-free discount in Spartanburg Up to :  $40