For a 40-year-old driver with a clean record, car insurance in Greenville, SC, averages about $181 a month ($2,175 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That puts it 4% under South Carolina’s $189 monthly average. GEICO and Progressive are effectively tied for the lowest full-coverage average among the five major insurers we compared (Allstate, GEICO, Progressive, State Farm and Travelers), at about $145 and $148 a month.
Greenville is one of the less expensive places to insure a car in South Carolina. Our benchmark driver pays about $8 a month less here than the state average, and about $27 a month less than in Charleston.
Looking for cheap or affordable auto insurance in Greenville, SC? The insurer you pick matters more than your ZIP code: our seven Greenville ZIP codes run from about $176 a month in 29607 and 29615 to $189 in 29611, while GEICO and Progressive average about $104 and $101 a month less than Allstate. These are personal auto prices; commercial auto insurance for a business vehicle is priced separately.
Cost data comes from the auto rates insurers file with state regulators, priced across all seven Greenville ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
In rates filed as of Aug. 31, 2026, car insurance for a 40-year-old driver with a clean record in Greenville, SC, costs about $181 a month ($2,175 a year) for full coverage and $70 a month for liability-only coverage at South Carolina’s 25/50/25 minimum. The South Carolina average is $189 a month, so that figure is 4% lower.
GEICO and Progressive are effectively tied for the lowest full-coverage average among the five insurers in our Greenville rate data. The seven published 2026 statewide South Carolina rate studies we reviewed disagree on the cheapest insurer for full coverage, apart from USAA, which sells only to military families: three put American National first, two Auto-Owners and two put other insurers first. For liability-only coverage at 25/50/25 limits, GEICO has the lowest average among these five insurers, at about $48 a month, followed by Progressive at $57.
Full-coverage averages by insurer in Greenville
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $581 | $48 | $1,734 | $145 |
| Progressive | $679 | $57 | $1,778 | $148 |
| Travelers | $842 | $70 | $2,002 | $167 |
| State Farm | $1,073 | $89 | $2,367 | $197 |
| Allstate | $1,048 | $87 | $2,992 | $249 |
| American National* | $390 | $33 | $915 | $76 |
| USAA (military families)* | $418 | $35 | $1,316 | $110 |
| Auto-Owners* | $602 | $50 | $1,419 | $118 |
| South Carolina Farm Bureau* | $606 | $51 | $1,527 | $127 |
| Greenville average | $845 | $70 | $2,175 | $181 |
This table uses Greenville ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Across the seven Greenville ZIP codes we price, full coverage for our driver ranges from about $176 a month in 29607 and 29615 to $189 in 29611, a gap of $155 a year.
Lowest-priced Greenville ZIP codes
Highest-priced Greenville ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Greenville’s average.
| ZIP Code: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 29601 | $839 | $70 | $2,160 | $180 | -1% |
| 29605 | $849 | $71 | $2,174 | $181 | About average |
| 29607 | $813 | $68 | $2,113 | $176 | -3% |
| 29609 | $852 | $71 | $2,187 | $182 | +1% |
| 29611 | $886 | $74 | $2,263 | $189 | +4% |
| 29615 | $810 | $68 | $2,108 | $176 | -3% |
| 29617 | $864 | $72 | $2,217 | $185 | +2% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $172 a year on average in our Greenville data, with the same $500 deductibles. That’s about $14 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the same insurers in the same Greenville ZIP codes, full coverage averaged $2,266 a year nine months earlier and $2,175 in rates as of Aug. 31, 2026, a 4.0% drop. State Farm cut its Greenville average 16.2%, while Allstate’s, GEICO’s, Progressive’s and Travelers’ averages were unchanged. Liability-only coverage at 25/50/25 limits fell 2.5%, led by State Farm, which cut its liability-only average 9.4%.
The Upstate is the least expensive part of South Carolina in our data. Greenville County averages $2,139 a year for full coverage, the seventh-least expensive of the 44 counties we price, and nearby Pickens and Oconee counties are the two least expensive, at $169 and $164 a month.
Suburbs cost a little less: Mauldin averages about $171 a month, Simpsonville $170, Taylors $180 and Easley $173. GEICO’s Greenville average, about $145 a month, ties Myrtle Beach for its lowest of the 11 South Carolina cities we publish a guide for. Insurers group South Carolina ZIP codes into rating territories approved by the state Department of Insurance, which is why neighboring towns can be priced differently.
More South Carolina cities and towns are in the South Carolina rates by city table, and you can compare states on our car insurance rates by state page.
Greer, about 11 miles northeast, averages $177 a month, and Spartanburg, about 27 miles east, $186. Columbia averages $196. For the statewide picture, see our guide to South Carolina car insurance rates.
Drivers in Greenville follow South Carolina’s rules. Every policy must include at least:
Insurers must also offer underinsured motorist coverage, which is optional, according to the South Carolina Department of Insurance. South Carolina is an at-fault state and doesn’t require personal injury protection. Our South Carolina requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from South Carolina law and the South Carolina Department of Insurance. We refresh these figures when new rate data is released.
Car insurance in Greenville, SC, costs about $181 a month ($2,175 a year) for full coverage and $70 a month for liability-only coverage at South Carolina’s 25/50/25 minimum, for a 40-year-old driver with a clean record, in rates filed as of Aug. 31, 2026. That’s 4% below the South Carolina average of $189 a month.
GEICO and Progressive are effectively tied for the lowest full-coverage average among the five major insurers we compared in Greenville, at about $145 and $148 a month. Travelers’ average is next, at $167. American National*, which we price from published rate studies, comes in lower, at about $76 a month. For liability-only coverage, GEICO has the lowest average among the five major insurers we compared, at about $48 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
Cheaper than most of the state, for our benchmark driver. Greenville full coverage averages about $181 a month, 4% below the South Carolina average, and Greenville County is among the least expensive counties in our data. GEICO and Progressive are effectively tied for the lowest full-coverage average among the five major insurers we compared here, at about $145 and $148 a month.
In our data, 29607 and 29615 share the lowest full-coverage average in Greenville, at about $176 a month, and 29611 the highest, at about $189. The ZIP code table on this page lists all seven.
In our Greenville data, full coverage (100/300/100 with $500 deductibles) averages about $181 a month and liability-only coverage at 25/50/25 limits about $70, a difference of about $111 a month ($1,330 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. South Carolina law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Greenville must carry South Carolina’s minimums: $25,000 per person and $50,000 per crash in bodily injury liability, $25,000 in property damage liability (25/50/25) and uninsured motorist coverage at the same limits. Insurers must also offer underinsured motorist coverage, which is optional, and South Carolina doesn’t require personal injury protection.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Greenville full coverage fell 4.0% over the past nine months, from about $2,266 to $2,175 a year. State Farm cut its Greenville average 16.2%, and the other four insurers’ averages were unchanged. Liability-only coverage at 25/50/25 limits fell 2.5%.
For our benchmark driver, full coverage in Greenville averages about $181 a month. Nearby, Greer averages about $177, Spartanburg about $186 and Rock Hill about $181. Greer and Rock Hill are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
