Car insurance is a legal requirement for vehicle owners in Greenville, South Carolina. The average annual cost of car insurance in Greenville is $1,410 for a full coverage policy and $573 for a minimum coverage policy.
According to the South Carolina Department of Public Safety, there were 17,255 accidents in Greenville County in 2018, the highest of any county in South Carolina in that year. Having a car insurance policy that fits your needs is essential. We did the research to find the best cheap car insurance in Greenville based on factors like average rates, coverage options, customer service scores and available discounts.
Best car insurance companies in Greenville
Greenville drivers have many options when it comes to car insurance. To choose the best car insurance companies in Greenville, we looked for below-average rates, generous discounts and good coverage options, as well as strong financial scores and thirty-party ratings.
|Insurance company||J.D. Power score
|Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||857 / 1,000||$383||$1,043|
|Auto-Owners||854 / 1,000||$408||$1,232|
|Progressive||848 / 1,000||$603||$1,283|
|USAA||909 / 1,000||$477||$1,267|
|Southern Farm Bureau||N/A||$622||$1,369|
Quadrant Information Services, 2020
Geico offers cheap car insurance rates for drivers in Greenville. The company also has a long list of discounts, including savings for military personnel, federal employees, good students, safe drivers, having a vehicle with safety equipment, paying in full and more. Geico’s car insurance coverage is fairly basic, but drivers have the option to add roadside assistance, rental car replacement and mechanical breakdown insurance for more protection.
Not only does Auto-Owners have affordable rates, but the company also offers valuable endorsements. Drivers can upgrade their policy with diminished value coverage, gap insurance, roadside assistance and the Personal Automobile Plus Package, which includes 10 additional coverages, like cell phone replacement coverage and lock replacement reimbursement.
Progressive is well known for online tools and resources. Greenville drivers can use the Name Your Price Tool to find coverage options within their budget and can even compare Progressive’s prices to other popular providers. Progressive also offers an impressive list of discounts. There are savings for bundling your policies, having continuous insurance, being a good student, owning a home, getting a quote online, enrolling in paperless statements and more.
USAA is an insurance carrier that only sells policies to active duty and retired military personnel and certain family members. If you qualify, the company offers low rates, great customer service and reliable coverage. USAA offers discounts for good students, safe drivers, garaging your vehicle on a military base, taking a driver training course and more. There are also flexible payment plans available.
Southern Farm Bureau
Southern Farm Bureau has below-average full coverage rates in the Greenville area and generous savings opportunities to help drivers save even more. Additionally, Southern Farm Bureau offers DriveDown, which is the company’s deductible rewards program. Drivers who consistently practice safe driving behavior can lower their deductible and automatically save 5% after their first trip.
Cheapest car insurance in Greenville
The average cost of car insurance in Greenville is comparable to the average rates in South Carolina. The average South Carolina driver pays $1,512 annually for full coverage insurance and $558 annually for minimum coverage insurance, whereas the average Greenville driver pays $1,410 per year for full coverage and $573 per year for minimum coverage. Full coverage car insurance in Greenville is lower than the state average, but minimum coverage is slightly higher. For comparison, the national average premium is $1,674 per year for a full coverage policy and $565 per year for a minimum coverage policy.
There are a number of factors that impact car insurance rates, and the provider you choose is one of them. The table below includes the cheapest car insurance rates in Greenville from the most popular carriers based on market share.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Greenville drivers who are looking for the cheapest car insurance in South Carolina may want to look beyond average premium when comparing providers. For instance, USAA only sells insurance to military personnel and some family members, so some drivers will not qualify for its coverage. Drivers who are not affiliated with the military and want a cheap rate may want to consider Geico or Travelers instead.
In terms of coverage options, Allstate, Auto-Owners and Travelers stand out from the rest. Additionally, every company offers different discounts, so determining which discounts you qualify for may be an important factor in your insurance decision.
Greenville insurance requirements
Car insurance in Greenville is legally required if you own a vehicle that is actively registered in the state of South Carolina. Drivers must carry at least 25/50/25 personal liability coverage, which includes:
- $25,000 in bodily injury liability coverage per person
- $50,000 in bodily injury liability coverage per accident
- $25,000 in property damage liability coverage per accident
Drivers who purchase a minimum coverage policy often pay the lowest rate. However, minimum coverage insurance may not cover the full cost of an accident, and drivers could be left with out-of-pocket costs in the event of an at-fault loss. Similarly, liability only coverage does not offer any protection for your own vehicle. Additionally, if you lease or finance your vehicle, most lenders will require you to carry full coverage insurance.
Car insurance discounts in Greenville
Most car insurance companies in Greenville offer discounts that can help drivers lower their insurance costs. Some of the most common discounts in Greenville include:
- Multi-policy discount: Drivers who purchase two policies from the same carrier, such as home and auto insurance, often qualify for a discounted premium.
- Claims-free discount: If you have no accidents on your record within the last several years, your insurance company may extend a claims-free discount.
- Vehicle safety equipment discount: You can often get a lower car insurance premium if your vehicle has safety features like an anti-theft device or anti-lock brakes.
- Smart student discount: Students who maintain a minimum GPA in high school or college can often get a discount on their insurance policy.
Frequently asked questions
What is the best car insurance company?
The best car insurance company is different for every driver. Some drivers are looking for the cheapest rates, some are looking for specific coverage options and others are looking for good customer service. The best way to find the right car insurance company for you is to compare providers using your personal criteria and obtain multiple quotes for the type and amount of coverage you need.
How much does car insurance in Greenville cost?
In Greenville, the average full coverage car insurance policy costs $1,410 per year and the average minimum coverage policy costs $573 per year. Car insurance premiums in Greenville are comparable to the South Carolina statewide average premium.
How much car insurance do I need in Greenville?
Drivers in Greenville must carry at least 25/50/25 personal liability coverage. However, many insurance companies generally recommend that drivers increase their liability coverage limits for more protection in the event of an at-fault accident. Additionally, depending on your situation, full coverage insurance may be the right choice. Talking to a licensed insurance agent about your specific car insurance needs may be helpful.
Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.