Best Cheap Auto Insurance in Greenville, South Carolina (2024)

USAA offers the cheapest car insurance in Greenville, with minimum-coverage policies as low as $44 per month.

Choncé Maddox
Written byChoncé Maddox
Choncé Maddox
Choncé Maddox
  • 7+ years writing insurance and personal finance content

  • Certified financial education instructor (CFEI)

Choncé was a licensed life insurance agent before becoming a freelance personal finance writer. She’s passionate about helping people learn to protect themselves with insurance.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Amber Benka
Reviewed byAmber Benka
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

Updated March 14, 2024

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Cheapest recent rates in South Carolina

Drivers using Insurify have found quotes as cheap as $81/mo for liability only and $123/mo for full coverage in South Carolina.

*Quotes generated for Insurify users from South Carolina within the last 10 days. Last updated on March 14, 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 March 14, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from South Carolina within the last 10 days. Last updated on March 14, 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 March 14, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

When looking for car insurance in Greenville, South Carolina, it’s crucial to find an insurance company that marks every box on your checklist. The best insurance companies will offer the coverage you need at a rate that fits your budget.

Top-rated Greenville insurers will also have high customer service ratings, discounts to lower premium costs, and low average rates. In Greenville, the average monthly cost of insurance is $224 for liability coverage and $297 for full coverage.

Quick Facts
  • State Auto offers the cheapest average liability-only rates in Greenville, South Carolina, at $104 a month.

  • The average liability-only car insurance rate in Greenville is only 3% higher than South Carolina’s average rate.

  • Liberty Mutual is the best Greenville auto insurer for students and young drivers.

Find Cheap Car Insurance in Greenville

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Best car insurance companies in Greenville

The best auto insurance company will depend on your individual situation and needs.

Here are some of the top insurers in Greenville, based on Insurify data, along with some key pros and cons to consider.

Insurance CompanyBest ForAverage Monthly Quote: Liability OnlyInsurify Quality (IQ) Score
TravelersOverall$1634.3
ProgressiveBest value$1224.0
State AutoMost affordable $1043.8
Direct AutoDrivers with multiple vehicles$1913.2
NationwideSenior drivers$1354.1
Bristol WestHigh-risk drivers$2772.2
Liberty MutualYoung drivers$1853.8
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.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best car insurance overall: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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.
$82/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.
$124/mo

Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index. A.M. Best gives the company an A++ for financial strength.

Pros
  • Accident forgiveness available

  • Robust coverage selections and discount offerings

Cons
  • Rideshare coverage only available in Colorado and Illinois

  • High number of negative customer reviews with the Better Business Bureau

Superior customer service.

Susan - November 25, 2023
Verified

They are the best.

David - November 15, 2023
Verified

I have no tickets and no accidents, yet my premiums keep going up every year.

Deborah - October 26, 2023
Verified
Read our Travelers review

Travelers offers several car insurance options in Greenville, including benefits like accident forgiveness after your first at-fault car accident. Travelers also has an Insurify Quality (IQ) Score of 4.3 out of 5 and offers new-car replacement coverage and roadside assistance as add-on options.

Pros
  • Discounts for bundling your policy

  • Offers accident forgiveness

Cons
  • Rideshare coverage only available in Colorado and Illinois

  • Below-average J.D. Power rating in the Southeast region[1]

Best cheap car insurance in Greenville: Progressive

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
$95/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.
$150/mo

Although its founding in 1937 makes Progressive comparatively young, it is among the largest car insurers in the U.S. The company offers car, home, renters, commercial, and other types of insurance. Progressive customers can enjoy savings by bundling their car insurance with another type of Progressive policy – typically homeowners or renters. Available discounts range from multi-policy and multi-car discounts, to the Snapshot save driver discount. Progressive has an A.M. Best rating of A+ for financial stability. However, the company has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Rewards for good drivers

  • Numerous coverage options and discounts available

Cons
  • Higher-than-expected amount of complaints

  • Ranked 11 out of 15 companies in the J.D. Power Customer Satisfaction Index Ranking

Help lower my cost.

Reine - December 4, 2023
Verified

Excellent customer service.

Cheryl - December 3, 2023
Verified

Best overall insurance cost with options to easily change as needed.

Jeffrey - December 3, 2023
Verified
Read our Progressive review

Progressive may not have the cheapest rates in Greenville, but this insurer does offer affordable coverage starting at just $122 per month for liability insurance. Progressive also offers the Snapshot program, which rewards safe drivers.

Progressive is known for its Name Your Price Tool, which allows you to customize coverage based on your budget, as well as its multi-policy, multi-car, long-term customer, and good student discounts.

Pros
  • Wide selection of coverage options

  • Telematics-based program may lower your premiums

Cons
  • No advertised discounts for vehicle safety equipment

  • Below-average J.D. Power rating in the Southeast region[1]

Most affordable car insurance in Greenville: State Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
A.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-
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.
$82/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.
$141/mo

Founded in 1921, State Auto is now a part of Liberty Mutual. The company sells policies in 33 states, although they don’t specify which ones on their website or Liberty Mutual’s site. State Auto offers three levels of protection with customizable coverages that can include roadside assistance, glass coverage, accident forgiveness, rideshare insurance, and more. Available discounts include one for safe driving (monitored by a telematics app) multiple policies, driver education and safety courses, anti-theft equipment, and for paying in full. State Auto has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Ample options for customizing coverages

  • Numerous discounts available

Cons
  • Not available in all states

  • Online quotes and purchasing not available

Their customer service is horrible and slow, and they cost us hundreds of dollars extra in added rental car fees for their delays.

Brandon - June 22, 2023
Verified

No problems

Dave - April 12, 2022
Verified

Received a rate increase without notice on renewal

Lynnette - February 2, 2021
Verified
Read our State Auto review

State Auto has the lowest auto insurance rates in Greenville, South Carolina, at just $104 for liability coverage. This insurer has been around for more than 100 years and has a 3.8 IQ Score. State Auto offers three main auto insurance plans — Standard, Protection Plus, and AutoXtended Premier — to help meet various coverage needs.

Pros
  • Several discounts available

  • Save 10% or more with safe driver program

Cons
  • Some unresolved negative reviews and customer complaints on Better Business Bureau (BBB) website

  • A.M. Best rating of A- is lower than competing insurers[2]

Best car insurance in Greenville for drivers with multiple vehicles: Direct Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
A.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
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.
$112/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.
$170/mo

For a little more than 20 years, Direct Auto has specialized in providing insurance for non-standard drivers who may struggle to find affordable coverage elsewhere, and to drivers who need SR-22 certification. Today, the company sells car, motorcycle, and term life insurance, car insurance in Mexico, roadside assistance, and vehicle protection plans. Direct operates in just 16 states. The company has an A+ rating from A.M. Best for financial and credit strength, but nearly 35 times the number of expected complaints in the National Association of Insurance Commissioners Customer Complaint Index.

Pros
  • Customers can bundle car insurance with other auto-related products

Cons
  • Not available in all states

Great prices.

Daqwanta - December 1, 2023
Verified

Expensive.

Neil - November 29, 2023
Verified

I've never had a problem so far, and I think I'll do a great job.

Fred - November 11, 2023
Verified
Read our Direct Auto review

Direct Auto has been around since 1991 and has an IQ Score of 3.2. Direct Auto helps customize your insurance coverage based on your needs and offers discounts for savings of up to 25%.

For people with multiple vehicles in their home that need insurance, Direct Auto provides multi-policy discounts to help you insure your vehicles, a motorcycle, and commercial vehicles all under one policy.

Pros
  • Multi-policy and multi-car discounts available

  • Offers mobile app for account management

Cons
  • Higher average premiums than competing insurers

  • Gap or rideshare insurance not available

Best car insurance in Greenville for senior drivers: Nationwide

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
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.
$69/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.
$109/mo

In business since 1925, Nationwide is one of the largest insurers, and sells car, homeowners, life insurance, umbrella insurance, and more. In addition to liability, collision and comprehensive, Nationwide provides optional coverages such as towing and labor, rental car, and gap. The company also offers accident forgiveness, and a vanishing deductible that lowers your deductible for each year you drive safely. Nationwide has an A+ rating from A.M. Best for financial stability, and an only slightly higher-than-expected number of customer complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Numerous discount and savings opportunities

  • SmartRide (for safe drivers) and SmartMiles (for low-mileage drivers)

Cons
  • Not available in every state

  • Some discounts and programs not available in all states

I am happy with Nationwide.

James - November 5, 2023
Verified

They were there for me when I needed them.

shane - October 30, 2023
Verified

After 50+ years with NW, I don’t feel there is personalized contact.

Paula - October 4, 2023
Verified
Read our Nationwide review

Nationwide helps you save money when you bundle your policy with other types of insurance coverage. This company also provides discounts for enrolling in the SmartRide program, allowing you to save up to 40% for driving safely.

Seniors who don’t drive as often could also save with the SmartMiles program, which gives you coverage at a flexible monthly rate based on how many miles you drive.

Pros
  • SmartMiles program can help lower premiums

  • Higher-than-average J.D. Power rating in Southeast region[1]

Cons
  • Lower customer rating with the BBB

  • Lower J.D. Power claims satisfaction rating than competing insurers[3]

Best car insurance in Greenville for high-risk drivers: Bristol West

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
2.2
A.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
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.
$179/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.
$299/mo

Florida-based Bristol West Insurance Company started selling car insurance in 1973. Farmers Insurance now owns the company, which provides private car insurance in 43 states. Bristol specializes in writing policies for difficult-to-insure drivers – for example, those who’ve had a DUI or a lapse in coverage. In addition to liability, collision and comprehensive, Bristol offers optional coverages like rideshare insurance, and rental car coverage. A.M. Best gives Bristol an A rating for financial strength and credit. However, the company has a higher-than average number of complaints in the National Association of Insurance Commissioners Consumer Complaint Index.

Pros
  • Provides coverage for difficult-to-insure drivers

  • Offers rideshare coverage as an extension of your personal policy

Cons
  • Drivers with moving violations pay very high rates

  • Lower than average customer satisfaction

Overall great service. The price got too high.

Mike - November 14, 2023
Verified

They are a little higher. They don't have roadside options, and for what they charge, it should be included.

DANA - November 9, 2023
Verified

Good company for insurance.

James - November 9, 2023
Verified
Read our Bristol West review

Bristol West has been around for 45 years and provides drivers with coverage at a reasonable rate, even if they have bad credit or infractions on their driving record.

While its rates aren’t the lowest among the best auto insurers in Greenville, Bristol West can still be a solid option if you have DUIs, speeding tickets, or need an SR-22.

Pros
  • Coverage for high-risk drivers

  • Flexible payment options with low insurance down payments

Cons
  • Mobile app claims filing not available

  • Higher rates than other Greenville insurers

Best car insurance in Greenville for young drivers: Liberty Mutual

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
$118/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.
$213/mo

In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.

Pros
  • Wide range of available discounts

  • Accident forgiveness available

Cons
  • Many negative reviews and customer complaints

  • Premiums are relatively high compared to industry average

The only thing is pricing and checking with other carriers for pricing!!! Liberty Mutual has all of them beat.

William - December 1, 2023
Verified

Wasn't consistent with price from year one to year two.

Lester - November 30, 2023
Verified

Best service there is.

H - November 27, 2023
Verified
Read our Liberty Mutual review

Liberty Mutual offers customized auto insurance options. This insurer has an IQ Score of 3.8 and offers discounts to students who have a GPA equivalent of B or better. Liberty Mutual also provides discounts for not filing a claim or getting a violation.

Pros
  • Customizable insurance plans

  • Offers student-centric discounts

Cons
  • Higher full-coverage rates than other insurers

  • Mixed reviews on customer service and certain app features

How to shop for the best car insurance in Greenville

When shopping for car insurance in Greenville, South Carolina, you’ll need to consider several things:

  • Coverage amount: Decide how much coverage you need, starting with the state’s minimum requirements. South Carolina requires at least $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property damage liability. South Carolina also requires uninsured motorist coverage at the same liability limits.[4]

  • Customer satisfaction and reviews: Review credible customer satisfaction ratings, such as the IQ Score, as well as reviews and complaints with the Better Business Bureau. This will help you uncover any potential issues you could experience with an insurance company.

  • Rates: Use an insurance-comparison site to gather quotes from at least three different insurers. This will help you compare rates and coverage options to narrow down the best price for your needs. 

  • Communication methods: Check the insurer’s various communication methods, whether you wish to talk to someone by phone, online chat feature, or email. You can also check whether the insurer has customer service agents available during flexible times.

  • Claims experience and process: Does the insurer have a clear claims process that you can start either online or by phone? Many insurers allow you to check the status of your claim online, which can be helpful during the process.

Learn More: Car Insurance Claims Process What to Expect and How to File a Claim

Learn More: Car Insurance Claims Process What to Expect and How to File a Claim

How to get the cheapest car insurance in Greenville

Finding the cheapest car insurance in Greenville will depend on factors outside your control, like your ZIP code, age, and gender.[5] However, you can control other factors to lower your insurance costs over time:

  • Keep a clean driving record and avoid violations.

  • Improve your credit score.

  • Ask your insurer about discounts and safe driver programs.

  • Choose a car that has safety and anti-theft features.

  • Shop around frequently, gather multiple quotes, and switch your car insurance when you can get a lower rate.

Liability-only vs. full-coverage insurance in Greenville

South Carolina requires minimum-liability auto insurance, which helps cover damage to the other person’s vehicle in an accident. Liability insurance also includes bodily injury coverage, which covers the other driver’s (and their passengers’) medical bills due to injuries from an accident.

Full-coverage insurance refers to a collection of coverages, which includes collision and comprehensive insurance. Collision insurance provides reimbursement for damages to your car after a collision-related event, like an accident, regardless of fault. Comprehensive insurance provides coverage for non-collision events, such as natural disasters, falling objects, theft, and vandalism.[6]

Choosing liability coverage may make sense if you drive an older car that’s worth less than the cost of major repairs. However, you may want a higher level of protection with full-coverage, collision, or comprehensive coverage if you drive a newer car, finance your vehicle with an auto loan, or have a lease agreement.

Here’s a look at the cheapest auto insurance in South Carolina by policy type.

Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full Coverage
State Auto$104$167
Safeco$122$170
Travelers$163$178
Progressive$122$186
Midvale Home & Auto$174$222
Direct Auto$191$243
Liberty Mutual$185$272
InsureMax$208$285
The General$232$361
Bristol West$277$371
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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South Carolina car insurance rates by driving and accident history

Your driving history will greatly affect your car insurance rates. Drivers with a clean record are more likely to see lower car insurance rates because insurers consider drivers with violations on their records as higher risk.[5]

Speeding tickets, driving under the influence, and at-fault accidents can stay on your driving record for several years.

You can still find car insurance at reasonable rates even with infractions on your driving record, but you’ll likely pay more. Here’s a look at average monthly quotes for the cheapest car insurance in South Carolina based on driving and accident history.

Insurance CompanyClean RecordAt-Fault AccidentWith a DUISpeeding Ticket
Nationwide$135$194$269$182
State Auto$167$238$331$223
Safeco$170$243$339$228
Travelers$178$254$353$238
Progressive$186$266$370$249
Midvale Home & Auto$222$318$442$298
Direct Auto$243$347$483$325
Liberty Mutual$272$389$542$365
InsureMax$285$407$566$381
The General$361$516$718$483
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 quotes by credit tier

Many states allow insurers to factor in your credit score when calculating car insurance rates, and South Carolina is one of these states. Insurers in Greenville can use your credit score to determine the likelihood that you’ll file an insurance claim.[7]

Credit scores above 661 are “good,”and the higher your credit score, the better chance you’ll have of getting a lower car insurance rate.[8]

Insurers consider other factors in addition to credit, so a lower credit score doesn’t always mean you’ll get higher insurance premiums. Still, you can prioritize improving your credit score for a chance at better rates.

Greenville car insurance rates by driver age

Age also affects car insurance rates because insurance companies find that drivers younger than 25 have a higher risk of accidents than older drivers.[5] This added risk leads to increased prices for young drivers.

Here are the average insurance rates by driver age. While prices are higher for teens and young drivers, the rates start to go down once you turn 25.

Age GroupAverage Monthly Quote
Teenagers$521
Younger than 25$326
20s$260
30s$244
40s$190
50s$200
60s$199
70s$193
80+$197
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.
Keep Reading: What Are the Best Cars for Teens to Drive?

Keep Reading: What Are the Best Cars for Teens to Drive?

Is car insurance more expensive in Greenville?

Car insurance rates vary by city within South Carolina. Rates may vary by city due to factors such as the amount of traffic in the area or the number of accidents. Also, the cost of vehicle repairs in a particular city may vary, and this can affect car insurance rates.[5]

Car insurance in Greenville costs an average of $224 for liability-only coverage. This is more than insurance in other South Carolina cities, like Myrtle Beach and Rock Hill, but less than cities like Charleston. Here are the liability-only car insurance rates in different South Carolina cities and how these rates compare to Greenville.

CityAverage Monthly QuoteCompared to Greenville
Myrtle Beach$238-9%
Rock Hill$251-4%
Spartanburg$259-1%
Charleston$2745%
Summerville$2766%
Columbia$30216%
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.

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Find Greenville agents

  • The Morgano Agency 

    206B Pine Knoll Drive,
    Greenville, SC 29609
  • Advisors Insurance Agency 

    494 Garlington Rd,
    Greenville, SC 29615
  • The Turner Agency, Inc. 

    623 Halton Road,
    Greenville, SC 29607
  • South Carolina Insurance Brokers 

    84 Villa Road,
    Greenville, SC 29615
  • Southern Insurance Group 

    301 Rutherford Street,
    Greenville, SC 29609
  • The Briles Company 

    3110 Augusta Street,
    Greenville, SC 29605
  • Countybanc Insurance, Inc-Greenville 

    3431 Pelham Rd,
    Greenville, SC 29615
  • Newton Insurance Solutions LLC 

    620 Howell Road,
    Suite 9, Greenville, SC 29615
  • AssuredPartners 

    55 Beattie Pl,
    Ste 910, Greenville, SC 29601-2165
  • Arthurs Insurance and Risk Management Services, LLC 

    601 Roper Creek Dr,
    Greenville, SC 29615-6935
View more

Greenville car insurance FAQs

Here are answers to more common questions about car insurance in Greenville. You can also read more on the average cost of car insurance in South Carolina and how to shop for car insurance.

  • Who has the cheapest car insurance in Greenville?

    The top three cheapest insurance companies in Greenville are State Auto, Safeco, and Travelers, with liability-only coverage amounts ranging from $104 to $163. However, each insurer won’t offer the exact same price to everyone. Comparing multiple quotes at once using your own personal information is one of the best ways to find the cheapest car insurance rate for your situation.

  • What are the minimum car insurance requirements in South Carolina?

    In South Carolina, you must have at least $25,000 per person for bodily injury liability, $50,000 per accident for bodily injury liability, and $25,000 per accident for property damage liability. You must also purchase these policy limits for uninsured motorist coverage.[4]

    South Carolina requires insurers to offer underinsured motorist coverage, but you’re not required to purchase it.[4]

  • What are the best car insurance companies in Greenville?

    Some of the best insurance companies in Greenville include Progressive and Travelers. These companies have a higher IQ Score and offer lower-than-average rates.

  • Is South Carolina a no-fault state?

    No. South Carolina is an at-fault state. This means if you’re the at-fault driver in an accident, the other driver can file a claim against you for your insurance company to pay for the property and bodily damages.[9]

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.

Sources

  1. J.D. Power. "2022 U.S. Auto Insurance Study." Accessed May 26, 2023
  2. A.M. Best. "AM Best Removes From Under Review, Upgrades Credit Ratings of State Automobile Mutual Insurance Company and Operating Subs." Accessed May 26, 2023
  3. J.D. Power. "2022 U.S. Auto Claims Satisfaction Study." Accessed May 26, 2023
  4. South Carolina Department of Insurance. "Automobile Insurance." Accessed May 26, 2023
  5. III. "What determines the price of an auto insurance policy?." Accessed May 26, 2023
  6. III. "What is covered by collision and comprehensive auto insurance?." Accessed May 26, 2023
  7. Experian. "Which States Prohibit or Restrict the Use of Credit-Based Insurance Scores?." Accessed May 26, 2023
  8. Experian. "What Is a Good Credit Score?." Accessed May 26, 2023
  9. Nolo. "South Carolina Car Accident Laws and Lawsuits." Accessed May 26, 2023
Choncé Maddox
Choncé Maddox

Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer. She graduated from Northern Illinois University with a degree in Journalism and has been covering personal finance topics surrounding saving, debt payoff, credit, and home insurance for seven years. Chonce briefly held a life insurance license in Illinois where she developed a passion for helping people learn how to protect themselves and their property through insurance coverage. Her work has been featured on LendingTree, Business Insider, RateGenius and more.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Amber Benka
Reviewed byAmber BenkaLicensed Insurance Agent
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

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