+120 more*These quotes are from Compare.com users in and around Greenville, South Carolina within the last 10 days. Updated on July 26, 2026
*These quotes are from Compare.com users in and around Greenville, South Carolina within the last 10 days. Updated on July 26, 2026
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Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
Updated
Car insurance in Greenville costs an average of $191 per month. Greenville’s rates reflect the city’s growing population and increased traffic congestion, which can lead to higher accident rates.[1]
Many insurance companies offer rates well below the citywide average, with USAA, Auto-Owners, and State Farm offering some of the most affordable rates.
This article covers the cheapest insurers in Greenville for various driver types, how to pick the right insurance company, and tips on how to save on car insurance.
USAA offers the cheapest rates, with an average monthly cost of $68.
Greenville drivers pay an average of $154 per month for liability coverage and $228 for full coverage.
South Carolina requires 25/50/25 in bodily injury liability, property damage coverage, and uninsured motorist coverage.[2]
Several insurance companies offer rates below Greenville’s citywide average, giving you options to find affordable coverage.
The table below shows the cheapest insurers in Greenville, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $68 |
| Auto-Owners | $73 |
| State Farm | $75 |
| GEICO | $103 |
| Allstate | $117 |
| Progressive | $119 |
| Travelers | $126 |
| Safeco | $134 |
| Direct Auto | $149 |
| National General | $153 |
| State Auto | $153 |
| Root | $158 |
| Dairyland | $170 |
| GAINSCO | $172 |
| The General | $174 |
| Liberty Mutual | $175 |
| AssuranceAmerica | $179 |
| First Acceptance | $198 |
| Hugo | $214 |
| Bristol West | $248 |
Our research shows that USAA offers the lowest car insurance in Greenville, at an average rate of $68 per month.
The following sections break down the cheapest companies by driver type and coverage level.
While the insurers above are a great place to start, it’s important to keep in mind that auto insurance rates can vary widely from company to company. Plus, personal factors like your age, driving record, address, and credit history can affect your rates. Comparing rates for drivers with a similar profile helps you find the best deal for your specific situation.
The table below shows the cheapest companies for various backgrounds and coverage types, according to our data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | USAA | $68 |
| Full coverage | USAA | $110 |
| Teens | USAA | $123 |
| Seniors | USAA | $57 |
| Drivers with a speeding ticket | USAA | $86 |
| Drivers with an at-fault accident | USAA | $90 |
| Drivers with a DUI | USAA | $104 |
| Drivers with excellent credit | USAA | $58 |
| Drivers with poor credit | USAA | $84 |
We’ve included detailed breakdowns for each driver type in the subsections below.
Policies in Greenville start as low as $68 per month.
Minimum coverage in Greenville averages $154 per month, according to Compare.com data. But most experts recommend purchasing more coverage than the state requires because minimum limits often aren’t enough to cover serious accidents or expensive vehicles.[3]
If you need bare-bones coverage that meets South Carolina’s minimum requirements, we’ve highlighted the five cheapest companies in the chart below.
Company | Average Monthly Premium |
|---|---|
| USAA | $68 |
| Auto-Owners | $73 |
| State Farm | $75 |
| GEICO | $103 |
| Allstate | $117 |
| Progressive | $119 |
| Travelers | $126 |
| Safeco | $134 |
| Direct Auto | $149 |
| National General | $153 |
| State Auto | $153 |
| Root | $158 |
| Dairyland | $170 |
| GAINSCO | $172 |
| The General | $174 |
| Liberty Mutual | $175 |
| AssuranceAmerica | $179 |
| First Acceptance | $198 |
| Hugo | $214 |
| Bristol West | $248 |
Most drivers should consider full coverage because it protects your own vehicle in addition to covering damage you cause to others. Full coverage typically includes comprehensive and collision coverage alongside the state’s minimum liability requirements.
Lenders and leasing companies require you to purchase full coverage if you finance or lease your car.[4] Full coverage in Greenville averages $228 per month.
But several insurers offer full coverage for close to the average liability price in Greenville. Here are the five most competitive insurers in Greenville for full coverage, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $110 |
| Auto-Owners | $118 |
| State Farm | $122 |
| GEICO | $158 |
| Safeco | $167 |
| Progressive | $179 |
| Allstate | $190 |
| Travelers | $204 |
| Direct Auto | $226 |
| National General | $228 |
| Root | $234 |
| State Auto | $248 |
| AssuranceAmerica | $252 |
| Liberty Mutual | $284 |
| First Acceptance | $313 |
| GAINSCO | $316 |
| Dairyland | $328 |
| The General | $360 |
| Bristol West | $415 |
Teens have some of the most expensive rates of any age group because they lack driving experience and statistically cause more accidents than older drivers.[5] Nationwide, the average teen pays nearly double what someone 20 or older pays for car insurance, according to our data.
Teens in Greenville pay an average of $339 per month, but you can still find a good deal if you know where to look.
Check out the five most budget-friendly insurers in Greenville for teenage drivers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $123 |
| State Farm | $143 |
| Auto-Owners | $145 |
| GEICO | $184 |
| Progressive | $211 |
| Allstate | $227 |
| Root | $235 |
| Travelers | $257 |
| Safeco | $269 |
| Direct Auto | $286 |
| Dairyland | $292 |
| GAINSCO | $299 |
| National General | $300 |
| Liberty Mutual | $302 |
| The General | $310 |
| First Acceptance | $351 |
| State Auto | $364 |
| AssuranceAmerica | $366 |
| Hugo | $380 |
| Bristol West | $433 |
Seniors tend to have the cheapest rates of any age group because they have decades of driving experience and typically drive less than younger drivers.[6] In Greenville, seniors pay an average of $173 per month, according to Compare.com data.
Even with these low average rates, you can likely find a better deal from several companies. Here are the most affordable insurers in Greenville for senior drivers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $57 |
| Auto-Owners | $59 |
| State Farm | $61 |
| GEICO | $84 |
| Allstate | $97 |
| Travelers | $103 |
| Progressive | $108 |
| State Auto | $119 |
| Safeco | $120 |
| National General | $124 |
| Direct Auto | $125 |
| AssuranceAmerica | $144 |
| Dairyland | $148 |
| Root | $149 |
| Liberty Mutual | $149 |
| GAINSCO | $151 |
| The General | $152 |
| First Acceptance | $180 |
| Hugo | $194 |
| Bristol West | $212 |
If an officer catches you speeding, your insurance premium will increase when your policy renews. Insurance companies view traffic violations as indicators of risky driving behavior and raise your rates accordingly. Our research shows that just one speeding ticket causes average rates to increase by 37% nationwide.
Drivers with a recent ticket in Greenville pay an average of $227 per month, but several insurers offer lower rates.
Below are the five most affordable insurers in Greenville for drivers with recent tickets, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $86 |
| State Farm | $93 |
| Auto-Owners | $93 |
| GEICO | $132 |
| Progressive | $142 |
| Allstate | $148 |
| Travelers | $159 |
| Safeco | $172 |
| Direct Auto | $183 |
| Root | $184 |
| National General | $186 |
| State Auto | $198 |
| GAINSCO | $201 |
| Dairyland | $206 |
| Liberty Mutual | $218 |
| AssuranceAmerica | $222 |
| The General | $228 |
| First Acceptance | $235 |
| Hugo | $255 |
| Bristol West | $305 |
If you cause an accident, expect a substantial increase in your rates. At-fault accidents show insurers that you’re more likely to file a claim in the future.[7] Our research shows that a single at-fault accident causes average rates to increase by 41% nationwide.
Greenville drivers pay an average of $242 per month after an accident, according to our data. You can often find a better deal with one of the five insurers highlighted in the chart below.
Company | Average Monthly Premium |
|---|---|
| USAA | $90 |
| Auto-Owners | $95 |
| State Farm | $98 |
| GEICO | $133 |
| Progressive | $151 |
| Allstate | $154 |
| Travelers | $167 |
| Safeco | $183 |
| Root | $195 |
| Direct Auto | $199 |
| National General | $200 |
| State Auto | $206 |
| GAINSCO | $215 |
| Dairyland | $220 |
| Liberty Mutual | $228 |
| AssuranceAmerica | $233 |
| The General | $235 |
| First Acceptance | $251 |
| Hugo | $271 |
| Bristol West | $321 |
A DUI conviction causes the sharpest increase in car insurance rates of any incident. Our research shows average rates increase by an average of 61% nationwide after a DUI conviction.
Getting a DUI can make it difficult to find coverage at all, as many standard insurers won’t offer policies to high-risk drivers.[8] Some insurers specialize in high-risk drivers, like people with DUIs.
Drivers in Greenville with a DUI pay about $308 per month for coverage, according to Compare.com data.
But you’re not necessarily stuck with sky-high rates. Here are the cheapest insurance companies in Greenville if you have a DUI, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $104 |
| Auto-Owners | $106 |
| State Farm | $114 |
| GEICO | $156 |
| Allstate | $179 |
| Progressive | $192 |
| Travelers | $192 |
| Safeco | $222 |
| State Auto | $225 |
| Direct Auto | $227 |
| National General | $233 |
| Root | $241 |
| The General | $258 |
| Dairyland | $259 |
| GAINSCO | $262 |
| Liberty Mutual | $267 |
| AssuranceAmerica | $273 |
| First Acceptance | $319 |
| Hugo | $345 |
| Bristol West | $378 |
Your credit history plays a role in your insurance premiums. Insurers use a credit-based insurance score when calculating your rate to determine your likelihood of defaulting on your bill or filing claims in the future.[9]
Our research shows drivers with poor credit pay 20% more than people with excellent credit scores. Greenville drivers with poor credit pay an average of $239 per month, according to Compare.com data.
But not all companies factor in credit when setting rates, and some offer affordable rates, regardless of your credit history. Below, we highlight the cheapest companies in Greenville for drivers with poor credit.
Company | Average Monthly Premium |
|---|---|
| USAA | $84 |
| State Farm | $108 |
| Auto-Owners | $109 |
| GEICO | $127 |
| Allstate | $145 |
| Progressive | $149 |
| Travelers | $156 |
| Safeco | $166 |
| Direct Auto | $184 |
| National General | $189 |
| State Auto | $190 |
| Root | $195 |
| Liberty Mutual | $209 |
| Dairyland | $210 |
| GAINSCO | $213 |
| The General | $215 |
| AssuranceAmerica | $221 |
| First Acceptance | $248 |
| Hugo | $268 |
| Bristol West | $307 |
Compare personalized quotes from Greenville’s top insurers.
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South Carolina, like nearly every state, requires all drivers to have car insurance. Here are South Carolina’s auto insurance requirements:
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $25,000 per accident
Uninsured motorist coverage: $25,000 per person and $50,000 per accident
The state must offer you underinsured motorist coverage, which protects you if a driver without enough insurance damages your vehicle or injures you, but you don’t have to purchase it.
In most cases, liability-only insurance won’t be enough. That’s why most experts recommend buying coverage above the state’s minimum limits. Lenders require comprehensive and collision coverage if you finance or lease your car to ensure the vehicle has adequate coverage.
South Carolina’s Department of Insurance recommends considering higher liability limits, especially if you have assets to protect, since a serious accident could result in damages that exceed the minimum coverage limits.
Here are answers to commonly asked questions about car insurance in Greenville.
Greenville car insurance averages $191 per month, according to our data. Liability insurance averages $154 per month, and full coverage is $228 per month.
Yes. But keep in mind that it depends on several factors, including your address, driving history, age, and coverage choices. For context, the average rate in Greenville is $191 per month compared to the national average of $141, according to our research.
USAA offers the cheapest car insurance in Greenville, with an average monthly cost of $68, according to our data.
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here. We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
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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