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How much is car insurance in Greenville?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $9 a month cheaper to insure your vehicle in Greenville than it is in the rest of Texas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Greenville is rather affordable. Car insurance rates for the U.S. as a whole are, on average, $24 more expensive than the rates you'd pay in Greenville.
These rates may be the average amount Greenville drivers pay for their insurance policy, but 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 insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
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. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
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Greenville Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, you may see your rates creep back up a bit in Greenville.
Greenville Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Greenville, this difference shakes out to about $9 a month. As you can see in the table above, female drivers in the area typically pay $52 on average, while female drivers typically pay $61 each month.
Greenville Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay much lower rates than those with accidents or violations. In Greenville, drivers with one accident on their record will experience rates around $63 a month. Similarly, drivers with one ticket will typically pay around $63 on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Greenville Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$40|
|15 Years or Older||$51|
The most affordable vehicles to insure in Greenville are usually SUVs, which run about $52 per month.
Car owners will see rates of about $58, while truck and van owners typically pay around $54 per month.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old you may start to see your rates drop back down a bit. In Greenville, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old and eight-to-ten years old.
Greenville Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$60|
On average, people who are married will pay slightly less for insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Greenville is about $18 a month, with married couples paying less for coverage than single drivers.
Greenville Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$71|
Your living situation is another factor that affects your monthly rate. Those who own their own home in Greenville can expect to pay around $4 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
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 car insurance premiums.
Car Insurance Companies in Greenville, TX
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 choosing when and where to shop.
The rates for car insurance in Greenville went up from 2017-2018, where they reached a high of $68, before leveling out in 2019. Policy premiums rose again in 2020, and finished down at $63 in 2022.
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 numerous factors. Your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Community laws
- Total drivers
- Availability of off-street parking
- Crime levels
- Number of car accidents
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 Greenville?
While getting familiar with 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 has you covered. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in Greenville in no time.
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Greenville Auto 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 you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Greenville different from other neighboring cities?
Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Greenville?
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 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Greenville 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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