Greer Car Insurance

Everything You Need to Know About Car Insurance in Greer, SC

Find the right car insurance policy for you.

Greer is a small city of approximately 27,000 people in the northwestern part of South Carolina. Though the city itself is small, it sees heavy traffic flow thanks to the two major highways that run through the city and to its proximity to the Greenville-Spartanburg International Airport. All this extra traffic increases the risk of collisions, so it is particularly important that residents of Greer, SC carry a Greer car insurance policy that meets or exceeds the state’s coverage requirements.

While you are required to carry car insurance, you are not required to overpay for your policy. An independent insurance agent in our network can help you collect and compare Greer car insurance quotes so that you can find the policy that provides the best value for your hard-earned money. Find an agent with an office near you to learn more.

  • National average cost per year: $1,311
  • South Carolina average cost per year: $1,210
  • 31st most expensive auto premium in U.S.

While the average car insurance rates in the state of South Carolina are slightly lower than the national average, these figures should be used only to get a ballpark idea of how much you might expect to pay. Your actual Greer auto insurance costs are calculated by the insurance companies based on several different factors including but not limited to the make, model and year of the vehicle(s) you wish to insure; your driving record and claims history; the amount of coverage you wish to purchase; the size of your deductible; and in some cases, even your credit score. Each insurance company has its own proprietary method for calculating costs, so each is likely to offer you a different rate quote. This is why comparison shopping can save you money.

South Carolina Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): not required
  • Uninsured motorist coverage: not required
  • Minimum liability limits: 25/50/25: Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $25,000 coverage for property damage

South Carolina imposes these minimum insurance requirements as a way to protect drivers from catastrophic financial losses in the event of an accident. Of course, these state-mandated minimums are not always high enough to provide full coverage if you are responsible for a major collision that involves serious injuries, so you may want to consider further protecting your assets by purchasing higher coverage limits with your Greer car insurance policy.

Failure to carry car insurance that meets or exceeds South Carolina’s mandatory requirements can result in a citation, and you may also be subjected to a fine or even imprisonment. Additionally, you will be required to provide proof of insurance within 30 days or you will face an indefinite suspension of your driver’s license.

Number of Uninsured Motorists in South Carolina

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured South Carolina drivers: 7.7%

While the number of uninsured drivers on South Carolina’s roadways is lower than the national average, they still make up a significant number of drivers on the roadways. If you are involved in a collision caused by an uninsured driver, that person is responsible for covering your damage and any medical treatment needed by you or your passengers. Unfortunately, it is often difficult or impossible to collect this money, even with a court order. Fortunately, if your Greer car insurance includes uninsured motorist coverage, your insurance company covers your damage right away and then pursues the at-fault driver on its own behalf. This insurance also covers damage and injuries that are caused by hit-and-run drivers.

Number of Auto Thefts in South Carolina

  • National number of thefts per 1,000 vehicles: 2.94
  • South Carolina number of thefts per 1,000 vehicles: 3.49

Auto thefts in South Carolina exceed the national average, and the risk in Greer is on par with state averages. In recent years, there were 83 auto thefts reported in this city. This equates to 3.43 thefts per 1,000 cars. According to the DMV, the most frequently stolen cars in this state are Honda Accord, Ford pickups, and Chevrolet pickups. Of course, determined thieves can steal any kind of car.

You can lower your risk of car theft by parking in well-lit areas or attended lots when possible; always locking your car when you leave it unattended; and using an anti-theft device, such as a car alarm or a Club. Also, be sure to add comprehensive, or “other than collision,” coverage to your Greer auto insurance policy so that if your car is stolen or damaged by vandals, you will have coverage. This insurance also covers damage caused by other noncollision events such as fires, floods, and falling objects.

Find the Best Greer Car Insurance Policy

When you are shopping for Greer car insurance, you will want to be sure that you are purchasing a policy from a reputable insurance company and that you are not paying more than you need to for your coverage. Comparison shopping can help you find the most affordable policy, but it can also be a time-consuming and frustrating chore when you go about it on your own.

That is why it is beneficial to enlist the help of an independent insurance agent in our network. These agents have relationships with a number of highly rated insurance companies, so they can quickly and painlessly gather a variety of Greer auto insurance quotes for policies that are customized to meet your coverage needs. 

Find an agent with an office in Greer to discover how easy comparison shopping and saving money can be.

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