Cheapest Auto Insurance in Greer, South Carolina (2024)

USAA offers the cheapest car insurance in Greer, with minimum-coverage policies as low as $40 per month.

Sarah Sharkey
Written bySarah Sharkey
Sarah Sharkey
Sarah SharkeyInsurance Writer
  • 7+ years writing insurance and personal finance content

  • Contributor to top media, including USA Today

A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.

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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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Updated July 14, 2024

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Cheapest recent rates near Greer, South Carolina

Recent Greer, South Carolina car insurance prices for Buick, Cadillac, Audi , and more.

*Quotes generated for Insurify users in and around Greer, South Carolina within the last 10 days. Last updated on July 11, 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Greer, South Carolina within the last 10 days. Last updated on July 11, 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average cost of car insurance in Greer is $177 per month — lower than the statewide average of $223 per month but higher than the national monthly average of $160.

Greer’s small population of just over 42,000 could help keep its rates low compared to the rest of the Palmetto State.

The best way to find the lowest rate for your situation is to compare quotes from multiple insurance companies.

Quick Facts
  • USAA, Auto-Owners, and State Farm have the cheapest car insurance in Greer.

  • Yearly, Greer-based drivers pay a total average of $2,121 for car insurance.

  • USAA has the cheapest full-coverage insurance in Greer, with policies starting at $69 per month.

3 of the cheapest car insurance companies in Greer

Drivers in Greer pay an average of $177 per month for car insurance, but some of the best car insurance companies in the state offer average monthly rates of much less. The amount you pay for coverage will vary based on your unique situation and coverage needs.[1]

For example, teen drivers typically find better auto insurance rates through a different insurance company than senior drivers. Below, you’ll find some of the cheapest insurance companies highlighted for different situations.

Insurance CompanyIQ 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 CoverageLiability OnlyBest For
State Farm9.3$97$56Drivers with a speeding ticket
USAA9.4$87$50Liability-only coverage
Auto-Owners8.5$94$54Full-coverage insurance
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 drivers with a speeding ticket: State Farm

Compare personalized, real-time quotes
User Reviews
3.3
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.
$44/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.
$77/mo

State Farm has been in the insurance business for more than 100 years. If you have a speeding ticket in Greer, you may pay less on average with State Farm than you would with other insurers in the city. Additionally, State Farm offers lower average monthly rates to drivers with other incidents, like an accident or DUI.

Pros
  • Long history of providing car insurance

  • High AM Best rating

Cons
  • Gap insurance only available to drivers who finance their vehicles with State Farm

  • Must contact an agent to purchase a policy

Read more driver reviews of State Farm
Brenda - July 14, 2024
Verified

Again, Very Easy to Work With

They have been very easy to work with.

Ed - July 14, 2024
Verified

Compare

I have been with State Farm for over forty years and have nothing but good things to say about them. However, the rates keep going up, so the advice is to compare.

John - July 14, 2024
Verified

Good

It wasn't bad for years, but recently the rates have skyrocketed.

Best insurer for liability-only coverage: USAA

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User Reviews
3.7
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.
$40/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.
$69/mo

Offering some of the cheapest car insurance policies in Greer, USAA’s one drawback is that only drivers with a sufficient military connection can join USAA. You must be a military member, veteran, or immediately related to someone who meets the criteria. The company has consistently high J.D. Power ratings in the Southeast region.[2] Plus, you can tap into a long list of available discounts to save even more on your car insurance costs.

Pros
  • Some of the cheapest average premiums for liability-only coverage in Greer

  • Many available discounts

Cons
  • Only available to military members, veterans, and their families

  • Gap insurance not available

Read more driver reviews of USAA
Jane - July 14, 2024
Verified

Easy

Great

Ann - July 13, 2024
Verified

Mediocre Company

They are requiring us to cover our house for more than we feel is necessary. Their deductible for hail damage is $10,000 and the premiums are high.

Laurence - July 13, 2024
Verified

Greed and Lack of Respect

It's almost impossible to reach them by phone. They are rapidly raising rates without cause, despite my loyalty of over 58 years.

Best insurer for full-coverage insurance: Auto-Owners

Compare personalized, real-time quotes
User Reviews
3.8
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.
$43/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.
$75/mo

Auto-Owners Insurance is one of the cheapest options for drivers choosing a full-coverage policy, based on Insurify data. In contrast to USAA, Auto-Owners Insurance coverage is available to everyone, regardless of military affiliation. But you might have to work with a local agent either in the agent’s office or over the phone to finalize your coverage.

Pros
  • Many available discounts

  • Plenty of optional coverages, including gap insurance

Cons
  • Below-average J.D. Power customer satisfaction ratings[2]

  • Limited online functionality 

Read more driver reviews of Auto-Owners
Kevin - July 2, 2024
Verified

Great, Except for the Price

I recommend checking prices with other providers.

Nancy - June 27, 2024
Verified

Excellent

They have beaten all insurance quotes for the coverage I have.

Ronald - June 21, 2024
Verified

Rate Increases Too Much for Someone on a Fixed Income

There's always someone else who is cheaper.

How to get the cheapest car insurance in Greer

Getting cheap car insurance is a top priority for many drivers. Here’s how to lower your costs:

  • Shop around. The cost of car insurance varies by company. If you want to find the best rates for your situation, it’s necessary to compare quotes.

  • Raise your deductible. In general, opting for a higher deductible leads to a lower rate. If you can comfortably afford to pay a higher deductible after filing a claim, consider making this change.

  • Maintain a good credit score. A good credit history can mean lower car insurance costs. Consider building your credit score by making on-time bill payment a priority.

You can also look for insurers that offer discounts you’re likely to be eligible for.

“Taking advantage of available discounts, such as safe driver discounts or bundled policies, can further reduce premiums,” says Rikin Shah, licensed insurance agent and co-founder of online life insurance agency GetSure.

Learn More: 12 Ways to Lower Your Car Insurance Premiums

Learn More: 12 Ways to Lower Your Car Insurance Premiums

Find Car Insurance in Greer, South Carolina

Liability rates start at $40 per month

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Cheapest liability-only car insurance in Greer: USAA

Liability-only car insurance covers the cost of damage and injuries you cause during an accident. Like many other states, South Carolina requires all drivers to purchase minimum liability limits.[3] While this coverage compensates the other driver for injuries and damages you cause in an accident, this type of coverage won’t help you repair your vehicle or pay for your medical bills.[4]

Greer drivers pay a monthly average of $154 for liability-only insurance. The following table shows the cheapest car insurance companies for liability-only coverage in Greer.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA$40
Auto-Owners$43
State Farm$44
GEICO$48
Nationwide$65
Safeco$67
Allstate$69
Travelers$75
Progressive$87
State Auto$90
Midvale Home & Auto$96
Direct Auto$109
Liberty Mutual$123
Dairyland$125
National General$140
The General$140
AssuranceAmerica$166
Bristol West$171
GAINSCO$190
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 Greer: USAA

Full-coverage auto insurance offers more financial protection than liability-only coverage. It includes comprehensive and collision coverage. Comprehensive covers incidents like theft, vandalism, weather damage, and falling objects hitting your car. After an at-fault accident, collision coverage can help pay for damage to your vehicle, and your liability policy will cover the other driver’s vehicle.[4]

If you lease or finance your vehicle, your lender might require you to carry a full-coverage policy.[4] But even if you don’t have to carry this insurance, it can provide worthwhile peace of mind for your wallet.

On average, full-coverage policies cost $199 per month for drivers living in Greer. Here are the cheapest car insurance companies for full-coverage policies in Greer.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA$69
Auto-Owners$75
State Farm$77
GEICO$83
Safeco$110
Nationwide$113
Allstate$120
Travelers$129
Progressive$137
State Auto$142
Midvale Home & Auto$151
Direct Auto$187
AssuranceAmerica$195
National General$205
Liberty Mutual$225
The General$263
Dairyland$272
Bristol West$305
GAINSCO$334
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 Greer, South Carolina

Recent Greer, South Carolina car insurance prices for Ford, Cadillac, Buick , and more.

*Quotes generated for Insurify users in and around Greer, South Carolina within the last 10 days. Last updated on July 11, 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Greer, South Carolina within the last 10 days. Last updated on July 11, 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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in South Carolina

South Carolina requires drivers to carry a minimum amount of car insurance to drive legally. Based on the South Carolina tort law, you must carry at least the state-minimum auto insurance coverage.[3]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident
Uninsured motorist coverage$25,000 per person / $50,000 per accident for bodily injury liability; $25,000 per accident for property damage liability

Cheapest car insurance for drivers with an incident

An incident on the road — including speeding tickets, driving under the influence, and at-fault accidents — can lead to higher insurance costs. After an incident, insurance companies consider these drivers riskier to insure, which leads to higher premiums.

Shop for Car Insurance in Greer, SC

Monthly rates start at $51 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: USAA

When you get a speeding ticket, you can usually expect to pay more for car insurance.[1] Even so, you can avoid overpaying by comparing quotes across multiple insurance companies.

Liability insurance for Greer drivers with a speeding ticket costs $229 per month for liability coverage and $296 per month for full coverage, on average.

The table below highlights the most affordable rates for drivers in Greer with a speeding ticket.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
USAA$40$53
Auto-Owners$43$57
State Farm$44$58
GEICO$48$64
Nationwide$65$87
Safeco$67$90
Allstate$69$92
Travelers$75$100
Progressive$87$116
State Auto$90$129
Midvale Home & Auto$96$132
Direct Auto$109$145
Liberty Mutual$123$179
Dairyland$125$167
National General$140$186
The General$140$188
AssuranceAmerica$166$225
Bristol West$171$226
GAINSCO$190$276
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

At-fault accidents on your driving record are a red flag to insurance companies, which often leads to higher insurance costs.[1] If you cause an accident, expect your insurance costs to rise.

Liability insurance costs $235 per month, on average, for Greer drivers with an accident.

Check out the lowest average monthly quotes for Greer drivers with an at-fault accident on their record.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
USAA$40$55
Auto-Owners$43$59
State Farm$44$61
GEICO$48$67
Nationwide$65$91
Safeco$67$90
Allstate$69$96
Travelers$75$105
Progressive$87$122
State Auto$90$136
Midvale Home & Auto$96$141
Direct Auto$109$154
Liberty Mutual$123$185
Dairyland$125$173
National General$140$195
The General$140$198
AssuranceAmerica$166$230
Bristol West$171$234
GAINSCO$190$254
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

Driving under the influence is a serious issue that most insurance companies penalize with higher rates or nonrenewal.[5] For Greer-based drivers with a DUI, the average monthly quote for liability-only coverage is $266, and full coverage is $343.

Below are the top car insurance companies in Greer, South Carolina, for drivers with DUIs on their records.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
USAA$40$68
Auto-Owners$43$73
State Farm$44$75
GEICO$48$82
Nationwide$65$111
Safeco$67$114
Allstate$69$118
Travelers$75$128
Progressive$87$148
State Auto$90$153
Midvale Home & Auto$96$164
Direct Auto$109$186
Liberty Mutual$123$210
Dairyland$125$213
National General$140$239
The General$140$239
AssuranceAmerica$166$283
Bristol West$171$292
GAINSCO$190$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.

Cheapest car insurance for seniors: USAA

Age can have an effect on your car insurance costs. In general, more experience behind the wheel leads to more affordable car insurance. While rates usually decrease around age 25, drivers older than 70 might start to see their rates climb again due to potentially decreased physical and mental capacities.[6]

The average monthly cost of liability-only insurance for Greer seniors is $121. Explore the cheapest coverage options for Greer seniors in the table below.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
USAA$54$31
Auto-Owners$57$33
State Farm$58$33
GEICO$65$37
Nationwide$82$47
Safeco$88$53
Allstate$94$54
Progressive$96$61
Travelers$99$57
State Auto$106$67
Midvale Home & Auto$113$72
Direct Auto$141$82
AssuranceAmerica$144$122
National General$156$107
Liberty Mutual$177$97
The General$209$111
Dairyland$212$97
Bristol West$238$133
GAINSCO$270$153
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

Age translates into years of experience behind the wheel. Since young drivers have limited experience on the road, most insurance companies charge higher rates for teenage drivers. In general, rates remain relatively high until a driver hits age 25.[1]

Liability coverage costs $276 per month for teen drivers in Greer, on average.

The good news is that teens can take action to lower their car insurance costs. For example, teen drivers might choose to stay on their parents’ insurance, drive a safe vehicle, raise their deductible, or maintain good grades in school to get a good student discount.[7]

But you can still secure affordable rates as a teen driver by starting your search and comparing the most affordable policies for young Greer drivers, as shown below.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
USAA$115$67
Auto-Owners$129$74
GEICO$131$76
State Farm$131$75
Nationwide$194$112
Allstate$211$121
Safeco$228$139
Travelers$232$135
Progressive$247$157
State Auto$252$160
Midvale Home & Auto$261$166
Direct Auto$341$199
AssuranceAmerica$362$308
National General$396$270
Liberty Mutual$414$226
The General$425$226
Dairyland$454$209
Bristol West$519$291
GAINSCO$593$337
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.

Greer car insurance quotes by credit tier

In South Carolina, insurers can consider your credit history in their auto premium calculations.[8] In general, drivers with poor credit scores pay more for car insurance than drivers with excellent or good credit scores.

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 Greer?

Drivers in Greer pay lower car insurance costs than drivers in other parts of the Palmetto State. On average, drivers in South Carolina pay $223 per month for car insurance. But drivers in Greer pay an average of $177 per month.

When compared to other cities, like Columbia and Charleston, drivers in Greer pay significantly less. The range of car insurance costs is partially tied to ZIP code-specific factors, like crime and traffic congestion.[1]

More cities in South Carolina

Explore the average monthly cost of car insurance for drivers in other South Carolina cities below.

CityFull CoverageLiability Only
Charleston$322$205
Columbia$292$179
Greenville$249$165
Lexington$246$159
Myrtle Beach$212$146
North Charleston$352$235
Rock Hill$292$189
Summerville$324$212
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.

Greer car insurance FAQs

If you’re shopping for car insurance in Greer, here’s some additional information that may help. You can also check out Insurify’s guides on the best auto insurers for high-risk drivers and car insurance rates by state to learn more about how where you live and your driving history can affect rates. 

  • How much is car insurance in Greer?

    Car insurance in Greer, South Carolina, costs an average of $199 per month for full coverage and $154 per month for liability coverage.

  • Which companies have the cheapest car insurance in Greer?

    The cheapest car insurance companies in Greer are USAA, Auto-Owners, and State Farm. Their liability rates start at $40, $43, and $44 per month, respectively.

    While these are the cheapest insurers, compare multiple quotes with the same coverage options to find the company that offers the coverage you need at the best price.

  • What are the best car insurance companies in Greer?

    Among the top car insurance companies in Greer are USAA, Auto-Owners, and State Farm. Not only do these companies have the lowest average rates, according to Insurify data, but they balance solid J.D. Power scores in the Southeast region, high AM Best ratings, and top IQ Scores.

  • How much car insurance do you need in South Carolina?

    South Carolina requires drivers to purchase minimum policy limits of $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability. In addition, the state also requires uninsured motorist coverage at the same liability limits.[3]

  • Is South Carolina a no-fault state?

    No. South Carolina is a tort, or at-fault, state. Drivers who cause accidents are responsible for paying for the damages and injuries of other parties through their liability coverage.[3]

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. III. "What determines the price of an auto insurance policy?."
  2. J.D. Power. "2023 U.S. Auto Insurance Study."
  3. South Carolina Department of Insurance. "Automobile Insurance."
  4. III. "Auto insurance basics—understanding your coverage."
  5. III. "Do auto insurance premiums go up after a claim?."
  6. III. "Senior driving safety and insurance tips."
  7. III. "Auto insurance for teen drivers."
  8. South Carolina Department of Insurance. "Auto Insurance: A Shopping Guide for Consumers."
Sarah Sharkey
Sarah SharkeyInsurance Writer

Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.

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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