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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.

Greensboro Average (yearly) North Carolina Average National Average
$945 $955 $1,548

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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.

Insurance Company Average Rate (annual)
GEICO $546
North Carolina Farm Bureau $781
State Farm $823
Erie $823
Nationwide $1,030

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.

Age Average Annual Rate
Teenagers $2,118
20s $1,028
30s $937
40s $920
50s $885
60s $885
70s $941

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.

Gender/Marital Status Average Yearly Rate
Female $945
Male $945
Single $950
Married $950
Divorced $945
Widowed $945

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.

Incident Average Yearly Rate
DWI/DUI $4,315
Reckless Driving $1,764
At-fault Accident (damages less than $1,000) $1,267
At-fault Accident (damages greater than $2,000) $1,546
Speeding Ticket (16-20 mph over speed limit) $1,430

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.

Credit Tier Average Rate (annual)
Very Poor $1,498
Fair $1,111
Good $945
Very Good $916
Exceptional $875

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

Greensboro Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Greensboro, you can expect 96 rainy days with an annual rainfall of 43 inches. Greensboro is also known to experience thunderstorms and occasional hurricanes.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in Greensboro

Major Highways
I-40 I-85 I-73
Public Transit

Find Local Greensboro Agents

Arthur J Gallagher Risk Management

324 W Wendover Ave Ste 112, Greensboro, NC 27408

Craft Insurance

823 N Elm St, Greensboro, NC 27401

Senn Dunn-Greensboro

3625 N Elm St Ste 200, Greensboro, NC 27455

Guilford City/County Insurance Advisory Committee

620 Green Valley Rd St 302, Greensboro, NC 27408

Moore, Brooks & Donnell Insurance Service

504 E Cornwallis Dr # 6, Greensboro, NC 27405

BB&T Insurance Services, Inc.

3318 W Friendly Ave Ste 400, Greensboro, NC 27410

Barnett-Smith Insurance

218 N Eugene St, Greensboro, NC 27401

McClintock and Associates Insurance

717 Green Valley Rd., Ste. 200, Greensboro, NC 27408

The Beacon Insurance Group Inc

1515 W Cornwallis Dr Ste 206, Greensboro, NC 27408

Citizen's Insurance Agency of Greensboro

1025 E Wendover Ave, Greensboro, NC 27405

The Andrews Agency

3711 W Market St ste b, Greensboro, NC 27403

Wood Insurance Agency, Inc.

1400 Battleground Ave Ste 134-C, Greensboro, NC 27408

Piedmont Triad Insurance Agency

819 N. Elm St., Greensboro, NC 27401

Latorre Insurance

4131 Spring Garden St., #C, Greensboro, NC 27407

Hometown Insurance Service

1828 Banking St., Ste. 4, Greensboro, NC 27408

HPB Insurance Group, Inc.

324 W Wendover Ave Ste 110, Greensboro, NC 27408

Scott Insurance

628 Green Valley Rd Ste 306, Greensboro, NC 27408

McDowell Corporation dba Amos Insurance Agency

1225 4th Street, Greensboro, NC 27405

First Citizens Insurance Services - Greensboro

1414 W. Northwood St., Greensboro, NC 27408

Godwin Insurance Agency

905 Battleground Ave, Greensboro, NC 27408

Pelnik Insurance of Greensboro, NC, Inc.

3828 Burlington Road, Greensboro, NC 27405


The average Greensboro resident's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 120 cups of coffee or $300 in savings

See How Much You Can Save in Greensboro

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.