Cheapest Auto Insurance in High Point, North Carolina (2026)
With monthly liability rates as low as $71, Nationwide is the cheapest car insurance company in High Point.
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Table of contents
The average cost of car insurance in High Point is only $86 per month, similar to the statewide average of $78 per month and much lower than the national monthly average of $136.
This may be due to the city’s significant distance from the ocean and its elevation — it’s one of the highest cities in North Carolina. Cities closer to the coastline face a higher risk of flooding and windstorm damage and typically have higher average car insurance rates.
Here’s what you need to know about comparing quotes and finding cheap car insurance in High Point.
Quick Facts
Nationwide, Erie, and Direct Auto have the cheapest car insurance in High Point.
Liability insurance in High Point costs an average of $74 per month, and full coverage costs $98 per month.
High Point’s auto insurance costs are among the lowest of the seven largest cities in the state.
3 of the cheapest car insurance companies in High Point
The best car insurance companies in High Point won’t be the same for every driver. Since the cost of auto insurance coverage depends on factors unique to each driver — such as age, gender, marital status, home location, and driving history — it’s not possible to say that one insurance company has the best rates for every driver.
To find the best car insurance company for your needs, comparing quotes from multiple insurers is important. That’s the best way to find the actual coverage you need at a price you can afford. Drivers in High Point may want to start their search for affordable coverage with Travelers, Erie, and GEICO. Each of these companies offers distinct benefits.
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 |
|---|---|---|---|---|
| Travelers | 8.5 | $117 | $78 | Coverage options |
| Erie | 8.4 | $93 | $61 | Customer satisfaction |
| GEICO | 9.2 | $106 | $70 | Discounts |
Disclaimer: Table data sourced from real-time High Point car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in High Point 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 coverage options: Travelers
| User Reviews | 4.7 |
|---|---|
| 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. | 8.5 /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. | $91/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. | $137/mo |
4.7
Best choice in High Point, NCBased on 1,258 verified driver reviews and ratings
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
AI-generated from the text of verified reviews collected by Insurify
Best in High Point for
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
AI-generated from the text of verified reviews collected by Insurify
Best in High Point for
Numerous discounts
Gap insurance
Rideshare coverage
Showing recent national reviews - See all 562 Travelers reviews
Glenn
Verified Review
Check Your Coverage Needs and Wants
Reviewed in Florida on March 1, 2026
Check all the coverage. Cheaper rates sometimes mean less or no coverage for some items.
Jeff
Verified Review
Travelers Home
Reviewed in Texas on February 27, 2026
I haven't had to use it, but the home coverage is great.
William
Verified Review
Disappointing experience with Travelers
Reviewed in Rhode Island on February 27, 2026
After 6 years as a customer of Travelers, I had 2 minor accidents. In the first, there was no visible damage to either vehicle. In the second accident, there was minor damage to both vehicles. I opted not to file a claim for my damage, as I realized that my premium would be increasing and I didn't want to make it worse. That was a mistake. My agent notified me that my policy was not going to be renewed.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
616NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0A.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
Travelers is the oldest auto insurance company in the U.S. and issued its first auto insurance policy in 1897. The company has a long history of offering affordable rates and robust coverage options.
Pros
Optional coverages like gap insurance, roadside assistance, and rental car coverage
Number of discounts, including multi-policy, good driver, pay-in-full, and hybrid/electric car
Cons
Below-average J.D. Power customer satisfaction rating in the Southeast region
Rideshare insurance not available
Best insurer for customer satisfaction: 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. | $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. | $109/mo |
4.4
Best choice in High Point, NCBased on 489 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 High Point 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 High Point for
High customer satisfaction
Competitive rates
Optional coverages
Showing 8 North Carolina reviews for High Point drivers - See all 227 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
After nearly 100 years, Erie still offers excellent customer service, as shown by J.D. Power’s 2023 U.S. Auto Insurance Study, which ranks the insurer among the best for customer satisfaction in the Southeast region.
Pros
Allows you to lock in your premium with Erie Rate Lock
Accident forgiveness and diminishing deductibles available
Cons
Several complaints about Erie on the Better Business Bureau website
Customers can’t buy a policy or file a claim online
Best insurer for discounts: GEICO
| User Reviews | 4.0 |
|---|---|
| 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. | 9.2 /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. | $82/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. | $124/mo |
4.0
Best choice in High Point, NCBased on 15,886 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in High Point for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in High Point for
Teen drivers
Cheap rates
Accident forgiveness
Showing 46 North Carolina reviews for High Point drivers - See all 7,401 GEICO reviews
David
Verified Review
Solid Option!
Reviewed in North Carolina on March 2, 2026
Not bad, but I wish they offered a better premium amount.
Gary
Verified Review
Expensive
Reviewed in North Carolina on March 1, 2026
Good but expensive.
Tracy
Verified Review
Looking for a Cheaper Plan
Reviewed in North Carolina on February 26, 2026
$2600 a year is too high. I've only had one accident with this car, and it was a single at-fault incident.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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
GEICO offers a variety of discounts and coverages. Each discount could save upward of 25%, according to GEICO’s website, and drivers can utilize multiple discounts, such as bundling auto and home insurance.
Pros
Wide array of discounts
Award-winning mobile app and website
Cons
Below-average J.D. Power customer satisfaction rating in the Southeast region
Few local insurance agents, meaning most clients must use the app rather than an insurance agency for questions
How to get the cheapest car insurance in High Point
Insurance companies use more than a dozen different individual rating factors during the underwriting process to calculate your premium. Some specific factors include your driving and credit record, claim history, what kind of car you drive, how many miles you drive per year, the level of coverage you choose for your policy, and even your ZIP code.
That means finding the cheapest car insurance in High Point will depend on your particular situation since no two drivers are exactly alike. But you can do several things to lower your auto insurance costs:
Maintain a clean driving record. Being a safe driver who avoids traffic citations and dangerous situations that could lead to accidents is the most effective way to keep your auto insurance costs low.
Shop around. Just as no two drivers are exactly alike, no two auto insurers use the same calculations to determine premium rates. Comparing quotes from multiple insurance companies can help ensure you find the best price.
Ask about discounts. Insurance companies commonly offer a number of different discounts to reduce costs for their customers. For example, many insurance companies offer a loyalty discount if you bundle homeowners insurance or renters insurance with your auto insurance.
Increase your deductible. You can lower your rates by increasing your deductible. Just make sure you can afford to pay the deductible amount out of pocket if you need to file a claim.
Find Car Insurance in High Point, North Carolina
Liability rates start at $71 per month
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Cheapest liability-only car insurance in High Point: Nationwide
Liability-only car insurance pays out when a driver causes an accident. The at-fault driver’s liability-only coverage will pay to repair or replace the other person’s damaged vehicle and their associated medical costs — it won’t pay for the at-fault driver’s property damage or medical care.
Since this kind of insurance doesn’t cover an at-fault driver’s property or medical needs, it’s less expensive than full-coverage car insurance. Liability insurance in High Point costs an average of $74 per month.
Drivers in High Point can reduce their insurance costs by choosing a liability-only insurance policy — just be sure you can handle out-of-pocket costs for your damages if you cause an accident.
The below rates in High Point, NC, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| Nationwide | $71 |
| Erie | $71 |
| Direct Auto | $77 |
| Liberty Mutual | $77 |
| National General | $77 |
| Progressive | $79 |
| Safeco | $82 |
| GEICO | $82 |
| Dairyland | $86 |
| Travelers | $91 |
| Allstate | $98 |
| State Farm | $118 |
Disclaimer: Table data sourced from real-time High Point car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in High Point may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in High Point: Progressive
Drivers who want more financial protection than liability-only insurance can provide them can choose a full-coverage car insurance policy. Full-coverage insurance includes liability coverage along with collision and comprehensive coverage.
Collision coverage pays to repair or replace your car if you cause an accident. Comprehensive coverage pays for damage to your vehicle from anything other than an accident, such as vandalism, theft, weather, or flood.
High Point drivers pay a monthly average of $98 for full coverage.
You may want full-coverage car insurance in High Point if you don’t have the financial reserves to pay out of pocket to repair or replace your car if you cause an accident. This may be especially true if you drive a newer car and often park it on the street. Although, full coverage is typically required if you have an auto loan or lease on your vehicle.
The below rates in High Point, NC, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $96 |
| Direct Auto | $100 |
| Nationwide | $107 |
| Erie | $109 |
| National General | $111 |
| GEICO | $124 |
| Liberty Mutual | $137 |
| Travelers | $137 |
| Safeco | $142 |
| Allstate | $147 |
| State Farm | $177 |
| Dairyland | $193 |
Disclaimer: Table data sourced from real-time High Point car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in High Point may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near High Point, North Carolina for drivers with a traffic citation
Recent High Point, North Carolina car insurance prices for Acura, Hyundai, Subaru , and more.
*Quotes generated for Insurify users in and around High Point, North Carolina within the last 10 days. Last updated on March 3, 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 March 3, 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 March 3, 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 March 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in North Carolina
The Tar Heel State follows at-fault laws when it comes to auto accidents. This means the driver who caused the accident is the one whose insurance pays out for damages. But North Carolina isn’t just an at-fault state — it’s one of only five states with a pure contributory negligence rule as part of its at-fault law.
Pure contributory negligence states that any person found even 1% at fault in causing an accident can’t sue the person who carries higher blame for the accident. If something you did or didn’t do contributed to the accident happening, even if the other person more directly caused the accident, you can’t sue.
North Carolina has an additional minimum insurance requirement on top of the minimum liability coverage listed below: uninsured/underinsured motorist coverage. Since this is required, any insurance policy you purchase in North Carolina must include this coverage to meet the minimum state requirements.[1]
The specific bodily injury and property damage coverage limits required in the state increase on July 1, 2025. The table below reflects the change in requirements:
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 |
You may also choose to purchase additional coverages on top of your liability coverage. Some common coverage options include:
Collision coverage
Collision insurance will pay to repair or replace an at-fault driver’s vehicle. This may be especially important in North Carolina since it’s an at-fault state following the pure contributory negligence rule.
Comprehensive coverage
Comprehensive insurance will pay to repair or replace your vehicle if it’s damaged because of something other than an accident. This includes theft, vandalism, wildfires, severe weather events, falling objects, and striking an animal.
Roadside assistance coverage
Roadside assistance coverage pays for towing expenses if your car breaks down and you need to tow it to a garage.
Cheapest car insurance for drivers with an incident
People with a spottier driving history may worry that it’s not possible to find cheap car insurance with an incident on their record. But whether you have a speeding ticket, at-fault accident, or even a DWI on your driving record, it’s still possible to find affordable rates for your auto insurance.
Car insurance companies regard drivers with moving violations as riskier to insure, which means such drivers often pay higher premiums. But some insurance companies offer car insurance products geared toward drivers with an incident. Here’s how to find the best rates in High Point after an incident.
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Cheapest car insurance for drivers with a speeding ticket
The link between speeding and accidents — and especially fatal accidents — can partially explain why even a single citation for speeding can lead to higher auto insurance rates.
High Point drivers with a speeding ticket pay $100 per month for liability coverage and $132 per month for full coverage, on average.
The following insurers offer the cheapest car insurance for drivers with a speeding ticket in High Point.
The below rates in High Point, NC, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Nationwide | $71 | $95 |
| Erie | $71 | $97 |
| Direct Auto | $77 | $100 |
| Liberty Mutual | $77 | $102 |
| National General | $77 | $99 |
| Progressive | $79 | $106 |
| Safeco | $82 | $112 |
| GEICO | $82 | $111 |
| Dairyland | $86 | $111 |
| Travelers | $91 | $122 |
| Allstate | $98 | $132 |
| State Farm | $118 | $155 |
Disclaimer: Table data sourced from real-time High Point car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in High Point may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
Accidents happen, but being found at fault in an accident can lead to higher car insurance rates. Depending on the severity and circumstances of the accident and your driving history, your insurer may even drop you after an at-fault accident.
Liability insurance for High Point drivers with an accident costs an average of $106 per month.
Several insurers offer cheap car insurance for drivers with an at-fault accident in High Point. If you’re struggling to find affordable coverage after an at-fault accident, consider one of these insurance companies.
The below rates in High Point, NC, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Nationwide | $71 | $99 |
| Erie | $71 | $98 |
| Direct Auto | $77 | $109 |
| Liberty Mutual | $77 | $107 |
| National General | $77 | $106 |
| Progressive | $79 | $113 |
| Safeco | $82 | $119 |
| GEICO | $82 | $111 |
| Dairyland | $86 | $118 |
| Travelers | $91 | $127 |
| Allstate | $98 | $136 |
| State Farm | $118 | $162 |
Disclaimer: Table data sourced from real-time High Point car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in High Point may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DWI
Drivers with a DWI conviction may have a tough time finding affordable car insurance. DWIs are one of the most dangerous moving violations a driver can commit. A driver with a DWI may face hefty fines, points on their driver’s license, suspension of driving privileges, and rate increases for car insurance — if the driver’s insurer doesn’t drop them altogether.
High Point drivers with a DWI pay an average of $158 per month for minimum coverage. That cost jumps to $210 per month for full coverage.
That doesn’t mean finding insurance you can afford after a DWI is impossible. The following insurers offer the cheapest car insurance for drivers with a DWI in High Point.
The below rates in High Point, NC, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With DWI |
|---|---|---|
| Nationwide | $71 | $128 |
| Erie | $71 | $128 |
| Direct Auto | $77 | $139 |
| Liberty Mutual | $77 | $139 |
| National General | $77 | $139 |
| Progressive | $79 | $169 |
| Safeco | $82 | $156 |
| GEICO | $82 | $147 |
| Dairyland | $86 | $155 |
| Travelers | $91 | $164 |
| Allstate | $98 | $177 |
| State Farm | $118 | $213 |
Disclaimer: Table data sourced from real-time High Point car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in High Point may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors
Car insurance rates vary depending on your age. Rates tend to be high for young drivers, but they decrease around age 35. Rates remain similar until drivers reach their 70s. Drivers around age 70 may see an uptick in their rates due to an enhanced accident risk and the potential for more serious injuries incurred in accidents.
Senior drivers in High Point pay an average of $66 per month for liability insurance. The following insurance companies offer the cheapest car insurance for seniors in High Point.
The below rates in High Point, NC, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Nationwide | $55 | $84 |
| Erie | $55 | $85 |
| National General | $62 | $89 |
| Direct Auto | $63 | $82 |
| Liberty Mutual | $66 | $117 |
| GEICO | $67 | $101 |
| Progressive | $71 | $86 |
| Safeco | $73 | $126 |
| Dairyland | $74 | $167 |
| Travelers | $74 | $112 |
| Allstate | $81 | $122 |
| State Farm | $95 | $142 |
Disclaimer: Table data sourced from real-time High Point car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in High Point may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens
Teen drivers’ lack of experience behind the wheel, plus their tendency to take risks and have the highest accident rates of any age group, means they have the highest auto insurance rates of any age demographic, which can be tough on the family budget.
Teen drivers in High Point pay monthly averages of $140 for liability coverage and $185 for full coverage.
Young drivers and their parents can still save money on auto insurance premiums in various ways, including:
Stay on your parents’ policy. Teen drivers can get their own car insurance coverage with the written consent of a parent or guardian, but it’s generally much cheaper to stay on your parent’s policy.
Drive a safe car. The Insurance Institute for Highway Safety offers recommendations for safe, practical, and affordable cars suitable for teens.
Enroll in a defensive driving class. This will not only help teens learn safe driving skills and techniques, but insurers may also offer a discount.
Get good grades. Teen drivers with certain GPAs may be eligible for a good student discount.
Check out the cheapest car insurance for teens in High Point:
The below rates in High Point, NC, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Erie | $133 | $204 |
| Liberty Mutual | $139 | $246 |
| Nationwide | $142 | $213 |
| Dairyland | $149 | $335 |
| Progressive | $149 | $181 |
| GEICO | $150 | $227 |
| Direct Auto | $151 | $196 |
| National General | $159 | $229 |
| Safeco | $168 | $292 |
| Travelers | $192 | $290 |
| Allstate | $198 | $296 |
| State Farm | $233 | $350 |
Disclaimer: Table data sourced from real-time High Point car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in High Point may vary based on the policy buyer's unique driver profile.
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High Point car insurance quotes by credit tier
Insurance companies in North Carolina are allowed to use your credit history to determine your premium costs.[2] That means drivers with credit-based insurance scores often pay lower rates than drivers with poor credit scores. Working to improve your credit record may also help lower your insurance costs.
Insurance companies can use credit histories to determine rates, but it can’t be the only factor. For example, if you have excellent credit but a DWI on your record, you’ll probably pay more than a driver with poor credit and a squeaky clean driving record.
The chart below shows the average monthly cost of insurance in High Point by 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 High Point?
Car insurance rates in High Point are similar to the North Carolina state average. Across the Tar Heel State, full-coverage insurance costs an average of $90 per month, while the monthly average for a full-coverage policy in High Point is $98. As for liability-only insurance, the state average cost is $66 per month, while High Point residents pay an average of $74 per month for the same level of coverage.
Costs may vary within a state for a number of reasons — and sometimes even within a single city. Things like geographic location, population density, vehicle crime statistics, and demographics can all factor into an insurer’s calculation of premium costs.
More cities in North Carolina
See how average car insurance rates compare in some other North Carolina cities in the table below.
The below rates in High Point, NC, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
City | Full Coverage | Liability Only |
|---|---|---|
| Morrisville | $78 | $60 |
| Asheville | $78 | $55 |
| Burlington | $82 | $58 |
| Mooresville | $86 | $64 |
| Chapel Hill | $86 | $54 |
| Wilmington | $87 | $68 |
| Rocky Mount | $88 | $66 |
| Cary | $88 | $59 |
| Jacksonville | $90 | $68 |
| Hickory | $92 | $65 |
| Matthews | $93 | $73 |
| Kannapolis | $97 | $74 |
| High Point | $98 | $74 |
| Durham | $98 | $64 |
| Raleigh | $98 | $71 |
| Wilson | $99 | $79 |
| Gastonia | $99 | $83 |
| Goldsboro | $100 | $69 |
| Greensboro | $101 | $73 |
| Greenville | $106 | $75 |
| Fayetteville | $108 | $81 |
| Charlotte | $111 | $86 |
Disclaimer: Table data sourced from real-time High Point car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in High Point may vary based on the policy buyer's unique driver profile.
High Point car insurance FAQs
Finding the best car insurance can be difficult. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in High Point.
How much is car insurance in High Point?
Liability insurance in High Point costs $74 per month, on average. Drivers pay $98 per month for full-coverage insurance. Your exact premium will depend on your insurer, driving record, credit history, vehicle type, age, coverage level, and more.
Which company has the cheapest car insurance in High Point?
Nationwide has the cheapest car insurance in High Point, with monthly liability rates as low as $71. Erie and Direct Auto also offer affordable coverage, with respective monthly liability rates of $71 and $77.
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 High Point?
With an Insurify Quality (IQ) Score of 8.5 out of 10 and an AM Best financial strength rating of A++ (Superior), Travelers is the best car insurance company in High Point. Of the insurers Insurify has rate data for, other top High Point insurers include Erie and GEICO.
What are the car insurance requirements in North Carolina?
North Carolina drivers must carry $30,000 per person and $60,000 per accident in bodily injury liability coverage, along with $25,000 per accident in property damage liability insurance. Drivers also must carry uninsured/underinsured motorist coverage. These coverage limits will increase on July 1, 2025 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.
How do points affect insurance in North Carolina?
North Carolina issues points through its Safe Driver Incentive Plan. Points range from one to 12, with more points equalling higher rate increases. The more severe the violation, the more points you’ll get in a given citation. For full details, view the official page.[3]
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 Department of Transportation. "Insurance Requirements."
- North Carolina Department of Insurance. "A Consumer's Guide to Insurance Companies' Use of Credit Information."
- North Carolina Department of Insurance. "Safe Driver Incentive Plan."
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Emily Guy BirkenInsurance and Personal Finance Writer
Plutus Award winner
Over 12 years writing about insurance and personal finance
Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.
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Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.
Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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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.