Table of contents
How much is car insurance in Greenville?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, car insurance rates in Greenville are slightly more expensive than the rest of South Carolina.
If you're considering relocating to Greenville from out of state, you may want to budget a little extra for your insurance. It's about $21 more expensive for coverage in Greenville than the average rates for the U.S. as a whole.
While these are the average car insurance rates for Greenville, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
Don't worry, we've done the work for you and broken down average rates for Greenville to help you get a more accurate idea of what you'll be charged for your policy. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay $80 more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement your rates may creep back up a bit in Greenville.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Greenville, although women do pay a bit less on their monthly premiums, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with clean records can expect to pay less than those with infractions. In Greenville, a driving record with one accident will usually get you a rate around $126 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $155.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$123|
|15 Years or Older||$98|
In terms of affordable coverage, the cheapest vehicles to insure in Greenville are by and large trucks and vans, at $85 per month.
SUV drivers will see rates of about $105 to insure their car, while car owners usually pay around $102 a month.
You may also see different rates based on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is close to 5 years old. In Greenville, for example, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$106|
More often than not, married policyholders will pay slightly less to insure their vehicle. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Greenville reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $18 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$130|
Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $15 a month more than if you own your own home in Greenville. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Greenville, SC
Recent trends in car insurance for Greenville drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
Car insurance rates in Greenville dropped from 2016-2017, but began to increase in 2018. This trend has continued through 2021 when rates have most recently reached $168.
How does Greenville compare to neighboring areas?
Why are car insurance rates in Greenville different from other areas?
There are a variety of factors car insurance companies take into consideration when choosing how much to charge for coverage. Where you live will also have a significant impact on your personal policy. This may include things like:
- Regional regulations
- Off-street parking access
- Road Safety (total number of local car accidents)
- Crime rates
- Number of drivers
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Greenville?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com will handle the heavy lifting for you. Just punch in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Greenville.
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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Greenville different from other neighboring cities?
Parking situations, crime rates, 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 can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
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.