Greenville's average car insurance cost is similar to South Carolina's state averages of $1,512 for full coverage insurance and $558 for minimum coverage insurance. Drivers in the United States pay an average of $1,674 per year for full coverage and $565 per year for minimum coverage. While Greenville drivers pay a few dollars more than the national average for minimum coverage, they pay $264 less for full coverage.a
Drivers looking for the best cheap car insurance in Greenville should think about factors other than price. For example, USAA only sells insurance to military personnel and some family members, so drivers who are not affiliated with the military should look into Geico or Travelers for low rates.
Allstate, Auto-Owners, and Travelers stand out for their customizable coverage options, and each company offers a different set of discounts. When looking for the best car insurance in Greenville for your needs, you may want to look into which discounts you are eligible for.
Insurance requirements in Greenville
If you own a vehicle that is currently registered in the state of South Carolina, you must have car insurance in Greenville. Drivers must have at least 25/50/25 personal liability insurance, which includes the following:
Per person, $25,000 in bodily injury liability coverage is provided.
Per accident, $50,000 in bodily injury liability coverage is provided.
Property damage liability coverage of $25,000 per accident
South Carolina also requires drivers to have uninsured motorist coverage in the amount of $25,000 per person and $50,000 per accident.
Drivers who purchase a policy with the bare minimum of coverage frequently pay the lowest rate. Minimum coverage insurance, on the other hand, may not cover the full cost of an accident, leaving drivers with out-of-pocket expenses in the event of an at-fault loss. Similarly, liability-only coverage provides no coverage for your own vehicle. To protect their asset, most lenders will require you to carry full coverage insurance, including collision and comprehensive insurance, if you lease or finance your car.
With these factors in mind, you may want to do some research to find the best South Carolina car insurance for your needs.
Greenville auto insurance discounts
Most car insurance companies in Greenville offer discounts that can help drivers reduce their insurance costs. Some of the most common discounts in Greenville are:
Multi-policy discount: Drivers who purchase two policies from the same carrier, such as home and auto insurance, may be eligible for a lower premium.
Claims-free discount: If you haven't had any accidents in the last few years, your insurance company may offer you a claims-free discount.
Telematics discount: You can often get a lower car insurance premium if you drive safely and agree to let your insurance company track your driving habits.
Smart student discount: Students who maintain a minimum GPA in high school or college are often eligible for a discount on their insurance policy.
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