Cheapest Auto Insurance in Greer, South Carolina (2026)
USAA offers the cheapest car insurance in Greer, with minimum-coverage policies as low as $61 per month.
Secure. Free. Easy-to-use.
Excellent
)
Written bySarah 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.
Featured in
){kind=logo}
){kind=small}
){kind=small}
)
Edited byCourtney Mikulski
)
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in
){kind=small}
)
Reviewed byMark Friedlander
)
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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
The average cost of car insurance in Greer, South Carolina, is $177 per month — lower than the statewide average of $192 per month but higher than the national monthly average of $136.
Greer’s small population of just over 42,000 and less congested roadways 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 $2,122 for car insurance.
USAA has the cheapest full-coverage insurance in Greer, with policies starting at $101 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 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 |
|---|---|---|---|---|
| State Farm | 9.3 | $120 | $77 | Overall |
| USAA | 9.1 | $108 | $70 | Military community |
| Auto-Owners | 8.2 | $116 | $75 | Customer satisfaction |
Disclaimer: Table data sourced from real-time Greer car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Greer 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.
State Farm: Best overall
| 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. | $68/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. | $112/mo |
4.0
Best choice in Greer, 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 Greer 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 Greer for
Customer service
Competitive rates
Discounts for safe drivers
Showing 43 South Carolina reviews for Greer 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
The largest U.S. auto insurer by market share, State Farm has been in the insurance business for more than 100 years. State Farm's rates are among the lowest in Greer for most drivers, and the company has a reputation for good customer service. The insurer offers appealing optional coverages like rideshare insurance and emergency roadside service coverage. State Farm also offers numerous discounts that can help drivers save.
Pros
Above-average customer satisfaction in most areas, according to J.D. Power's 2024 U.S. Auto Insurance Study
AM Best financial strength rating of A++ (Superior), the highest level possible
Cons
Only drivers who finance through the State Farm Bank can qualify for State Farm's gap insurance-style product, Payoff Protector
Must purchase police through a local State Farm agent, rather than online
USAA: Best for members of the military community
| 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. | $61/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. | $101/mo |
4.9
Best choice in Greer, 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 Greer 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 Greer for
Members of the military community
Outstanding customer service
Competitive rates
Showing 17 South Carolina reviews for Greer 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
Veterans represent about 6% of Greer's population, according to U.S. Census Bureau data. USAA serves only the military community, including active-duty military, veterans, and their immediate family members. 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 active-duty military members, veterans, and their families
Gap insurance not available
Auto-Owners: Best for customer satisfaction
| 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. | $66/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. | $108/mo |
4.3
Best choice in Greer, 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 Greer 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 Greer for
Cheap rates
Senior drivers
Ample discounts
Showing 4 South Carolina reviews for Greer 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 offers some of the lowest car insurance rates for both liability-only and full-coverage policies in Greer. The company has a much-lower-than-average number of complaints in the National Association of Insurance Commissioners' Consumer Complaint Index. Auto-Owners also scored well above average in J.D. Power's 2023 U.S. Auto Claims Satisfaction Study. But you can only buy coverage through a local independent agent that represents Auto-Owners.
Pros
Many available discounts
Plenty of optional coverages, including gap insurance
Cons
Not available in every state
Limited online functionality
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 collision or comprehensive 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 good credit. Insurers use information in your credit record to generate a credit-based insurance score which they use to estimate your risk of filing a claim. A good credit history can mean lower car insurance costs. Consider building your credit by making on-time bill payment a priority.
You can also look for insurers that offer discounts you’re likely to be eligible for.
)
Learn More: 12 Ways to Lower Your Car Insurance Premiums
Find Car Insurance in Greer, South Carolina
Liability rates start at $61 per month
Excellent
4.7 out of 5 based on 13,063 reviews
Secure. Free. Easy-to-use.
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 $146 for liability-only insurance. The following table shows the cheapest car insurance companies for liability-only coverage in Greer.
The below rates in Greer, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $61 |
| Auto-Owners | $66 |
| State Farm | $68 |
| GEICO | $95 |
| Nationwide | $99 |
| Allstate | $106 |
| Travelers | $114 |
| Progressive | $117 |
| Safeco | $125 |
| State Auto | $138 |
| National General | $142 |
| Root | $142 |
| Direct Auto | $149 |
| Dairyland | $157 |
| The General | $163 |
| Liberty Mutual | $166 |
| GAINSCO | $167 |
| AssuranceAmerica | $175 |
| First Acceptance | $191 |
| Bristol West | $228 |
Disclaimer: Table data sourced from real-time Greer car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Greer 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 $208 per month for drivers living in Greer. Here are the cheapest car insurance companies for full-coverage policies in Greer.
The below rates in Greer, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $101 |
| Auto-Owners | $108 |
| State Farm | $112 |
| GEICO | $147 |
| Safeco | $159 |
| Nationwide | $164 |
| Allstate | $174 |
| Progressive | $176 |
| Travelers | $187 |
| Root | $210 |
| National General | $211 |
| Direct Auto | $212 |
| State Auto | $228 |
| AssuranceAmerica | $247 |
| Liberty Mutual | $266 |
| First Acceptance | $301 |
| GAINSCO | $312 |
| Dairyland | $325 |
| The General | $349 |
| Bristol West | $380 |
Disclaimer: Table data sourced from real-time Greer car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Greer may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Greer, South Carolina
Drivers using Insurify have found quotes as cheap as $77/mo for liability only and $120/mo for full coverage in Greer and other South Carolina cities.
*Quotes generated for Insurify users in and around Greer, 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 Greer, 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 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]
Coverage | Minimum 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 |
Insurance professionals often recommend that you buy more coverage than your state's minimum requirements. Higher liability limits provide greater financial protection in case of an at-fault accident. And if you finance or lease your vehicle, your lender or leasing company will require you to carry full-coverage car insurance.
Here are some optional coverages that also offer greater protection on the road.
Collision
Collision is an optional coverage unless you finance or lease your car, in which case it'll be required. This coverage kicks in to pay for damage to your vehicle from an at-fault collision with another vehicle, or a stationary object like a tree or lightpole.
Comprehensive
Part of a full-coverage policy, comprehensive pays to repair or replace your vehicle in case of a non-collision event such as fire, flooding and other weather hazards, theft, vandalism, and falling objects. It also covers windshield or glass damage from rocks or other objects.
Gap insurance
Because cars depreciate in value, it's possible to owe more on a lease or loan than a vehicle's actual cash value (ACV). If your car is totaled, the insurance company will pay you the car's ACV, which might not be enough to pay off your loan or lease. Gap insurance steps in to cover the difference between your car's ACV and insurance payout.
Accident forgiveness
An at-fault accident can increase your car insurance rates for three to five years. But if you purchase accident forgiveness coverage, your insurer won't raise your rates when your policy renews after your first at-fault accident. You generally must have a clean driving record for at least three years to qualify to buy this type of coverage.
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 for several years.
Shop for Car Insurance in Greer, SC
Monthly rates start at $76 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 get a speeding ticket, you can usually expect to pay more for car insurance for three to five years.[1] Even so, you can avoid overpaying by comparing quotes across multiple insurance companies.
Liability insurance for Greer drivers with a speeding ticket costs $174 per month for liability coverage and $247 per month for full coverage, on average.
The table below highlights the most affordable liability-only rates for drivers in Greer with a speeding ticket.
The below rates in Greer, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| USAA | $61 | $77 |
| Auto-Owners | $66 | $84 |
| State Farm | $68 | $84 |
| GEICO | $95 | $121 |
| Nationwide | $99 | $125 |
| Allstate | $106 | $135 |
| Travelers | $114 | $144 |
| Progressive | $117 | $139 |
| Safeco | $125 | $161 |
| State Auto | $138 | $179 |
| National General | $142 | $172 |
| Root | $142 | $185 |
| Direct Auto | $149 | $181 |
| Dairyland | $157 | $191 |
| The General | $163 | $213 |
| Liberty Mutual | $166 | $206 |
| GAINSCO | $167 | $194 |
| AssuranceAmerica | $175 | $217 |
| First Acceptance | $191 | $227 |
| Bristol West | $228 | $280 |
Disclaimer: Table data sourced from real-time Greer car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Greer 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 $185 per month, on average, for Greer drivers with an accident.
Check out the lowest average liability-only monthly quotes for Greer drivers with an at-fault accident on their record.
The below rates in Greer, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $61 | $80 |
| Auto-Owners | $66 | $85 |
| State Farm | $68 | $88 |
| GEICO | $95 | $121 |
| Nationwide | $99 | $131 |
| Allstate | $106 | $139 |
| Travelers | $114 | $150 |
| Progressive | $117 | $149 |
| Safeco | $125 | $172 |
| State Auto | $138 | $185 |
| National General | $142 | $185 |
| Root | $142 | $186 |
| Direct Auto | $149 | $199 |
| Dairyland | $157 | $204 |
| The General | $163 | $220 |
| Liberty Mutual | $166 | $216 |
| GAINSCO | $167 | $209 |
| AssuranceAmerica | $175 | $228 |
| First Acceptance | $191 | $243 |
| Bristol West | $228 | $294 |
Disclaimer: Table data sourced from real-time Greer car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Greer 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] In South Carolina, a DUI stays on your motor vehicle record permanently. For Greer-based drivers with a DUI, the average monthly quote for liability-only coverage is $235, and full coverage is $335.
Below are the liability-only rates of top car insurance companies in Greer, South Carolina, for drivers with DUIs on their records.
The below rates in Greer, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $61 | $94 |
| Auto-Owners | $66 | $102 |
| State Farm | $68 | $105 |
| GEICO | $95 | $145 |
| Nationwide | $99 | $153 |
| Allstate | $106 | $164 |
| Travelers | $114 | $177 |
| Progressive | $117 | $188 |
| Safeco | $125 | $205 |
| State Auto | $138 | $201 |
| National General | $142 | $220 |
| Root | $142 | $220 |
| Direct Auto | $149 | $231 |
| Dairyland | $157 | $243 |
| The General | $163 | $252 |
| Liberty Mutual | $166 | $257 |
| GAINSCO | $167 | $259 |
| AssuranceAmerica | $175 | $271 |
| First Acceptance | $191 | $308 |
| Bristol West | $228 | $353 |
Disclaimer: Table data sourced from real-time Greer car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Greer 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, around age 70, drivers might start to see their rates climb slightly due to enhanced accident risks.[6]
The average monthly cost of liability-only insurance for Greer seniors is $128. Explore the cheapest coverage options for Greer seniors in the table below.
The below rates in Greer, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $83 | $50 |
| Auto-Owners | $86 | $53 |
| State Farm | $89 | $54 |
| GEICO | $118 | $76 |
| Nationwide | $127 | $77 |
| Safeco | $140 | $110 |
| Allstate | $143 | $87 |
| Travelers | $151 | $92 |
| Progressive | $155 | $103 |
| National General | $168 | $113 |
| Direct Auto | $173 | $121 |
| State Auto | $175 | $106 |
| Root | $177 | $120 |
| AssuranceAmerica | $195 | $138 |
| Liberty Mutual | $224 | $140 |
| First Acceptance | $265 | $168 |
| GAINSCO | $268 | $143 |
| Dairyland | $277 | $134 |
| The General | $296 | $138 |
| Bristol West | $319 | $192 |
Disclaimer: Table data sourced from real-time Greer car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Greer 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 and a higher risk of accidents, 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 $271 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 in Greer, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $189 | $114 |
| Auto-Owners | $219 | $134 |
| State Farm | $220 | $133 |
| GEICO | $266 | $172 |
| Nationwide | $324 | $196 |
| Safeco | $324 | $255 |
| Progressive | $326 | $217 |
| Allstate | $348 | $212 |
| Root | $367 | $248 |
| Travelers | $392 | $239 |
| Direct Auto | $412 | $290 |
| National General | $432 | $291 |
| Liberty Mutual | $474 | $296 |
| AssuranceAmerica | $518 | $367 |
| First Acceptance | $558 | $354 |
| State Auto | $559 | $339 |
| Dairyland | $563 | $272 |
| GAINSCO | $575 | $308 |
| The General | $618 | $289 |
| Bristol West | $686 | $411 |
Disclaimer: Table data sourced from real-time Greer car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Greer 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 most other parts of the Palmetto State. On average, drivers in South Carolina pay $192 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 vehicle crime and accident rates.[1]
More cities in South Carolina
Explore the average monthly cost of car insurance for drivers in other South Carolina cities below.
City | Full Coverage | Liability Only |
|---|---|---|
| Charleston | $260 | $181 |
| Columbia | $262 | $173 |
| Greenville | $220 | $154 |
| Lexington | $235 | $147 |
| Myrtle Beach | $220 | $157 |
| North Charleston | $271 | $200 |
| Rock Hill | $236 | $155 |
| Summerville | $264 | $181 |
Disclaimer: Table data sourced from real-time Greer car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Greer 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 $208 per month for full coverage and $146 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 $61, $66, and $68 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, superior 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 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 Greenville, SC, From $65
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
- III. "What determines the price of an auto insurance policy?."
- J.D. Power. "2023 U.S. Auto Insurance Study."
- South Carolina Department of Insurance. "Automobile Insurance."
- III. "Auto insurance basics—understanding your coverage."
- III. "Do auto insurance premiums go up after a claim?."
- III. "Senior driving safety and insurance tips."
- III. "Auto insurance for teen drivers."
- South Carolina Department of Insurance. "Auto Insurance: A Shopping Guide for Consumers."
)
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.
Featured in
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.