Table of contents
How much is car insurance in Greenville?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $10 a month cheaper to insure your vehicle in Greenville than it is in the rest of Texas.
Similarly, car insurance rates in Greenville are more affordable than the national average. You can expect to pay about $26 below the national average for auto insurance in Greenville.
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. The amount that insurance companies end up charging you is determined by a number of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
But don't worry, 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates creep back up a bit once you hit retirement in Greenville.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. This rings true in Greenville, where women pay around $7 less per month than men. As you can see in the table above, male drivers in the area typically pay $59 on average, while female drivers typically pay $52 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions. In Greenville, drivers with one accident on their record will experience rates around $63 a month. Likewise, drivers with one ticket will be looking at a rate of around $59 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$40|
|15 Years or Older||$49|
In terms of affordable coverage, the cheapest vehicles to insure in Greenville are typically trucks and vans, at $51 per month.
Car owners will see a monthly premium of about $57, while SUV owners usually pay around $52 a month.
The age of your vehicle also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is about 5 years old, you may start to see your monthly premium decrease. In Greenville, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$59|
Generally speaking, people who are married will pay slightly less for auto insurance. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
In Greenville, the difference in rates based on relationship status can be as much as $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$71|
Your housing status is another component of how insurance companies calculate your monthly rate. In Greenville, homeowners can expect to pay around $3 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Greenville, TX
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 selecting an insurance provider.
Auto insurance rates in Greenville went up from 2017-2018 -- where they reached a high of $68 -- before leveling out in 2019. Car insurance rates increased again in 2020, and finished down at $34 in 2022.
How does Greenville compare to neighboring areas?
Why are car insurance rates in Greenville different from other areas?
When considering how much to charge for coverage, car insurance companies will review a variety of factors. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Access to off-street parking
- Prevalence of crime
- Total drivers
- Road Safety (frequency of car accidents)
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Greenville?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing policies in Greenville.
Greenville Insurance FAQs
What factors affect car insurance quotes in Greenville?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Greenville different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Greenville?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Greenville?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Greenville or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?