Cheapest Auto Insurance in Greenville, North Carolina (2025)

Drivers in Greenville pay an overall average of $80 per month for car insurance — similar to North Carolina’s average of $75 but lower than the national average of $143 per month.

Located in the state's north central coastal plains region, Greenville is the 12th most populous city in the state.1 The city’s population and visitor traffic likely contribute to its slightly higher auto insurance rates. Premiums vary from insurer to insurer, so it’s important to compare car insurance quotes from multiple insurers before deciding on a policy.

3 of the cheapest car insurance companies in Greenville

No single auto insurance company is right for everyone. Each company offers different rates, insurance products, and discounts. The best policy for you depends on your coverage needs, budget, and ability to qualify for coverage. 

It’s a good idea to compare companies side by side before buying a policy, rather than just picking the cheapest insurer.

Best insurer for students: State Farm

Best insurer for commuters: GEICO

Best insurer for renters: Progressive

How to get the cheapest car insurance in Greenville

Auto insurance companies consider many factors to establish the price of a policy, including age, driving history, location, credit record, vehicle, and more. While you can’t control every factor insurers use to determine rates, you can do a few things to ensure you’re paying only what you have to.

Here are a few tips for getting cheap car insurance in Greenville:

• Compare quotes. Shopping around is the best way to ensure you’re not overpaying for auto insurance coverage. Working with an independent or exclusive agent, or using a car insurance comparison site can help you save time and money.

• Bundle insurance coverages. Many auto insurers offer discounts when you purchase multiple products from the came insurer, such as auto and home or auto and renters insurance.

• Increase your deductible. Higher deductibles typically result in lower rates.

• Eliminate unnecessary coverage. You want enough coverage to avoid paying for accident-related expenses out of pocket, but it doesn’t make sense to maintain coverage you don’t need, especially if your vehicle has a low cash value.

Cheapest liability-only car insurance in Greenville: Progressive

Liability coverage helps protect other people and their property. If you’re at fault in an accident, your liability coverage kicks in to pay the medical bills of other drivers and passengers involved. It also pays to repair their vehicle(s) and other damaged property. But it doesn’t cover your medical bills, and it won’t pay for repairs to your car.

Liability insurance in Greenville costs an average of $69 per month. The table below outlines the cheapest liability-only policies for drivers in Greenville.

Cheapest full-coverage car insurance in Greenville: Nationwide

Full-coverage car insurance offers more protection than a liability-only policy. In addition to liability coverage, it includes comprehensive and collision, which pays to repair your vehicle. Comprehensive insurance covers repairs from non-accident-related damage, such as theft, vandalism, and severe weather. Collision insurance covers damage from a crash with another car or object.

Greenville drivers pay a monthly average of $92 for full coverage. Here’s a look at the cheapest full-coverage car insurance quotes in Greenville.

Car insurance requirements in North Carolina

North Carolina is an at-fault state for car insurance, meaning that if you’re at fault in an auto accident, you can be held liable for injuries and property damage.4 If you have auto insurance, the insurance company will cover your liability up to the policy limit.

The state requires drivers in North Carolina to maintain certain minimum amounts of uninsured/underinsured motorist (UI/UIM) coverage, bodily injury liability coverage, and property damage liability coverage, as shown in the table below.5

As of July 1, 2025, North Carolina’s minimum coverage requirements will change.

While liability and uninsured/underinsured motorist are the only coverages the state requires, other coverage can provide additional protection.

North Carolina Safe Driver Incentive Plan

The North Carolina Safe Driver Incentive Plan imposes financial penalties for unsafe driving behaviors ranging from speeding to driving under the influence of alcohol or drugs. Each behavior is assigned a point value and a mandatory increase in your insurance premium. The amount your premium increases varies based on the severity of the offense.6

Cheapest car insurance for drivers with an incident

Incidents such as speeding tickets, at-fault accidents, driving under the influence, highway racing, and more can lead to higher premiums for several years. Drivers with an incident on their record usually pay more than people with clean driving records.

For example, under the North Carolina Safe Driver Incentive Plan, insurance rates increase by 40% if you’re caught going 10 MPH or less over the speed limit in a 55 MPH zone. You can expect to pay 260% more if you participate in highway racing.6

Cheapest car insurance for drivers with a speeding ticket

In North Carolina, your premium will increase by 40% to 90% after receiving a speeding ticket, depending on the speed limit and how far above it you were driving.6 Insurers raise rates on policyholders who speed because they view them as higher-risk drivers who are more likely to cause an accident and file a claim.

Greenville drivers with speeding tickets face an average monthly rate of $130 for full coverage and $98 for a liability-only policy. See how liability-only auto insurance rates for drivers with a speeding ticket compare to rates for people with a clean driving record.

Cheapest car insurance for drivers with an at-fault accident

Every time you file a claim, it costs the insurance company money. If you’re at fault in an accident, your insurance company is on the hook for covering bills from injuries and property damage. They increase your insurance rates to help cover their losses and manage their risk going forward.

An at-fault accident can bump Greenville drivers’ rates to an average of $102 per month for liability coverage and $136 for full coverage. The data below outlines the average cost of liability-only auto insurance if you have an accident on your driving record.

Cheapest car insurance for drivers with a DWI

If you get a DWI in North Carolina, your insurance rates will more than triple, and some insurers may cancel your policy mid-term or non-renew it at the end of the current term.6 Insurance companies consider drivers with a DUI on their record as high-risk and increase their rates to reflect that.

Greenville drivers with a DUI on their record pay an overall average of $141 per month for car insurance. The table below highlights affordable liability-only car insurance in the city for drivers with DWIs.

Cheapest car insurance for seniors

Insurance rates tend to decrease as drivers get more experience behind the wheel. Drivers with a clean record often experience rate decreases starting around age 25. Rates typically continue declining slowly until you hit retirement age. Then, around 70, rates typically start creeping up again due to increased accident risk.

Senior drivers in Greenville pay an overall average of $72 per month for car insurance. The table below shows some cheap auto insurance companies for seniors in Greenville.

Cheapest car insurance for teens

Teenagers pay more for car insurance than most other age groups. Because teens have little experience behind the wheel and typically engage in more reckless driving behaviors, they’re more likely to get in an accident.7

To help offset this risk, insurance companies charge teens higher rates. Teen drivers in Greenville pay an overall average of $161 per month for car insurance.

While no one can change their age, teens can do some things to get the best rate possible:

• Stay on their parents’ policy. Adding a teen to an existing policy is almost always cheaper than purchasing a separate one. Minor teens won't be able to buy their own policy without written consent from a parent or guardian.

• Drive a safe car. Cars that have vehicle safety features and higher safety ratings typically cost less to insure.

• Put safety first. Some insurance companies offer discounts to teens who take a driver safety course.

• Take schoolwork seriously. Some insurers offer a good student discount to teens who maintain a specific GPA (typically 3.0 or higher).

The table below shows some of the cheapest monthly car insurance quotes for teens and young drivers in Greenville.

Greenville car insurance quotes by credit tier

Auto insurers in the Greenville community may consider your credit history when determining your car insurance premium.8 Credit-based insurance scores help insurance companies estimate their losses by predicting the likelihood that someone will file a claim.

Policyholders with excellent or good credit are less likely to file a claim. As a result, they typically qualify for lower rates than policyholders with poor credit. The table below shows average quotes for drivers by credit tier.

Is car insurance more expensive in Greenville?

Greenville drivers pay an average of $80 per month for car insurance, less than the national average. But it’s on the higher end when it comes to North Carolina cities.

Prices vary widely across North Carolina, where auto insurance premiums in Asheville and Jacksonville are much lower than in Greenville, and rates in Chapel Hill are much higher.

More cities in North Carolina

On average, Greenville drivers pay more for auto insurance than drivers in many other North Carolina cities. Prices vary widely across North Carolina and vary based on things like ZIP codes, theft and vandalism rates, weather-related damage, and accidents.9

The table below shows how Greenville’s rates stack up against other cities in the state.

Greenville car insurance FAQs