South Carolina mandates that vehicle owners have car insurance in Greenville. According to Bankrate’s 2021 study on annual premiums, the average cost of Greenville car insurance is $1,410 for full coverage and $573 for minimum coverage. Our research shows that Allstate and Geico offer the lowest average annual minimum coverage premiums. Geico and Travelers, however, offer the most affordable average annual full coverage premiums. This includes comprehensive and collision coverage.
Some drivers may be looking for the cheapest car insurance in Greenville, while others might be interested in finding top-notch customer service and a smooth mobile app experience. Bankrate’s editorial team analyzed several factors to determine our picks for the best car insurance companies in Greenville so that you can find the best coverage for your individual preferences.
Greenville’s best car insurance company
Greenville residents have many choices when it comes to car coverage. To find you the best car insurance companies in Greenville, Bankrate’s editorial team utilized the latest premium data from Quadrant Information Services and researched customer satisfaction using the 2021 J.D. Power 2021 U.S. Auto Insurance Study. To find the best Greenville car insurance, we searched for companies that offer strong customer service, efficient online tools, and generous discounts.
Geico
Geico offers affordable car insurance rates to Greenville drivers. The company also has a long list of discounts, including savings for military personnel, federal employees, good students, safe drivers, having a vehicle with safety equipment, paying in full and more. Geico’s car insurance coverage is fairly basic, but drivers can add roadside assistance, rental car replacement and mechanical breakdown insurance for more protection.
Auto-Owners
Not only does Auto-Owners have affordable rates, but the company also offers valuable endorsements. You can upgrade your policy to include diminished value coverage, gap coverage, roadside assistance, and the Personal Automobile Plus package, which includes 10 additional coverages like lock replacement reimbursement and cell phone replacement coverage.
Progressive
Progressive is well-known for its online tools and resources. Greenville drivers can use the Name Your Price Tool to find coverage options within their budget and even compare Progressive’s prices to other popular providers. Progressive offers a wide range of discounts. You can save money by bundling your policies and enrolling in paperless statements.
USAA
USAA is an insurance company that sells only policies to military personnel, retired military personnel, and certain family members. The company provides reliable coverage, low rates and great customer service to all who qualify. USAA offers discounts for good students, safe drivers, garaging your vehicle on a military base, taking a driver training course and more. Flexible payment options are also available.
Southern Farm Bureau
Southern Farm Bureau offers drivers a lower-than-average Greenville area coverage rate and generous savings opportunities that can help them save even more. Additionally, Southern Farm Bureau offers DriveDown, which is the company’s deductible rewards program. Safe driving habits can help lower your deductible and save you 5% on your first trip.
Greenville has the lowest car insurance
Greenville’s average cost of car insurance hovers around South Carolina’s state averages of $1,512 per year for full coverage insurance and $558 per year for minimum coverage insurance. On average, drivers pay $1,674 annually for full coverage, and $565 for minimum coverage. Greenville drivers spend $264 less on full coverage than they do for minimum coverage, but they pay a little more for Greenville’s average insurance premium.
Greenville’s low rates allow drivers to choose from a variety of competitive insurance providers. The table below shows Greenville’s most affordable car insurance companies based on market share.
Greenville drivers looking for cheap car insurance may need to look beyond the price. USAA sells only insurance to military personnel, so drivers who are not military members may be interested in Geico or Travelers, which offer low rates.
Allstate, Auto-Owners, and Travelers are the best because they offer customizable coverage options and different discounts. When looking for the best Greenville car insurance, you might want to check which discounts are available.
Greenville insurance requirements
If you have a car registered in South Carolina, Greenville car insurance is required. Drivers must carry at least 25/50/25 personal liability coverage, which includes:
- $25,000 bodily injury liability coverage per individual
- $50,000 bodily injury liability coverage per accident
- $25,000 per accident in property damage liability coverage
South Carolina requires that drivers have uninsured motorist coverage equal or greater than the minimum liability limits of $25,000 per individual and $50,000 per accident.
Minimum coverage policies often have the lowest rates for drivers who buy them. Although minimum coverage insurance does not necessarily cover all costs of an accident, drivers may be responsible for any out-of-pocket losses if they are at fault. Liability-only coverage doesn’t offer protection for your vehicle. To protect your vehicle, lenders will often require that you have full coverage insurance if you lease or finance it.
With these considerations in mind, you may want to do some research to find the best car insurance in South Carolina for your needs.
Greenville, TN: Get Car Insurance Discounts
Many Greenville car insurance companies offer discounts that will help drivers reduce their insurance costs. The following are some of the most popular discounts in Greenville:
- Multi-policy Discount: Drivers who have two policies with the same carrier (e.g. auto and home) often get a discount on their premiums.
- Insurance companies may offer a claim-free discount if you have not had any accidents in the past few years.
- Telematics Discount: If you are safe and willing to let your insurance company track your driving habits, you can often get a lower auto insurance premium.
- Smart student discount: Students who have a minimum GPA at college or high school can often receive a discount on their insurance policies.
Questions frequently asked
Which is the best auto insurance company?
The best car insurance company is different for every driver. Different drivers have different needs. Some are looking to get the lowest rates while others want specific coverage options. Others are looking to receive excellent customer service. It is best to search for the right company to insure your car. Compare providers by using your criteria. Get multiple quotes for the coverage and type you require.
What is the cost of car insurance in Greenville?
Greenville’s average car insurance policy covers $1,410 annually, while the average policy covers $573 annually. Greenville’s car insurance premiums are similar to South Carolina’s average premium.
What amount of Greenville car insurance do you need?
Greenville drivers must have at least 25/50/25 personal coverage and 25/50 coverage for uninsured motorists. Many insurance companies recommend that drivers increase their liability coverage to provide more protection in the event of an at-fault collision. Full coverage insurance might be the best option depending on your circumstances. It may be beneficial to speak with a licensed agent about your car insurance requirements.
