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How much is car insurance in Greenville?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Greenville are about the same as what you would pay anywhere else in North Carolina.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Greenville is rather affordable. You can expect to pay about $30 less for your policy in Greenville than in the rest of U.S.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
Don't sweat it however, we've broken down average rates for Greenville residents so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to your monthly premium, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, your rates may creep back up in Greenville.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Greenville bucks this trend. Female drivers typically pay around $6 more a month for car insurance coverage than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Greenville with a single accident will pay around $56 a month. In addition, drivers with one ticket can expect to pay around $56 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$46|
|15 Years or Older||$48|
If you look at the first table above, the cheapest vehicles to insure in Greenville are usually trucks and vans, at $47 per month.
SUV drivers will see rates of about $49, while the rates for car owners average out to about $53 per month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. In Greenville, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$52|
Generally speaking, those who have settled down into marriage will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Greenville follows that pattern, with the difference totaling to around $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$53|
Your housing situation is another component of how insurance companies calculate your monthly rate. In Greenville, homeowners can expect to pay around $4 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Greenville, NC
Recent trends in car insurance for Greenville drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
Car insurance rates in Greenville had been decreasing from 2017-2018, before increasing from 2019-2020. They finished up in 2022 at $105.
How does Greenville compare to neighboring areas?
Why are car insurance rates in Greenville different from other areas?
Car insurance companies will take into account a variety of factors when they're deciding how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Total amount of drivers in the area
- Area crime rates
- Rate of car accidents
- Availability of off-street parking
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Greenville?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Greenville.
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Greenville Insurance FAQs
What factors affect car insurance quotes in Greenville?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Greenville different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Greenville?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Greenville?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Greenville or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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