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With a population of roughly 70,000 residents, Greenville is nestled in the western part of South Carolina. The city can be a dangerous place to drive due to a range of traffic issues, including dangerous right turns, signals that are too close together, and congested roads in multiple areas of the region. While Greenville has been working to resolve these problems for years, it’s smart for drivers to carry adequate auto insurance coverage in the event of an accident.
The average cost of South Carolina car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Greenville, SC to find you the cheapest quotes in the area.
Here are the cheapest carriers in Greenville for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
 Direct Auto | $68/mo |
 State Farm | $99/mo |
 Progressive | $133/mo |
 Nationwide | $144/mo |
 American Family | $155/mo |
| Best Companies | ||
|---|---|---|
American Family | $236/mo | |
 Safeco | $211/mo | |
 Liberty Mutual | $246/mo | |
 Travelers | $170/mo |
South Carolina Cities | |
|---|---|
| Columbia | $154/mo |
| Charleston | $132/mo |
| North Charleston | $125/mo |
| Mount Pleasant | $139/mo |
| Greenville | $129/mo |
| South Carolina | $136/mo |
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All motor vehicles operated or parked on South Carolina roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
The minimum liability car insurance requirements for private passenger vehicles in South Carolina are as follows:
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by South Carolina state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by South Carolina law.
The state minimum amount of property damage liability coverage required in the state of South Carolina is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Uninsured and underinsured motorist coverage are required in South Carolina. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In South Carolina, the legally required level of Uninsured Motorist coverage is:
While being young has its perks, it’s good to grow older in Greenville—at least as far as car insurance is concerned. While young drivers take more risks on the road, mature motorists are more likely to make sound driving decisions and receive lower rates. It costs twice as much to insure a teen driver in Greenville ($548) as it does to secure the same coverage for someone in their 30s ($263) in this city.
| Driver's Age | |
|---|---|
| teens | $549 |
| 20s | $328 |
| 30s | $264 |
| 40s | $283 |
| 50s | $284 |
| 60s | $249 |
| 70s | $222 |
| 80s | $335 |
| Driving History | |
|---|---|
| No Violation | $269 |
| Speeding Ticket | $347 |
| At-Fault Accident | $351 |
| Failure to Stop for Red Light / Stop Sign | $364 |
Similar to a student report card, your driving record can reflect some of your biggest mistakes. While a clean record in Greenville can get your average insurance rate to $268, marks against you can push policy prices up. Drivers with just one speeding ticket on their record pay an average of $346. That’s a 30 percent increase over the perfect driver. Why so much? Risky driving behavior signals to the insurance company that you could be making a claim sometime in the future. They raise rates to make sure they will still be profitable after the fact.
If you aren’t already actively managing your credit score, you should. It’s one thing you can control when it comes to keeping your insurance rates low. Like other variables used to determine your insurance policy’s price, credit-based insurance scores help insurance companies visualize your risk and set rates. In the end, better credit scores mean better insurance rates. In Greenville, drivers with excellent credit can expect to pay an average of $294 in premiums monthly.
| Credit Tie | |
|---|---|
| Excellent | $295 |
| Good | $312 |
| Average | $295 |
| Poor | $292 |
The Greenville DMV is centrally located and open Monday through Friday from 8:30 a.m. to 5 p.m., with a 9:30 a.m. opening time every Wednesday. Despite only having one office to serve drivers in the area, the Greenville DMV often receives rave reviews for its level of organization and the friendliness of employees. As long as you have your paperwork in order, a visit to this office should be quick.
Greenville’s Greenlink bus system provides 11 routes throughout the greater metropolitan area, making it easy to get around the city without a vehicle. If you’re planning on staying close to downtown, consider taking a ride on one of two vintage-inspired trolleys. Free to ride, the trolleys operate on Thursday and Friday from 6 to 11 p.m., Saturday from 10 a.m. to 11 p.m., and Sunday from 1 to 8 p.m.. If you’re headed outside city limits or require transportation during late-night hours, Uber or Lyft are wise choices.
Small cities don’t always equate to an easy time on the road, as Greenville is home to some pretty dangerous intersections. While improvements have been made in recent years, it’s a good idea to familiarize yourself with any route you plan on driving and give yourself plenty of time to arrive at your destination.
Despite the fact that car insurance rates can be high in Greenville, many drivers who use Insurify find that they spend less than others. By answering a few questions, you can compare real-time quotes from multiple insurance companies and can enroll in your new policy online.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Greenville drivers measure up to their fellow South Carolina motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Greenville drivers rank 24 in the number of car accidents per driver across all cities in South Carolina.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in South Carolina, Greenville drivers rank 24 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Greenville drivers rank 21 in the number of DUI’s per driver across all cities in South Carolina.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in South Carolina, Greenville drivers rank 6 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Greenville drivers rank 24 in clean driving records across all cities in South Carolina.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Greenville drivers rank 9 in failure to yield violations per driver across all cities in South Carolina.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in South Carolina, Greenville drivers rank 15 in the number of reckless driving offenses per driver.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Greenville is the Honda Accord.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
