The best car insurance in Greensboro, NC

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By

Nicole Wakelin

Nicole Wakelin

Automotive journalist

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

&Rachael Brennan

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Updated|3 min read

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A full coverage car insurance policy in Greensboro is $1,106 per year. That’s $22 more than the North Carolina state average of $1,084 per year. Rates are slightly higher than average in Greensboro because it’s a larger-than-average city for North Carolina.

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If you want to get a low rate on your car insurance, Policygenius can help you by providing quotes from multiple insurers so you can quickly and easily compare different policies.

Key takeaways

  • Erie offers the lowest average rate for a full coverage car insurance policy in Greensboro at $773 per year.

  • National General has the lowest average rate for those with bad credit at $1,024 per year.

  • North Carolina does require car insurance. You must carry a minimum of $30,000 for bodily injury or death of one person, $60,000 for bodily injury or death of two or more persons, and $25,000 for property damage liability per accident.

Cheapest car insurance companies in Greensboro, NC

How much you have to pay for car insurance depends on several factors. These include how old you are, your driving history, the type of car you drive, and your credit history. Insurance companies each have their own way of calculating rates, so you can get different quotes from various companies for the same coverage. Even your ZIP code can impact your insurance rate. This table shows the five cheapest car insurance companies in Greensboro along with their J.D. Power scores if available.

Company

Average cost

JD Power Rating

Erie

$773

893

Farm Bureau

$843

--

GEICO

$917

874

Utica National

$919

--

State Farm

$922

882

Cheapest car insurance rates by ZIP code in Greensboro, NC

Your street address can cause your insurance rate to go up or maybe even down. Insurance companies take a look at your ZIP code to calculate the risks of owning a car where you live. They consider access to secure parking versus only on-street parking, high or low rates of theft and vandalism, and the number of accidents and traffic tickets issued in your neighborhood. The following table shows the car insurance rates for ZIP codes in Greensboro.

ZIP code

Average cost

27410

$964

27455

$967

27408

$970

27409

$972

27407

$1,176

27406

$1,177

27405

$1,181

27495

$1,185

27401

$1,185

27403

$1,186

Choosing the right car insurance company in Greensboro, NC

Finding the right car insurance company might seem like a daunting task, but it comes down to only a few key considerations.

  • Your rates: Getting quotes from multiple companies is the best way to see which has the best rate for you.

  • Coverage amounts: You need to meet the state-required minimums but purchasing more than that is up to you.

  • Customer service: You should be happy with the service of the representative helping you buy a policy since that’s the same service you’ll get if you need to file a claim.

Policygenius makes comparing car insurance companies easy by giving you quotes from multiple insurers to easily evaluate at once.

Car insurance rates for drivers with driving violations in Greensboro, NC

Even a single driving violation will have a negative impact on your car insurance rates. Speeding tickets increase your rates, and accidents have an even bigger impact. The more violations on your driving record, the more money you will pay for your car insurance.

Violation

Erie

Farm Bureau

GEICO

Utica National

State Farm

At-fault accident

$877

$1,448

$2,255

$1,764

$1,673

DUI

$3,648

$3,634

$5,475

$5,149

$4,274

Suspended license

$2,508

$2,500

$3,365

$3,449

$2,613

Open container

$1,203

$1,206

$1,533

$1,317

$1,373

Expired registration

$1,203

$1,206

$1,533

$1,317

$1,252

Driving without lights

$795

$1,206

$1,533

$1,317

$1,252

Running a red light

$1,203

$1,206

$1,533

$1,317

$1,373

Following too closely

$1,326

$1,327

$1,668

$1,492

$1,523

Hit and run

$3,648

$5,593

$5,475

$5,149

$4,274

Not-at-fault accident

$795

$881

$940

$1,060

$979

Passing a school bus

$1,611

$1,610

$2,077

$2,102

$1,773

Reckless driving

$1,611

$1,610

$2,432

$2,102

$1,773

Speeding

$1,326

$1,327

$1,668

$1,164

$1,523

Cheapest car insurance for drivers with bad credit in Greensboro, NC

Your credit history also plays a big part in your rates when it comes to car insurance. If you have a lower credit score, then your rates will be higher.

Company

Rates for drivers with bad credit

National General Insurance

$1,024

Erie

$1,161

MetLife

$1,209

Progressive

$1,209

Penn National

$1,212

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Buying car insurance in Greensboro, NC

You are required to have car insurance in North Carolina with minimum coverage amounts of:

  • Property damage liability per accident: $25,000

  • Bodily injury or death of one person: $30,000

  • Bodily injury or death of two or more persons: $60,000

You must be able to provide proof of insurance for your vehicle if requested by law enforcement. Insurance companies are also required to notify the North Carolina Division of Motor Vehicles if your coverage is canceled or lapses. Owners have 10 days after notice from the NCDMV to provide proof of insurance or they risk revocation of their license, fees, and civil penalties.

How to get cheap car insurance in Greensboro, NC

  • Drive safely: Keep traffic violations to a minimum if you want to get a better insurance rate.

  • Watch your credit score: A history of good credit will result in lower car insurance rates.

  • Compare rates: Get multiple quotes from different car insurance companies before you buy a policy.

  • Find discounts: Ask about discounts for members of the military, low-mileage drivers, safe drivers, good students, and members of professional organizations, including firefighters, teachers, and those in law enforcement.

  • Bundle multiple policies: If you have renters, homeowners, or other property insurance, using the same company for your car insurance policy could lower all your rates.

Frequently asked questions

Who has the cheapest car insurance rates in Greensboro?

GEICO has the cheapest car insurance rates in Greensboro, North Carolina. On average, rates from GEICO are $773 per year. Farm Bureau also has cheap car insurance in Greensboro.

How can I save money on my car insurance in Greensboro?

You’ll save money on your car insurance by avoiding driving violations and accidents and maintaining good credit.

Is North Carolina a no-fault state?

No, North Carolina is an at-fault state. The insurance of the driver who is at-fault for an accident will pay everyone’s related expenses.

Does North Carolina require car insurance?

North Carolina requires car insurance with a minimum of $30,000 for bodily injury or death of one person, $60,000 for bodily injury or death of two or more persons, and $25,000 for property damage liability per accident.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: $50,000 per person/$100,000 per accident

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Authors

Automotive journalist

Nicole Wakelin

Automotive journalist

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

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Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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