Cheapest Auto Insurance in Greer, South Carolina (2025)

The average cost of car insurance in Greer is $182 per month — lower than the statewide average of $206 per month but higher than the national monthly average of $144.

Greer’s small population of just over 42,000 and less congested roadways could help keep its rates low compared to the rest of the Palmetto State.

The best way to find the lowest rate for your situation is to compare quotes from multiple insurance companies.

3 of the cheapest car insurance companies in Greer

Drivers in Greer pay an average of $182 per month for car insurance, but some of the best car insurance companies in the state offer average monthly rates of much less. The amount you pay for coverage will vary based on your unique situation and coverage needs.1

For example, teen drivers typically find better auto insurance rates through a different insurance company than senior drivers. Below, you’ll find some of the cheapest insurance companies highlighted for different situations.

State Farm: Best overall

USAA: Best for members of the military community

Auto-Owners: Best for customer satisfaction

How to get the cheapest car insurance in Greer

Getting cheap car insurance is a top priority for many drivers. Here’s how to lower your costs:

• Shop around. The cost of car insurance varies by company. If you want to find the best rates for your situation, it’s necessary to compare quotes.

• Raise your deductible. In general, opting for a higher collision or comprehensive deductible leads to a lower rate. If you can comfortably afford to pay a higher deductible after filing a claim, consider making this change.

• Maintain good credit. Insurers use information in your credit record to generate a credit-based insurance score which they use to estimate your risk of filing a claim. A good credit history can mean lower car insurance costs. Consider building your credit by making on-time bill payment a priority.

You can also look for insurers that offer discounts you’re likely to be eligible for.

Cheapest liability-only car insurance in Greer: USAA

Liability-only car insurance covers the cost of damage and injuries you cause during an accident. Like many other states, South Carolina requires all drivers to purchase minimum liability limits.3 While this coverage compensates the other driver for injuries and damages you cause in an accident, this type of coverage won’t help you repair your vehicle or pay for your medical bills.4

Greer drivers pay a monthly average of $157 for liability-only insurance. The following table shows the cheapest car insurance companies for liability-only coverage in Greer.

Cheapest full-coverage car insurance in Greer: USAA

Full-coverage auto insurance offers more financial protection than liability-only coverage. It includes comprehensive and collision coverage. Comprehensive covers incidents like theft, vandalism, weather damage, and falling objects hitting your car. After an at-fault accident, collision coverage can help pay for damage to your vehicle, and your liability policy will cover the other driver’s vehicle.4

If you lease or finance your vehicle, your lender might require you to carry a full-coverage policy.4 But even if you don’t have to carry this insurance, it can provide worthwhile peace of mind for your wallet.

On average, full-coverage policies cost $207 per month for drivers living in Greer. Here are the cheapest car insurance companies for full-coverage policies in Greer.

Car insurance requirements in South Carolina

South Carolina requires drivers to carry a minimum amount of car insurance to drive legally. Based on the South Carolina tort law, you must carry at least the state-minimum auto insurance coverage.3

Insurance professionals often recommend that you buy more coverage than your state's minimum requirements. Higher liability limits provide greater financial protection in case of an at-fault accident. And if you finance or lease your vehicle, your lender or leasing company will require you to carry full-coverage car insurance.

Here are some optional coverages that also offer greater protection on the road.

Cheapest car insurance for drivers with an incident

An incident on the road — including speeding tickets, driving under the influence, and at-fault accidents — can lead to higher insurance costs. After an incident, insurance companies consider these drivers riskier to insure, which leads to higher premiums for several years.

Cheapest car insurance for drivers with a speeding ticket: USAA

When you get a speeding ticket, you can usually expect to pay more for car insurance for three to five years.1 Even so, you can avoid overpaying by comparing quotes across multiple insurance companies.

Liability insurance for Greer drivers with a speeding ticket costs $187 per month for liability coverage and $246 per month for full coverage, on average.

The table below highlights the most affordable liability-only rates for drivers in Greer with a speeding ticket.

Cheapest car insurance for drivers with an at-fault accident: USAA

At-fault accidents on your driving record are a red flag to insurance companies, which often leads to higher insurance costs.1 If you cause an accident, expect your insurance costs to rise.

Liability insurance costs $198 per month, on average, for Greer drivers with an accident.

Check out the lowest average liability-only monthly quotes for Greer drivers with an at-fault accident on their record.

Cheapest car insurance for drivers with a DUI: USAA

Driving under the influence is a serious issue that most insurance companies penalize with higher rates or nonrenewal.5 In South Carolina, a DUI stays on your motor vehicle record permanently. For Greer-based drivers with a DUI, the average monthly quote for liability-only coverage is $197, and full coverage is $260.

Below are the liability-only rates of top car insurance companies in Greer, South Carolina, for drivers with DUIs on their records.

Cheapest car insurance for seniors: USAA

Age can have an effect on your car insurance costs. In general, more experience behind the wheel leads to more affordable car insurance. While rates usually decrease around age 25, around age 70, drivers might start to see their rates climb slightly due to enhanced accident risks.6

The average monthly cost of liability-only insurance for Greer seniors is $136. Explore the cheapest coverage options for Greer seniors in the table below.

Cheapest car insurance for teens: USAA

Age translates into years of experience behind the wheel. Since young drivers have limited experience on the road and a higher risk of accidents, most insurance companies charge higher rates for teenage drivers. In general, rates remain relatively high until a driver hits age 25.1

Liability coverage costs $315 per month for teen drivers in Greer, on average.

The good news is that teens can take action to lower their car insurance costs. For example, teen drivers might choose to stay on their parents’ insurance, drive a safe vehicle, raise their deductible, or maintain good grades in school to get a good student discount.7

But you can still secure affordable rates as a teen driver by starting your search and comparing the most affordable policies for young Greer drivers, as shown below.

Greer car insurance quotes by credit tier

In South Carolina, insurers can consider your credit history in their auto premium calculations.7 In general, drivers with poor credit scores pay more for car insurance than drivers with excellent or good credit scores.

Is car insurance more expensive in Greer?

Drivers in Greer pay lower car insurance costs than drivers in most other parts of the Palmetto State. On average, drivers in South Carolina pay $206 per month for car insurance. But drivers in Greer pay an average of $182 per month.

When compared to other cities, like Columbia and Charleston, drivers in Greer pay significantly less. The range of car insurance costs is partially tied to ZIP code-specific factors, like vehicle crime and accident rates.1

More cities in South Carolina

Explore the average monthly cost of car insurance for drivers in other South Carolina cities below.