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Cheap Auto Insurance Quotes in Greensboro, NC, for July 2022

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Charlie Mitchell

By: Charlie Mitchell

Edited by Jackie Cohen | Reviewed by licensed insurance agent, Janeth Lopez

Last Updated June 29, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Car Insurance in Greensboro, NC

Greensboro is a busy, exciting place. But unlike plenty of cities like it, you can actually find cheap car insurance if you look hard enough! Let’s take a look at who is offering the best rates on insurance coverage and how to find your affordable auto insurance policy.

Quick Facts

  • The average cost of car insurance in Greensboro is $124 per month or $1,488 annually.
  • Car insurance in Greensboro is $7 more than the average cost of insurance in North Carolina.
  • The cheapest car insurance provider in Greensboro on average is Direct Auto, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Direct Auto
$66
State Auto
$112
Midvale Home & Auto
$112
Kemper Preferred
$114
Progressive
$115

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Cheapest Car Insurance in Greensboro, NC

What is the cheapest car insurance in Greensboro?

Direct Auto is the cheapest car insurance option on average in Greensboro, with rates starting at $66 per month. It’s still important to compare car insurance rates, as everyone’s situation is unique.

This table shows average car insurance quotes from Insurify’s database handed out by the top Greensboro auto insurance companies. These quotes start pretty cheap and are, on the whole, impressively affordable. For a busy town like Greensboro—the third-largest in North Carolina—it’s surprisingly easy to get low-cost auto insurance.

Insurance CompanyAverage Monthly Quote
Direct Auto$66
State Auto$112
Midvale Home & Auto$112
Kemper Preferred$114
Progressive$115
National General$115
Nationwide$121
Dairyland$137
Travelers$139
Safeco$145
Liberty Mutual$187
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Best Car Insurance in Greensboro, NC

Cheap rates are all well and good—OK, they’re awesome. But how else do you assess an insurance company? To help, we built the Insurify Composite Score (ICS), which goes beyond the quote to capture financial dependability and customer service. Nationwide earns a high ICS and also pretty cheap average rates, so that’s one to watch.

Best CompaniesICSAverage Monthly Quote
Nationwide89$121
Safeco86$145
Liberty Mutual82$187
Travelers80$139
State Auto76$112
National General58$115
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
  • The Insurify Composite Score (ICS) is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

    Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

See More: Best Car Insurance Companies

Minimum Car Insurance Requirements in North Carolina

All motor vehicles operated or parked on North Carolina roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in North Carolina[1] are:

  • $30,000 per person for bodily injury
  • $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. North Carolina is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $60,000 per accident for uninsured/underinsured motorist bodily injury
  • $25,000 per accident for uninsured/underinsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In North Carolina, drivers are required to cover bodily injury and property damage with this coverage.

Greensboro Car Insurance Rates by Driver Age

In a big college town like Greensboro, young drivers and teen drivers abound. While cheap auto insurance is usually a pipe dream for drivers of their age, in North Carolina, they pay an average of just $224 per month! The older you get, the easier it is to find affordable insurance. Young Greensboro drivers may choose to forgo full coverage to save on their premiums.

Driver’s AgeAverage Monthly Cost
Teens$224
20s$164
30s$124
40s$133
50s$121
60s$101
70s$97
80+$92
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Greensboro Car Insurance Rates by Driving and Accident History

If you’re ticketed for speeding or are in a car accident, you may get flagged as high-risk by car insurance companies, and they’ll charge you more for insurance coverage than drivers with clean driving records. In Greensboro, the safest drivers enjoy the cheapest car insurance premiums. Violations usually expire from your driving history after three years.

Driver HistoryAverage Monthly Cost
Clean Record$119
Speeding Ticket$159
At-Fault Accident$174
DUI$237
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Greensboro Car Insurance Rates by Credit Tier

Another factor that influences your auto insurance rates is your credit score. As in many places, having a high credit score will help you score cheap car insurance. This is evident in the chart below, which shows average rates paid by customers with varying credit scores in Greensboro. If you don’t have good credit, you’ll likely pay a higher premium.

Credit TierAverage Monthly Cost
Excellent$105
Good$125
Average$136
Poor$211
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How to Get the Cheapest Car Insurance in Greensboro

Car insurance companies spend a lot of time and money on advertisements so that when it’s time for you to buy a policy, you’ve got their name—whether it’s Allstate, GEICO, or State Farm—in your head. But those insurance agencies don’t always have the cheapest premiums and best service. The insurance industry is diverse and competitive and varies by region.

Affordable car insurance rates don’t come to you. You have to hunt them down. Luckily, Insurify is available 24/7 as your AI-powered insurance agent, searching the whole area and presenting you with a free list of personalized insurance quotes ready for you to choose from. Car insurance comparison doesn’t have to be a slog—it can be glamorous, and with Insurify, it is.

For more detailed North Carolina city guides, check out these below

Frequently Asked Questions

  • In Greensboro, you shouldn’t have a hard time finding cheap car insurance. There are lots of auto insurance companies quoting cheap rates, whatever your credit score, driving history, or age group. The average premium in Greensboro is $124 per month.

  • Having an expensive car is pricier to insure, and a DUI, car accident, or speeding ticket on your driving record won’t help you find cheap auto insurance rates. Your credit score plays a role, too. But even with these disadvantages, with dedicated comparison shopping, you’ll find the right insurance premium, policy, and provider.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

    Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

    With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Charlie Mitchell
Charlie Mitchell
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Insurance Writer

Charlie Mitchell is a journalist, researcher, and writer specializing in personal finance subjects. He holds a degree from Middlebury College. His work can be found in Vox, Mother Jones, The New Republic, and other publications. Charlie uses his expertise in home, renters, and auto insurance subjects to help inform people to make better financial decisions. Connect with Charlie on LinkedIn.

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Sources

  1. North Carolina Department of Transportation. "State Minimum Car Insurance Requirements." Accessed May 28, 2022