Cheapest Car Insurance Quotes in Greenville

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Greenville Car Insurance

^$ 30

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Greenville

The car insurance rate in Greenville is $1187 for a six-month policy, which is $23 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $509, making it a popular choice for budget-conscious drivers. Rates in Greenville can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Greenville

$1187

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Greenville

1st place: American Family

At $509 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $684 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $703 for six months, making it the third cheapest auto insurance company in Greenville.

Greenville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Greenville, MO is American Family, offering policies at just $509 for a six-month term. This is followed by USAA, which has an average six-month premium of $684.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2902 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Greenville drivers find the best deals.

Cheap Car Insurance Companies in Greenville, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$509	$87
USAA	$684	$115
Travelers	$703	$118
Encompass	$958	$159
Shelter	$987	$166
State Farm	$1078	$182
Electric	$1115	$190
Farm Bureau	$1145	$191
Missouri Farm Bureau	$1218	$207
Progressive	$1261	$212
Allstate	$1352	$227
Nationwide	$1527	$254
Farmers	$2902	$494

Key Takeaways

Way's key takeaways about car insurance in Greenville

The auto insurance costs in Greenville fall around $509 for six months.
The cheapest auto insurance company in Greenville is USAA.
Teen drivers pay the highest rate in Greenville at $1584 per month.

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Cheapest Minimum Liability Car Insurance in Greenville

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Greenville are given below.

USAA provides the cheapest minimum car insurance coverage in Greenville. Their Average 6 Month Premium is $175. Farmers is the most expensive at $1042 for the same period.

Cheapest Liability Coverage in Greenville, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$175	$30
Missouri Farm Bureau	$194	$33
Electric	$249	$42
Travelers	$254	$43
Farm Bureau	$260	$44
American Family	$272	$46
Encompass	$285	$48
Progressive	$291	$49
Shelter	$357	$60
State Farm	$381	$64
Nationwide	$612	$102
Allstate	$636	$107
Farmers	$1042	$173

Cheapest Full Coverage Car Insurance in Greenville

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Greenville is American Family at $87 per month and $509 for six months.

Cheapest Full Coverage Car Insurance Quotes in Greenville, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$509	$87
USAA	$684	$115
Travelers	$703	$118
Encompass	$958	$159
Shelter	$987	$166
State Farm	$1078	$182
Electric	$1115	$190
Farm Bureau	$1145	$191
Missouri Farm Bureau	$1218	$207
Progressive	$1261	$212
Allstate	$1352	$227
Nationwide	$1527	$254
Farmers	$2902	$494

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Average Car Insurance in Greenville by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Greenville, MO increasing?

Despite maintaining a clean driving record, your car insurance rates in Greenville, Missouri, may be increasing due to several external factors. Missouri has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Greenville's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Greenville

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Greenville,MO

If you are planning to get a car insurance policy for your teenage dependent, Missouri Farm Bureau provides the cheapest car insurance in the Greenville at $43 per month. At $9506 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$254	$43
American Family	$291	$49
Travelers	$1103	$186
USAA	$1115	$188
Progressive	$2127	$358
State Farm	$2193	$369
Shelter	$2448	$412
Farm Bureau	$2975	$506
Allstate	$3866	$651
Nationwide	$4659	$793
Farmers	$9506	$1584

Teen Car Insurance Rates in MO by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Greenville, Kemper is the cheapest car insurance provider. At $466 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Greenville is Farmers, offering rates of around $5902 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$466	$80
American Family	$497	$83
Nationwide	$575	$98
Travelers	$927	$156
USAA	$1072	$183
Progressive	$1352	$227
Shelter	$1551	$261
Farm Bureau	$1927	$321
Allstate	$2260	$380
State Farm	$4090	$681
Farmers	$5902	$1004

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Car Insurance Rates with An Accident in Greenville

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Greenville, MO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Greenville

The cheapest car insurance companies after an at-fault accident in Greenville include Missouri Farm Bureau and Electric, offering $212 and $303, respectively. Farmers is an expensive provider with an average six-month premium of $4138.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$212	$36
Electric	$303	$52
American Family	$334	$55
Encompass	$388	$66
USAA	$552	$93
Travelers	$624	$105
Progressive	$915	$154
State Farm	$952	$160
Shelter	$1066	$180
Farm Bureau	$1478	$251
Nationwide	$2260	$376
Allstate	$2745	$462
Farmers	$4138	$690

Greenville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Greenville MO. For example, the car insurance in Greenville after a DUI increases to $824 for a six month policy. While the rate increases by $285 for a six-month policy in the case of a speeding ticket.

Greenville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1630	$271
One Med/PIP claim	$1630	$277
Not-at-fault accident	$1678	$279
One comp claim	$1690	$288
Two Med/PIP claims	$1690	$282
Two comp claims	$1799	$306
Failure to wear a seat belt	$1848	$308
Failure to show documents	$1854	$315
Child safety restraint	$1884	$314
Driving without lights	$1884	$320
Driving with expired registration	$1896	$316
Cell phone violation	$1908	$324
Driving too slowly	$1908	$318
Following too closely	$1908	$324
Speeding in school zone	$1908	$318
Failure to yield	$1915	$325
Speeding 11 - 15 MPH over limit	$1915	$319
Speeding 16 - 20 MPH over limit	$1915	$325
Speeding 6 - 10 MPH over limit	$1915	$319
Texting while driving	$1915	$325
Illegal turn	$1921	$320
Wrong way/wrong lane	$1921	$326
Failure to stop at a red light	$1927	$321
Improper passing	$1927	$327
Speeding 21 - 25 MPH over limit	$1927	$321
In 65 MPH zone	$1939	$329
Passing school bus	$1975	$329
Open container	$2036	$346
Operating a vehicle without permission	$2084	$348
At-fault accident - less than $1000	$2254	$384
At-fault accident - $1000-$2000	$2381	$397
At-fault accident - greater than $2000	$2381	$405
Refusal to submit to a chemical test	$2411	$402
DUI	$2454	$417
Driving with a suspended license	$2508	$418
Racing	$2569	$437
Leaving scene of an accident/hit and run	$2605	$435
Reckless driving	$2636	$448

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Greenville after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Greenville.

The cheapest car insurance premiums in Greenville are offered by Missouri Farm Bureau at $254 for a six-month policy. However, it can be as expensive as $5307 with companies like Farmers.

Greenville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$254	$43
American Family	$327	$54
Kemper	$406	$69
Travelers	$655	$110
USAA	$836	$141
Progressive	$878	$148
Shelter	$1187	$200
State Farm	$1290	$217
Farm Bureau	$1393	$237
Allstate	$2248	$378
Nationwide	$2817	$479
Farmers	$5307	$884

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Greenville are offered by American Family at $327. However, it can be as expensive as $3684 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Greenville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$327	$56
Travelers	$678	$114
USAA	$703	$119
Shelter	$781	$132
State Farm	$836	$141
Progressive	$1018	$171
Farm Bureau	$1181	$201
Allstate	$2042	$341
Farmers	$3684	$626

Car Insurance Price Trends in Greenville, Missouri

Car insurance rates in Greenville have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Greenville rose by $227 in January compared to $133 of December. In other words, there has been an increase by $94 when you compare January and December.

The average cost of liability insurance in the Greenville rose to $57 in January, compared to $49 in December. This represents an increase of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Greenville?

The car insurance in Greenville is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Greenville?

The cheapest car insurance in Greenville is $87 per month for full coverage.

How much is car insurance in Greenville for teenagers?

Car insurance for teenagers costs $254 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Greenville?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $200 per month to insure your car in Greenville.

Is car insurance expensive in Greenville?

Car insurance can be expensive in Greenville if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Greenville can be affordable.

Cheapest Car Insurance Quotes in Greenville

Why you can trust Way?

How Much Is Car Insurance in Greenville

Avg. Car Insurance in Greenville

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Greenville

1st place: American Family

2nd place: USAA

3rd place: Travelers

Greenville Car Insurance Rates by Company

Cheap Car Insurance Companies in Greenville, MO

Way's key takeaways about car insurance in Greenville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Greenville

Cheapest Liability Coverage in Greenville, MO

Cheapest Full Coverage Car Insurance in Greenville

Cheapest Full Coverage Car Insurance Quotes in Greenville, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Greenville by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Greenville, MO increasing?

Car Insurance Premiums by Age in Greenville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Greenville,MO

If you are in your twenties N/A is the best choice for car insurance in Greenville.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Greenville

Cheapest Car Insurance Companies after an At-Fault Accident in Greenville

Greenville Car Insurance Rates by Violation

Greenville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Greenville after a DUI

Greenville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Greenville after Speeding ticket

Car Insurance Price Trends in Greenville, Missouri

Average Car Insurance Cost in Greenville by ZIP Code

Frequently Asked Questions

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