Cheap Auto Insurance Quotes in Greer, SC (January 2022)

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Public transit is nonexistent in Greer, and residents rely on their cars for almost all errands, as the city is not walkable. Nearly 94 percent of Greer workers commute by car. Having a car insurance policy is absolutely essential to getting around in Greer.

Car Insurance in Greer, SC

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 Greer, SC to find you the cheapest quotes in the area.
$66
$94
$102
$136
$155
Direct AutoState FarmAllstateNationwideAmerican Family

Cheapest Car Insurance in Greer, SC

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Greer, SC

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Greer. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

$132
$154
$132
$125
$139
$111
South CarolinaColumbiaCharlestonNorth CharlestonMount PleasantGreer
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Greer, SC Driving Facts

south-carolina

Minimum Car Insurance Requirements in SC

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:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in South Carolina are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

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.

  • $25,000 per accident for Property Damage (PD)

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:

  • $25,000 per person/$50,000 per accident for Bodily Injury
  • $25,000 per accident for Property Damage

Greer Car Insurance Rates by Driver Age

Hardworking teenagers will have a tough time paying for car insurance if they don’t want to let grades, sports, or other extracurriculars slip. Just a few years’ experience drops the rate by more than $150 per month, or $1,800 per year. From there, the rates slide down and stay below the state average of $311. People in their 50s see a speed bump. But then people in their 60s, who downsized after the kids moved out, see their rates at $127, which is $300 cheaper than the youngest drivers’ cost.

Driving History
No Violation$262
Speeding Ticket$252
At-Fault Accident$286
Failure to Stop for Red Light / Stop SignN/A

Greer Car Insurance Rates by Driving and Accident History

South Carolinians know that safe driving is smart driving, and the insurance companies agree. That’s why they reserve “good driver” and “accident-free” discounts for those who have clean records. Why do those with speeding tickets pay less than the safer drivers? Often, drivers with violations on the record strip down their policies. That means they may choose liability-only and skip comprehensive and collision coverage, whereas those with no violations can afford the added protection. Either way, three years of careful driving, and your record goes back to clean.

Greer Car Insurance Rates by Credit Tier

Many drivers are confused about what their credit score has to do with their ability to drive. But in the Palmetto State, it’s perfectly legal for car insurance companies to use credit history when deciding rates. But why do people with excellent credit pay the most? Often, drivers with better credit finance costlier cars and must buy higher coverage levels to protect their assets. That said, drivers with average credit who move to good credit can save $900 a year.

Greer, SC DMV Information

When it comes time to register your vehicle or renew your license, the Greer branch of the South Carolina DMV can assist you with all your needs.

Public Transportation in Greer, SC

Only about 1 percent of residents walk to work and 4 percent work from home. The rest of the city’s residents rely on their cars to commute an average of 22 minutes. The average household in Greer has two cars. To ensure safe and legal driving, families need a car insurance policy that covers both vehicles. There are no public transit routes in Greer, so residents without a vehicle need to rely on Uber or Lyft.

Find local Greer agents

Owens Ins Agency Inc 
408 W Poinsett St, Greer, SC 29650-1550
Countybanc Insurance Inc. 
300 Trade St, Greer, SC 29651
First Choice Insurance Agency, Inc. 
503 Old Boiling Springs Rd, Greer, SC 29650-4241
Nationwide Insurance: Brad Hollifield
115 W Wade Hampton Blvd, Greer, SC 29650
AllSouth Insurance Group
103E Regency Commons Dr, Greer, SC 29650
Burnett Insurance Agency
101 School St, Greer, SC 29651
Hix Insurance Center Greer
706 W Wade Hampton Blvd, Greer, SC 29650
Nationwide Insurance: Brad Hollifield
115 W Wade Hampton Blvd, Greer, SC 29650
Owens Insurance and Financial Services
408 W Poinsett St, Greer, SC 29650
SEABROKERS INSURANCE
810 W Poinsett St, Greer, SC 29650

Insurify Insights: How Greer Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Greer, SC
suspended licenses
#39
Cities with Most
Suspended Licenses Rank

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 Greer 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.

Accidents in Greer

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. Greer drivers rank 29 in the number of car accidents per driver across all cities in South Carolina.

  • Rank within state: #29
  • Percent of drivers in Greer with an accident: 13.73%
  • Drivers in Greer, SC with an accident in their driving history paid on average 36.71% more than drivers with a clean record

Speeding in Greer

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in South Carolina, Greer drivers rank 39 in the number of speeding infractions per driver.

  • Rank within state: #39
  • Percent of drivers in Greer with a speeding ticket: 13.15%
  • Drivers in Greer, SC with a speeding ticket in their driving history paid on average 30.43% more than drivers with a clean record

DUI/DWIs in Greer

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Greer drivers rank 8 in the number of DUI’s per driver across all cities in South Carolina.

  • Rank within state: #8
  • Percent of drivers in Greer with a DUI: 1.96%
  • Drivers in Greer, SC with a DUI in their driving history paid on average --% more than drivers with a clean record

Rude in Greer

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, Greer drivers rank 12 in rude driving infractions.

  • Rank within state: #12
  • Percent of drivers in Greer with a reckless driving violation: 1.85%
  • Drivers in Greer, SC with a reckless driving violation in their driving history paid on average 12.08% more than drivers with a clean record.

Safest Drivers in Greer

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Greer drivers rank 20 in clean driving records across all cities in South Carolina.

  • Rank within state: #20
  • Percent of drivers in Greer with clean record: 74.74%

Failure to Yield the Right of Way in Greer

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Greer drivers rank 17 in failure to yield violations per driver across all cities in South Carolina.

  • Rank within state: #17
  • Percent of drivers in Greer with a failure to yield violation: 0.35%
  • Drivers in Greer, SC with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Greer

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, Greer drivers rank 13 in the number of reckless driving offenses per driver.

  • Rank within state: #13
  • Percent of drivers in Greer with a reckless driving offense: 0.23%

Most Popular Vehicle in Greer

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Greer is the Honda Accord.

How to get the best and cheapest car insurance in Greer, SC

Getting in an accident without car insurance in South Carolina can destroy your finances. Luckily, auto insurance in Greer is affordable, and you can compare quotes to get a low premium.

About 9 percent of South Carolina drivers don’t have car insurance. If you’re hit by a driver who isn’t insured, you’ll be covered by uninsured motorist coverage. But you may also want to purchase underinsured motorist coverage, which insurers in the state are required to offer. This can be helpful if the at-fault driver doesn’t have enough coverage to pay for your injuries or the damages to your vehicle.


FAQs - Greer, SC Car Insurance

How much does car insurance in Greer cost?

The average cost of car insurance in Greer is $111 per month, which is less than the state and national averages. It’s possible to find car insurance for as low as $64 per month in Greer, however. The best way to ensure you get the lowest possible rate is to use a quote-comparison tool like Insurify.

Will my credit score impact my premium for car insurance in Greer?

Yes. People with no credit in South Carolina pay as much as 87 percent more for car insurance, with an average increase of 57 percent, when compared to people with excellent credit. Every insurer weighs your credit information differently, so it’s important to shop around for quotes from different insurers. You can use Insurify to quickly and easily find the best deal.

What are the minimum requirements for car insurance in Greer?

In South Carolina, you’ll need a minimum of $25,000 in bodily injury protection per person and $50,000 per accident. You’ll also need a minimum of $25,000 in property damage coverage per accident. You’re also required to carry uninsured motorist coverage in equal amounts. If you lease your car or have an outstanding loan on your vehicle, you may be required to have full coverage.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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