Background in communications for banks and credit unions
Jennifer is a content marketing writer specializing in the financial services and insurance industries. Her areas of expertise include budgeting, building credit, loans, and more.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Drivers in Greenville pay an overall average of $83 per month for car insurance — similar to North Carolina’s average of $79 but lower than the national average of $160 per month.
Greenville is the 12th most populous city in the state.[1] The city’s population and visitor traffic likely contribute to its slightly higher auto insurance rates. Premiums vary from insurer to insurer, so it’s important to compare car insurance quotes from multiple insurers before deciding on a policy.
Quick Facts
Midvale Home & Auto, Erie, and Nationwide are the cheapest car insurance companies for Greenville drivers.
Liability insurance in Greenville costs an average of $62 per month, and full coverage costs $105 per month.
Yearly, Greenville residents pay a total average of $1,002 for car insurance.
3 of the cheapest car insurance companies in Greenville
No single auto insurance company is right for everyone. Each company offers different rates, insurance products, and discounts. The best policy for you depends on your coverage needs, budget, and ability to qualify for coverage.
It’s a good idea to compare companies side by side before buying a policy, rather than just picking the cheapest insurer.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
State Farm
9.3
$103
$67
Students
GEICO
9.0
$72
$47
Commuters
Progressive
8.4
$88
$57
Renters
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$70/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$108/mo
Greenville, North Carolina, is home to East Carolina University, with an enrollment of nearly 29,000 students. State Farm helps students get the protection they need with a selection of standard coverage options and discounts.
The company offers discounts for being a good student, having a student away at school, and completing driver training. And the Steer Clear program for young adults can help students save. State Farm also offers drivers a chance to save up to 30% when they demonstrate safe driving behaviors with its Drive Safe & Save program.
Pros
Fewer-than-expected complaints, according to the National Association of Insurance Commissioner (NAIC)
Above-average J.D. Power customer satisfaction rating in the Southeast region
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$49/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$76/mo
Nearly 88% of Greenville’s commuters drive to work.[2]GEICO has a wide selection of standard coverages, plus multiple add-ons — including emergency roadside service, rental reimbursement, and mechanical breakdown coverage — to help commuters offset repair costs.
The company offers discounts for seat belt use, vehicle safety equipment, driver’s education, and insuring multiple vehicles. Plus, it has accident forgiveness, which can help you save if you get in an accident during your daily commute.
Pros
Fewer-than-expected complaints, according to the NAIC
Many discounts to help you save
Cons
Below-average J.D. Power customer satisfaction in the Southeast region
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.4/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$60/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$92/mo
Nearly 70% of Greenville residents are renters, a group who might find the coverage they need from Progressive.[3] The company offers a multi-policy discount for policyholders who bundle their auto and renters insurance.
Plus, it offers additional ways to save, with various renters insurance discounts and auto insurance discounts for multiple cars, continuous coverage, paperless billing, paying in full, and setting up auto pay.
Pros
Fewer complaints than expected, according to the NAIC
Rewards for good drivers
Cons
Below-average J.d. Power customer satisfaction in the Southeast region
Online rates may be different from rates through an insurance agent
I've been with them for 10 years, but the rates keep going up. I have liability insurance and it costs $78 a month! I'm on social security and I never drive on the highway. I don't go out of town more than 5 miles a day. I hardly drive at all, just for basic stuff like going to the doctor. That's it. I will try to find a cheaper plan. I just feel that the price is unfair in my situation.
Maureen - July 25, 2024
Verified
Expensive for Seniors Who Drive Less Than 4000 Miles/Year
Too expensive.
Audrie - July 25, 2024
Verified
Insurance Review
I had a good experience.
…
How to get the cheapest car insurance in Greenville
Auto insurance companies consider many factors to establish the price of a policy, including age, driving history, location, credit history, vehicle, and more. While you can’t control every factor insurers use to determine rates, you can do a few things to ensure you’re paying only what you have to.
Compare quotes. Shopping around is the best way to ensure you’re not overpaying for auto insurance coverage. Working with an independent agent or using a car insurance comparison site can help you save time and money.
Eliminate unnecessary coverage. You want enough coverage to avoid paying for accident-related expenses out of pocket, but it doesn’t make sense to maintain coverage you don’t need.
Find Cheap Car Insurance in Greenville, NC
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Cheapest liability-only car insurance in Greenville: Midvale Home & Auto
Liability coverage helps protect other people and their property. If you’re at fault in an accident, your liability coverage kicks in to pay the medical bills of other drivers and passengers involved. It also pays to repair their vehicle(s) and other damaged property. But it doesn’t cover your medical bills, and it won’t pay for repairs to your car.
Liability insurance in Greenville costs an average of $62 per month. The table below outlines the cheapest liability-only policies for drivers in Greenville.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Midvale Home & Auto
$36
Erie
$43
Nationwide
$43
GEICO
$49
Liberty Mutual
$53
Travelers
$55
Direct Auto
$56
Safeco
$56
Dairyland
$57
Allstate
$59
Progressive
$60
National General
$67
State Farm
$70
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Greenville: Erie
Full-coverage car insurance offers more protection than a liability-only policy. In addition to liability coverage, it includes comprehensive and collision, which pays to repair your vehicle. Comprehensive insurance covers repairs from non-accident-related damage, such as theft, vandalism, and severe weather. Collision insurance covers damage from a crash with another car or object.
Greenville drivers pay a monthly average of $105 for full coverage. Here’s a look at the cheapest full-coverage car insurance quotes in Greenville.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Erie
$66
Nationwide
$66
Midvale Home & Auto
$72
GEICO
$76
Travelers
$83
Allstate
$90
Progressive
$92
State Farm
$108
Direct Auto
$112
Safeco
$120
National General
$122
Liberty Mutual
$192
Dairyland
$269
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in North Carolina
North Carolina is an at-fault state for car insurance, meaning that if you’re at fault in an auto accident, you can be held liable for injuries and property damage.[4] If you have auto insurance, the insurance company will cover your liability up to the policy limit.
The state requires drivers in North Carolina to maintain certain minimum amounts of uninsured/underinsured motorist (UI/UIM) coverage, bodily injury liability coverage, and property damage liability coverage, as shown in the table below.[5]
Coverage
Minimum Requirements
Bodily injury liability and UI/UIM bodily injury
$30,000 per person / $60,000 per accident
Property damage liability and UI/UIM property damage
$25,000 per accident
While liability and uninsured/underinsured motorist are the only coverages the state requires, other coverage can provide additional protection.
Collision coverage
Collision insurance pays for damage to your vehicle if you’re in a crash with another car or stationary object, such as a telephone pole.
Comprehensive coverage
Comprehensive insurance pays for repairs if your vehicle sustains damage from a non-accident incident, such as vandalism, severe weather, falling objects, and more.
Gap insurance pays off your auto loan or lease if your vehicle is totaled and you owe more than it’s worth.
Rental reimbursement coverage
This covers the cost of a rental car while yours is being repaired.
North Carolina Safe Driver Incentive Plan
The North Carolina Safe Driver Incentive Plan imposes financial penalties for unsafe driving behaviors ranging from speeding to driving under the influence of alcohol. Each behavior is assigned a point value and a mandatory increase in your insurance premium. The amount your premium increases varies based on the severity of the offense.[6]
Cheapest car insurance for drivers with an incident
For example, under the North Carolina Safe Driver Incentive Plan, insurance rates increase by 40% if you’re caught going 10 MPH or less over the speed limit in a 55 MPH zone. You can expect to pay 260% more if you participate in highway racing.[6]
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Cheapest car insurance for drivers with a speeding ticket
In North Carolina, your premium will increase by 40% to 90% after receiving a speeding ticket, depending on the speed limit and how far above it you were driving.[6] Insurers raise rates on policyholders who speed because they view them as higher-risk drivers who are more likely to cause an accident and file a claim.
Greenville drivers with speeding tickets face an average monthly rate of $164 for full coverage and $97 for a liability-only policy. See how auto insurance rates for drivers with a speeding ticket compare to rates for people with a clean driving record.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Midvale Home & Auto
$36
$51
Erie
$43
$60
Nationwide
$43
$59
GEICO
$49
$67
Liberty Mutual
$53
$79
Travelers
$55
$76
Direct Auto
$56
$77
Safeco
$56
$78
Dairyland
$57
$78
Allstate
$59
$81
Progressive
$60
$82
National General
$67
$91
State Farm
$70
$95
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
Every time you file a claim, it costs the insurance company money. If you’re at fault in an accident, your insurance company is on the hook for covering bills from injuries and property damage. They increase your insurance rates to help cover their losses and manage their risk going forward.
An at-fault accident can bump Greenville drivers’ rates to an average of $101 per month for liability coverage and $171 for full coverage. The data below outlines the average cost of auto insurance if you have an accident on your driving record.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Midvale Home & Auto
$36
$55
Erie
$43
$63
Nationwide
$43
$62
GEICO
$49
$71
Liberty Mutual
$53
$83
Travelers
$55
$80
Direct Auto
$56
$82
Safeco
$56
$78
Dairyland
$57
$82
Allstate
$59
$85
Progressive
$60
$88
National General
$67
$97
State Farm
$70
$100
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
If you get a DUI in North Carolina, your insurance rates will more than triple, and some insurers may cancel your coverage altogether.[6] Insurance companies consider drivers with a DUI on their record as high-risk and increase their rates to reflect that.
Greenville drivers with a DUI on their record pay an overall average of $153 per month for car insurance. The table below highlights affordable insurers in the city for drivers with DUIs.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Midvale Home & Auto
$36
$64
Erie
$43
$76
Nationwide
$43
$76
GEICO
$49
$86
Liberty Mutual
$53
$94
Travelers
$55
$97
Direct Auto
$56
$99
Safeco
$56
$99
Dairyland
$57
$101
Allstate
$59
$104
Progressive
$60
$106
National General
$67
$118
State Farm
$70
$124
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors
Insurance rates tend to decrease as drivers get more experience behind the wheel. Drivers with a clean record often experience rate decreases as they get older, and rates typically continue declining slowly until you hit retirement age. Then, around 70, rates typically start creeping up again.
Senior drivers in Greenville pay an overall average of $68 per month for car insurance. The table below shows some cheap auto insurance companies for seniors in Greenville.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
Erie
$49
$32
Nationwide
$49
$32
Midvale Home & Auto
$55
$28
GEICO
$61
$39
Travelers
$65
$43
Progressive
$66
$43
Allstate
$72
$47
State Farm
$84
$54
Direct Auto
$87
$43
National General
$95
$52
Safeco
$98
$46
Liberty Mutual
$155
$43
Dairyland
$215
$46
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens
Teenagers pay more for car insurance than most other age groups. Because teens have little driving experience, they’re more likely to get in an accident.[7]
To help offset this risk, insurance companies charge teens higher rates. Teen drivers in Greenville pay an overall average of $133 per month for car insurance.
While no one can change their age, teens can do some things to get the best rate possible:
Stay on their parents’ policy. Adding a teen to an existing policy is almost always cheaper than purchasing a separate one.
Drive a safe car. Cars that have vehicle safety features and higher safety ratings typically cost less to insure.
Put safety first. Some insurance companies offer discounts to teens who take a driver safety course.
Take schoolwork seriously. Some insurers offer a good student discount to teens who maintain a specific GPA.
The table below shows some of the cheapest monthly car insurance quotes for teens and young drivers in Greenville.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
Erie
$105
$68
Nationwide
$107
$70
GEICO
$113
$73
Midvale Home & Auto
$117
$59
Travelers
$142
$94
Allstate
$149
$98
Progressive
$157
$103
State Farm
$173
$112
Direct Auto
$193
$97
National General
$224
$123
Safeco
$237
$111
Liberty Mutual
$335
$92
Dairyland
$423
$90
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Greenville car insurance quotes by credit tier
Auto insurers in the Greenville community may consider your credit history when determining your car insurance premium.[8] Credit-based insurance scores help insurance companies estimate their losses by predicting the likelihood that someone will file a claim.
Policyholders with excellent or good credit are less likely to file a claim. As a result, they typically qualify for lower rates than policyholders with poor credit. The table below shows average quotes for drivers by credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Greenville?
Greenville drivers pay an average of $83 per month for car insurance, less than the national average. But it’s on the higher end when it comes to North Carolina cities.
Prices vary widely across North Carolina, where auto insurance premiums in Asheville and Jacksonville are much lower than in Greenville, and rates in Chapel Hill are much higher.
More cities in North Carolina
On average, Greenville drivers pay more for auto insurance than drivers in many other North Carolina cities. Prices vary widely across North Carolina and vary based on things like ZIP codes, theft rates, vandalism, weather-related damage, and accidents.[9]
The table below shows how Greenville’s rates stack up against other cities in the state.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Greenville car insurance FAQs
Finding the right car insurance can be difficult. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Greenville.
How much is car insurance in Greenville, North Carolina?
On average, car insurance in Greenville costs $105 per month for full coverage and $62 for liability-only insurance. Your premium will depend on factors like your location, driving record, age, gender, and credit history.
Which company has the cheapest car insurance in Greenville?
Midvale Home & Auto offers the cheapest car insurance rates in Greenville, starting at $36 per month for liability-only coverage. Greenville drivers can also find cheap rates from Erie and Nationwide, which have monthly liability rates as low as $43 and $43, respectively.
What are the best car insurance companies in Greenville?
Many reliable insurers offer coverage in Greenville, but Progressive, State Farm, and GEICO stand out as the best car insurance companies. They all have IQ Scores above 4.0 (out of 5), strong ratings from AM Best and J.D. Power, and affordable premiums.
How much is car insurance per month in North Carolina?
Car insurance in North Carolina costs an average of $79 per month. Drivers pay $56 per month for liability coverage and $101 per month for full coverage.
What is the bare-minimum car insurance in North Carolina?
All North Carolina drivers must carry $30,000 per person and $60,000 per accident in bodily injury liability coverage, along with $25,000 per accident in property damage liability coverage. They must also carry these same limits in uninsured/underinsured motorist coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Jennifer Brozic is a content marketing writer, specializing in the financial services and insurance industries. She's committed to helping her clients create content that inspires people to take action. Her areas of expertise include insurance, financial planning & budgeting, building credit, loans, credit cards and more.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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