120+ more*Quotes generated for Insurify users in and around High Point, North Carolina within the last 10 days. Last updated on August 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around High Point, North Carolina within the last 10 days. Last updated on August 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
Average car insurance rates in High Point, North Carolina, are $73 per month for liability insurance and $122 per month for full coverage. High Point’s rates are comparable to those in nearby Greensboro but higher than in Chapel Hill.
High Point sits about 80 miles northeast of Charlotte and is primarily in Guilford County. The city’s above-average population density compared to the state average may affect its auto insurance costs.[1]
North Carolina car insurance requirements include bodily injury coverage of $50,000 per person and $100,000 per accident, as well as $50,000 in property damage liability coverage. Policies must also include uninsured/underinsured motorist (UM/UIM) coverage. This is the required amount for all insurance policies issued or renewed in North Carolina after July 1, 2025.[2]
The cheapest liability-only insurer in High Point is Erie, with an average rate of $60 per month. That’s cheaper than High Point’s average liability insurance cost of $73 per month.
The table below highlights the cheapest rates for liability-only auto insurance in High Point.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $60 |
| Progressive | $65 |
| GEICO | $68 |
| Direct Auto | $69 |
| National General | $69 |
| Liberty Mutual | $70 |
| Safeco | $72 |
| Travelers | $75 |
| Dairyland | $80 |
| Allstate | $81 |
| State Farm | $98 |
Liability policies average $73/mo.
Average full-coverage rates in High Point are $122 per month, which is similar to the statewide monthly average of $114.
High Point drivers may want to consider full coverage due to the risk of animal-related crashes. Guilford County had the second-highest number of animal-related crashes of any county in North Carolina between 2022 and 2024, according to the North Carolina Department of Transportation (NCDOT).[3] Comprehensive insurance, not liability coverage, covers animal-related crashes.
Explore the cheapest rates for full-coverage car insurance in High Point in the table below.
Insurance Company | Average Monthly Quote |
|---|---|
| Direct Auto | $95 |
| National General | $95 |
| Progressive | $95 |
| Erie | $102 |
| Liberty Mutual | $113 |
| GEICO | $116 |
| Safeco | $123 |
| Travelers | $129 |
| Allstate | $140 |
| State Farm | $166 |
| Dairyland | $168 |
Average car insurance rates in High Point are slightly higher than the North Carolina average, although they aren’t as high as in Charlotte, which has average monthly rates of $82 for liability insurance and $135 for full coverage.
Rates in neighboring Greensboro are similar to those in High Point, with average monthly rates of $70 for liability coverage and $117 for full coverage.
High Point auto rates may be higher than the state average due to its population density and the risk of animal-related accidents.
The table below shows average monthly car insurance quotes in different North Carolina cities.
City | Average Monthly Quote |
|---|---|
| Asheville | $76 |
| Chapel Hill | $77 |
| Morrisville | $77 |
| Burlington | $81 |
| Cary | $82 |
| Mooresville | $82 |
| Rocky Mount | $84 |
| Wilmington | $84 |
| Jacksonville | $85 |
| Durham | $89 |
| Hickory | $90 |
| Raleigh | $92 |
| Greensboro | $94 |
| Goldsboro | $95 |
| Kannapolis | $95 |
| Wilson | $99 |
| Matthews | $100 |
| Concord | $101 |
| Greenville | $102 |
| Fayetteville | $104 |
| Gastonia | $105 |
| Charlotte | $109 |
One reason average auto insurance rates in High Point are elevated might be the relatively high number of car crashes compared to other North Carolina cities.
From 2021 to 2023, High Point ranked No. 22 out of 90 for crashes in North Carolina cities with populations of 10,000 or more, according to NCDOT data.
*Quotes generated for Insurify users in and around High Point, North Carolina within the last 10 days. Last updated on August 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around High Point, North Carolina within the last 10 days. Last updated on August 29, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record can affect car insurance quotes in High Point, particularly if you’ve been in car accidents, have a driving while impaired (DWI) conviction, or have any speeding tickets.
Below are the cheapest car insurance companies for High Point drivers by driving record:
Cheapest car insurance for High Point drivers with a clean driving record: Erie
Cheapest car insurance for drivers with a speeding ticket in High Point: Erie
Cheapest car insurance for High Point drivers with an at-fault accident: Erie
Cheapest car insurance for drivers with a DWI in High Point: Erie
Insurify data shows that 5.5% of High Point drivers have been in a car accident, 0.7% have had a DWI, and 4.6% have a speeding ticket. If you fall into any of these categories, insurers may consider you high risk and charge you higher auto rates.
Take a look at the average monthly quotes in High Point by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $98 |
| Speeding ticket | $128 |
| At-fault accident | $136 |
| DWI | $249 |
Heavy rain can create driving hazards in High Point, particularly during the spring and summer months, although flooding can occur year-round in the city.[4] High Point’s fiscal year 2026–27 proposed budget identified drainage improvements for flooding that occurs on Wrenn Street, Main Street, and Russell Avenue.
Uninsured driving is also a risk. During a speed-enforcement campaign, local law enforcement cited 60 uninsured motorists in Guilford County, according to NCDOT data.
High Point drivers should be prepared for heavier traffic during the High Point Market, which is the world’s largest home-furnishings trade show and brings more than 75,000 attendees to the city each spring and fall.
High Point’s average commute time is 20.7 minutes, according to U.S. census data. Traffic can build up around Interstate 74 and Eastchester Drive, where the city has previously expanded the interchange to reduce exit-ramp congestion. Drivers should expect increased traffic in the spring and fall during the High Point Market.
Save on a policy in High Point
High Point teen drivers generally pay higher car insurance costs than adult drivers, with monthly averages of $132 for liability-only coverage and $220 for full coverage.
In North Carolina, teens must follow a graduated licensing system, and they can start the process at age 15.[5]
Explore the most affordable rates for teen drivers in High Point below.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $109 |
| Progressive | $117 |
| Liberty Mutual | $122 |
| GEICO | $122 |
| Direct Auto | $134 |
| National General | $136 |
| Dairyland | $138 |
| Safeco | $146 |
| Allstate | $146 |
| Travelers | $154 |
| State Farm | $188 |
Seniors aged 65 and older make up almost 16% of High Point’s population, according to U.S. census data. Senior drivers in their 60s living in High Point pay an average of $64 per month for liability insurance and $107 per month for full coverage.
The table below shows cheap auto insurance rates for senior drivers in High Point.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $46 |
| GEICO | $54 |
| National General | $55 |
| Direct Auto | $57 |
| Progressive | $57 |
| Liberty Mutual | $58 |
| Travelers | $60 |
| Safeco | $63 |
| Dairyland | $68 |
| Allstate | $71 |
| State Farm | $78 |
Explore these answers to frequently asked questions about High Point car insurance below.
The average car insurance cost in High Point, North Carolina, is $98 per month, which breaks down to $73 for liability coverage and $122 for full coverage.
Erie offers the cheapest liability-only insurance in High Point, with an average monthly cost of $60. Direct Auto offers the cheapest full-coverage insurance, with an average monthly rate of $95.
You can find cheap High Point car insurance by comparing quotes from several insurers or increasing your deductible. You can also qualify for a bundling discount by purchasing multiple insurance products from the same insurer, such as your business insurance, homeowners insurance, and renters insurance.
The minimum liability coverage requirement in North Carolina is $50,000 per person and $100,000 per accident in bodily injury liability, $50,000 in property damage liability, and uninsured/underinsured motorist coverage.
Insurify data scientists analyzed more than 250 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.
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AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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.
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