Cheapest Auto Insurance in Greenville, South Carolina (2024)
USAA offers the cheapest coverage in Greenville, with a liability rate of $46 per month.
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Written byJanet Berry-Johnson
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8+ years writing about insurance, taxes, and personal finance
Certified public accountant
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Reviewed byDaniel Roccato
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Updated October 29, 2024
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Table of contents
Greenville, South Carolina, drivers pay an average of $165 per month for liability insurance, compared to the statewide average of $168 and the nationwide average of $104 per month.
Roughly 80% of Greenville residents drive alone to commute to their jobs, and traffic volume has increased substantially in recent years.[1] These factors are at least partly to blame for the higher-than-average car insurance rates in Greenville.
Understanding the factors that influence car insurance rates and shopping around for coverage options from multiple insurers can help you find affordable car insurance in Greenville.
Quick Facts
USAA, Auto-Owners, and State Farm have the cheapest liability insurance in Greenville.
The average monthly cost of full-coverage insurance is $211 in the U.S., $281 in South Carolina, and $249 in Greenville.
South Carolina drivers must carry uninsured motorist coverage with a $200 deductible.[2]
3 of the cheapest car insurance companies in Greenville
Your best option for cheap car insurance depends on your unique needs, driving history, vehicle, and more. While the cheapest option may be appealing, you also need to make sure it provides the right coverage.
The table below highlights three of the cheapest car insurance companies in Greenville. The quotes provided below reflect average statewide costs in South Carolina.
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 ▲▼ |
|---|---|---|---|---|
| USAA | 9.4 | $90 | $51 | Veterans |
| State Farm | 9.3 | $100 | $57 | Customer service |
| Auto-Owners | 8.5 | $97 | $55 | Cheap rates |
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.
Best insurer for veterans: USAA
| User Reviews | 4.9 |
|---|---|
| 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. | 9.4 /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. | $46/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. | $81/mo |
4.9
Best choiceBased on 1573 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (897)
Kent
October 29, 2024
Verified Review
Excellent
The insurance is a bit high.
Dorothy
October 29, 2024
Verified Review
Significant Increase in Policy Payment
Be cautious not to have an accident, as my policy payment increased by $300 a month.
Martin
October 29, 2024
Verified Review
My Opinion
They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
South Carolina has the eighth-highest military retiree population in the U.S., and USAA offers insurance and other financial products for veterans, military members, and their families.
Pros
Offers bundling discounts
Highly rated mobile app
Cons
Only available to active military, veterans, and their families
Doesn’t offer motorcycle insurance or coverage for ATVs, RVs, boats, or personal watercraft
Best insurer for customer service: State Farm
| User Reviews | 4.2 |
|---|---|
| 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. | 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. | $52/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. | $90/mo |
4.2
Best choiceBased on 8831 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,847)
Jannie
October 29, 2024
Verified Review
Good
The insurance is higher than other companies' policies.
Marsha
October 29, 2024
Verified Review
Friendly agents!
Check out their prices!
Linda
October 29, 2024
Verified Review
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Available nationwide, State Farm provides personalized service through its large network of agents. This makes it a great choice for Greenville residents who prefer face-to-face interactions over working with a call center.
Pros
Multiple discounts available to lower your premiums
25 agents in the Greenville area provide accessible, personalized service
Cons
Higher premiums than some competitors — especially after an incident
Customer service can depend on the local insurance agency
Best insurer for cheap rates: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| 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. | 8.5 /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. | $50/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. | $87/mo |
4.0
Best choiceBased on 137 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (86)
Ronald W
October 29, 2024
Verified Review
They Cancelled Our Home Insurance
We had no problem with Auto-Owners regarding our auto insurance. However, we were disappointed when Auto-Owners cancelled our home insurance. They stopped all home insurance in 'fire prone areas'.
Martha
October 28, 2024
Verified Review
Good
The premiums keep increasing.
Lawrence
October 24, 2024
Verified Review
Honest Answers to Questions
Please refer to my answers to the previous questions.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners is a good option for affordable coverage in Greenville, as the company offers some of the best insurance rates on average.
Pros
Offers policies for home, auto, life, and business insurance
When you bundle home and auto and have a claim that damages both, only one deductible applies
Cons
Quotes not available online — only through an independent agent’s office
No 24/7 claims service
How to get the cheapest car insurance in Greenville
Insurance companies consider various factors when setting rates, including your age, driving history, vehicle type, and even the ZIP code where you park your vehicle at night.
Here are some tips to help you find car insurance that fits your budget in Greenville.
Increase your deductibles. Choosing higher deductibles can lower your comprehensive and collision premiums. Just make sure you choose a deductible you can afford to pay out of pocket in case of a claim.
Maintain a clean driving record. Follow traffic laws to avoid accidents and moving violations. Insurance companies often offer safe driver discounts to drivers with clean records.
Bundle policies. Insurance companies offer discounts for drivers who bundle their car insurance with other policies, like home insurance, renters insurance, business insurance, or a life insurance policy.
Find Cheap Car Insurance in Greenville
Liability rates start at $46 per month
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Based on 3,806+ reviews
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Cheapest liability-only car insurance in Greenville: USAA
Liability-only auto insurance is the minimum coverage required in most states, including South Carolina. These policies cover damages and injuries you may cause to others in a car accident but don’t cover damage to your own vehicle.
The average cost of liability coverage in Greenville is $165 per month. Here are average liability quotes from some of the most affordable options in the city.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $46 |
| Auto-Owners | $50 |
| State Farm | $52 |
| GEICO | $56 |
| Nationwide | $76 |
| Safeco | $78 |
| Allstate | $81 |
| Travelers | $87 |
| Progressive | $101 |
| State Auto | $105 |
| Midvale Home & Auto | $112 |
| Direct Auto | $127 |
| Liberty Mutual | $144 |
| Dairyland | $146 |
| National General | $163 |
| The General | $163 |
| AssuranceAmerica | $194 |
| Bristol West | $201 |
| GAINSCO | $223 |
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: USAA
Full-coverage car insurance includes liability coverage along with collision and comprehensive coverage. Collision coverage can help pay for repairs to your vehicle if you have an accident, and comprehensive insurance covers damage to your car resulting from non-collision events, such as theft, vandalism, or natural disasters.
Even though it costs more to buy full coverage, it’s a good idea to buy this coverage if you have a newer or higher-value vehicle. On average, full-coverage insurance in Greenville costs $249 per month.
The table below shows the companies offering the cheapest average monthly premiums for full-coverage car insurance in Greenville.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $81 |
| Auto-Owners | $87 |
| State Farm | $90 |
| GEICO | $97 |
| Safeco | $128 |
| Nationwide | $132 |
| Allstate | $140 |
| Travelers | $150 |
| Progressive | $161 |
| State Auto | $166 |
| Midvale Home & Auto | $176 |
| Direct Auto | $219 |
| AssuranceAmerica | $228 |
| National General | $239 |
| Liberty Mutual | $263 |
| The General | $307 |
| Dairyland | $318 |
| Bristol West | $356 |
| GAINSCO | $391 |
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 recent rates near Greenville, South Carolina
Recent Greenville, South Carolina car insurance prices for KIA, Hyundai, Toyota , and more.
*Quotes generated for Insurify users in and around Greenville, South Carolina within the last 10 days. Last updated on October 29, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 29, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Greenville, South Carolina within the last 10 days. Last updated on October 29, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 29, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in South Carolina
South Carolina state law requires drivers to have proof of financial responsibility in their vehicles at all times. This means you must carry a minimum amount of liability insurance and uninsured motorist insurance to cover the cost of damages or injuries you may cause others in an accident.
South Carolina is an at-fault state, which means you need to cover the other driver’s medical bills and repair costs if you cause an accident.
Here are the minimum insurance coverage requirements for South Carolina auto insurance.[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist | Equal to liability limits; subject to a $200 deductible |
Because liability insurance doesn’t cover your vehicle, you should consider adding some common optional coverages to your auto policy.
Collision coverage
Collision insurance covers damage to your vehicle in the event of a collision with another vehicle or object, regardless of fault.
Comprehensive coverage
Comprehensive insurance protects against physical damage to your car from non-collision events, such as theft, fire, or natural disasters.
Medical payments coverage
Medical payments coverage helps pay for medical expenses for you and your passengers, regardless of who caused the accident.[3]
Rental reimbursement coverage
This provides a rental car while your vehicle receives repairs for a covered insurance claim.
Roadside assistance coverage
Roadside assistance coverage offers services like towing, flat-tire changes, and locksmith services if your car breaks down on the side of the road.
Cheapest car insurance for drivers with an incident
Incidents refer to events that negatively affect your driving record and, consequently, your insurance rates. These incidents include at-fault accidents, speeding tickets, driving under the influence (DUI), and other moving violations, such as reckless driving.
Having such incidents on your record signals to insurance companies that you pose a higher risk, and they may charge you higher rates than drivers without incidents. The average cost of coverage for a Greenville driver with a past incident is $212 per month for liability coverage and $320 for full coverage.
Shop for Car Insurance in Greenville, SC
Monthly rates start at $56 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: USAA
When you receive a speeding ticket, it signals to car insurance companies that you engage in risky driving behaviors and may be at a higher risk of an accident. Insurance companies typically charge higher rates for drivers with speeding tickets on their records.
On average, Greenville drivers with a past ticket pay $226 per month for liability insurance and $342 per month for full coverage.
Compare average monthly car insurance rates from several car insurance companies in Greenville for drivers with a clean record and people with one speeding ticket.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| USAA | $46 | $59 |
| Auto-Owners | $50 | $64 |
| State Farm | $52 | $66 |
| GEICO | $56 | $72 |
| Nationwide | $76 | $98 |
| Safeco | $78 | $101 |
| Allstate | $81 | $103 |
| Travelers | $87 | $112 |
| Progressive | $101 | $129 |
| State Auto | $105 | $146 |
| Direct Auto | $127 | $162 |
| Liberty Mutual | $144 | $199 |
| Dairyland | $146 | $187 |
| National General | $163 | $209 |
| The General | $163 | $211 |
| AssuranceAmerica | $194 | $251 |
| Bristol West | $201 | $257 |
| GAINSCO | $223 | $309 |
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: USAA
An at-fault accident results in direct costs to the insurance company for claims made under your policy. So insurance companies often raise premiums for drivers with one or more past accidents to compensate for these expenses. The rate increase can vary depending on the severity of the accident.
The average cost for Greenville drivers with a past at-fault accident is $229 per month for liability insurance and $345 per month for full coverage.
The following table shows how an at-fault accident increases the average monthly car insurance rates for Greenville drivers.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| USAA | $46 | $61 |
| Auto-Owners | $50 | $66 |
| State Farm | $52 | $68 |
| GEICO | $56 | $74 |
| Nationwide | $76 | $101 |
| Safeco | $78 | $101 |
| Allstate | $81 | $107 |
| Travelers | $87 | $116 |
| Progressive | $101 | $135 |
| State Auto | $105 | $152 |
| Direct Auto | $127 | $171 |
| Liberty Mutual | $144 | $204 |
| Dairyland | $146 | $192 |
| National General | $163 | $217 |
| The General | $163 | $219 |
| AssuranceAmerica | $194 | $255 |
| Bristol West | $201 | $264 |
| GAINSCO | $223 | $282 |
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: USAA
A DUI on your record has a significant effect on your car insurance rates because it suggests high-risk behavior and an increased likelihood of costly accidents involving injuries or substantial property damage. Insurance companies may increase your rates dramatically. Some might even decline to offer coverage at all.
Greenville drivers with a past DUI pay $262 per month for liability coverage and $395 per month for full coverage.
The table below shows the difference in average monthly premiums between Greenville drivers with a clean record and people with a DUI on their record.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| USAA | $46 | $74 |
| Auto-Owners | $50 | $81 |
| State Farm | $52 | $84 |
| GEICO | $56 | $91 |
| Nationwide | $76 | $123 |
| Safeco | $78 | $126 |
| Allstate | $81 | $131 |
| Travelers | $87 | $141 |
| Progressive | $101 | $163 |
| State Auto | $105 | $170 |
| Direct Auto | $127 | $206 |
| Liberty Mutual | $144 | $233 |
| Dairyland | $146 | $236 |
| National General | $163 | $264 |
| The General | $163 | $264 |
| AssuranceAmerica | $194 | $314 |
| Bristol West | $201 | $325 |
| GAINSCO | $223 | $361 |
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: USAA
Several factors affect car insurance rates, including your age. Rates for new drivers are high but generally stabilize around age 35. This trend continues until about age 70, at which point rates tend to rise again. At this age, insurance companies perceive an increased risk due to factors associated with aging, such as slower reflexes and a higher likelihood of medical issues that could affect your driving.
On average, senior drivers in Greenville pay $136 per month for liability and $206 for full-coverage insurance.
The table below shows average monthly premiums for both liability-only and full-coverage car insurance for senior drivers in Greenville.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| USAA | $65 | $37 |
| Auto-Owners | $69 | $39 |
| State Farm | $70 | $40 |
| GEICO | $77 | $45 |
| Nationwide | $99 | $57 |
| Safeco | $108 | $66 |
| Allstate | $112 | $65 |
| Progressive | $116 | $72 |
| Travelers | $118 | $68 |
| State Auto | $126 | $80 |
| Direct Auto | $171 | $99 |
| AssuranceAmerica | $173 | $147 |
| National General | $184 | $125 |
| Liberty Mutual | $219 | $120 |
| The General | $250 | $133 |
| Dairyland | $254 | $117 |
| Bristol West | $285 | $161 |
| GAINSCO | $328 | $187 |
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: USAA
Teenage drivers pay higher insurance rates than older adults due to their lack of driving experience and higher statistical likelihood of accidents and traffic violations.
The average cost of car insurance for teen drivers in Greenville is $295 per month for liability coverage and $446 for full-coverage insurance.
Some tips for finding savings on car insurance at this age include:
Join your parents’ insurance policy. Adding a teen to a parent’s policy is usually more cost-effective than the teen having a separate car insurance policy.
Drive a safe car. Choosing a safe car equipped with modern safety features can lower insurance costs.
Take advantage of discounts. Many insurers offer discounts for teens who remain accident-free, take a defensive driving course, or maintain good grades in school.
The following table shows the cheapest car insurance options for both liability-only and full-coverage car insurance for Greenville’s teen drivers.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| USAA | $137 | $78 |
| Auto-Owners | $150 | $86 |
| GEICO | $156 | $90 |
| State Farm | $156 | $90 |
| Nationwide | $231 | $133 |
| Allstate | $251 | $145 |
| Safeco | $259 | $158 |
| Travelers | $274 | $159 |
| Progressive | $290 | $182 |
| State Auto | $299 | $189 |
| Direct Auto | $404 | $234 |
| AssuranceAmerica | $425 | $362 |
| Liberty Mutual | $472 | $258 |
| National General | $476 | $325 |
| The General | $497 | $264 |
| Dairyland | $529 | $243 |
| Bristol West | $610 | $345 |
| GAINSCO | $691 | $394 |
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
South Carolina state law allows car insurance companies to consider credit-based insurance scores when calculating car insurance premiums.[4] Statistics indicate that people with poor credit tend to file more claims and more expensive claims than drivers with good credit. Maintaining a good or excellent credit score can help you qualify for an affordable rate.
Here are the average full-coverage insurance rates for South Carolina 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?
Car insurance rates in Greenville are higher than the national average across the country but lower than in many other cities in South Carolina. Greenville drivers pay $165 per month for liability coverage and $249 for full-coverage insurance.
Several factors contribute to Greenville car insurance rates, including its rising traffic volume. With more commuters and vehicles on the road, the risk of accidents rises, and that increases insurance rates.
But Greenville has relatively inexpensive coverage compared to rates in Charleston, the largest city in South Carolina. A higher risk of storm damage in the coastal city coupled with denser traffic in tourist-heavy areas pushes premiums up.
In comparison, Greenville is more expensive, on average, than Myrtle Beach. Despite Myrtle Beach’s status as a tourist destination, it benefits from less traffic congestion and lower traffic fatality rates than Charleston.[5]
More cities in South Carolina
The table below shows average monthly premiums for both liability-only and full-coverage auto insurance for several other cities in South Carolina.
City ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Aiken | $132 | $215 |
| Anderson | $146 | $252 |
| Charleston | $205 | $322 |
| Columbia | $179 | $292 |
| Florence | $200 | $336 |
| Greer | $154 | $199 |
| Lancaster | $184 | $312 |
| Lexington | $159 | $246 |
| Myrtle Beach | $146 | $212 |
| North Charleston | $235 | $352 |
| Rock Hill | $189 | $292 |
| Spartanburg | $148 | $255 |
| Summerville | $212 | $324 |
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
Before you start shopping around for car insurance, you should determine how much coverage you need. The following information should help answer your remaining questions about finding cheap auto insurance that meets your personal needs in Greenville.
How much is car insurance in Greenville?
Greenville drivers pay $165 per month for liability and $249 for full-coverage insurance, on average. Ultimately, how much you pay for coverage will depend on your driving record, age, chosen coverage, and more.
Which company has the cheapest car insurance in Greenville?
USAA has the cheapest coverage in Greenville, with a liability insurance rate of $46 per month. Auto-Owners and State Farm also offer affordable liability coverage, with respective rates of $50 and $52 per month. The best way to find competitive prices for full or basic coverage in Greenville is to compare quotes from multiple insurers at once.
What are the best car insurance companies in Greenville?
State Farm is one of the best car insurance companies in Greenville, thanks to an Insurify Quality (IQ) Score of 9.3 out of 5 and an A++ (Superior) financial strength rating from AM Best. On average, South Carolina drivers with coverage from State Farm pay $57 for liability coverage and $100 for full-coverage insurance. Other top insurers with high IQ Scores include Auto-Owners and USAA.
How much is car insurance per month in South Carolina?
The average monthly cost of car insurance in South Carolina is $168 for liability coverage and $281 for full coverage. This is higher than the national averages of $104 per month for liability coverage and $211 for full-coverage insurance.
Why is car insurance so high in South Carolina?
South Carolina drivers may pay higher rates than the national average due to risks associated with hurricanes and higher-than-average rates of vehicle theft. The cost of coverage will vary depending on where you live in the Palmetto State.
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
- 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.
Related articles
More cities in South Carolina
Sources
- City of Greenville. "GVL2040 Comprehensive Plan."
- South Carolina Department of Insurance. "FAQs: Auto Insurance."
- Insurance Information Institute. "What is covered by a basic auto insurance policy?."
- South Carolina Department of Insurance. "Property & Casualty."
- TRIP. "South Carolina Transportation by the Numbers."
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Janet Berry-Johnson
Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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