Cheapest Auto Insurance in Greenville, South Carolina (2026)
USAA offers the cheapest coverage in Greenville, with a liability rate of $65 per month.
Secure. Free. Easy-to-use.
Excellent
)
Written byJanet Berry-Johnson
)
Janet Berry-JohnsonInsurance Writer, CPA
8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
Featured in
){kind=logo}
){kind=logo}
){kind=logo}
){kind=small}
)
Edited byKatie Powers
)
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
){kind=small}
){kind=small}
)
Reviewed byDaniel Roccato
)
Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Greenville, South Carolina, drivers pay an average of $154 per month for liability insurance, compared to the statewide average of $157 and the nationwide average of $99 per month.
Roughly 80% of Greenville residents drive alone to commute to their jobs, and traffic volume has increased substantially in recent years.[1] These factors are at least partly to blame for the higher-than-average car insurance rates in Greenville.
Understanding the factors that influence car insurance rates and shopping around for coverage options from multiple insurers can help you find affordable car insurance in Greenville.
Quick Facts
USAA, Auto-Owners, and State Farm have the cheapest liability insurance in Greenville.
The average monthly cost of full-coverage insurance is $173 in the U.S., $227 in South Carolina, and $220 in Greenville.
South Carolina drivers must carry uninsured motorist coverage with a $200 deductible.[2]
3 of the cheapest car insurance companies in Greenville
Your best option for cheap car insurance depends on your unique needs, driving history, vehicle, and more. While the cheapest option may be appealing, you also need to make sure it provides the right coverage.
The table below highlights three of the cheapest car insurance companies in Greenville. The quotes provided below reflect average statewide costs in South Carolina.
Insurance Company  | 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. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| USAA | 9.1 | $108 | $70 | Veterans |
| State Farm | 9.3 | $120 | $77 | Customer service |
| Auto-Owners | 8.2 | $116 | $75 | Cheap rates |
Disclaimer: Table data sourced from real-time Greenville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Greenville 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 55,000 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 veterans: USAA
| User Reviews | 4.9 |
|---|---|
| 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. | 9.1 /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. | $65/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. | $107/mo |
4.9
Best choice in Greenville, SCBased on 3,322 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Greenville for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Greenville for
Members of the military community
Outstanding customer service
Competitive rates
Showing 17 South Carolina reviews for Greenville drivers - See all 1,518 USAA reviews
Napoleon
Verified Review
USAA Praise Review
Reviewed in South Carolina on February 28, 2026
I've been with USAA for many years. I have no complaints. They handle claims quickly and are very easy to work with. I highly recommend them to my friends and family. Thank you, USAA.
Paul
Verified Review
Great claims handling
Reviewed in South Carolina on February 20, 2026
Whether it was an accident or a window replacement, the claim was handled very quickly and with no delay.
James
Verified Review
USAA OK!
Reviewed in South Carolina on January 14, 2026
USAA treats members fairly and respectfully.
Lewis
Verified Review
Watch your rates, they will double them for no reason.
Reviewed in South Carolina on January 13, 2026
Keep a close eye on them; they will steadily increase your prices. They doubled mine in 6 months, with no accidents or tickets.
Kelly
Verified Review
USAA has dropped off
Reviewed in South Carolina on January 13, 2026
USAA offers any coverage you could ask for. However, don’t expect them to handle claims efficiently. I'm sitting on one claim that’s just gotten to arbitration after 2 years.
Chris
Verified Review
USS-No way
Reviewed in South Carolina on December 14, 2025
Paying almost twice as much as other companies. I think they're punishing me for an accident where I was hit by a drunk driver and could have died. The car was totaled.
Fred
Verified Review
USAA lied about coverage
Reviewed in South Carolina on November 1, 2025
I've had USAA for 6 months. I was told an accident I had 3 years ago would be off my record by the time it renewed. I called back when I found out it did not and would not be for 2 more years. I was also told that the mileage tracker was just like a game and they knew nothing about my total mileage. Now I just don't trust anything they say!
Edward
Verified Review
USAA
Reviewed in South Carolina on October 27, 2025
It's too high.
Sandra
Verified Review
Not happy with Policy costs, Auto, Renters, Umbrella
Reviewed in South Carolina on October 25, 2025
I have been with USAA for years and the cost is very high compared to others. I am seriously thinking of changing.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
South Carolina has the eighth-highest military retiree population in the U.S., and USAA offers insurance and other financial products for veterans, military members, and their families.
Pros
Offers bundling discounts
Highly rated mobile app
Cons
Only available to active military, veterans, and their families
Doesn’t offer motorcycle insurance or coverage for ATVs, RVs, boats, or personal watercraft
Best insurer for customer service: State Farm
| User Reviews | 4.0 |
|---|---|
| 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. | $72/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. | $118/mo |
4.0
Best choice in Greenville, SCBased on 16,576 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Greenville for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Greenville for
Customer service
Competitive rates
Discounts for safe drivers
Showing 43 South Carolina reviews for Greenville drivers - See all 7,303 State Farm reviews
Harriett
Verified Review
Coverage Issues
Reviewed in South Carolina on March 31, 2026
They claim you don't have the coverages you paid for when you're in an accident. They like to say that full coverage isn't a thing, yet when making the policy, it is.
Cheryl
Verified Review
Disappointed I Got Dropped
Reviewed in South Carolina on March 25, 2026
They just dropped me as of the May 30, 2026 renewal period.
Justin
Verified Review
Good and Fair
Reviewed in South Carolina on March 22, 2026
Needs to have more discounts for having a policy with them, safe driving, and for a clean driving record.
Freddie
Verified Review
I think I can beat their price.
Reviewed in South Carolina on March 16, 2026
Customer service is excellent. I think their price is high.
Gary
Verified Review
They misinformed us about the homeowners insurance, saying we would have to renew the policy every year. I called and asked if our insurance was okay, and the guy I spoke with said it was fine. Our heat pump caught on fire due to a power surge, and when we filed a claim a few days later, the adjuster called and said we no longer had insurance. Apparently, it was canceled on February 14th. We tried to go in person to fix it, but our agent was out, so another guy was working on it and said he was trying to get ahold of Dover Insurance. We never heard from him. We called the next day, but the agent was busy. The receptionist said she would have him call in a few minutes, and he finally called back at 3:40. By this point, we found car and homeowners insurance elsewhere, and it was significantly cheaper. They were totally useless when we were trying to get the insurance reinstated. Oh, and because it was canceled, it was going to be a huge price to get it back. State Farm totally and completely dropped the ball. Very disappointed with that agency.
Reviewed in South Carolina on March 5, 2026
They misinformed us about the homeowners insurance, saying we would have to renew the policy every year. I called and asked if our insurance was okay, and the guy I spoke with said it was fine. Our heat pump caught on fire due to a power surge, and when we filed a claim a few days later, the adjuster called and said we no longer had insurance. Apparently, it was canceled on February 14th. We tried to go in person to fix it, but our agent was out, so another guy was working on it and said he was trying to get ahold of Dover Insurance. We never heard from him. We called the next day, but the agent was busy. The receptionist said she would have him call in a few minutes, and he finally called back at 3:40. By this point, we found car and homeowners insurance elsewhere, and it was significantly cheaper. They were totally useless when we were trying to get the insurance reinstated. Oh, and because it was canceled, it was going to be a huge price to get it back. State Farm totally and completely dropped the ball. Very disappointed with that agency.
Robert
Verified Review
Average
Reviewed in South Carolina on February 28, 2026
They consistently increase rates.
Sheila
Verified Review
State Farm Insurance Not Worth the Cost
Reviewed in South Carolina on February 26, 2026
Very expensive and keeps going up in price, not worth it. Roadside assistance is also very expensive. You can't use the tow service because it only covers 10 miles, and then it's $200 for a tow after that. Overall, very much not worth it. I'm not happy with this company at all.
Barbara
Verified Review
Totally Disappointed
Reviewed in South Carolina on February 21, 2026
Just be aware that if you have claims beyond your control, they will non-renew your policy.
Shirley
Verified Review
I had a very good experience with them until my niece joined. She had too many accidents, so they discontinued my insurance. Same household, same insurance.
Reviewed in South Carolina on February 16, 2026
I had a very good experience with them until my niece joined. She had too many accidents, so they discontinued my insurance. Same household, same insurance.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Available nationwide, State Farm provides personalized service through its large network of agents. This makes it a great choice for Greenville residents who prefer face-to-face interactions over working with a call center.
Pros
Multiple discounts available to lower your premiums
25 agents in the Greenville area provide accessible, personalized service
Cons
Higher premiums than some competitors — especially after an incident
Customer service can depend on the local insurance agency
Best insurer for cheap rates: Auto-Owners
| User Reviews | 4.3 |
|---|---|
| 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. | 8.2 /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. | $70/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. | $114/mo |
4.3
Best choice in Greenville, SCBased on 323 verified driver reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best in Greenville for
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best in Greenville for
Cheap rates
Senior drivers
Ample discounts
Showing 4 South Carolina reviews for Greenville drivers - See all 148 Auto-Owners reviews
Warren
Verified Review
Punishment for 65+ years of no problems.
Reviewed in South Carolina on February 1, 2026
I have been licensed since two weeks before my 14th birthday, in other words, 65+ years. I had 2 tickets and 1 accident (that was in July 2024). It cost me a $25 fine and no points, yet my rate increased by 60%. This was the only claim against me over the years. I don't drive much, about 10,000 miles a year if that much, and yet I'm being punished for years of no problems. BTW, the patrolman questioned the ability of the on-lookers of the accident.
Mike
Verified Review
Solid car insurance company
Reviewed in South Carolina on December 22, 2025
They're very easy to talk to and will walk you through anything you need.
Michael
Verified Review
Best Kept Secret!
Reviewed in South Carolina on September 22, 2025
Fast claim response. Very courteous and professional. For what I need, no other company comes close in price for the last 10+ years.
Wilmer
Verified Review
Excellent company, but I saved a considerable amount of money by switching to another company. I like Auto-Owners!
Reviewed in South Carolina on April 12, 2025
Excellent company, but I saved a considerable amount of money by switching to another company. I like Auto-Owners!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners is a good option for affordable coverage in Greenville, as the company offers some of the best insurance rates on average.
Pros
Offers policies for home, auto, life, and business insurance
When you bundle home and auto and have a claim that damages both, only one deductible applies
Cons
Quotes not available online — only through an independent agent’s office
No 24/7 claims service
How to get the cheapest car insurance in Greenville
Insurance companies consider various factors when setting rates, including your age, driving history, vehicle type, and even the ZIP code where you park your vehicle at night.
Here are some tips to help you find car insurance that fits your budget in Greenville.
Increase your deductibles. Choosing higher deductibles can lower your comprehensive and collision premiums. Just make sure you choose a deductible you can afford to pay out of pocket in case of a claim.
Maintain a clean driving record. Follow traffic laws to avoid accidents and moving violations. Insurance companies often offer safe driver discounts to drivers with clean records.
Bundle policies. Insurance companies offer discounts for drivers who bundle their car insurance with other policies, like home insurance, renters insurance, business insurance, or a life insurance policy.
Find Cheap Car Insurance in Greenville
Liability rates start at $65 per month
Excellent
4.7 out of 5 based on 13,063 reviews
Secure. Free. Easy-to-use.
Cheapest liability-only car insurance in Greenville: USAA
Liability-only auto insurance is the minimum coverage required in most states, including South Carolina. These policies cover damages and injuries you may cause to others in a car accident but don’t cover damage to your own vehicle.
The average cost of liability coverage in Greenville is $154 per month. Here are average liability quotes from some of the most affordable options in the city.
The below rates in Greenville, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $65 |
| Auto-Owners | $70 |
| State Farm | $72 |
| GEICO | $100 |
| Nationwide | $105 |
| Allstate | $112 |
| Travelers | $120 |
| Progressive | $124 |
| Safeco | $132 |
| State Auto | $146 |
| National General | $150 |
| Root | $150 |
| Direct Auto | $157 |
| Dairyland | $166 |
| The General | $173 |
| Liberty Mutual | $176 |
| GAINSCO | $177 |
| AssuranceAmerica | $185 |
| First Acceptance | $201 |
| Bristol West | $240 |
Disclaimer: Table data sourced from real-time Greenville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Greenville may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Greenville: USAA
Full-coverage car insurance includes liability coverage along with collision and comprehensive coverage. Collision coverage can help pay for repairs to your vehicle if you have an accident, and comprehensive insurance covers damage to your car resulting from non-collision events, such as theft, vandalism, or natural disasters.
Even though it costs more to buy full coverage, it’s a good idea to buy this coverage if you have a newer or higher-value vehicle. On average, full-coverage insurance in Greenville costs $220 per month.
The table below shows the companies offering the cheapest average monthly premiums for full-coverage car insurance in Greenville.
The below rates in Greenville, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $107 |
| Auto-Owners | $114 |
| State Farm | $118 |
| GEICO | $156 |
| Safeco | $168 |
| Nationwide | $174 |
| Allstate | $184 |
| Progressive | $186 |
| Travelers | $197 |
| Root | $222 |
| National General | $223 |
| Direct Auto | $224 |
| State Auto | $240 |
| AssuranceAmerica | $260 |
| Liberty Mutual | $281 |
| First Acceptance | $318 |
| GAINSCO | $329 |
| Dairyland | $343 |
| The General | $368 |
| Bristol West | $402 |
Disclaimer: Table data sourced from real-time Greenville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Greenville may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Greenville, South Carolina
Drivers using Insurify have found quotes as cheap as $78/mo for liability only and $158/mo for full coverage in Greenville and other South Carolina cities.
*Quotes generated for Insurify users in and around Greenville, South Carolina within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Greenville, South Carolina within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in South Carolina
South Carolina state law requires drivers to have proof of financial responsibility in their vehicles at all times. This means you must carry a minimum amount of liability insurance and uninsured motorist insurance to cover the cost of damages or injuries you may cause others in an accident.
South Carolina is an at-fault state, which means you need to cover the other driver’s medical bills and repair costs if you cause an accident.
Here are the minimum insurance coverage requirements for South Carolina auto insurance.[2]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist | Equal to liability limits; subject to a $200 deductible |
Because liability insurance doesn’t cover your vehicle, you should consider adding some common optional coverages to your auto policy.
Collision coverage
Collision insurance covers damage to your vehicle in the event of a collision with another vehicle or object, regardless of fault.
Comprehensive coverage
Comprehensive insurance protects against physical damage to your car from non-collision events, such as theft, fire, or natural disasters.
Medical payments coverage
Medical payments coverage helps pay for medical expenses for you and your passengers, regardless of who caused the accident.[3]
Rental reimbursement coverage
This provides a rental car while your vehicle receives repairs for a covered insurance claim.
Roadside assistance coverage
Roadside assistance coverage offers services like towing, flat-tire changes, and locksmith services if your car breaks down on the side of the road.
Cheapest car insurance for drivers with an incident
Incidents refer to events that negatively affect your driving record and, consequently, your insurance rates. These incidents include at-fault accidents, speeding tickets, driving under the influence (DUI), and other moving violations, such as reckless driving.
Having such incidents on your record signals to insurance companies that you pose a higher risk, and they may charge you higher rates than drivers without incidents. The average cost of coverage for a Greenville driver with a past incident is $181 per month for liability coverage and $258 for full coverage.
Shop for Car Insurance in Greenville, SC
Monthly rates start at $81 for drivers with an incident
Excellent
4.7 out of 5 based on 13,063 reviews
Secure. Free. Easy-to-use.
Cheapest car insurance for drivers with a speeding ticket: USAA
When you receive a speeding ticket, it signals to car insurance companies that you engage in risky driving behaviors and may be at a higher risk of an accident. Insurance companies typically charge higher rates for drivers with speeding tickets on their records.
On average, Greenville drivers with a past ticket pay $183 per month for liability insurance and $262 per month for full coverage.
Compare average monthly car insurance rates from several car insurance companies in Greenville for drivers with a clean record and people with one speeding ticket.
The below rates in Greenville, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| USAA | $65 | $82 |
| Auto-Owners | $70 | $89 |
| State Farm | $72 | $89 |
| GEICO | $100 | $127 |
| Nationwide | $105 | $133 |
| Allstate | $112 | $142 |
| Travelers | $120 | $152 |
| Progressive | $124 | $147 |
| Safeco | $132 | $170 |
| State Auto | $146 | $190 |
| National General | $150 | $182 |
| Root | $150 | $195 |
| Direct Auto | $157 | $191 |
| Dairyland | $166 | $202 |
| The General | $173 | $226 |
| Liberty Mutual | $176 | $218 |
| GAINSCO | $177 | $205 |
| AssuranceAmerica | $185 | $229 |
| First Acceptance | $201 | $239 |
| Bristol West | $240 | $294 |
Disclaimer: Table data sourced from real-time Greenville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Greenville may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
An at-fault accident results in direct costs to the insurance company for claims made under your policy. So insurance companies often raise premiums for drivers with one or more past accidents to compensate for these expenses. The rate increase can vary depending on the severity of the accident.
The average cost for Greenville drivers with a past at-fault accident is $196 per month for liability insurance and $279 per month for full coverage.
The following table shows how an at-fault accident increases the average monthly car insurance rates for Greenville drivers.
The below rates in Greenville, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $65 | $85 |
| Auto-Owners | $70 | $91 |
| State Farm | $72 | $93 |
| GEICO | $100 | $127 |
| Nationwide | $105 | $138 |
| Allstate | $112 | $147 |
| Travelers | $120 | $158 |
| Progressive | $124 | $158 |
| Safeco | $132 | $181 |
| State Auto | $146 | $195 |
| National General | $150 | $195 |
| Root | $150 | $197 |
| Direct Auto | $157 | $210 |
| Dairyland | $166 | $216 |
| The General | $173 | $234 |
| Liberty Mutual | $176 | $229 |
| GAINSCO | $177 | $222 |
| AssuranceAmerica | $185 | $241 |
| First Acceptance | $201 | $255 |
| Bristol West | $240 | $310 |
Disclaimer: Table data sourced from real-time Greenville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Greenville may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
A DUI on your record has a significant effect on your car insurance rates because it suggests high-risk behavior and an increased likelihood of costly accidents involving injuries or substantial property damage. Insurance companies may increase your rates dramatically. Some might even decline to offer coverage at all.
Greenville drivers with a past DUI pay $248 per month for liability coverage and $354 per month for full coverage.
The table below shows the difference in average monthly premiums between Greenville drivers with a clean record and people with a DUI on their record.
The below rates in Greenville, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $65 | $101 |
| Auto-Owners | $70 | $108 |
| State Farm | $72 | $111 |
| GEICO | $100 | $153 |
| Nationwide | $105 | $163 |
| Allstate | $112 | $173 |
| Travelers | $120 | $186 |
| Progressive | $124 | $200 |
| Safeco | $132 | $216 |
| State Auto | $146 | $213 |
| National General | $150 | $232 |
| Root | $150 | $233 |
| Direct Auto | $157 | $243 |
| Dairyland | $166 | $257 |
| The General | $173 | $268 |
| Liberty Mutual | $176 | $272 |
| GAINSCO | $177 | $274 |
| AssuranceAmerica | $185 | $286 |
| First Acceptance | $201 | $324 |
| Bristol West | $240 | $372 |
Disclaimer: Table data sourced from real-time Greenville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Greenville may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
Several factors affect car insurance rates, including your age. Rates for new drivers are high but generally stabilize around age 35. This trend continues until about age 70, at which point rates tend to rise again. At this age, insurance companies perceive an increased risk due to factors associated with aging, such as slower reflexes and a higher likelihood of medical issues that could affect your driving.
On average, senior drivers in Greenville pay $135 per month for liability and $194 for full-coverage insurance.
The table below shows average monthly premiums for both liability-only and full-coverage car insurance for senior drivers in Greenville.
The below rates in Greenville, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $88 | $53 |
| Auto-Owners | $91 | $56 |
| State Farm | $94 | $57 |
| GEICO | $125 | $80 |
| Nationwide | $135 | $81 |
| Safeco | $148 | $116 |
| Allstate | $151 | $92 |
| Travelers | $159 | $97 |
| Progressive | $164 | $109 |
| National General | $177 | $119 |
| Direct Auto | $182 | $128 |
| State Auto | $184 | $112 |
| Root | $187 | $127 |
| AssuranceAmerica | $205 | $146 |
| Liberty Mutual | $237 | $148 |
| First Acceptance | $280 | $177 |
| GAINSCO | $282 | $152 |
| Dairyland | $293 | $142 |
| The General | $313 | $147 |
| Bristol West | $338 | $202 |
Disclaimer: Table data sourced from real-time Greenville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Greenville may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
Teenage drivers pay higher insurance rates than older adults due to their lack of driving experience and higher statistical likelihood of accidents and traffic violations.
The average cost of car insurance for teen drivers in Greenville is $285 per month for liability coverage and $408 for full-coverage insurance.
Some tips for finding savings on car insurance at this age include:
Join your parents’ insurance policy. Adding a teen to a parent’s policy is usually more cost-effective than the teen having a separate car insurance policy.
Drive a safe car. Choosing a safe car equipped with modern safety features can lower insurance costs.
Take advantage of discounts. Many insurers offer discounts for teens who remain accident-free, take a defensive driving course, or maintain good grades in school.
The following table shows the cheapest car insurance options for both liability-only and full-coverage car insurance for Greenville’s teen drivers.
The below rates in Greenville, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $200 | $122 |
| State Farm | $231 | $141 |
| Auto-Owners | $232 | $142 |
| GEICO | $282 | $181 |
| Safeco | $342 | $269 |
| Nationwide | $344 | $207 |
| Progressive | $345 | $230 |
| Allstate | $368 | $224 |
| Root | $387 | $262 |
| Travelers | $413 | $252 |
| Direct Auto | $435 | $305 |
| National General | $456 | $307 |
| Liberty Mutual | $501 | $314 |
| AssuranceAmerica | $545 | $388 |
| First Acceptance | $589 | $373 |
| State Auto | $589 | $358 |
| Dairyland | $595 | $288 |
| GAINSCO | $607 | $326 |
| The General | $652 | $307 |
| Bristol West | $726 | $433 |
Disclaimer: Table data sourced from real-time Greenville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Greenville may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Greenville
Insurify partners with 120+ top insurers for real-time quotes
Excellent
4.7 out of 5 based on 13,063 reviews
Secure. Free. Easy-to-use.
Greenville car insurance quotes by credit tier
South Carolina state law allows car insurance companies to consider credit-based insurance scores when calculating car insurance premiums.[4] Statistics indicate that people with poor credit tend to file more claims and more expensive claims than drivers with good credit. Maintaining a good or excellent credit score can help you qualify for an affordable rate.
Here are the average full-coverage insurance rates for South Carolina drivers by credit tier.
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 Greenville?
Car insurance rates in Greenville are higher than the national average across the country but lower than in many other cities in South Carolina. Greenville drivers pay $154 per month for liability coverage and $220 for full-coverage insurance.
Several factors contribute to Greenville car insurance rates, including its rising traffic volume. With more commuters and vehicles on the road, the risk of accidents rises, and that increases insurance rates.
But Greenville has relatively inexpensive coverage compared to rates in Charleston, the largest city in South Carolina. A higher risk of storm damage in the coastal city coupled with denser traffic in tourist-heavy areas pushes premiums up.
In comparison, Greenville is more expensive, on average, than Myrtle Beach. Despite Myrtle Beach’s status as a tourist destination, it benefits from less traffic congestion and lower traffic fatality rates than Charleston.[5]
More cities in South Carolina
The table below shows average monthly premiums for both liability-only and full-coverage auto insurance for several other cities in South Carolina.
City | Liability Only | Full Coverage |
|---|---|---|
| Aiken | $135 | $201 |
| Anderson | $136 | $209 |
| Charleston | $181 | $260 |
| Columbia | $173 | $262 |
| Florence | $178 | $262 |
| Greer | $146 | $208 |
| Lancaster | $169 | $251 |
| Lexington | $147 | $235 |
| Myrtle Beach | $157 | $220 |
| North Charleston | $200 | $271 |
| Rock Hill | $155 | $236 |
| Spartanburg | $154 | $221 |
| Summerville | $181 | $264 |
Disclaimer: Table data sourced from real-time Greenville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Greenville may vary based on the policy buyer's unique driver profile.
Greenville car insurance FAQs
Before you start shopping around for car insurance, you should determine how much coverage you need. The following information should help answer your remaining questions about finding cheap auto insurance that meets your personal needs in Greenville.
How much is car insurance in Greenville?
Greenville drivers pay $154 per month for liability and $220 for full-coverage insurance, on average. Ultimately, how much you pay for coverage will depend on your driving record, age, chosen coverage, and more.
Which company has the cheapest car insurance in Greenville?
USAA has the cheapest coverage in Greenville, with a liability insurance rate of $65 per month. Auto-Owners and State Farm also offer affordable liability coverage, with respective rates of $70 and $72 per month. The best way to find competitive prices for full or basic coverage in Greenville is to compare quotes from multiple insurers at once.
What are the best car insurance companies in Greenville?
State Farm is one of the best car insurance companies in Greenville, thanks to an Insurify Quality (IQ) Score of 9.3 out of 5 and an A++ (Superior) financial strength rating from AM Best. On average, South Carolina drivers with coverage from State Farm pay $77 for liability coverage and $120 for full-coverage insurance. Other top insurers with high IQ Scores include Auto-Owners and USAA.
How much is car insurance per month in South Carolina?
The average monthly cost of car insurance in South Carolina is $157 for liability coverage and $227 for full coverage. This is higher than the national averages of $99 per month for liability coverage and $173 for full-coverage insurance.
Why is car insurance so high in South Carolina?
South Carolina drivers may pay higher rates than the national average due to risks associated with hurricanes and higher-than-average rates of vehicle theft. The cost of coverage will vary depending on where you live in the Palmetto State.
Methodology
Insurify data scientists analyzed more than 190 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 500+ 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
- 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.
Related articles
)
Cheapest South Carolina Car Insurance Quotes From $70/mo.
February 24, 2026
)
How to Get a South Carolina Driver’s License
September 26, 2025
Best Car Insurance in South Carolina
March 31, 2026
)
Cheap SR-22 Insurance in South Carolina
March 31, 2026
Car Insurance Requirements in South Carolina
March 31, 2026
Car Insurance for High-Risk Drivers in South Carolina
March 31, 2026
)
Car Insurance After a DUI in South Carolina
March 31, 2026
Average Car Insurance Cost in South Carolina
February 18, 2026
)
Cheapest Car Insurance Quotes in North Charleston, SC
March 31, 2026
)
Cheapest Car Insurance Quotes in Summerville, SC
March 31, 2026
)
Best Cheap Car Insurance in Spartanburg, SC, From $65
March 31, 2026
)
Best Cheap Car Insurance in Rock Hill, SC, From $68
March 31, 2026
)
Best Cheap Car Insurance in Lancaster, SC, From $73
March 31, 2026
)
Best Cheap Car Insurance n Myrtle Beach, SC, From $65
March 31, 2026
)
Best Cheap Car Insurance in Lexington, SC, From $66
March 31, 2026
)
Best Cheap Car Insurance in Greer, SC, From $61
March 31, 2026
)
Best Cheap Car Insurance in Fort Mill, SC, From $61
March 31, 2026
)
Best Cheap Car Insurance in Florence, SC, From $76
March 31, 2026
Best Cheap Car Insurance in Charleston, SC, From $77
March 31, 2026
)
Best Cheap Car Insurance in Columbia, SC, From $76
March 31, 2026
)
Cheap Car Insurance in Aiken, SC, Starting at $58
March 31, 2026
)
Cheap Car Insurance in Anderson, SC, Starting at $60
March 31, 2026
Sources
- City of Greenville. "GVL2040 Comprehensive Plan."
- South Carolina Department of Insurance. "FAQs: Auto Insurance."
- Insurance Information Institute. "What is covered by a basic auto insurance policy?."
- South Carolina Department of Insurance. "Property & Casualty."
- TRIP. "South Carolina Transportation by the Numbers."
)
Janet Berry-JohnsonInsurance Writer, CPA
8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
Featured in
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.