Cheap Auto Insurance Quotes in Greensboro, NC (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

A thriving city in North Carolina, Greensboro is home to nearly 300,000 residents. The area boasts many tourist attractions as well as an international airport, yet despite what would seem like a recipe for busy streets, drivers here experience ease while on the road. In fact, a survey conducted by a popular driving app named Greensboro the best place to drive in the United States. Even with this carefree travel mindset, it’s important to make sure you have adequate car insurance before hitting the road.

Car Insurance in Greensboro, NC

The average cost of North Carolina car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Greensboro, NC to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Greensboro, NC

Here are the cheapest carriers in Greensboro for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Greensboro, NC

The Insurify Composite Score is calculated by analyzing multiple factors that indicate 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, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Greensboro. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Greensboro, NC Driving Facts

Minimum Car Insurance Requirements in NC

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 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 are as follows:

  • $30,000 per person / $60,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by North Carolina state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by North Carolina law.

  • $25,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of North Carolina is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured or underinsured motorist coverage is legally required in North Carolina to cover damages and lost wages to drivers and passengers involved in an accident with an uninsured/underinsured at-fault driver.

  • $30,000 per person / $60,000 per accident for Bodily Injury Coverage if injured by an uninsured/underinsured driver
  • $25,000 for Property Damage caused by an uninsured/underinsured driver

Greensboro Car Insurance Rates by Driver Age

'At $165, Greensboro''s prices are so inexpensive that most teens with a part-time job should be able to afford them. It should be noted that the highest price in Greensboro is less than the lowest price in many parts of the country. And the savings continue as drivers add more years of experience. Everyone over 30 beats the state average of $131. Those in their 60s get one of the lowest rates in the nation at $73 per month.'

Driver's AgeAvg. Monthly Cost
Driving HistoryAvg. Monthly Cost
No Violation$113
Speeding Ticket$159
At-Fault Accident$155
Failure to Stop for Red Light / Stop Sign$256

Greensboro Car Insurance Rates by Driving and Accident History

North Carolinians drive safe and drive smart. Defensive driving helps them avoid mishaps and qualifies them for “good driver” and “accident-free” discounts from insurance companies. But running one stop sign or red light could skyrocket the price to $256. And an at-fault accident causes a price bump of $40 per month, or $480 per year. The good news is after three years, tickets and accidents stop affecting insurance rates.

Greensboro Car Insurance Rates by Credit Tier

Like most states in the U.S., the Tar Heel state lets insurance companies rate drivers based on credit. Many Greensboro residents still wonder how Visa payments relate to operating a vehicle. But the insurance companies claim otherwise. Generally, those with the worst credit pay the most for insurance. Why do people with average credit pay less than those with good credit? Drivers with better credit can finance costlier cars and buy more coverage to protect their assets. That said, moving from poor to excellent credit saves $28 per month, or $336 per year.

Credit TieAvg. Monthly Cost

Greensboro, NC DMV Information

The greater Greensboro area offers multiple offices for drivers to take advantage of DMV services. Express offices and license plate agencies can help those who need to accomplish simple tasks, thus freeing up availability at other full-service locations. Most DMV offices in Greensboro are open until 5 p.m.

Public Transportation in Greensboro, NC

The Greensboro Transit Agency makes traversing the city easy, with a multitude of bus routes that run regularly. Fares are inexpensive and allow those without access to a vehicle to get to their destination in a timely manner. Rideshare options are also plentiful in Greensboro, with Uber and Lyft, and during nice weather, the downtown area can easily be traveled by foot.

Conclusion: How to get the best and cheapest car insurance in Greensboro, NC

If you plan on driving in the Greensboro area, get ready to enjoy an experience unlike any other on the road. While accidents do still happen here and traffic can sometimes occur, residents claim that navigating the city streets and highways is quite easy. Even so, it’s advised that you give yourself enough time to get to your destination and always familiarize yourself with local driving laws.

Individuals looking to take advantage of North Carolina’s inexpensive car insurance rates can visit Insurify today to find the best deals available. Simply answer a few questions and compare quotes from multiple companies at once, then enroll in the policy that’s right for you. Drivers will be pleased to find that even full coverage can be quite affordable after utilizing available discounts.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Greensboro stacks up for the state of North Carolina:

Honda Accord
Most Popular Car in
Greensboro, NC
suspended licenses
Cities with Most
Suspended Licenses Rank

FAQs - Greensboro, NC Car Insurance

Do I have to pay a lot for car insurance in Greensboro?

Thankfully, drivers in North Carolina tend to pay far lower than the national average for auto coverage. If you opt for minimum coverage, you might find that your monthly policy cost is as cheap as dinner out at a restaurant.

Is North Carolina a no-fault state when it comes to auto accidents?

Unlike many other areas of the country, North Carolina is not a no-fault state. This means that if a collision occurs, the person responsible for the accident will be liable for covering car repairs, medical expenses, and more. It’s very important that you enroll in adequate insurance coverage in the event of an accident.

What is non-owner insurance?

Some Greensboro residents are required to carry non-owner insurance in order to reinstate their license if they’ve had their driving privileges revoked. These policies will vary in price and feature liability protection only.