Car Insurance in Greenville, South Carolina

Having the right car insurance matters. GEICO makes it easy for Greenville drivers to get dependable and affordable coverage. Plus, our digital tools, local support, and flexible options are designed to match your lifestyle. Whether you're new to the area or a lifelong South Carolinian, GEICO helps you stay protected behind the wheel with a policy that fits your needs and budget.

Get a Car Insurance Quote in Greenville, SC

Our online quote tool gives you a quick, free estimate tailored to your vehicle, driving habits, and coverage preferences. You can adjust limits, explore discounts, and compare options from the comfort of your home. Get started now and contact us to get your free car insurance quote for Greenville, SC.

Minimum Car Insurance Requirements in Greenville, South Carolina

To legally drive in South Carolina, you must carry the state’s minimum liability coverage. This coverage helps pay for injuries or property damage you cause in an accident.

Here are the minimum limits required by law in South Carolina:

Coverage Type South Carolina Minimum Limit
Bodily Injury Liability $25,000 per person / $50,000 per accident
Property Damage Liability $25,000 per accident
Uninsured Motorist (Bodily Injury) $25,000 per person / $50,000 per accident
Uninsured Motorist (Property Damage) $25,000 per accident

These limits are just the legal baseline. GEICO can help you personalize your policy with higher limits or added coverages for better peace of mind on Greenville’s roads.

Auto Insurance Coverages in Greenville, South Carolina

Many Greenville drivers add extra protection beyond liability to safeguard their vehicles and finances in the event of accidents, weather events, or unexpected medical expenses. Here are the core coverages to consider:

Liability Coverage

Required in South Carolina, liability coverage helps pay for medical costs, lost wages, and property damage if you're at fault in an accident. It includes both bodily injury and property damage protection.

Collision & Comprehensive

Collision coverage covers your vehicle if it's damaged in an accident with another car or object. Comprehensive coverage steps in for non-crash incidents like theft, fire, vandalism, hail, or hitting an animal. These are especially useful in South Carolina’s storm-prone climate.

Medical Payments

Optional medical payments coverage can help pay for injuries to you or your passengers after an accident, regardless of who is found to be at fault. It can cover ambulance rides, surgery, and follow-up care.

Uninsured/Underinsured Motorist Coverage

Uninsured Motorist (UM) coverage and Underinsured Motorist (UIM) coverage both provide financial protection if you're involved in an accident with a driver who lacks sufficient insurance. However, there's an important distinction between the two. Uninsured Motorist coverage is required in many states and safeguards you if you're hit by someone who has no insurance at all.

On the other hand, Underinsured Motorist coverage is often optional and offers protection when the at-fault driver’s insurance coverage isn’t enough to fully cover your damages.

Together, these coverages ensure you're not left paying out-of-pocket for someone else’s mistake, giving you peace of mind on the road.

Greenville, South Carolina Car Insurance Discounts

When it comes to keeping your auto insurance affordable, GEICO offers Greenville drivers a wide range of discount opportunities. You may qualify for these GEICO discounts:

  • Multi-policy: You can unlock additional savings when you combine your GEICO auto insurance with another policy, such as renters, homeowners, or motorcycle insurance.
  • Good driver: If you’ve maintained a clean driving record without recent accidents or violations, you may be eligible to receive a reduced auto insurance rate.
  • Good student: Students with strong grades may earn a discount.
  • *DriveEasy: You may be eligible to get rewarded for good driving by participating in the DriveEasy program through the GEICO mobile app.

How Much Does Car Insurance Cost in South Carolina?

Car insurance for South Carolina drivers typically falls below the national average. If you’d like guidance on coverage, the best fit, and more protection options, use GEICO’s coverage calculator for information best suited for your needs and budget.

Optional Car Insurance Coverages and Add-Ons

GEICO offers several additional coverages designed to provide extra protection and convenience for Greenville drivers. These options help you stay prepared for life’s bumps, big or small.

  • Emergency Roadside Service: Covers towing, lockouts, jump-starts, and flat tire changes when you’re stranded on the side of the road.
  • Rental Car Reimbursement: Helps pay for a rental car while yours is being repaired after a covered claim.
  • Mechanical Breakdown Insurance: Helps cover the cost of certain repairs to your vehicle’s mechanical parts, including items not covered under the manufacturer’s warranty, and may continue providing protection even after your manufacturer’s warranty expires.
  • Medical Payments Coverage (MedPay): Offers extra protection for you and your passengers in case of injuries, even if you’re at fault in an accident.

You can choose one or more add-ons depending on your driving habits and comfort level.

Get a Free Greenville Car Insurance Quote Today!

Finding the right auto insurance in Greenville is easier than you think. GEICO helps you compare quotes, personalize coverages, and explore savings, all in just a few clicks. If you’d rather speak to someone, you can call a GEICO specialist or use the GEICO Mobile App to get started.

Disclaimer:

*DriveEasy is an optional program that is not available in all states and situations. Premium rates generally will vary based on participation in the program and the driving habits logged by the app. All enrolled drivers on a policy need to participate. Driver enrollment requirements differ by state and program details and are presented during your quote.

Discounts vary by policy and location. You can explore details on GEICO’s car insurance discounts page.