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.
|16||Hilton Head Island||$1,127|
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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.
Compare Cheap Insurance Quotes in Greenville
|Rank||Company||Cost Per Year|
|5||Southern Farm Bureau||$1,248|
|6||SC Farm Bureau Mutual||$1,286|
|8||National Grange Mutual||$1,361|
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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.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Ford F-150 STX Super Cab 2WD||$978|
|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.
- Bundle home and auto and earn a discount
- Earn discounts for being claim-free
- Do not pay for comprehensive and collision coverage on older vehicles
- Buy a safer vehicle
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Drive attentively and avoid accidents
- Compare rates regularly to ensure the best deal
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.