Cheap Auto Insurance Quotes in Greer, SC (2023)

Public transit is nonexistent in Greer, and residents rely on their cars for almost all errands, as the city is not walkable. Nearly 94 percent of Greer workers commute by car. Having a car insurance policy is absolutely essential to getting around in Greer.

Car Insurance in Greer, SC

The average cost of South Carolina car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Greer, SC to find you the cheapest quotes in the area.

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• Cheap Car Insurance South Carolina

• Compare Car Insurance

Cheapest Car Insurance in Greer, SC

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Greer, SC

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Greer. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in South Carolina

All motor vehicles operated or parked on South Carolina roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in South Carolina^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. South Carolina is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per person for uninsured/underinsured motorist bodily injury

• $50,000 per accident for uninsured/underinsured motorist bodily injury

• $25,000 per accident for uninsured/underinsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In South Carolina, drivers are requred to purchase this coverage for both bodily injury and property damage.

Greer Car Insurance Rates by Driver Age

Hardworking teenagers will have a tough time paying for car insurance if they don’t want to let grades, sports, or other extracurriculars slip. Just a few years’ experience drops the rate by more than $150 per month, or $1,800 per year. From there, the rates slide down and stay below the state average of $311. People in their 50s see a speed bump. But then people in their 60s, who downsized after the kids moved out, see their rates at $127, which is $300 cheaper than the youngest drivers’ cost.

Greer Car Insurance Rates by Driving and Accident History

South Carolinians know that safe driving is smart driving, and the insurance companies agree. That’s why they reserve “good driver” and “accident-free” discounts for those who have clean records. Why do those with speeding tickets pay less than the safer drivers? Often, drivers with violations on the record strip down their policies. That means they may choose liability-only and skip comprehensive and collision coverage, whereas those with no violations can afford the added protection. Either way, three years of careful driving, and your record goes back to clean.

See More:

• High-risk Car Insurance South Carolina

• DUI Car Insurance South Carolina

Greer Car Insurance Rates by Credit Tier

Many drivers are confused about what their credit score has to do with their ability to drive. But in the Palmetto State, it’s perfectly legal for car insurance companies to use credit history when deciding rates. But why do people with excellent credit pay the most? Often, drivers with better credit finance costlier cars and must buy higher coverage levels to protect their assets. That said, drivers with average credit who move to good credit can save $900 a year.

See More: Bad Credit Car Insurance South Carolina

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Greer, SC DMV Information

When it comes time to register your vehicle or renew your license, the Greer branch of the South Carolina DMV can assist you with all your needs.

Public Transportation in Greer, SC

Only about 1 percent of residents walk to work and 4 percent work from home. The rest of the city’s residents rely on their cars to commute an average of 22 minutes. The average household in Greer has two cars. To ensure safe and legal driving, families need a car insurance policy that covers both vehicles. There are no public transit routes in Greer, so residents without a vehicle need to rely on Uber or Lyft.

For more detailed South Carolina city level guides, check out these below.

• Average Cost of Car Insurance Rates in South Carolina

• DUI Car Insurance Rates in South Carolina

• High-Risk Driver Car Insurance Rates in South Carolina

• South Carolina Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in South Carolina

• SR-22 Insurance in South Carolina

How to get the best and cheapest car insurance in Greer, SC

Getting in an accident without car insurance in South Carolina can destroy your finances. Luckily, auto insurance in Greer is affordable, and you can compare quotes to get a low premium.

About 9 percent of South Carolina drivers don’t have car insurance. If you’re hit by a driver who isn’t insured, you’ll be covered by uninsured motorist coverage. But you may also want to purchase underinsured motorist coverage, which insurers in the state are required to offer. This can be helpful if the at-fault driver doesn’t have enough coverage to pay for your injuries or the damages to your vehicle.

FAQs - Greer, SC Car Insurance