Table of contents
How much is car insurance in Greer?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Greer is in line with pricing for the rest of South Carolina.
On the other hand, Greer residents should prepare to pay higher rates for coverage than the rest of the country. You can expect to pay about $18 more for your policy in Greer.
Although these are the average monthly costs for an auto insurance policy in Greer, that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
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 certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.
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 age your rates may climb back up in Greer.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Greer, the difference comes out to about $8 per month. Looking at the table above, you can see that female drivers pay around $94 on average, while male drivers typically pay $102 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay less than those with accidents or violations. In Greer, a driving record with one accident will usually get you a rate around $120 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $158 on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$89|
|15 Years or Older||$97|
As you can see in the first table above, the cheapest vehicles to insure in Greer are by and large trucks and vans, which run about $81 per month.
Car owners can expect to pay an average of around $97 a month for their policy, while SUVs usually cost around $107 a month to insure.
Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Greer, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$108|
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Greer as well, where the difference is around $33 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$119|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $12 a month more than if you own your own home in Greer. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Greer, SC
Recent trends in car insurance for Greer drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
The rates for auto insurance in Greer went up from 2016-2018, where they hit a high of $92, before steadying out in 2019. Insurance rates had been increasing once again in 2020, and have continued rising through 2021, where they reached $143 a month.
How does Greer compare to neighboring areas?
Why are car insurance rates in Greer different from other areas?
There are many factors car insurance companies take into consideration when choosing how much to charge for coverage. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Local crime rates
- Community laws
- Total number of drivers in the community
- Access to off-street parking
- Rate of car accidents
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Greer?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering policies in Greer.
Greer Insurance FAQs
What factors affect car insurance quotes in Greer?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Greer different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Greer?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 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 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.