Cheapest Auto Insurance in High Point, North Carolina (2025)

The average cost of car insurance in High Point is only $78 per month, similar to the statewide average of $75 per month and much lower than the national monthly average of $144.

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.

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.

Best insurer for coverage options: Travelers

Best insurer for customer satisfaction: Erie

Best insurer for discounts: GEICO

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.

Cheapest liability-only car insurance in High Point: Progressive

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 $65 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.

Cheapest full-coverage car insurance in High Point: Nationwide

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 $90 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.

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:

You may also choose to purchase additional coverages on top of your liability coverage. Some common coverage options include:

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.

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 $89 per month for liability coverage and $124 per month for full coverage, on average.

The following insurers offer the cheapest car insurance for drivers with a speeding ticket in High Point.

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 $93 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.

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 $106 per month for minimum coverage. That cost jumps to $147 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.

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 $59 per month for liability insurance. The following insurance companies offer the cheapest car insurance for seniors in High Point.

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 $128 for liability coverage and $177 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:

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:

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 $87 per month, while the monthly average for a full-coverage policy in High Point is $90. As for liability-only insurance, the state average cost is $62 per month, while High Point residents pay an average of $65 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.