For drivers in Greenville, one of the more important considerations that are looked at to determine the amount you pay each year for auto insurance is your zip code. Cities with larger populations tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims tend to receive slightly lower rates.

The next table rates the highest-priced places in South Carolina to purchase car insurance in. Greenville is ranked #14 with the yearly price of $1,133 for the average policyholder, which is around $94 monthly.

How much does auto insurance cost in Greenville?
Rank City Annual Rate
1 Summerville $1,278
2 North Charleston $1,262
3 Florence $1,259
4 Goose Creek $1,258
5 Charleston $1,247
6 Sumter $1,215
7 Columbia $1,213
8 Myrtle Beach $1,210
9 Socastee $1,199
10 Saint Andrews $1,184
11 Mount Pleasant $1,177
12 Greenwood $1,143
13 North Augusta $1,139
14 Greenville $1,133
15 Spartanburg $1,127
16 Hilton Head Island $1,127
17 Rock Hill $1,102
18 Aiken $1,097
19 Anderson $1,094
20 Taylors $1,085
21 Wade Hampton $1,080
22 Easley $1,066
23 Greer $1,055
24 Mauldin $1,029
25 Simpsonville $1,019
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Table data uses comparative as the specific area where the vehicle is garaged can decrease or increase auto insurance rates greatly.

Now that we understand where Greenville ranks price-wise, finding out which insurers offer the best insurance rates in Greenville may require more time in order to find the best price. Each insurer has their own guidelines to set their prices, so let's look at the rankings for the insurance companies with the most affordable rates in Greenville, SC.

It's important that you understand South Carolina insurance rates are calculated based on many things that may substantially change the price you pay for coverage. Getting older, having a teenage driver, or having an accident can produce rate changes that can cause some rates to be cheaper than competitors.

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What's the cheapest car insurance in South Carolina?
Rank Company Cost Per Year
1 The Hartford $775
2 USAA $995
3 State Auto $1,138
4 Auto-Owners $1,153
5 Southern Farm Bureau $1,248
6 SC Farm Bureau Mutual $1,286
7 Travelers $1,356
8 National Grange Mutual $1,361
9 State Farm $1,408
10 Allstate $1,589
11 Progressive $1,643
12 Encompass $1,707
13 Nationwide $1,760
14 Safe Auto $1,965
15 GEICO $2,061
16 Liberty Mutual $2,415
17 Bristol West $2,420
18 Safeco $2,744
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The Hartford generally has some of the most affordable car insurance rates in Greenville at around $775 per year. This is $834 less than the average price paid by South Carolina drivers of $1,609. USAA, State Auto, Auto-Owners, and Southern Farm Bureau also rank well as some of the lowest-priced Greenville, SC insurance companies.

In the above example, if you currently buy coverage from USAA and switched to The Hartford, you might see yearly savings of around $220. Insureds with State Auto could save as much as $363 a year, and Auto-Owners customers might reduce rates by $378 a year.

These prices are averaged across all drivers and vehicles in South Carolina and do not factor in a specific location in Greenville. So the insurer that fits your needs best may not even be in the top 18 companies shown above. That emphasizes why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.

The vehicle you are seeking coverage for is a large consideration when comparison shopping for the lowest-priced car insurance in Greenville. Vehicles with limited speed and performance, modern passenger safety features, or a low likelihood of liability claims will cost significantly less to insure than fast, unsafe models.

The next list ranks auto insurance premiums for a handful of the most affordable automobiles to buy coverage for.

Cheapest Vehicles to Insure in Greenville, SC
Vehicle Make and Model Estimated Cost for Full Coverage
Ford F-150 STX Super Cab 2WD $978
Toyota Prius $986
Hyundai Elantra GLS Touring Station Wagon $1,005
Honda CR-V EX-L 4WD $1,033
Ford Edge SEL 2WD $1,035
Chevrolet Impala LS $1,040
Chevrolet Equinox LS 2WD $1,054
Ford Escape Limited 4WD $1,061
Ford Explorer Eddie Bauer AWD $1,073
Jeep Wrangler Sahara 4WD 2-Dr $1,088
Toyota Corolla S $1,112
Jeep Grand Cherokee SRT-8 4WD $1,131
Volkswagen Jetta SE 2.5 Station Wagon $1,148
Nissan Altima 2.5 4-Dr Sedan $1,152
Honda Civic EX-L 4-Dr Sedan $1,167
Dodge Grand Caravan Crew $1,175
Chevrolet Malibu LT $1,181
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,175
Honda Accord LX-S 2-Dr Coupe $1,186
Ford Focus SE 2-Dr Coupe $1,192
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Table data does not factor in garaging location in Greenville, SC which can revise prices substantially.

By looking at the data, we can presume that makes and models like the Ford F-150, Toyota Prius, and Hyundai Elantra are likely to be some of the most affordable vehicles to insure for drivers in Greenville.

Insurance rate increases from tickets or accidents

The common sense way to get low auto insurance rates in Greenville for drivers in Greenville is to drive safe and avoid accidents and keep your driving record clean. The illustration below highlights how traffic violations and accident claims influence insurance costs for each age group. The information is based on a married female driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.

In the prior example, the average cost of an auto insurance policy in South Carolina per year with a clean driving record and no accidents is $1,875. Get written up for one speeding ticket and the average cost surges to $2,184, an increase of $309 each year. Then include two accidents along with the one speeding ticket and the 12-month cost of auto insurance in Greenville jumps again to an average of $4,840. That's an increase of $2,965, or $247 per month, just for a couple of infractions!

How to find the cheapest car insurance in Greenville

Below you'll find some money-saving solutions that can help South Carolina drivers locate more affordable auto insurance.

The last idea is very valuable, as was noted in this article. Insurance rates fluctuate considerably, so don't be hesitant to buy a different policy if a better rate can be found. Having a favorite company is great, but it's not recommended if that loyalty ends up costing money that could be spent on other things. Now is a great time to shop around to find cheaper auto insurance in Greenville.