South Carolina requires vehicle owners to carry car insurance in Greenville. 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 Bankrate’s 2021 study of quoted annual premiums. According to our research, Geico and Allstate offer the cheapest average annual minimum coverage premiums, while Geico and Travelers offer the cheapest average annual full coverage premiums, which include comprehensive and collision protection.
Some drivers may be looking for the cheapest car insurance in Greenville, while others might be interested in finding top-notch customer service and a smooth mobile app experience. Bankrate’s editorial team analyzed several factors to determine our picks for the best car insurance companies in Greenville so that you can find the best coverage for your individual preferences.
- When it comes to J.D. Power’s annual auto insurance study on customer satisfaction, USAA and Auto-Owners are the best car insurance companies on our list. It’s worth noting that USAA is only available to military and qualifying family members, however.
- Geico offers the cheapest car insurance in Greenville on our list, with an average minimum coverage premium of $383 and an average full coverage premium of $1,043. Geico also offers the cheapest car insurance in South Carolina at large, according to our rate study.
- The average rate for car insurance in Greenville is $1,410 per year for full coverage insurance and $573 per year for minimum coverage.
Best car insurance companies in Greenville
Greenville drivers have many options when it comes to car insurance. To find you the best car insurance companies in Greenville, Bankrate’s editorial team utilized the latest premium data from Quadrant Information Services and researched customer satisfaction using the 2021 J.D. Power 2021 U.S. Auto Insurance Study. We searched for companies offering strong customer service, effective online tools and generous discounts to find you the best car insurance in Greenville.
|Insurance company||J.D. Power auto insurance study score
|Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||843 / 1,000||$383||$1,043|
|Auto-Owners||849 / 1,000||$408||$1,232|
|Progressive||828 / 1,000||$603||$1,283|
|USAA*||890 / 1,000||$477||$1,267|
|Southern Farm Bureau||N/A||$622||$1,369|
Quadrant Information Services, 2021
USAA is not officially ranked by J.D. Power due to eligibility restrictions.
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 can add roadside assistance, rental car replacement and mechanical breakdown insurance for more protection.
Learn more: Geico Insurance review
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, including 10 additional coverages, like cell phone replacement coverage and lock replacement reimbursement.
Learn more: Auto-Owners Insurance review
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 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.
Learn more: Progressive Insurance review
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.
Learn more: USAA Insurance review
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.
Learn more: Southern Farm Bureau Insurance review
Cheapest car insurance in Greenville
Greenville’s average cost of car insurance hovers around South Carolina’s state averages of $1,512 per year for full coverage insurance and $558 per year for minimum coverage insurance. Nationally, drivers pay an average of $1,674 per year for full coverage and $565 per year for minimum coverage insurance. While Greenville drivers pay a few dollars more for minimum coverage insurance than the national average, they spend an average of $264 less for full coverage.
Greenville’s relatively low rates mean drivers can choose from several competitive insurance providers. In the table below, Bankrate’s editorial team compiled Greenville’s cheapest car insurance companies from the most popular carriers based on market share.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Drivers looking for the best cheap car insurance in Greenville may want to consider factors beyond price. For instance, USAA only sells insurance to military personnel and some family members, so drivers not affiliated with the military may want to consider Geico or Travelers for low rates.
Allstate, Auto-Owners and Travelers stand out for offering customizable coverage options, and each company offers different discounts. You may want to look into which discounts you qualify for when choosing the best car insurance in Greenville for your needs.
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
South Carolina also requires drivers to carry uninsured motorist coverage equal to the minimum liability limits of $25,000 per person and $50,000 per accident.
Drivers who purchase a minimum coverage policy often pay the lowest rate. However, minimum coverage insurance may not cover the total cost of an accident, and drivers could be left with out-of-pocket expenses in the event of an at-fault loss. Similarly, liability-only coverage does not offer any protection for your own vehicle. If you lease or finance your car, most lenders will require you to carry full coverage insurance, including collision and comprehensive insurance, to protect their asset.
With these considerations in mind, you may want to do some research to find the best car insurance in South Carolina for your needs.
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.
- Telematics discount: You can often get a lower car insurance premium if you practice safe driving and agree to allow your insurance company to track your driving habits.
- 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 and 25/50 uninsured motorist coverage. However, many insurance companies generally recommend that drivers increase their liability coverage limits for more protection in 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 2021 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 base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.