Cheapest Auto Insurance in Greensboro, North Carolina (2025)

Greensboro drivers pay an overall average of $80 per month for car insurance. This is similar to the statewide average of $75 per month and much lower than the nationwide average of $143 per month. Greensboro doesn’t experience severe weather as much as coastal North Carolina cities, which could partly explain its lower rates.

Here’s what you need to know about comparing quotes and finding affordable car insurance in Greensboro.

3 of the cheapest car insurance companies in Greensboro

Car insurance is very affordable across the board in Greensboro compared to the rest of the country. Even so, a few companies emerged as offering especially cheap car insurance, according to Insurify data.

Best insurer for high-risk drivers: Direct Auto

Best insurer for young drivers: Erie

Best insurer for full coverage: Nationwide

How to get the cheapest car insurance in Greensboro

“The best way to ensure customers get the right amount of coverage for the lowest price is to have a discussion [with an insurance agent] regarding their risk profile,” says Carla Bluitt, agency owner of the Bluitt & Associates Agency in Greensboro. This includes things like the type of car you’re driving, how many drivers there are, what their driving histories look like, and more.

Here are some tips to help Greensboro drivers save on car insurance:

• Ask about discounts. Look for insurers that offer a wide range of discount options, especially ones that might be relevant for you.

• Increase your deductible. Choose the plan with the highest comprehensive and collision deductibles you can afford to pay out of pocket, since this typically comes with lower premiums.

• Review your policy. Consider whether you need to carry full coverage on older cars, especially if you’d be able to pay out of pocket to replace them after a total loss.

• Shop for quotes. Get quotes from multiple companies with the same coverage levels to find the best rates for your needs.

Cheapest liability-only car insurance in Greensboro: Progressive 

North Carolina requires all drivers to purchase a minimum level of liability insurance coverage for each car. It’s important to note that minimum liability coverage only provides payouts to other people if you injure someone else or damage their property. It doesn’t do anything to protect you or your car. But because it’s such a bare-bones auto insurance policy type, it’s generally cheaper than policies with additional coverages.

Liability insurance in Greensboro costs an average of $68 per month. Here are the cheapest insurers in Greensboro for liability-only insurance.

Cheapest full-coverage car insurance in Greensboro: Nationwide 

“Full coverage” isn’t an exact term, but it generally means purchasing optional comprehensive and collision coverages, which pay for damages to your car, regardless of fault. If you’re paying off a car loan or lease, most lenders require you to purchase a full-coverage policy, but it’s your choice whether to keep the coverage or drop it once you pay off your loan.

Greensboro drivers pay a monthly average of $91 for full coverage.

If you’re interested in full-coverage car insurance, check out the insurers with the lowest rates for this type of policy in Greensboro.

Car insurance requirements in North Carolina

North Carolina is a tort liability state — also called an at-fault state — meaning you have the right to sue other drivers who injure you or damage your property if they cause a collision, and vice versa.3 North Carolina requires drivers to carry a minimum amount of liability insurance to pay for damages and injuries they cause.

The specific coverage limits required in the state increase on July 1, 2025. The table below reflects the change in requirements:4

A minimum liability-only policy offers the lowest rate in most cases, but it won’t give you a full range of protection. Here are some other common types of car insurance coverage that you might consider adding, depending on your situation:

Cheapest car insurance for drivers with an incident

Car insurance companies generally check your driving record, available on file with the North Carolina Division of Motor Vehicles, when you apply for a policy. If the insurer finds an incident on your report — such as a speeding ticket, DUI, or at-fault accident — it may charge you more for a policy or even decline you coverage altogether.5

Here are the cheapest Greensboro car insurance companies for each incident, based on Insurify data, to help you find the best coverage.

Cheapest car insurance for drivers with a speeding ticket

Speeding was a factor in about one out of every three car-accident-related deaths in 2021, according to the National Highway Traffic Safety Administration.6 Because speeding can be fatal, insurers charge higher rates for people with a demonstrated history of speeding.

But you may not see a high increase in your rates after a speeding ticket in Greensboro compared to other infractions. Greensboro drivers with a speeding ticket pay $96 per month for liability coverage and $129 for full coverage, on average.

The table below shows the cheapest car insurance companies after a speeding ticket in the city.

Cheapest car insurance for drivers with an at-fault accident

An at-fault accident on your record will likely increase your rates, unless you included accident forgiveness in your auto insurance policy.5 After an at-fault accident, your risk for another accident increases, and insurers offset your high-risk driver status by raising your premiums. 

Liability insurance costs an average of $100 per month for drivers in Greensboro with an accident. The table below shows the average rates insurers charge Greensboro drivers with an at-fault accident on their driving record.

Cheapest car insurance for drivers with a DUI

Driving under the influence is one of the most serious driving offenses, and 3,848 people died in crashes involving an impaired driver between 2009 and 2018, according to 2020 Centers for Disease Control and Prevention data.6 Because of the high risk of loss, drivers with a DUI typically experience the highest rates out of any driver profile. It can be tough in this situation to even find coverage, meaning you might have to resort to an expensive policy from a specialty high-risk insurance company.

Greensboro drivers with a DUI pay an average of $120 per month for minimum-coverage policies. That price jumps to $161 per month for full coverage.

The table below shows the cheapest car insurance companies in Greensboro for drivers with a DUI on their record.

Cheapest car insurance for seniors

Car insurance companies also factor your age into account, as it can affect your likelihood of getting into an accident. Rates tend to go down after age 35 as you get more experience. But by the time you reach age 70, rates may start to increase again due to decreased reaction times, eyesight, and hearing capabilities.7 

Despite this, senior drivers in Greensboro pay low average rates for car insurance compared to young drivers. Liability insurance costs an average of $61 per month for senior drivers in Greensboro.

The table below shows the cheapest car insurance companies in the city for senior drivers.

Cheapest car insurance for teens

Teenagers, on the other hand, have very sharp physical skills but very little experience driving. Teenagers are often at much higher risk of getting into an accident for this reason, and that’s why insurance companies charge younger drivers higher premiums.8

Teen drivers in Greensboro pay monthly averages of $137 for liability coverage and $183 for full coverage.

But teens still have plenty of options to find affordable coverage. You can stay on your parents’ insurance plan for a few years, drive a car with higher safety ratings, and look for student-centric discounts.

Here are the car insurance companies in Greensboro with the cheapest rates for teen drivers.

Greensboro car insurance quotes by credit tier

About 95% of car insurance companies look at your credit history when deciding how much to charge you for a policy.9 If you have an excellent or good credit score, you’ll typically qualify for much lower rates on the same policy compared to someone with a poor credit score.

Here’s how much insurers charge Greensboro residents, on average, according to their credit tier:

Is car insurance more expensive in Greensboro?

“Comparatively speaking, automobile insurance in North Carolina is less expensive than the rest of the country,” says Bluitt. There can be a few reasons for this.

“North Carolina is one of the few states that has a bureau to administer property and casualty rates for automobile insurance.” This helps keep prices low since the state government needs to approve rate increases.

“Fortunately, we are not a coastal territory, so we are less prone to major weather-related factors such as hurricanes but not immune,” says Bluitt. “We think of the tornado that impacted East Greensboro in 2018, and although not common, we do see storms that do have an impact with falling trees, driving conditions, and more.”

More cities in North Carolina

Greensboro car insurance rates run about average for the state, according to Insurify data. Some of the more densely populated cities and ZIP codes in North Carolina, like Charlotte, have higher car insurance costs than Greensboro.

Greensboro car insurance FAQs