Greensboro, NC Car Insurance

What is the average cost of car insurance in Greensboro?

The typical Greensboro driver pays $945 per year for auto insurance. That's less than the average in North Carolina ($955) and less expensive than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Greensboro.

AUTO INSURANCE: GREENSBORO RATES VS. STATE + NATIONAL AVERAGES

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Greensboro car insurance rates by insurer

One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical insurance customer, GEICO provides Greensboro's cheapest rates. We've gathered the best cheap car insurance companies in Greensboro below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.

GREENSBORO CAR INSURANCE PREMIUMS BY COMPANY

Read our guide to finding the best cheap auto insurance.

Car insurance rates by age bracket in Greensboro

The age group that enjoys the lowest auto insurance rates in Greensboro are drivers in their 50s, who pay an average of $885per year. Those in their 60s don't pay much more ($885).

Young drivers aged 16 to 19 pay the most for car insurance in Greensboro. One of the most effective ways to get cheaper car insurance rates as a driver in Greensboro is to celebrate your 20th birthday. In Greensboro, teenage drivers pay $2,118 — a full $1,233 more than the second-most expensive rate paid by an age group.

GREENSBORO AUTO INSURANCE PREMIUMS BY DRIVER AGE

Learn more about the impact of age on auto insurance rates.

Greensboro car insurance rates by marital status and gender

In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In Greensboro, married drivers pay $6 more than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Greensboro, single drivers pay less than those who are widowed.

Gender is another factor that can affect car insurance rates. Greensboro's car insurance cost gap by gender is $0 per year, with male drivers paying more than female drivers.

GREENSBORO CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS

Read more about the relationships between gender, marital status and insurance rates.

Greensboro auto insurance rates by incident history

Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Greensboro drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $820 per year versus the city average. A ticket for speeding results in a $486 rate hike, on average, while a DUI violation costs $3,370per year in insurance premiums.

GREENSBORO CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT

Learn more about how citations can raise your auto insurance rates.

Greensboro car insurance rates by credit score

One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. Greensboro drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 42% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Greensboro, improving your credit to "Fair" could help you earn a $386 decrease in annual car insurance rates.

GREENSBORO AUTO INSURANCE RATES BY CREDIT TIER

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

What drives up car insurance rates in Greensboro?

Where you live in Greensboro affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Greensboro is no exception to the rule. From ZIP code 27282 to 27412, premiums rise by 3 percent—that’s $22.

Expensive Greensboro ZIP codes: 27499, 27498, 27495, 27413, 27412

Cheap Greensboro ZIP codes: 27282, 27405, 27406, 27407, 27214