Cheap Auto Insurance Quotes in Greensboro, NC (January 2022)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Tar Heel State.

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million


Been Here Before?

Get Back to My Quotes
Last Updated: January 2022

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.

Cheapest Car Insurance in Greensboro, NC

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

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 company reviews. The following are the top rated companies that offer car insurance in Greensboro. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

North CarolinaCharlotteRaleighDurhamWinston-SalemGreensboro
Click here to learn about car insurance quotes and save on your current policy.

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.'

Driving History
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.

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.

Find local Greensboro agents

Piedmont Triad Insurance Agency 
7 Battleground Ct Ste 224, Greensboro, NC 27408
Costas Insurance Group, Inc. 
5505-C Adams Farm Lane, Greensboro, NC 27407
Farris Insurance Advisors 
100 East Lake Drive, Greensboro, NC 27401
Southeastern Agency Group, Inc. 
1501 Highwoods Blvd Ste 402, Greensboro, NC 27410-2053
Godwin Insurance Agency 
905 Battleground Ave, Greensboro, NC 27408
Arthur J Gallagher Risk Management Services, Inc. 
324 W Wendover Ave Ste 112, Greensboro, NC 27408-8438
Gladwell Insurance Agency, Inc. 
5709 Friendly Avenue, Greensboro, NC 27410-4112
McGriff Insurance Services of the Triad 
3318 W Friendly Ave Ste 400, Greensboro, NC 27410-4885
Volvo Insurance Services, LLC 
7025 Albert Pick Rd. Ste 105, Greensboro, NC 27409
Marsh & McLennan Agcy Greensboro 
3625 North Elm Street, Greensboro, NC 27455

Insurify Insights: How Greensboro Drivers Measure Up

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

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Greensboro drivers measure up to their fellow North Carolina motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Greensboro

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Greensboro drivers rank 18 in the number of car accidents per driver across all cities in North Carolina.

  • Rank within state: #18
  • Percent of drivers in Greensboro with an accident: 11.57%
  • Drivers in Greensboro, NC with an accident in their driving history paid on average 36.28% more than drivers with a clean record

Speeding in Greensboro

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in North Carolina, Greensboro drivers rank 7 in the number of speeding infractions per driver.

  • Rank within state: #7
  • Percent of drivers in Greensboro with a speeding ticket: 11.95%
  • Drivers in Greensboro, NC with a speeding ticket in their driving history paid on average 27.43% more than drivers with a clean record

DUI/DWIs in Greensboro

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Greensboro drivers rank 12 in the number of DUI’s per driver across all cities in North Carolina.

  • Rank within state: #12
  • Percent of drivers in Greensboro with a DUI: 2.3%
  • Drivers in Greensboro, NC with a DUI in their driving history paid on average 41.59% more than drivers with a clean record

Rude in Greensboro

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in North Carolina, Greensboro drivers rank 8 in rude driving infractions.

  • Rank within state: #8
  • Percent of drivers in Greensboro with a reckless driving violation: 1.97%
  • Drivers in Greensboro, NC with a reckless driving violation in their driving history paid on average 46.9% more than drivers with a clean record.

Safest Drivers in Greensboro

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Greensboro drivers rank 11 in clean driving records across all cities in North Carolina.

  • Rank within state: #11
  • Percent of drivers in Greensboro with clean record: 76.7%

Failure to Yield the Right of Way in Greensboro

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Greensboro drivers rank 5 in failure to yield violations per driver across all cities in North Carolina.

  • Rank within state: #5
  • Percent of drivers in Greensboro with a failure to yield violation: 0.44%
  • Drivers in Greensboro, NC with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Greensboro

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in North Carolina, Greensboro drivers rank 5 in the number of reckless driving offenses per driver.

  • Rank within state: #5
  • Percent of drivers in Greensboro with a reckless driving offense: 0.27%

Most Popular Vehicle in Greensboro

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Greensboro is the Honda Accord.

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.

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.


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.

Full starFull starFull starFull starFull star
3688 Reviews

Insurify is rated 4.8 out of 5 based on 3688 customer reviews.
With over 30,109,648 quotes provided, we have helped thousands of customers save time and money!