Cheapest Auto Insurance in Greer, South Carolina (2025)
USAA offers the cheapest car insurance in Greer, with minimum-coverage policies as low as $56 per month.
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The average cost of car insurance in Greer is $182 per month — lower than the statewide average of $203 per month but higher than the national monthly average of $143.
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.
Quick Facts
USAA, Auto-Owners, and State Farm have the cheapest car insurance in Greer.
Yearly, Greer-based drivers pay a total average of $2,188 for car insurance.
USAA has the cheapest full-coverage insurance in Greer, with policies starting at $88 per month.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
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 $197 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 $193, and full coverage is $254.
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 $316 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 $203 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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Greer car insurance FAQs
If you’re shopping for car insurance in Greer, here’s some additional information that may help. You can also check out Insurify’s guides on the best auto insurers for high-risk drivers and car insurance rates by state to learn more about how where you live and your driving history can affect rates.
How much is car insurance in Greer?
Car insurance in Greer, South Carolina, costs an average of $207 per month for full coverage and $157 per month for liability coverage.
Which companies have the cheapest car insurance in Greer?
The cheapest car insurance companies in Greer are USAA, Auto-Owners, and State Farm. Their liability rates start at $56, $60, and $62 per month, respectively.
While these are the cheapest insurers, compare multiple quotes with the same coverage options to find the company that offers the coverage you need at the best price.
What are the best car insurance companies in Greer?
Among the top car insurance companies in Greer are USAA, Auto-Owners, and State Farm. Not only do these companies have the lowest average rates, according to Insurify data, but they balance solid J.D. Power scores in the Southeast region, superior AM Best ratings, and top IQ Scores.
How much car insurance do you need in South Carolina?
South Carolina requires drivers to purchase minimum policy limits of $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per accident for property damage liability. In addition, the state also requires uninsured motorist coverage at the same liability limits.3
Is South Carolina a no-fault state?
No. South Carolina is a tort, or at-fault, state. Drivers who cause accidents are responsible for paying for the damages and injuries of other parties through their liability coverage.3
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