+120 more*These quotes are from Compare.com users in and around Greenville, North Carolina within the last 10 days. Updated on May 7, 2026
*These quotes are from Compare.com users in and around Greenville, North Carolina within the last 10 days. Updated on May 7, 2026
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Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
Updated
Finding affordable car insurance in Greenville starts with understanding what you’ll typically pay. Greenville drivers pay an average of $96 per month for auto insurance, according to Compare.com data.
Greenville — North Carolina’s 12th most populous city — has car insurance rates that are slightly higher than the statewide average. The city’s higher rates may be attributed to an overall increase in car accidents and repair costs.[1] [2]
Some insurers offer rates well below the citywide average. Erie, Nationwide, and Direct Auto have the cheapest liability rates, starting at $67 per month.
Many factors play a role in how much you pay for coverage. We’ll explore the cheapest insurers in Greenville for different drivers and practical ways to save money on your car insurance.
Erie offers the cheapest car insurance in Greenville, at just $67 per month.
Greenville drivers pay $76 per month for liability coverage and $116 for full coverage.
North Carolina requires drivers to have liability insurance with minimum limits of 30/60/25, plus uninsured motorist coverage, but limits will increase to 50/100/50 on July 1, 2025.[3] [4]
It’s important to understand Greenville’s average rates, but you can still find cheaper coverage if you shop around and compare quotes. Several insurance companies offer prices below the citywide average.
The table below shows the most affordable insurers in Greenville, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| Erie | $67 |
| Nationwide | $67 |
| Direct Auto | $77 |
| GEICO | $77 |
| Liberty Mutual | $77 |
| National General | $78 |
| Progressive | $79 |
| Safeco | $81 |
| Travelers | $85 |
| Dairyland | $89 |
| Allstate | $91 |
| State Farm | $110 |
Erie stands out as the cheapest insurer in Greenville, at just $67 per month.
Next, we’ll cover the cheapest options for specific driving records and coverage to help you find the best match for your situation.
The companies above are a great way to start your search, but keep in mind your personal rates can vary dramatically based on factors like your age, driving record, address, and credit history. Comparing rates from companies that typically offer good deals for drivers with your specific profile gives you the best chance of finding affordable coverage.
Below, we highlight the cheapest insurance companies for various drivers and coverage types, according to our research.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Erie | $67 |
| Full coverage | Direct Auto | $109 |
| Teens | Erie | $124 |
| Seniors | Erie | $52 |
| Drivers with a speeding ticket | Erie | $92 |
| Drivers with an at-fault accident | Erie | $93 |
| Drivers with a DWI | Erie | $139 |
| Drivers with excellent credit | Erie | $53 |
| Drivers with poor credit | Erie | $98 |
In the sections below, we’ll go into more detail about the cheapest insurers for different drivers and coverage types.
Policies in Greenville start as low as $67 per month.
Drivers need to meet North Carolina’s minimum requirements to drive in the state. State-minimum coverage in Greenville averages $76 per month, according to Compare.com data.
Most insurance experts typically recommend purchasing more coverage than the state requires. Relying on just the minimum can leave you financially responsible for the difference if you cause an accident that exceeds these limits.[5]
If you need only basic coverage, the companies in the chart below have the lowest rates for drivers in Greenville, according to our research.
Company | Average Monthly Premium |
|---|---|
| Erie | $67 |
| Nationwide | $67 |
| Direct Auto | $77 |
| GEICO | $77 |
| Liberty Mutual | $77 |
| National General | $78 |
| Progressive | $79 |
| Safeco | $81 |
| Travelers | $85 |
| Dairyland | $89 |
| Allstate | $91 |
| State Farm | $110 |
Most drivers would benefit from a full-coverage policy because it protects you, your vehicle, and others. Besides state-minimum coverage, full coverage typically includes comprehensive and collision coverage. Lenders and leasing companies usually require you to purchase full coverage if you finance or lease your car.[6]
Greenville drivers pay an average of $116 per month for full coverage. But you can get it for close to the average liability price in Greenville.
The chart below shows the five cheapest insurers in Greenville for full coverage, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Direct Auto | $109 |
| National General | $112 |
| Progressive | $113 |
| Erie | $123 |
| Nationwide | $123 |
| Liberty Mutual | $134 |
| Safeco | $141 |
| GEICO | $142 |
| Travelers | $157 |
| Allstate | $169 |
| Dairyland | $197 |
| State Farm | $203 |
Teen drivers pay the highest insurance rates of any age group because they have limited driving experience and riskier driving habits that lead to more accidents.[7] Nationwide, teens pay nearly double what someone 20 or older pays, according to our data.
Greenville teens pay an average of $174 per month for coverage. But some insurers offer great deals if you’re a teen driver or adding a teen to your policy.
Here are the five cheapest insurers in Greenville for teens, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Erie | $124 |
| Nationwide | $131 |
| Liberty Mutual | $135 |
| GEICO | $139 |
| Progressive | $143 |
| Direct Auto | $149 |
| Dairyland | $155 |
| National General | $156 |
| Safeco | $164 |
| Travelers | $177 |
| Allstate | $180 |
| State Farm | $214 |
Senior drivers typically get the lowest rates of all age groups. They have decades of driving experience, drive fewer miles, and tend to be more cautious behind the wheel.[8]
The average rate for seniors in Greenville is $84 per month, according to Compare.com data. But Greenville seniors can likely find better deals from the insurers in the chart below.
Company | Average Monthly Premium |
|---|---|
| Erie | $52 |
| Nationwide | $52 |
| GEICO | $62 |
| National General | $62 |
| Direct Auto | $64 |
| Liberty Mutual | $65 |
| Travelers | $69 |
| Progressive | $70 |
| Safeco | $71 |
| Allstate | $75 |
| Dairyland | $76 |
| State Farm | $87 |
A speeding ticket in your recent driving history signals to insurers that you’re a higher risk to insure and more likely to file claims.[9] So, if an officer catches you speeding, expect your premiums to increase. We found that one speeding ticket causes average rates to increase by 37% nationwide.
Greenville drivers with a recent ticket pay an average of $129 per month, according to Compare.com data. But lower rates are possible.
The companies below offer cheaper rates in Greenville, even if you have a speeding ticket, according to our data.
Company | Average Monthly Premium |
|---|---|
| Nationwide | $90 |
| Erie | $92 |
| Direct Auto | $101 |
| National General | $101 |
| Liberty Mutual | $102 |
| GEICO | $105 |
| Progressive | $107 |
| Safeco | $110 |
| Travelers | $114 |
| Dairyland | $115 |
| Allstate | $123 |
| State Farm | $145 |
If you cause an accident, you’ll likely see a significant jump in your insurance rates the next time your policy renews. Much like with getting tickets, after an accident, insurers see you as a higher risk and more likely to file claims in the future. A single at-fault accident causes average rates to increase by 41% nationwide, according to our data.
We found that the average rate for Greenville drivers with a recent accident is $137 per month, according to Compare.com data. But you may get a better deal with one of the five insurers highlighted in the chart below.
Company | Average Monthly Premium |
|---|---|
| Erie | $93 |
| Nationwide | $94 |
| GEICO | $105 |
| Liberty Mutual | $106 |
| National General | $108 |
| Direct Auto | $109 |
| Progressive | $112 |
| Safeco | $117 |
| Travelers | $119 |
| Dairyland | $122 |
| Allstate | $127 |
| State Farm | $151 |
Driving while intoxicated (DWI) causes car insurance rates to skyrocket. In fact, average rates increase by 61% nationwide after a DWI/DUI conviction, according to our research. On top of that, a DWI makes it difficult to find coverage since many insurance companies won’t insure high-risk drivers. But some insurers specialize in high-risk drivers, including people with DWIs.[10]
Drivers with a DWI conviction in Greenville pay an average of $260 per month, according to our research.
But it doesn’t mean you’re stuck paying expensive rates. Several insurers offer affordable coverage to drivers with DWIs. The chart below shows the five cheapest insurers in Greenville for people with DWIs, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Nationwide | $139 |
| Erie | $139 |
| GEICO | $159 |
| Direct Auto | $159 |
| Liberty Mutual | $159 |
| National General | $162 |
| Safeco | $175 |
| Travelers | $176 |
| Dairyland | $184 |
| Allstate | $188 |
| Progressive | $214 |
| State Farm | $228 |
How well you manage your credit history can affect your car insurance rates. Some insurance companies use a credit-based insurance score to determine your likelihood of defaulting on payments or filing claims in the future.[11] Drivers with poor credit pay 40% more for coverage than drivers with excellent credit scores, according to our research.
Greenville drivers with poor credit pay about $120 per month for auto insurance, according to our data.
Not all companies consider credit, and some offer cheap rates regardless of your credit history. The following chart shows the five cheapest insurers in Greenville for drivers with bad credit, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Nationwide | $83 |
| Liberty Mutual | $92 |
| Direct Auto | $95 |
| GEICO | $95 |
| National General | $96 |
| Erie | $98 |
| Progressive | $99 |
| Safeco | $100 |
| Travelers | $105 |
| Dairyland | $110 |
| Allstate | $112 |
| State Farm | $159 |
Compare personalized quotes from Greenville’s top insurers.
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Like nearly every state, North Carolina requires all drivers to have car insurance. The current requirements are 30/60/25, but limits will increase to the following on July 1, 2025.
Bodily injury liability: $50,000 per person and $100,000 per accident
Property damage liability: $50,000 per accident
Uninsured/underinsured motorist coverages: Must match the state’s minimum or your bodily injury and property damage limits
Even though North Carolina’s limits will increase, the state’s minimum coverage requirements may still not be enough to provide you with adequate coverage. Keep in mind that if you lease your car or have a loan, you’ll need to buy comprehensive and collision coverage since most lenders require it.
That said, most experts recommend buying coverage above the state’s minimum limits because this often doesn’t provide enough protection for serious accidents. If you cause an accident that results in medical bills that exceed your bodily injury limit, you’ll be responsible for paying the remaining out-of-pocket costs.
Before you buy your next car insurance policy in Greenville, read answers to some of the most commonly asked questions about car insurance.
Greenville car insurance averages $96 per month, according to our research. Drivers pay an average of $76 per month for liability insurance and $116 for full coverage.
No. The average rate in Greenville is $96 per month compared to the national average of $140. Remember, many factors affect your car insurance premiums, including your driving record, address, and coverage choices.
Erie has the cheapest average auto insurance premiums in Greenville, at just $67 per month, according to our data.
Our editorial team used highly trained generative artificial intelligence (AI) tools to assist with the first draft of this article before multiple insurance experts — including at least one licensed agent — rigorously reviewed, fact-checked, and edited every word and data point you see here.
We research, write, edit, and review all content on Compare.com in accordance with our strict editorial standards to ensure accuracy, clarity, and helpfulness. Learn more about our editorial process here.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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