120+ more*Quotes generated for Insurify users in and around Greensboro, North Carolina within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Greensboro, North Carolina within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
)
)
AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Featured in
){kind=small}
){kind=small}
)
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
){kind=small}
)
)
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
Updated
On average, Greensboro drivers pay $73 per month for liability insurance and $120 for full coverage.
Charlotte, North Carolina’s largest city, has higher average auto insurance rates than Greensboro. Smaller cities in North Carolina, like Wilmington, Chapel Hill, and Cary, generally have cheaper car insurance.
Greensboro rates are higher than the North Carolina average, partly due to its population density. Greensboro is the third-largest city in the state, after Charlotte and Raleigh.
Vehicle theft rates in Greensboro may also contribute to the city’s elevated car insurance prices. In 2024, there were nearly 2,000 reported vehicle thefts in Guilford County, where Greensboro is located.
Liability rates start as low as $60 per month
Nationwide has the cheapest liability insurance in Greensboro, with an average premium of $60 per month.
For full coverage, Direct Auto offers the lowest average rate, at $92 per month.
Car insurance rates in Greensboro are slightly higher than the state average, with drivers paying an overall average of $97 per month in Greensboro, compared to $92 per month statewide.
North Carolina car insurance requirements include bodily injury liability coverage of $50,000 per person, $100,000 per accident, and $50,000 in property damage liability coverage. North Carolina drivers must also purchase uninsured/underinsured motorist coverage.[1]
Greensboro drivers may want to consider full coverage for greater protection, due to the risk of accidents involving deer and other animals. Guilford County has the second-highest rate of animal-related accidents in the state, according to Department of Transportation data.[2]
The table below shows cheap Greensboro car insurance quotes for both liability-only and full-coverage policies.
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Erie | $60 | $104 |
| Nationwide | $60 | $104 |
| Direct Auto | $70 | $92 |
| GEICO | $70 | $119 |
| Liberty Mutual | $70 | $114 |
| National General | $70 | $94 |
| Progressive | $70 | $93 |
| Safeco | $73 | $119 |
| Travelers | $77 | $133 |
| Dairyland | $80 | $164 |
| Allstate | $82 | $143 |
| State Farm | $99 | $172 |
At an average rate of $97 per month, Greensboro drivers pay more than drivers in many other North Carolina cities, due to its population density, vehicle thefts, and rate of animal-related accidents.
Rates in nearby Raleigh and Durham are comparable, averaging $94 and $92 per month, respectively.
The following table shows average car insurance quotes across several cities in North Carolina.
City | Average Monthly Quote |
|---|---|
| Asheville | $78 |
| Cary | $81 |
| Chapel Hill | $78 |
| Charlotte | $111 |
| Durham | $92 |
| Fayetteville | $105 |
| Gastonia | $104 |
| Greensboro | $97 |
| Greenville | $103 |
| High Point | $99 |
| Jacksonville | $89 |
| Raleigh | $94 |
| Wilmington | $87 |
Greensboro is the third-largest city in North Carolina by population size, with an average population density of about 2,300 people per square mile, compared to the state average of 214 per square mile.[3] This means Greensboro drivers face more congestion and overall risk than drivers in smaller North Carolina cities.
Greensboro drivers should also be mindful of weather-related risks. Greensboro has some flood risk, with several streams subject to flooding during heavy rainstorms.[4] Additionally, an estimated 11.8% of North Carolina drivers are uninsured, according to Insurance Research Council (IRC) data compiled by the Insurance Information Institute.
Recent parking changes in downtown Greensboro may affect local driving. Some of the main changes include free on-street and surface lot parking after 5 p.m. on weekdays. Drivers can also expect more consistent signage to clear up confusion around parking rules.[5]
If you’re among the 4.58% of Greensboro drivers with a speeding ticket, the 5.98% who have been in an accident, or the 0.85% with a DUI, according to Insurify data, your driving history may be affecting your auto insurance coverage rates.
It’s illegal to drive in North Carolina with a blood alcohol concentration of 0.08 or higher or while noticeably impaired. For commercial vehicles, the blood alcohol concentration limit is 0.04. Drivers must complete a substance abuse assessment and any recommended treatment to get their license back after revocation.
The table below shows the average monthly auto insurance quote for people with different driving records in Greensboro.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $97 |
| Speeding ticket | $130 |
| At-fault accident | $138 |
| DUI | $265 |
About 14% of Greensboro’s population is 65 years of age or older, according to U.S. Census Bureau data. In North Carolina, seniors aged 66 and older must renew their license every five years (compared to every eight years for younger drivers).
North Carolina teens must follow a graduated licensing system to receive full driving privileges. Teens must be at least 15 years of age and have both a driving eligibility certificate and a driver’s education certificate to qualify.[6]
The table below shows the cheapest liability rates for Greensboro drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $137 |
| 20s | $91 |
| 30s | $79 |
| 40s | $74 |
| 50s | $71 |
| 60s | $65 |
| 70+ | $64 |
*Quotes generated for Insurify users in and around Greensboro, North Carolina within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Greensboro, North Carolina within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
For more information on Greensboro car insurance coverage, see the answers to frequently asked questions below.
Greensboro drivers pay $97 per month on average for car insurance, with liability coverage averaging $73 per month and full-coverage policies averaging $120 per month.
The cheapest car insurance in Greensboro is with Nationwide and Erie, based on Insurify data. These insurers offer average liability insurance premiums of $60 and $60 per month, respectively.
GEICO and Progressive both offer some of the best rates in Greensboro, though GEICO’s average liability premium is slightly lower at $73 per month compared to Progressive’s $75 per month.
Various factors can affect your auto insurance policy rates in Greensboro, including your insurance needs, coverage choices, credit score, driving record, and age.
Greensboro drivers can save money on their car insurance policy by increasing their deductibles, dropping comprehensive coverage and collision coverage, bundling with their homeowners insurance, or seeing if they qualify for car insurance discounts.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.