120+ more*Quotes generated for Insurify users in and around Greenville, North Carolina within the last 10 days. Last updated on October 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Greenville, North Carolina within the last 10 days. Last updated on October 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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9+ years in personal finance writing
Certified Financial Counselor
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications such as Yahoo! Finance, FinanceBuzz, Forbes Advisor, and more. Her work focuses on helping people understand their financial options, including their insurance choices. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated
Greenville drivers pay an average of $76 per month for state-minimum coverage and $114 per month for full-coverage insurance, according to Insurify data. Those rates are a little higher than North Carolina’s average rates.
Approximately 93,000 people live in Greenville’s 35 square miles. Greenville is the 10th-largest city in North Carolina, with a higher population density than the state’s overall rate.[1]
Drivers in Greenville must have car insurance policies that satisfy the state’s minimum coverage requirements.
North Carolina’s laws require drivers to maintain $50,000 in bodily injury liability insurance for one person, $100,000 in bodily injury liability insurance per accident, and $50,000 in personal property damage liability coverage. Policyholders must also have $50,000 per person and $100,000 per accident in uninsured and underinsured motorist coverage.
The cheapest insurer for liability-only coverage that meets the state requirements is Erie, with a monthly rate of $57.
The table below shows the cheapest liability-only rates in Greenville.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $57 |
| Progressive | $66 |
| Allstate | $67 |
| GEICO | $68 |
| Direct Auto | $69 |
| Liberty Mutual | $70 |
| National General | $70 |
| Travelers | $72 |
| Safeco | $75 |
| Dairyland | $80 |
| State Farm | $94 |
Minimum-coverage rates start as low as $57/mo.
The average cost of full-coverage car insurance in Greenville is $114 per month, which is significantly higher than the average rate for liability-only insurance. Full coverage is typically more expensive than minimum coverage since it provides greater financial protection.
The cheapest insurer for full-coverage policies in Greenville is Allstate, with rates averaging $92 per month.
Greenville is at risk of severe weather, including hurricanes and tropical storms, so full-coverage insurance can provide protection for your vehicle if hail or storm debris damages it. And Greenville is part of Pitt County, which is among the worst counties for animal-related collisions in North Carolina.[2]
Full-coverage car insurance includes collision and comprehensive, which can pay to repair your vehicle after storm damage or a collision with a deer. Without full-coverage insurance, you could be on the hook for repair costs.
The table below shows the cheapest full-coverage insurance rates in Greenville.
Insurance Company | Average Monthly Quote |
|---|---|
| Allstate | $92 |
| Erie | $95 |
| Direct Auto | $98 |
| National General | $100 |
| Progressive | $102 |
| Liberty Mutual | $116 |
| GEICO | $117 |
| Travelers | $120 |
| Safeco | $128 |
| State Farm | $156 |
| Dairyland | $177 |
Car insurance rates in Greenville are more expensive than the state average. But compared to Charlotte, the state’s largest city, Greenville is cheaper for car insurance. On average, Charlotte drivers pay $101 per month for coverage.
By contrast, Asheville is the cheapest city for car insurance in North Carolina. Asheville has a lower population density than Greenville, and a much higher percentage of its population is seniors, who tend to drive fewer miles than other age groups.
Rocky Mount, a city about 40 miles northwest of Greenville, generally has cheaper coverage due to its much lower population density.
The table below shows the average auto insurance rates in North Carolina cities.
City | Average Monthly Quote |
|---|---|
| Morrisville | $69 |
| Asheville | $71 |
| Chapel Hill | $72 |
| Burlington | $74 |
| Cary | $77 |
| Wilmington | $77 |
| Jacksonville | $79 |
| Mooresville | $79 |
| Rocky Mount | $79 |
| Durham | $83 |
| Goldsboro | $83 |
| Hickory | $83 |
| Raleigh | $85 |
| Greensboro | $87 |
| Kannapolis | $90 |
| High Point | $93 |
| Wilson | $95 |
| Gastonia | $96 |
| Matthews | $96 |
| Fayetteville | $98 |
| Charlotte | $101 |
| Concord | $104 |
Greenville is more expensive for car insurance than many North Carolina cities because of its weather-related risks from hurricanes, tropical storms, and flooding.[3] With the increased risk of wind- and water-related damage, car insurance rates tend to be higher.
Greenville also has a higher-than-average number of collisions. It had the eighth-most number of collisions in 2024, according to data from the North Carolina Division of Motor Vehicles.
As part of Pitt County, Greenville drivers are also at a higher risk of animal-related collisions. The North Carolina Department of Transportation reported more than 1,800 deer-related collisions between 2022 and 2024.
*Quotes generated for Insurify users in and around Greenville, North Carolina within the last 10 days. Last updated on October 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Greenville, North Carolina within the last 10 days. Last updated on October 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
North Carolina is a tort, or at-fault, state, meaning the person who causes an accident is financially responsible for the injuries and damages they cause. High-risk drivers usually pay much higher rates for coverage, as do teenagers and other new drivers.
Below are the cheapest companies in Greenville based on driving history:
Cheapest car insurance for Greenville drivers with a clean driving record: Erie
Cheapest car insurance for drivers with a speeding ticket in Greenville: Erie
Cheapest car insurance for Greenville drivers with an at-fault accident: Erie
Cheapest car insurance for drivers with a DWI in Greenville: Erie
Greenville drivers have higher-than-usual rates of driving incidents, according to Insurify data.
In Greenville, 6.5% of drivers have a speeding ticket, compared to 4.5% of North Carolina drivers. Similarly, 6% of Greenville drivers have at-fault accidents on their records, compared to 5.8% of North Carolina drivers.
Approximately 0.9% of Greenville drivers have a conviction for driving while intoxicated (DWI). Tickets, accidents, and DWIs can cause you to pay much higher rates for car insurance.
Greenville recorded 124 alcohol-involved crashes in 2024, according to NC Vision Zero.
The table below shows the overall average car insurance rates for Greenville drivers with different driving records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $95 |
| Speeding ticket | $125 |
| At-fault accident | $131 |
| DWI | $239 |
Greenville has rapidly grown over the past few years. Its population grew by about 10% between 2020 and 2025, according to the U.S. Census Bureau. Rapid growth means more vehicles on the road, leading to more traffic congestion.
Downtown Greenville is home to eateries, breweries, and museums, and art lovers from all over come to the area to see the city’s many murals. Parking can be difficult downtown. Residents can qualify for a $16 parking permit that allows them to park on the street (renewed annually).
For visitors, on-street and surface-lot parking is available for free for two hours while downtown. After that, the city charges a parking fee.[4]
Drivers in Greenville have relatively short commutes. On average, workers spend 18.8 minutes commuting to work, which is significantly less than the state average of 25.1 minutes.
Greenville is a college town and home to East Carolina University, which has a student body of nearly 27,000. During football season, students, alumni, and other football fans flood the area around Dowdy-Ficklen Stadium, so expect added traffic and pedestrians.
About 16% of properties in Greenville are at risk of flooding, so drivers need to be aware of the potential for flooded roads, road closures, and water damage to vehicles.
One of the main traffic corridors is Interstate 587, which connects Greenville to I-95. Most accidents occur during rush hour on weekdays, according to NC Vision Zero.
Insurify partners with 120+ top insurance companies
Teen drivers were in about 16% of the city’s total accidents in 2024, according to NC Vision Zero. Insurance can be especially expensive for Greenville teens because North Carolina applies an inexperienced-operator surcharge to drivers with fewer than eight years of driving experience.[5]
The cheapest insurance company for teens in Greenville is Erie, with an average monthly premium of $103 for liability coverage.
The table below shows the lowest car insurance rates for Greenville teen drivers.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $103 |
| Progressive | $119 |
| Allstate | $121 |
| Liberty Mutual | $121 |
| GEICO | $122 |
| Direct Auto | $133 |
| Dairyland | $137 |
| National General | $137 |
| Travelers | $148 |
| Safeco | $152 |
| State Farm | $180 |
Expert’s insight
“We often get questions about how car insurance works for college students. If your child is headed to ECU or any other college, they can usually stay on your car insurance, even if they’re living in a dorm or off campus. Keeping young drivers on the family policy is almost always cheaper than buying them their own coverage.”
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Greenville has a relatively low senior population. Just 11% of its population is 65 or older.
Drivers 65 and older were in 775 collisions in 2024, according to NC Vision Zero. On average, seniors in Greenville pay $101 per month for full coverage and $67 per month for liability-only policies.
Under North Carolina law, seniors 66 or older in Greenville (and other parts of North Carolina) must renew their licenses every five years. Younger drivers have to renew their licenses every eight years.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $44 |
| GEICO | $55 |
| National General | $56 |
| Direct Auto | $57 |
| Travelers | $58 |
| Progressive | $59 |
| Liberty Mutual | $59 |
| Allstate | $59 |
| Safeco | $66 |
| Dairyland | $69 |
| State Farm | $75 |
Comparing multiple car insurance quotes is the best way to find cheap insurance in Greenville. Here’s some information to consider as you shop for car insurance in the city.
Greenville drivers pay an overall average of $95 per month for car insurance. Liability insurance costs an average of $76 per month, while full-coverage policies cost $114 per month, according to Insurify data. Your rates may vary based on your selected coverage, deductible, driving record, and other factors.
The cheapest insurance company in Greenville is Erie. Policyholders pay an average of $57 per month for minimum coverage. For full-coverage policies, the cheapest auto insurer is Allstate, with an average monthly rate of $92.
No one company is best for everyone, but the top Greenville car insurance companies include Direct Auto, National General, and Progressive. You can find the best rates by comparing auto insurance quotes from several companies.
Multiple factors affect car insurance rates in Greenville, including your driving history, ZIP code, vehicle make and model, and your annual mileage. Weather-related risks and crime rates also affect car insurance rates in North Carolina.
You can save money with discounts like good student discounts, multi-policy discounts for combining auto coverage with home insurance or renters insurance, and claims-free discounts if you don’t file a claim for a certain period.
North Carolina introduced new laws in 2025 that raised the minimum car insurance requirements. As of July 1, 2025, new or renewed policies automatically include uninsured motorist coverage.
Insurify data scientists analyzed more than 250 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 500+ 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:
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9+ years in personal finance writing
Certified Financial Counselor
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications such as Yahoo! Finance, FinanceBuzz, Forbes Advisor, and more. Her work focuses on helping people understand their financial options, including their insurance choices. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
