Cheapest Auto Insurance in Greensboro, North Carolina (2026)
Nationwide offers the cheapest car insurance in Greensboro, with minimum-coverage policies as low as $66 per month.
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Written byLindsay VanSomeren
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Lindsay VanSomerenInsurance and Personal Finance Writer
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
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Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
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As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
Greensboro drivers pay an overall average of $87 per month for car insurance. This is similar to the statewide average of $78 per month and much lower than the nationwide average of $136 per month. Greensboro doesn’t experience severe weather as much as coastal North Carolina cities, which could partly explain its lower rates.
Here’s what you need to know about comparing quotes and finding affordable car insurance in Greensboro.
Quick Facts
The North Carolina Rate Bureau helps keep car insurance prices more affordable compared to other states.[1]
Nationwide, Erie, and Direct Auto have the cheapest car insurance in Greensboro.
Liability insurance in Greensboro costs $73 per month, and full coverage costs $101 per month, on average.
3 of the cheapest car insurance companies in Greensboro
Car insurance is very affordable across the board in Greensboro compared to the rest of the country. Even so, a few companies emerged as offering especially cheap car insurance, according to Insurify data.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Direct Auto | 8.3 | $85 | $66 | High-risk drivers |
| Erie | 8.4 | $93 | $61 | Young drivers |
| Nationwide | 9.0 | $93 | $61 | Full coverage |
Disclaimer: Table data sourced from real-time Greensboro car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Greensboro may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for high-risk drivers: Direct Auto
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $71/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $93/mo |
How drivers feel about Direct Auto
Drivers appreciate the insurer’s helpful customer service and easy-to-use website. But they dislike the frequent and significant rate increases, especially for those with clean driving records. Some also report difficulties with roadside assistance.
AI-generated from the text of verified reviews collected by Insurify
Best in Greensboro for
High-risk drivers
Ample discounts
24/7 claims support
How drivers feel about Direct Auto
Drivers appreciate the insurer’s helpful customer service and easy-to-use website. But they dislike the frequent and significant rate increases, especially for those with clean driving records. Some also report difficulties with roadside assistance.
AI-generated from the text of verified reviews collected by Insurify
Best in Greensboro for
High-risk drivers
Ample discounts
24/7 claims support
Showing 13 North Carolina reviews for Greensboro drivers - See all 451 Direct Auto reviews
Tiffany
Verified Review
Failure to explain insurance rates
Reviewed in North Carolina on February 22, 2026
I don’t know any other way to explain it, but they didn’t explain anything found on my record, so they raised my rates. Another insurance company reached out, sat down, and explained to me what they saw. The information is absolutely inaccurate, and I have to find an attorney to deal with it.
Christopher
Verified Purchase
Very professional helpful customer service
Reviewed in North Carolina on February 9, 2026
Excellent
Sondra
Verified Purchase
Efficient
Reviewed in North Carolina on January 9, 2026
Reps are always attentive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Direct Auto specializes in high-risk drivers, offering coverage to motorists even if they have a spotty driving record. Plus, it advertises low down payments, flexible payment schedules, and the ability to pay with cash at a Direct Auto location, so drivers without credit cards or checking accounts can still pay their premiums.
Pros
25% active military discount
Offers SR-22 certification for drivers with previous infractions
Cons
High complaint volume with the National Association of Insurance Commissioners (NAIC)
Relatively few coverage options compared to competitors
Best insurer for young drivers: Erie
| User Reviews | 4.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $66/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $100/mo |
4.4
Best choice in Greensboro, NCBased on 481 verified driver reviews and ratings
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
AI-generated from the text of verified reviews collected by Insurify
Best in Greensboro for
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
AI-generated from the text of verified reviews collected by Insurify
Best in Greensboro for
High customer satisfaction
Competitive rates
Optional coverages
Showing 8 North Carolina reviews for Greensboro drivers - See all 223 Erie Insurance reviews
Lauren
Verified Review
Excellent company and people there.
Reviewed in North Carolina on February 21, 2026
Excellent company until they canceled my policy following a three-car accident for which I was not at fault and received no citations.
Ethelbert
Verified Review
Current company has been great; however, rate increases have forced me to sign with new company.
Reviewed in North Carolina on January 30, 2026
My current insurance, which cancels for a new company policy tomorrow, has been great in terms of the people, customer service, and thoughtfulness.
Steve
Verified Review
Erie Insurance
Reviewed in North Carolina on January 29, 2026
Never had any problems. Premiums are high.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
700NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.68A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Erie is touted as one of the best car insurance companies for customer service, as it consistently earns above-average J.D. Power customer satisfaction ratings. Its special rate lock product can help keep insurance costs low over time.
Pros
Second-best J.D. Power rating for customer satisfaction[2]
Can lock in rate against future price increases
Cons
Poor digital experience rating from J.D. Power
Only available in a dozen states and Washington, D.C.
Best insurer for full coverage: Nationwide
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9 /10 |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $99/mo |
4.3
Best choice in Greensboro, NCBased on 938 verified driver reviews and ratings
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Greensboro for
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Greensboro for
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
Showing 3 North Carolina reviews for Greensboro drivers - See all 510 Nationwide reviews
Walter Mike
Verified Review
Fed up with high rates just because they can
Reviewed in North Carolina on February 24, 2026
I thought it was good until they started raising my rates for no good reason other than what they said: everyone is getting a rate increase. Which didn’t sit well. I’m a senior citizen with a perfect driving record; all other things they check are really good, and I've been with this same company and agent for over 20 years. Undoubtedly, that doesn’t mean much. So much for loyalty and being a long-time customer. So I’m doing something different.
Stephen
Verified Review
Cost is too high
Reviewed in North Carolina on May 11, 2025
Too expensive for someone who was a customer for 20 years and never filed a claim.
George
Verified Review
A Money Pit
Reviewed in North Carolina on March 13, 2025
Way too expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
641NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Nationwide is the 10th-largest insurer in the country and one of the most-recognized insurance brands. Drivers can add cost-saving products, like vanishing deductible, physical damage deductible waiver, and accident forgiveness, to their Nationwide policies for ultimate protection.
Pros
Vanishing deductible option
Low volume of complaints with the NAIC
Cons
Rideshare coverage not available
Poor J.D. Power rating for claims satisfaction[2]
How to get the cheapest car insurance in Greensboro
“The best way to ensure customers get the right amount of coverage for the lowest price is to have a discussion [with an insurance agent] regarding their risk profile,” says Carla Bluitt, agency owner of the Bluitt & Associates Agency in Greensboro. This includes things like the type of car you’re driving, how many drivers there are, what their driving histories look like, and more.
Here are some tips to help Greensboro drivers save on car insurance:
Ask about discounts. Look for insurers that offer a wide range of discount options, especially ones that might be relevant for you.
Increase your deductible. Choose the plan with the highest comprehensive and collision deductibles you can afford to pay out of pocket, since this typically comes with lower premiums.
Review your policy. Consider whether you need to carry full coverage on older cars, especially if you’d be able to pay out of pocket to replace them after a total loss.
Shop for quotes. Get quotes from multiple companies with the same coverage levels to find the best rates for your needs.
Find Cheap Car Insurance in Greensboro
Liability rates start at $66 per month
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Cheapest liability-only car insurance in Greensboro: Nationwide
North Carolina requires all drivers to purchase a minimum level of liability insurance coverage for each car. It’s important to note that minimum liability coverage only provides payouts to other people if you injure someone else or damage their property. It doesn’t do anything to protect you or your car. But because it’s such a bare-bones auto insurance policy type, it’s generally cheaper than policies with additional coverages.
Liability insurance in Greensboro costs an average of $73 per month. Here are the cheapest insurers in Greensboro for liability-only insurance.
The below rates in Greensboro, NC, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| Nationwide | $66 |
| Erie | $66 |
| Direct Auto | $71 |
| Liberty Mutual | $71 |
| National General | $71 |
| Progressive | $73 |
| Safeco | $75 |
| GEICO | $75 |
| Dairyland | $80 |
| Travelers | $84 |
| Allstate | $90 |
| State Farm | $109 |
Disclaimer: Table data sourced from real-time Greensboro car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Greensboro may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Greensboro: Progressive
“Full coverage” isn’t an exact term, but it generally means purchasing optional comprehensive and collision coverages, which pay for damages to your car, regardless of fault. If you’re paying off a car loan or lease, most lenders require you to purchase a full-coverage policy, but it’s your choice whether to keep the coverage or drop it once you pay off your loan.
Greensboro drivers pay a monthly average of $101 for full coverage.
If you’re interested in full-coverage car insurance, check out the insurers with the lowest rates for this type of policy in Greensboro.
The below rates in Greensboro, NC, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $88 |
| Direct Auto | $93 |
| Nationwide | $99 |
| Erie | $100 |
| National General | $102 |
| GEICO | $114 |
| Liberty Mutual | $126 |
| Travelers | $126 |
| Safeco | $131 |
| Allstate | $136 |
| State Farm | $164 |
| Dairyland | $178 |
Disclaimer: Table data sourced from real-time Greensboro car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Greensboro may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Greensboro, North Carolina
Recent Greensboro, North Carolina car insurance prices for GMC, Honda, Subaru , and more.
*Quotes generated for Insurify users in and around Greensboro, North Carolina within the last 10 days. Last updated on February 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 26, 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 February 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 26, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in North Carolina
North Carolina is a tort liability state — also called an at-fault state — meaning you have the right to sue other drivers who injure you or damage your property if they cause a collision, and vice versa.[3] North Carolina requires drivers to carry a minimum amount of liability insurance to pay for damages and injuries they cause.
The specific coverage limits required in the state increase on July 1, 2025. The table below reflects the change in requirements:[4]
Coverage | Current Coverage Limits | Coverage Limits as of July 1, 2025 |
|---|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident | $50,000 per person / $100,000 per accident |
| Property damage liability | $25,000 per accident | $50,000 per accident |
A minimum liability-only policy offers the lowest rate in most cases, but it won’t give you a full range of protection. Here are some other common types of car insurance coverage that you might consider adding, depending on your situation:
Collision coverage
Collision insurance pays for damage to your car if you hit another vehicle or an object, like a mailbox or pole.
Comprehensive coverage
Comprehensive insurance pays for damage to your car from non-accident sources, such as falling tree limbs, riots, or even animal-car collisions.
Underinsured/uninsured motorist coverage
Uninsured/underinsured motorist coverage pays for damage to your car and medical bills if you’re a victim of a hit-and-run driver or if the driver doesn’t have enough insurance.
Medical payments/personal injury protection (PIP) coverage
Medical payments coverage pays for medical bills (and other expenses, in PIP’s case) for you and your passengers if you’re involved in a collision.
)
How Much Car Insurance Do You Need?
Cheapest car insurance for drivers with an incident
Car insurance companies generally check your driving record, available on file with the North Carolina Division of Motor Vehicles, when you apply for a policy. If the insurer finds an incident on your report — such as a speeding ticket, DUI, or at-fault accident — it may charge you more for a policy or even decline you coverage altogether.[5]
Here are the cheapest Greensboro car insurance companies for each incident, based on Insurify data, to help you find the best coverage.
Shop for Car Insurance in Greensboro, NC
Monthly rates start at $66 for liability coverage
Excellent
4.7 out of 5 based on 12,168 reviews
Secure. Free. Easy-to-use.
Cheapest car insurance for drivers with a speeding ticket
Speeding was a factor in about one out of every three car-accident-related deaths in 2021, according to the National Highway Traffic Safety Administration.[6] Because speeding can be fatal, insurers charge higher rates for people with a demonstrated history of speeding.
But you may not see a high increase in your rates after a speeding ticket in Greensboro compared to other infractions. Greensboro drivers with a speeding ticket pay $98 per month for liability coverage and $136 for full coverage, on average.
The table below shows the cheapest car insurance companies after a speeding ticket in the city.
The below rates in Greensboro, NC, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Nationwide | $66 | $89 |
| Erie | $66 | $90 |
| Direct Auto | $71 | $92 |
| Liberty Mutual | $71 | $94 |
| National General | $71 | $92 |
| Progressive | $73 | $98 |
| Safeco | $75 | $102 |
| GEICO | $75 | $101 |
| Dairyland | $80 | $103 |
| Travelers | $84 | $113 |
| Allstate | $90 | $121 |
| State Farm | $109 | $143 |
Disclaimer: Table data sourced from real-time Greensboro car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Greensboro may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
An at-fault accident on your record will likely increase your rates, unless you included accident forgiveness in your auto insurance policy.[5] After an at-fault accident, your risk for another accident increases, and insurers offset your high-risk driver status by raising your premiums.
Liability insurance costs an average of $104 per month for drivers in Greensboro with an accident. The table below shows the average rates insurers charge Greensboro drivers with an at-fault accident on their driving record.
The below rates in Greensboro, NC, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Nationwide | $66 | $92 |
| Erie | $66 | $91 |
| Direct Auto | $71 | $101 |
| Liberty Mutual | $71 | $98 |
| National General | $71 | $98 |
| Progressive | $73 | $104 |
| Safeco | $75 | $109 |
| GEICO | $75 | $101 |
| Dairyland | $80 | $110 |
| Travelers | $84 | $117 |
| Allstate | $90 | $125 |
| State Farm | $109 | $150 |
Disclaimer: Table data sourced from real-time Greensboro car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Greensboro may vary based on the policy buyer's unique driver profile.
)
Is Accident Forgiveness Insurance Worth It?
Cheapest car insurance for drivers with a DUI
Driving under the influence is one of the most serious driving offenses, and 3,848 people died in crashes involving an impaired driver between 2009 and 2018, according to 2020 Centers for Disease Control and Prevention data.[7] Because of the high risk of loss, drivers with a DUI typically experience the highest rates out of any driver profile. It can be tough in this situation to even find coverage, meaning you might have to resort to an expensive policy from a specialty high-risk insurance company.
Greensboro drivers with a DUI pay an average of $157 per month for minimum-coverage policies. That price jumps to $217 per month for full coverage.
The table below shows the cheapest car insurance companies in Greensboro for drivers with a DUI on their record.
The below rates in Greensboro, NC, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Nationwide | $66 | $119 |
| Erie | $66 | $120 |
| Direct Auto | $71 | $128 |
| Liberty Mutual | $71 | $128 |
| National General | $71 | $128 |
| Progressive | $73 | $157 |
| Safeco | $75 | $143 |
| GEICO | $75 | $135 |
| Dairyland | $80 | $145 |
| Travelers | $84 | $152 |
| Allstate | $90 | $163 |
| State Farm | $109 | $197 |
Disclaimer: Table data sourced from real-time Greensboro car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Greensboro may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors
Car insurance companies also factor your age into account, as it can affect your likelihood of getting into an accident. Rates tend to go down after age 35 as you get more experience. But by the time you reach age 70, rates may start to increase again due to decreased reaction times, eyesight, and hearing capabilities.[8]
Despite this, senior drivers in Greensboro pay low average rates for car insurance compared to young drivers. Liability insurance costs an average of $65 per month for senior drivers in Greensboro.
The table below shows the cheapest car insurance companies in the city for senior drivers.
The below rates in Greensboro, NC, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Nationwide | $52 | $77 |
| Erie | $52 | $78 |
| National General | $57 | $82 |
| Direct Auto | $58 | $77 |
| Liberty Mutual | $61 | $107 |
| GEICO | $61 | $93 |
| Progressive | $65 | $79 |
| Safeco | $67 | $117 |
| Travelers | $68 | $103 |
| Dairyland | $69 | $154 |
| Allstate | $75 | $113 |
| State Farm | $88 | $132 |
Disclaimer: Table data sourced from real-time Greensboro car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Greensboro may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens
Teenagers, on the other hand, have very sharp physical skills but very little experience driving. Teenagers are often at much higher risk of getting into an accident for this reason, and that’s why insurance companies charge younger drivers higher premiums.[9]
Teen drivers in Greensboro pay monthly averages of $137 for liability coverage and $190 for full coverage.
But teens still have plenty of options to find affordable coverage. You can stay on your parents’ insurance plan for a few years, drive a car with higher safety ratings, and look for student-centric discounts.
Here are the car insurance companies in Greensboro with the cheapest rates for teen drivers.
The below rates in Greensboro, NC, are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Erie | $123 | $187 |
| Liberty Mutual | $127 | $226 |
| Nationwide | $131 | $197 |
| Progressive | $137 | $166 |
| GEICO | $137 | $208 |
| Dairyland | $138 | $307 |
| Direct Auto | $139 | $182 |
| National General | $146 | $210 |
| Safeco | $154 | $269 |
| Travelers | $177 | $266 |
| Allstate | $181 | $274 |
| State Farm | $215 | $324 |
Disclaimer: Table data sourced from real-time Greensboro car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Greensboro may vary based on the policy buyer's unique driver profile.
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Greensboro car insurance quotes by credit tier
About 95% of car insurance companies look at your credit history when deciding how much to charge you for a policy.[10] If you have an excellent or good credit score, you’ll typically qualify for much lower rates on the same policy compared to someone with a poor credit score.
Here’s how much insurers charge Greensboro residents, on average, according to their credit tier:
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Greensboro?
“Comparatively speaking, automobile insurance in North Carolina is less expensive than the rest of the country,” says Bluitt. There can be a few reasons for this.
“North Carolina is one of the few states that has a bureau to administer property and casualty rates for automobile insurance.” This helps keep prices low since the state government needs to approve rate increases.
“Fortunately, we are not a coastal territory, so we are less prone to major weather-related factors such as hurricanes but not immune,” says Bluitt. “We think of the tornado that impacted East Greensboro in 2018, and although not common, we do see storms that do have an impact with falling trees, driving conditions, and more.”
More cities in North Carolina
Greensboro car insurance rates run about average for the state, according to Insurify data. Some of the more densely populated cities and ZIP codes in North Carolina, like Charlotte, have higher car insurance costs than Greensboro.
City | Full Coverage | Liability Only |
|---|---|---|
| Charlotte | $111 | $86 |
| Fayetteville | $108 | $81 |
| High Point | $98 | $74 |
| Raleigh | $98 | $71 |
Disclaimer: Table data is based on real-time Greensboro quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Greensboro car insurance FAQs
Have more questions about Greensboro car insurance? Check out the answers to common questions below and read Insurify’s guide on the average cost of car insurance in North Carolina.
How much is car insurance in Greensboro?
The average cost of car insurance in Greensboro is $73 per month for liability-only policies and $101 per month for full-coverage policies, according to Insurify data.
Which company has the cheapest car insurance in Greensboro?
Nationwide has the cheapest car insurance in Greensboro, with monthly liability rates as low as $66. Erie and Direct Auto also offer affordable coverage, with respective monthly liability rates of $66 and $71.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Greensboro?
The best car insurance companies in Greensboro are Erie and State Farm. These insurers have high Insurify Quality Scores, excellent J.D. Power ratings in the southeast region, and strong AM Best financial strength ratings.
What factors affect the cost of car insurance in Greensboro?
Your age, driving history, vehicle, and ZIP code affect the cost of your car insurance in Greensboro. Furthermore, the city’s accident and car theft rates, plus severe weather occurrences, can influence how much Greensboro residents pay for car insurance.[9]
How much car insurance do you need in North Carolina?
North Carolina requires drivers to carry 30/60/25 minimum liability insurance limits. This translates to $30,000 per person and $60,000 per accident for bodily injury liability, plus $25,000 per accident for property damage liability. On July 1, 2025, North Carolina coverage limits will increase to $50,000 per person and $100,000 per accident in bodily injury liability coverage and $50,000 per accident in property damage liability coverage.[4]
Methodology
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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- North Carolina Rate Bureau. "Private Passenger Automobile FAQs."
- J.D. Power. "2023 U.S. Auto Insurance Study."
- Nolo. "North Carolina Auto Accident Laws."
- North Carolina Department of Transportation. "Insurance Requirements."
- III. "Do auto insurance premiums go up after a claim?."
- NHTSA. "Speeding and Aggressive Driving Prevention."
- Centers for Disease Control and Prevention. "Sobering Facts: Alcohol-Impaired Driving - North Carolina."
- III. "Senior driving safety and insurance tips."
- III. "What determines the price of an auto insurance policy?."
- NAIC. "Credit-Based Insurance Scores."
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Lindsay VanSomerenInsurance and Personal Finance Writer
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.