Auto Insurance

From initial research to ongoing updates to navigating claims, we are here to help you get the right auto insurance at the right price.

 🚗 PERSONAL VEHICLE COVERAGE · GREENVILLE, SC

Auto Insurance in Greenville, SC — Coverage You Can Count On

As an independent agency we shop dozens of top-rated carriers to find the right car insurance at the right price — protecting every Upstate SC driver from the unexpected.

25K
SC MIN. LIABILITY

24/7
CLAIMS SUPPORT

40+
TOP CARRIERS

100%
INDEPENDENT

Protect What Keeps You Moving

Your vehicle is one of your most important assets — it gets you to work, school, family events, and everywhere in between. At Priority Insurance LLC, we understand that finding the right auto insurance in Greenville, SC can feel overwhelming. That's why our independent agents do the heavy lifting for you, comparing rates and coverage options from dozens of top-rated carriers to find the policy that fits your life and your budget.


Whether you're a first-time driver in Simpsonville, a family in Mauldin with multiple vehicles, or a daily commuter on I-85 through Greenville, we have the experience and the carrier relationships to get you properly protected. Unlike captive agents who can only sell one company's products, we work for YOU — shopping the market to find your best option every time.

What Does Auto Insurance Cover?

Understanding what's in your auto insurance policy is the first step to making sure you're fully protected. Here's a breakdown of the key coverage types we offer:

Liability Coverage

South Carolina law requires all drivers to carry liability insurance. This coverage pays for bodily injury and property damage you cause to other people in an accident. If you're at fault, your liability coverage pays the other driver's medical bills, lost wages, and property repairs — protecting your financial future from lawsuits and out-of-pocket costs.

Collision Coverage

Pays to repair or replace your vehicle after an accident with another vehicle or a stationary object — regardless of fault. If you're financing or leasing your vehicle, your lender will almost certainly require this coverage. Even if you own your car outright, collision is a wise investment for any vehicle with significant market value.

Comprehensive Coverage

Protects your vehicle from damage that isn't caused by a collision. In Upstate South Carolina, that includes deer strikes, hailstorms, flooding, fire, theft, and vandalism. South Carolina consistently ranks among the highest states for deer-vehicle accidents — comprehensive coverage is a smart choice for every Greenville area driver.

Uninsured & Underinsured Motorist (UM/UIM)

South Carolina has a significant number of uninsured drivers. If you're hit by someone with no insurance — or not enough — UM/UIM steps in to protect you. It can pay for your medical bills, vehicle repairs, lost wages, and pain and suffering when the at-fault driver can't.

Medical Payments Coverage (MedPay)

Covers medical expenses for you and your passengers after a car accident, regardless of fault. Designed to kick in quickly — covering ER visits, hospital stays, surgeries, and follow-up care without waiting for fault to be determined. Especially valuable for households without strong health insurance.

Personal Injury Protection (PIP)

PIP goes further than MedPay by also covering lost wages and other costs related to an accident injury. Not all carriers offer PIP in South Carolina, but it's worth discussing with your agent whether it makes sense for your household.

Rental Reimbursement

If your car is in the shop after a covered claim, rental reimbursement pays for a rental vehicle so your life doesn't stop. Given how long modern repairs can take, this affordable add-on is one of the most appreciated coverages our clients carry.

Roadside Assistance

Flat tire on I-85 at rush hour? Dead battery in a parking deck downtown? Roadside assistance coverage gets help to you fast, 24/7. Learn more about our Roadside Assistance Insurance →

Gap Insurance

Covers the difference between what your car is worth and what you still owe on your loan or lease if it's totaled. New vehicles depreciate quickly — gap coverage ensures you're not left making payments on a car you can no longer drive.

South Carolina Auto Insurance Requirements

Required Minimums Under S.C. Code 56-10-20

  • $25,000 per person for bodily injury liability
  • $50,000 per accident for bodily injury liability
  • $25,000 per accident for property damage liability

Important: While meeting state minimums keeps you legally compliant, these limits are quite low by today's standards. A single serious accident can result in medical bills and property damage far exceeding $100,000. Our agents will help you understand what coverage levels make genuine financial sense for your situation — not just what is legally required.

⚠ Driving Without Insurance in SC Can Result In:

Fines up to $200 plus surcharges · Up to 30 days in jail · Possible suspension of your driver's license and vehicle registration · SR-22 filing requirements · A $200 reinstatement fee

Factors That Affect Your Auto Insurance Rate

Insurance premiums are calculated based on risk. The factors that most commonly influence your auto insurance rate in South Carolina include:

Driving

history

— Tickets, at-fault accidents, and DUI convictions significantly raise rates. A clean record is your best tool for keeping premiums low.

Vehicle make and model

— Newer, more expensive, and higher-performance vehicles cost more to insure. Safety ratings and theft rates also play a role.

Age and experience

— Teen and young adult drivers pay higher rates due to statistical accident risk. Mature drivers with long clean records typically enjoy lower premiums.

Coverage levels and deductibles

— Higher coverage limits cost more; higher deductibles reduce your premium.

Credit

score

— South Carolina allows insurers to consider credit-based insurance scores. Improving your credit can lower your rate.

Annual

mileage

— The more you drive, the more exposure you have. Low-mileage drivers may qualify for discounts.

Location /

ZIP code

— Rates in densely populated areas of Greenville differ from rural parts of Pickens or Laurens counties.

Prior insurance

history

— Lapses in coverage are penalized. Continuous coverage history helps keep rates competitive.

Driving history

— Tickets, at-fault accidents, and DUI convictions significantly raise rates. A clean record is your best tool for keeping premiums low.

Vehicle make and model

— Newer, more expensive, and higher-performance vehicles cost more to insure. Safety ratings and theft rates also play a role.

Age and experience

— Teen and young adult drivers pay higher rates due to statistical accident risk. Mature drivers with long clean records typically enjoy lower premiums.

Coverage levels and deductibles

— Higher coverage limits cost more; higher deductibles reduce your premium.

Credit score

— South Carolina allows insurers to consider credit-based insurance scores. Improving your credit can lower your rate.

Annual mileage

— The more you drive, the more exposure you have. Low-mileage drivers may qualify for discounts.

Location / ZIP code

— Rates in densely populated areas of Greenville differ from rural parts of Pickens or Laurens counties.

Prior insurance history

— Lapses in coverage are penalized. Continuous coverage history helps keep rates competitive.

Auto Insurance Discounts Available in South Carolina

Our carrier partners offer a wide range of discounts that can meaningfully lower your premium. Ask your Priority Insurance agent which ones you qualify for during your quote consultation.

Multi-policy

(bundling) discount

— Combine your auto insurance with home insurance or renters insurance and save up to 25% or more.

Multi-vehicle

discount

— Insuring two or more vehicles on the same policy.

Safe driver

discount

— No at-fault accidents or moving violations in the past 3–5 years.

Good student

discount

— Full-time students maintaining a B average or better.

Defensive driving course discount

— Completion of an approved safety course.

Anti-theft device discount

— Vehicles equipped with factory or aftermarket security systems.

New vehicle

discount

— Some carriers discount newer model year vehicles.

Pay-in-full

discount

— Paying your premium annually instead of monthly.

Paperless billing discount

— Opting into electronic statements and billing.

Telematics / usage-based discount

— Programs that monitor driving habits and reward safe behavior with lower rates.

Multi-policy (bundling) discount

— Combine your auto insurance with home insurance or renters insurance and save up to 25% or more.

Multi-vehicle discount

— Insuring two or more vehicles on the same policy.

Safe driver discount

— No at-fault accidents or moving violations in the past 3–5 years.

Good student discount

— Full-time students maintaining a B average or better.

Defensive driving course discount

— Completion of an approved safety course.

Anti-theft device discount

— Vehicles equipped with factory or aftermarket security systems.

New vehicle discount

— Some carriers discount newer model year vehicles.

Pay-in-full discount

— Paying your premium annually instead of monthly.

Paperless billing discount

— Opting into electronic statements and billing.

Telematics / usage-based discount

— Programs that monitor driving habits and reward safe behavior with lower rates.

Why Choose an Independent Insurance Agent in Greenville?

Not all insurance agents are the same. There are two types: captive agents (who work exclusively for one company like State Farm, Allstate, or Nationwide) and independent agents (like Priority Insurance LLC). Here's why an independent agent is the smarter choice:

We Shop the Market for You

Rather than being limited to one company's products, we compare rates and coverage from dozens of carriers simultaneously. That means you get competitive pricing and the right fit — not just the best deal one company can offer.

We're On Your Side

Our loyalty is to our clients, not to an insurance company. When you have a claim or a question, we're your advocate — every step of the way.

We Know the Upstate SC Market

We've been serving drivers in Greenville, Spartanburg, Anderson, and the surrounding communities. We understand local driving conditions, regional risks, and the carriers that perform best in this market.

We Save You Time

Instead of getting separate quotes from five different companies, one conversation with Priority Insurance covers your options across the board. We do the comparison work so you don't have to.

We Grow With You

As your life changes — new car, new home, new family member — we're here to update your coverage and make sure you're never over- or under-insured.



Auto Insurance for Special Situations

Teen Drivers

Adding a teen driver to your policy is a significant premium increase — but there are smart strategies to manage the cost. Good student discounts, driver training credits, and vehicle selection all play a role. Our agents can help you structure your policy to protect your teen while keeping costs manageable.

New to South Carolina?

If you're moving to Greenville from another state, you'll need to update your registration and insurance within 45 days of establishing residency. We can help you make the transition smoothly and make sure your coverage meets SC requirements. Contact us to get started →

High-Risk Drivers / SR-22 Filings

If your license has been suspended due to a DUI, excessive violations, or driving uninsured, you may be required to file an SR-22 certificate with the SCDMV. Priority Insurance LLC can help you find affordable coverage and handle the SR-22 filing process. Contact us today →

Classic or Collector Vehicles

If you own a vintage or collector car, a standard auto policy may not provide adequate protection. Classic car insurance uses agreed value coverage designed specifically for vehicles that appreciate rather than depreciate.

Rideshare Drivers

If you drive for Uber, Lyft, or another rideshare platform, your personal auto policy likely has gaps in coverage during certain periods of the app being active. Ask us about rideshare endorsements that close those gaps and keep you fully protected during every phase of a trip.



Serving Auto Insurance Customers Across Upstate South Carolina

Priority Insurance LLC proudly serves drivers throughout the greater Greenville area and all of Upstate South Carolina:

Get a Free Auto Insurance Quote Today

Getting started is easy. Call us at (864) 297-9744, visit our office in Greenville, or request your auto insurance quote online. Our agents are ready to compare options, explain your choices, and help you find the right coverage at the right price.


You can also explore our other vehicle coverage options:

Frequently Asked Questions

  • How much does auto insurance cost in South Carolina?

    The average cost varies based on driving record, vehicle type, coverage levels, credit, and location. In Greenville, drivers often pay between $100–$200/month for full coverage. Priority Insurance LLC shops multiple carriers to find the most competitive rate for your specific profile. Get your personalized quote →

  • Is auto insurance required in South Carolina?

    Yes. South Carolina law requires all registered vehicles to maintain minimum liability insurance of $25,000/$50,000/$25,000 at all times. Driving without insurance can result in fines, up to 30 days in jail, license suspension, and SR-22 filing requirements with a $200 reinstatement fee.

  • What is the difference between full coverage and liability-only insurance?

    Liability-only covers damages you cause to others. Full coverage adds collision and comprehensive, protecting your own vehicle as well. If your car is financed or leased, full coverage is almost always required by your lender.

  • Can I get auto insurance with a bad driving record?

    Yes. Priority Insurance LLC works with carriers that specialize in non-standard and high-risk auto insurance. We'll find the best available option regardless of your record. Contact us for options →

  • What should I do immediately after a car accident in South Carolina?

    Stay at the scene, ensure everyone's safety, call 911 if there are injuries, exchange information, document the scene with photos, and report the accident to your insurance carrier. You can also report a claim through Priority Insurance LLC and we'll guide you through the process.

  • How do I update my auto insurance if I buy a new car?

    Contact Priority Insurance LLC as soon as possible. Most policies extend coverage to a new vehicle for a short grace period, but you should notify us promptly. Update your policy online → or call (864) 297-9744.

  • Can I bundle my auto insurance with other policies to save money?

    Absolutely. Bundling your auto policy with home insurance or renters insurance through the same carrier can save you 15–25% or more. Ask your Priority Insurance agent about available multi-policy discounts.