Greenville, TX Car Insurance

On average, Greenville drivers pay a monthly average rate of around $55 for their car insurance. For more information refer to our guide below.
What should residents of Greenville expect to pay for their car insurance? How does Greenville stack up to the rest of the area, or even Texas as a whole? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Greenville?

Area Average Monthly Car Insurance Premium
Greenville$55
TX$65
United States$81

Compared to the rest of the Texas, coverage in Greenville is about $10 a month cheaper.

Compared to the rest of the country, auto insurance in Greenville is more affordable. It's around $26 less to insure your vehicle compared to the average rate for the United States as a whole.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.

But don't worry, we've broken down average rates for Greenville residents so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, 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 18Not Enough Data
18-24$92
25-34$52
35-44$46
45-54Not Enough Data
55-64$40
65+$49

It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may begin to increase again in Greenville.

Average Car Insurance Rates by Gender

Gender Average
Male$59
Female$52

On average, female drivers pay slightly less than male drivers for car insurance. In Greenville, the difference comes out to about $7 per month. As you can see in the table above, female drivers in the area typically pay $52 on average, while female drivers typically pay $59 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$63
Multiple Accidents$90
1 Ticket$61
Multiple Tickets$67

Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Greenville, a driving record with a single accident will usually get you a rate around $63 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $61.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$40
2-3 Years$53
4-5 Years$51
6-7 Years$57
8-10 Years$63
11-14 Years$61
15 Years or Older$49

According to the first table above, SUVs, trucks, and vans are by and large the cheapest vehicles to insure in Greenville, with drivers paying around $52 per month for insurance coverage.

The premium for car owners, on the other hand, is closer to $58 a month.

The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Greenville, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$59
Married$42
Divorced$51
Widowed$58

Generally, people who are married will pay slightly less for car insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Greenville is no exception, with the difference totaling to around $17 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$52
Rent$54
Live with parents$71

Another factor that comes into play is your living accommodations. Renters can expect to pay around $2 a month more than those who own their own home in Greenville. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Greenville, TX

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 picking an insurance policy.

In Greenville, auto insurance rates rose from 2017-2018 -- where they hit a high of $68 -- before steadying out in 2019. Rates increased again in 2020, and finished down at $59 in 2022.

How does Greenville compare to neighboring areas?

Why are car insurance rates in Greenville different from other areas?

There are a lot of factors car insurance companies will consider when choosing how much to charge for a monthly rate. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:

  • Total number of drivers
  • Access to off-street parking
  • Local crime rates
  • General road safety (how many accidents each locality has)
  • Laws

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Greenville?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Luckily, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Greenville.

Compare the cheapest quotes from dozens of insurance companies

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 credit score, driving record, marital status, and address.

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?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Greenville or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes