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How much is car insurance in Greenville?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it costs about the same to insure your vehicle in Greenville as it does in the rest of South Carolina.
Likewise, Greenville residents should prepare to pay higher rates for coverage than the rest of the country. The average monthly payment in Greenville is about $26 more expensive than the rate for the rest of the U.S.
Although these are the average rates for auto insurance in Greenville, that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
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. To find out if you're overpaying for your area, just enter your ZIP Code 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|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay $84 more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates rise again in Greenville.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in Greenville totals about $7 per month. Based on the chart above, you can see that male drivers pay $111 on average, while female drivers typically pay $104 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Greenville with a single accident on their record will usually see rates around $132 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $141.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$123|
|15 Years or Older||$102|
In terms of affordable coverage, the cheapest vehicles to insure in Greenville are typically trucks and vans, at $91 per month.
Car owners, on the other hand, usually pay around $110 a month, while SUV drivers can expect to pay about $108 per month to insure their vehicle.
In addition to vehicle type, you can also expect to see slightly different rates depending 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 about 5 years old. In Greenville, 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)||$112|
On average, people who are married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Greenville can be as much as $22 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$128|
Another factor that comes into play is your living accommodations. If you rent your home or apartment in Greenville, expect to pay around $18 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Greenville, SC
Recent trends in car insurance for Greenville drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
In Greenville, the rates for auto insurance rose consistently from 2017-2021. They finished down in 2022, at $124.
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 number of factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Area crime rates
- Regional laws
- Road Safety (total number of local car accidents)
- Number of drivers
- Access to off-street parking
An awareness of these factors is important 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?
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.
But wait! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Greenville.
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Greenville Insurance FAQs
What factors affect car insurance quotes in Greenville?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your address, credit score, driving record, and marital status.
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, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
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?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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. 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?
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