Greensboro Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in North Carolina has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Greensboro typically pay around $95.88 per month compared to the national average of $146.47 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Greensboro, NC Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Direct Auto generally has the most affordable car insurance in Greensboro coming in around $56.38 per month. Other companies to consider if you live in Greensboro is Erie with an average cost of $79.91 per month and North Carolina Farm Bureau which typically runs around $87.06 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Greensboro.

How Much is Car Insurance in Greensboro, NC?

Rates can vary from city to city. The residents of Asheville typically pay $71.60 per month while people who live in Cary will pay $85.05 per month on average. See what people pay for car insurance in other cities in North Carolina.

Cheap Car Insurance in Greensboro by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of North Carolina. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Greensboro

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $123.61 per month in Greensboro. Compare that to drivers in their 30’s who typically pay around $103.43 per month drivers in their 40s at $86.74 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Greensboro

If you are teen in Greensboro you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Direct Auto typically charges around $74.59 per month. This is likely the most affordable option in Greensboro. You might also want to consider National General and Auto-Owners Insurance Co who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Greensboro

20 year-olds in Greensboro might want to consider Direct Auto who, on average, offers car insurance rates around $58.25 per month. Erie , North Carolina Farm Bureau , Auto-Owners Insurance Co and GMAC Insurance Group are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Greensboro

If you are in your 30s in Greensboro our research has found that Direct Auto typically has the most affordable coverage coming in around $53.32 per month, followed by Erie at $81.34 and Auto-Owners Insurance Co at $84.40.

Cheapest Insurance for 40 Year-olds in Greensboro

On average, Direct Auto offers car insurance for 40 year-olds in Greensboro for around $51.60 per month. If you are looking for affordable coverage, you may also want to consider Erie or State Farm. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Greensboro

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Greensboro we found that Direct Auto generally offers the most affordable coverage at $55.99 per month.

Cheapest Insurance for 60 Year-olds in Greensboro

If you live in Greensboro and you’re in your 60s, our data indicates that Direct Auto usually has the best rates at $52.60 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Greensboro, NC

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Greensboro, the average monthly rate for a driver who is currently insured is $102.13 while drivers who are not currently covered will pay around $88.06.

Compare Recent Car Insurance Quotes in Greensboro

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Greensboro a driver of a 2013 Kia Soul can expect to pay around $267.23 per month while someone that owns a 2023 Nissan Sentra may pay around $429.78 per month. Check out the list of recent quotes in Greensboro below.

FAQ's for Drivers in Greensboro, NC

What Is the Minimum Amount of Liability Coverage Requirement in Greensboro?

North Carolina law requires Greensboro drivers to carry a minimum of 30/60/25 coverage for their vehicles. Individuals must carry the following minimum coverage (or higher) for all policies:

• $30,000 bodily injury per person per accident-related

• $60,000 bodily injury for all persons per accident-related

• $25,000 property damage liability

• $30,000/$60,000 uninsured/underinsured motorist insurance

North Carolina’s minimum coverage requirements may not be enough to pay for damages or injuries that you cause. Additional insurance can provide protection when you’re at-fault in an accident. You can use SmartFinancial to search for better coverage at more affordable rates.

What Is the Blood Alcohol Concentration (BAC) Limit in Greensboro?

In North Carolina, law enforcement can charge individuals who drive while impaired by drugs or alcohol with Driving While Intoxicated (DWI) offenses. In the state, it’s illegal for drivers to operate vehicles with following Blood Alcohol Concentrations (BAC):

• 0.08 percent BAC or more for drivers (21 years and older)

• 0.04 percent BAC for commercial drivers (21 years and older)

• Zero-Tolerance policy for drivers (21 years and younger)

Drivers (younger than the legal drinking age) can face the immediate suspension of their license if officers find any drugs or alcohol within their systems. Individuals who refuse to take the Intoxilyzer test can also lose their privileges.

The state also forbids the transportation of open alcohol containers in all commercial vehicles and passenger cars. If you’re charged with a DWI, we understand it can affect your insurance rates. To search for insurers with lower, more affordable rates, you can use SmartFinancial’s online app.

Can I Register My Car Without Insurance in Greensboro?

No, individuals cannot register cars within Greensboro without insurance. North Carolina statute G.S. 20-309 requires all drivers to carry continuous liability insurance by a licensed North Carolina insurance provider. The state doesn’t accept out-of-state insurance policies.

What are the consequences of being convicted of a DUI?

Penalties for driving while impaired in North Carolina vary greatly. There are five levels of misdemeanor driving while intoxicated (DWI), with Level 1 being the most serious and Level 5 being the least serious. Levels 1 and 2 drivers are repeat offenders, are transporting children, have had their license revoked, or have hurt someone in a crash. Punishments range from $200 fines and community service to $4,000 in fines and a maximum jail sentence of two years. Habitual DWI offenders can be charged with and convicted of a felony.

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