120+ more*Quotes generated for Insurify users in and around Greenville, South Carolina within the last 10 days. Last updated on June 25, 2026. 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 June 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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30+ years in financial services
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Updated
The average cost of car insurance in Greenville, South Carolina, is $198 per month. That’s higher than in nearby Greer ($183) but lower than in the state capital of Charleston ($240).
State-minimum coverage in Greenville costs an average of $156 per month, while the average rate for full coverage in the city is $240 per month.
The high number of auto collisions in Greenville affects car insurance costs. Greenville County had the most car crashes — including fatal crashes — in South Carolina in 2023, according to the South Carolina Department of Public Safety.[1]
Liability rates start as low as $70 per month
South Carolina requires minimum liability coverage limits of 25/50/25: $25,000 in bodily injury liability insurance per person, $50,000 per accident, and $25,000 in property damage liability per accident. You must also have matching uninsured motorist coverage at the same limits.[2]
The average cost for a liability-only insurance policy in Greenville is $156 per month, about the same as South Carolina as a whole ($160 per month). The cheapest insurer for minimum-liability coverage in Greenville is USAA, with an average monthly rate of $70.
The following table shows the cheapest liability car insurance rates in Greenville.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $70 |
| Auto-Owners | $75 |
| State Farm | $78 |
| GEICO | $107 |
| Nationwide | $114 |
| Allstate | $122 |
| Progressive | $125 |
| Travelers | $130 |
| Safeco | $140 |
| Direct Auto | $156 |
| State Auto | $158 |
| National General | $159 |
| Root | $165 |
| Dairyland | $178 |
| GAINSCO | $182 |
| The General | $184 |
| Liberty Mutual | $185 |
| AssuranceAmerica | $188 |
| First Acceptance | $209 |
| Hugo | $221 |
| Bristol West | $260 |
Full-coverage policies in Greenville average $240 per month.
Greenville faces a higher rate of auto theft than the state average, plus a major flood risk due to its many rivers.[3] These factors may lead some drivers in Greenville to opt for full-coverage car insurance, which includes collision and comprehensive coverage.
The cheapest insurer for full-coverage car insurance in Greenville is USAA, with an average monthly rate of $115.
The table below shows the cheapest rates for full-coverage car insurance in Greenville.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| USAA | $115 |
| Auto-Owners | $123 |
| State Farm | $128 |
| GEICO | $163 |
| Safeco | $177 |
| Nationwide | $187 |
| Progressive | $189 |
| Allstate | $198 |
| Travelers | $213 |
| National General | $238 |
| Direct Auto | $239 |
| Root | $245 |
| State Auto | $257 |
| AssuranceAmerica | $262 |
| Liberty Mutual | $299 |
| First Acceptance | $327 |
| GAINSCO | $336 |
| Dairyland | $342 |
| The General | $386 |
| Bristol West | $436 |
In South Carolina, the cheapest city for car insurance is Aiken, with an average rate of $135 per month. That’s significantly lower than the highest statewide average rate of $249, in the densely populated coastal city of North Charleston.
Greenville’s average rate of $156 falls on the lower end of the range, due to its inland location and a population that’s 40% lower compared to North Charleston’s 126,000 residents.
The table below shows the average monthly rate for car insurance in various South Carolina cities.
City | Average Monthly Quote |
|---|---|
| Aiken | $180 |
| Anderson | $186 |
| Charleston | $240 |
| Columbia | $231 |
| Florence | $235 |
| Fort Mill | $182 |
| Greenville | $198 |
| Greer | $183 |
| Lancaster | $229 |
| Lexington | $198 |
| Myrtle Beach | $202 |
| North Charleston | $249 |
| Rock Hill | $205 |
| Spartanburg | $198 |
| Summerville | $235 |
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The cost of car insurance is higher in Greenville because the area leads the state in car crashes, which increases the cost of claims.
As the county seat, Greenville’s rates reflect broader trends in Greenville County. The county recorded 16,640 crashes in 2023, compared to 109 in Allendale County, the lowest in the state. Greenville County was also tied for the most fatal crashes (71) and the most crash fatalities with an alcohol-impaired driver (35), according to state safety data.
*Quotes generated for Insurify users in and around Greenville, South Carolina within the last 10 days. Last updated on June 25, 2026. 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 June 25, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving history also influences your car insurance costs. The following insurers offer the lowest rates for people with different types of driving records:
Cheapest car insurance for Greenville drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Greenville: USAA
Cheapest car insurance for Greenville drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Greenville: USAA
In Greenville, 5.7% of drivers have a speeding ticket on their record, 5.9% have an at-fault accident, and 0.7% have a driving under the influence (DUI) conviction, according to Insurify data. If you have a violation on your record, shopping around and looking for safe driving car insurance discounts could help you find affordable insurance.
The table below shows the average monthly rates by violation type in Greenville.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $198 |
| Speeding ticket | $235 |
| At-fault accident | $251 |
| DUI | $319 |
About 41% of crashes with injuries or fatalities in Greenville happen on a tiny fraction of the city’s roadways. The most dangerous stretch is the 2.7 miles of Laurens Road between Interstate 385 and Woodruff Road.[4] North Pleasantburg Drive is another dangerous roadway, particularly the 1.8 miles between Lowndes Hill Road and Wade Hampton Boulevard.
To avoid a collision, remember to follow posted speed limits, maintain a safe following distance between vehicles, and drive defensively. Most crashes in the Greenville area are rear-end collisions, often resulting from driving too fast.
Remember, too, that South Carolina prohibits red-light cameras, so use extra caution when approaching intersections to avoid hitting drivers running a red light.
Impaired drivers are another hazard in Greenville, and one that may result in stricter monitoring and harsher penalties. Greenville County has one of the highest rates of DUI-related fatal collisions in the state, resulting in targeted countermeasures by the South Carolina Department of Safety.
Upstate South Carolina’s population bump over the last decade brought the Metro Greenville region to about 1 million residents, resulting in increased congestion and heavier traffic, which can increase your costs for auto insurance coverage.
About 75% of Greenville residents drive themselves to work. During rush hour, arteries like Highway 183, U.S. Route 123, and I-85 often clog up. On the plus side, most residents complete their commute in less than 20 minutes.[5]
Teen drivers in Greenville must follow South Carolina’s graduated driver licensing laws, which allow a learner’s permit at age 15 and a conditional driver’s license at age 15 and a half.[6]
Greenville teens pay monthly averages of $276 for liability policies and $425 for full-coverage policies. A good student discount could help teen drivers save on insurance.
The table below shows the cheapest rates for teenage drivers in Greenville.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $127 |
| State Farm | $149 |
| Auto-Owners | $150 |
| GEICO | $191 |
| Nationwide | $219 |
| Progressive | $221 |
| Allstate | $237 |
| Root | $245 |
| Travelers | $267 |
| Safeco | $281 |
| Direct Auto | $300 |
| Dairyland | $306 |
| National General | $313 |
| GAINSCO | $317 |
| Liberty Mutual | $319 |
| The General | $327 |
| First Acceptance | $370 |
| State Auto | $378 |
| AssuranceAmerica | $384 |
| Hugo | $404 |
| Bristol West | $454 |
Just 15.1% of Greenville’s residents are age 65 or older.[7] Senior drivers in Greenville pay $141 per month for liability coverage and $218 per month for full-coverage insurance.
The table below shows the cheapest rates for senior drivers in Greenville.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $58 |
| Auto-Owners | $61 |
| State Farm | $63 |
| GEICO | $87 |
| Nationwide | $90 |
| Allstate | $102 |
| Travelers | $107 |
| Progressive | $113 |
| State Auto | $123 |
| Safeco | $125 |
| National General | $128 |
| Direct Auto | $131 |
| AssuranceAmerica | $151 |
| Dairyland | $155 |
| Root | $155 |
| Liberty Mutual | $158 |
| GAINSCO | $160 |
| The General | $161 |
| First Acceptance | $189 |
| Hugo | $196 |
| Bristol West | $222 |
Check out some of the most frequently asked questions about car insurance in Greenville, South Carolina.
USAA offers the cheapest liability-only insurance in Greenville, at an average of $70 per month.
The best car insurance companies for Greenville drivers offer affordable rates, supportive customer service, and a strong financial outlook. State Farm, GEICO, Nationwide, Travelers, and Progressive offer competitive rates and multiple coverage options in Greenville.
The average cost of car insurance in Greenville is $156 per month for liability coverage and $240 per month for full coverage, Insurify data shows. But rates vary by ZIP code, insurance company, vehicle information, driver profile, and other factors.
Overall, drivers pay an average of $208 per month for car insurance in South Carolina, which is slightly higher than the average rate in Greenville. You may be able to lower your rates by bundling auto and homeowners insurance together.
Several factors affect car insurance rates in Greenville, including the area’s number of serious crashes, its moderate-to-major flood risk, and its higher-than-average rate of auto theft.
Insurify data scientists analyzed more than 190 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
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.
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