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How much is car insurance in Greer?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in Greer are in line with rates across the rest of South Carolina.
Compared to the national average cost of auto coverage, Greer has higher rates. The average monthly payment for the rest of the U.S. is about is about $22 cheaper than it is in Greer.
While these are the average car insurance rates for Greer, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But don't worry, we've broken down the average rate for Greer residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just 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|
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 $100 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates start to rise again once you hit retirement age in Greer.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Greer, male drivers pay about $12 more per month. As illustrated in the table above, female drivers in the area pay about $98 on average, while male drivers pay around $110 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Greer, drivers with one accident on their record will experience rates around $142 a month. In addition, drivers with a single ticket on their record can expect to pay around $134 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$94|
|15 Years or Older||$104|
According to the first table above, the cheapest vehicles to insure in Greer are typically trucks and vans, at $85 per month.
Car owners can expect to pay an average of around $104 a month for their policy, while SUVs usually cost around $112 a month to insure.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. In Greer, the most expensive vehicles to insure are vehicles six-to-seven years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$114|
Generally, those who are currently married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
The cost of auto insurance in Greer reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $36 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$119|
Your living accommodations is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $11 a month more than homeowners in Greer. But if you live with your parents, you can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in Greer, SC
Recent trends in car insurance for Greer drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.
The rates for auto insurance in Greer went up from 2017-2018 -- where they hit a high of $92 -- before steadying out in 2019. Policy premiums increased again in 2020, and finished down at $112 in 2022.
How does Greer compare to neighboring areas?
Why are car insurance rates in Greer different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider several factors. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:
- Availability of off-street parking
- Total amount of drivers in the area
- Number of car accidents
- Regional regulations
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. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Greer?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com will handle the heavy lifting for you. Just enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Greer.
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Greer Insurance FAQs
What factors affect car insurance quotes in Greer?
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 credit score, driving record, marital status, and address.
Why is the cost of car insurance in Greer different from other neighboring cities?
Parking situations, local laws, and crime rates -- 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 Greer?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Greer?
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Greer or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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