Cheap Auto Insurance in Greenville, South Carolina (2024)

Nestled in the northwest corner of South Carolina, Greenville doesn't get the kind of severe weather that affects insurance rates in coastal areas of the state. But the city is located in Greenville County, which had the highest number of accidents in 2021, according to the most recent data from the South Carolina Department of Public Safety.

Those factors likely influence Greenville's auto insurance rates, which are on par with state averages. The average cost of car insurance in Greenville is $215 per month for full coverage and $166 monthly for liability-only. By comparison, South Carolina's state averages are $270 and $164, respectively.

Greenville drivers can find cheap car insurance by comparing rates from multiple insurance companies.

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.

Best car insurance overall: Travelers

Best cheap car insurance in Greenville: Progressive

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

Best car insurance in Greenville for senior drivers: Nationwide

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

Best car insurance in Greenville for young drivers: Liberty Mutual

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.^[1]

• 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.

How to get the cheapest car insurance in Greenville

Finding the cheapest car insurance in Greenville will depend on some factors outside your control, like your ZIP code, age, and gender.^[2] 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. It's typically cheaper than full coverage, but doesn't provide as much financial protection, so you should carefully consider your ability to cover potential out-of-pocket expenses.

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.^[3]

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.

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.^[2]

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 liability-only car insurance in Greenville based on driving and accident history.

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 history to determine the likelihood that you’ll file an insurance claim.^[4]

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.^[5]

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.^[2] This added risk leads to increased prices for young drivers.

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

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.^[2]

Car insurance in Greenville costs an average of $166 per month for liability-only coverage. This is more than insurance in other South Carolina cities, like Myrtle Beach, but less than cities like Charleston. Here monthly average car insurance rates in different South Carolina cities.

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