Car Insurance in Greenville-Anderson-Mauldin, SC
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Low-Cost Coverage You Can Trust
The towns of Greenville, Anderson, and Mauldin that anchor what is known as the Greenville metro area serve as the population centers for both Greenville and Anderson counties in South Carolina. Located in the northwest corner of the state, this rapidly growing hub includes the largest school district in South Carolina.
Residents and visitors alike have access to the steepest and fastest zipline canopy tour in America at The Gorge. With many waterparks and museums, plus plenty of outdoor attractions, the Greenville-Anderson-Mauldin, SC area is a go-to destination.
Quick Facts
- The average cost of full coverage car insurance in Greenville is $1,488/year, while the state-required minimum will run about $648 per year.
- There were four fatal crashes in Greenville, one in Anderson and two in Mauldin in 2019.
How Much is Car Insurance in Greenville-Anderson-Mauldin, SC?
The average annual premium for auto insurance in the Greenville metro area is $1,488 for full coverage. That amount is below the national average of $1,674 and close to the average across South Carolina at $1,512. When determining the average cost of insurance, we consider policy rates that apply to single males, age 30, with an otherwise clear record. Understanding the average rate of insurance is helpful, but your specific South Carolina car insurance premiums will depend on multiple factors.
Car insurance rates can vary depending on where you live. Here is a comparison between a few cities in South Carolina.
| City | Average Annual Premium for Full Coverage | State Required Minimum or Liability Coverage |
|---|---|---|
| North Charleston | $1,800 | $756 |
| Summerville | $1,752 | $720 |
| Charleston | $1,788 | $708 |
| Greenville | $1,488 | $612 |
There could be other factors that affect the cost of car insurance in the Greenville metro area. These factors could include your accident history, age, or even your zip code.
It is helpful to note that while the cost of car insurance might seem high, the expenses you will incur if you are involved in an accident without adequate coverage are much higher. If you cause an accident, you could be on the hook not only for your own damages, but the other driver’s as well. The good news is that there are several steps you could take to reduce the cost of your auto insurance.
Greenville-Anderson-Mauldin Affordable Car Insurance Rates by Zip Code
Your zip code could have a major impact on the cost of your car insurance. Insurers understand that certain zip codes have more accidents than others, and drivers living in those zip codes are likely to pay more. In total, there are 17 zip codes covering Greenville and the surrounding metro area.
| Zip Code | Average Monthly Car Insurance Rate for Full Coverage | State Required Minimum or Liability Coverage |
|---|---|---|
| 29607 | $128 | $51 |
| 28601 | $131 | $54 |
| 29611 | $136 | $54 |
| 29609 | $132 | $54 |
| 29605 | $132 | $54 |
Greenville-Anderson-Mauldin Low Cost Car Insurance Rates by Age
Few factors are more important when it comes to determining the cost of car insurance than your age. Younger drivers tend to pay the most, but premiums drop over time. As drivers age, those premiums rise once more. Building a clean driving record could help offset these age-related expenses.
| Age | Average Monthly Car Insurance Rate for Full Coverage | State Required Minimum or Liability Coverage |
|---|---|---|
| 18 | $401 | $166 |
| 20 | $268 | $108 |
| 30 | $128 | $51 |
| 40 | $122 | $49 |
| 50 | $110 | $45 |
| 60 | $108 | $44 |
| 70 | $121 | $52 |
Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by South Carolina. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.
Driving Conditions in Greenville-Anderson-Mauldin
How Many Fatal Accidents Happen in Greenville-Anderson-Mauldin?
In 2019, there were seven fatal traffic accidents that occurred in the Greenville metro area. Four of these fatalities occurred in Greenville, with one more occurring in Anderson. The remaining two fatalities happened in Mauldin.
How Are the Road Infrastructure and Bridges in Greenville-Anderson-Mauldin?
As the Greenville metro area continues to grow, the surrounding road systems struggle to grow along with it. That does not mean the city is not engaged in any efforts to improve infrastructure, however, as there is an ongoing project to widen I-85.
One the state level, South Carolina has received a grade of “D” on its 2021 Infrastructure Report Card. This is lower than the national average and indicative of poor infrastructure in general. While the state received average marks for its bridges, the quality of the roads also received a “D” grade.
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Minimum Car Insurance Requirements in Greenville-Anderson-Mauldin
Any time a motorist causes an accident in South Carolina, they are personally liable for any damage they cause. To ensure motorists are protected financially in an accident, South Carolina requires all drivers to maintain a minimum level of liability insurance.
South Carolina is an “at-fault” state, meaning that you have the right to pursue a lawsuit against a negligent driver that causes your accident. Liability insurance is designed to cover those expenses when you are at fault. The state requires a minimum level of liability coverage, which includes:
- $25,000/$50,000 for bodily injuries per person/accident
- $25,000 for property damage per accident
- $25,000/$50,000/$25,000 uninsured motorist coverage
State law only requires liability insurance, but if you financed your car, it is possible that your lender might require additional coverage. Many lenders require their insured drivers to purchase full coverage insurance. Full coverage not only covers any liability claims against you but also pays for your own damages as well, plus comprehensive and collision.
Factors Allowed in Greensville-Anderson-Mauldin Car Insurance Rates
There are numerous rating factors that could be used to determine the cost of your car insurance in the Greenville metro area. Some of these factors could include:
- Your age
- The value of your vehicle
- Your claims history
- Your accident history
- Your gender
- Your marital status
Discounts for Car Insurance in Greenville-Anderson-Mauldin
One of the best ways to save money on car insurance in the Greenville metro area is through discounts. You could be entitled to a variety of discounts, including:
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Good student
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Safe driver
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Paperless
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Military
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Bundling policies
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Automatic payment
What are the Penalties for Driving Without Insurance in Greenville-Anderson-Mauldin?
You could face serious penalties for driving without insurance in South Carolina. A first-time offender could spend up to 30 days in jail and have their license suspended. There are additional penalties for repeat offenders. What’s more, it could be necessary to maintain SR-22 coverage to get your license back.
Get a Greenville-Anderson-Mauldin Cheap Car Insurance Quote Today!
Freeway Insurance is ready to help you find the best car insurance in Greenville-Anderson-Mauldin, South Carolina. Get started with a quote online, or visit us at a Greenville office near you. You can also call us at (800) 777-5620 for a quote.