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Finding the cheapest car insurance quotes in Greenville shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 $1206 for a six-month policy, which is $100 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $647, 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.
At $647 for a six
month policy, American Family offers
the cheapest
auto
insurance rates in the city.
2nd place: State Farm
State Farm offers auto
insurance rates at $718 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $855
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, RI is American Family, offering policies at just $647 for a six-month term. This is followed by State Farm, which has an average six-month premium of $718.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2363 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.
Way's key takeaways about car insurance in Greenville
The auto insurance costs in Greenville fall around $647 for six
months.
The cheapest auto insurance company in Greenville is American Family.
Teen drivers pay the highest rate in Greenville at $1303 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
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.
American Family provides
the cheapest minimum car insurance
coverage in Greenville. Their Average 6 Month Premium is $271.
Farmers is the most
expensive at $868 for the same
period.
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 $110 per month and $647
for six months.
Cheapest Full Coverage Car Insurance Quotes in Greenville,
RI
Get Your Car Insurance Quote in Greenville
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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, RI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Greenville, Rhode Island, may be increasing due to several external factors.
Rhode Island 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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Greenville,RI
If you are planning to get a car insurance policy for your teenage
dependent, American Family provides the cheapest car
insurance in the Greenville at $60
per
month. At $7815 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Greenville.
As young drivers face the highest rates in Greenville, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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,
Amica Mutual is
the cheapest car insurance provider. At $421 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 $5140 for six
months.
Save up to $971/yr on car insurance rates in Greenville.
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, RI,
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 American Family
and Quincy Mutual, offering $271
and $473,
respectively. Farmers is an expensive provider
with an average six-month premium of
$3069.
Here is a list of driving violations that can increase your car
insurance rates in Greenville RI. For example, the car
insurance in Greenville
after a DUI increases to $1314 for a six
month policy. While the rate increases by $310 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
$1425
$238
Not-at-fault accident
$1444
$245
One comp claim
$1463
$244
Two comp claims
$1482
$252
One Med/PIP claim
$1489
$249
At-fault accident - $1000-$2000
$1502
$255
At-fault accident - greater than $2000
$1502
$251
At-fault accident - less than $1000
$1502
$255
Two Med/PIP claims
$1522
$254
Failure to wear a seat belt
$1658
$282
Failure to show documents
$1683
$280
Child safety restraint
$1703
$290
Driving without lights
$1703
$283
Driving with expired registration
$1729
$294
Speeding 6 - 10 MPH over limit
$1735
$289
Driving too slowly
$1748
$298
Speeding in school zone
$1748
$291
Failure to stop at a red light
$1761
$300
Speeding 11 - 15 MPH over limit
$1768
$294
Speeding 16 - 20 MPH over limit
$1768
$301
Failure to yield
$1781
$296
Following too closely
$1781
$303
Illegal turn
$1781
$296
Wrong way/wrong lane
$1781
$303
Improper passing
$1793
$299
Speeding 21 - 25 MPH over limit
$1819
$310
Cell phone violation
$1826
$304
Texting while driving
$1826
$311
Passing school bus
$1858
$310
In 65 MPH zone
$1903
$324
Operating a vehicle without permission
$1903
$317
Open container
$2085
$354
Reckless driving
$2551
$425
Refusal to submit to a chemical test
$2590
$440
Driving with a suspended license
$2623
$437
Racing
$2642
$449
DUI
$2739
$457
Leaving scene of an accident/hit and run
$2830
$481
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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 American Family at $414 for a six-month policy.
However, it can be as
expensive as $5666 with companies
like Amica.
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 State Farm
at $271. However,
it can be as expensive as $2777
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Greenville after Speeding ticket
Car Insurance Price Trends in Greenville,
Rhode Island
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 remained steady at $322 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Greenville remained steady at $77 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Greenville by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Greenville. At $2411 for a
six-month policy, insuring
your car at 2828 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Greenville?
The car insurance in Greenville is $46 per month, which is lower than the national average.
What is the cheapest car insurance in Greenville?
The cheapest car insurance in Greenville
is $110 per month
for full coverage.
How much is car insurance in Greenville for teenagers?
Car insurance for teenagers costs $350 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 $1106 for a six-month
policy. It will cost around $203 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.
What is the best car insurance in Greenville,
RI?
The best car insurance company in Greenville
RI is
American Family, offering $647 for a
six-month policy.
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