What's the Cost of Car Insurance in Greensboro?


On average, premiums in North Carolina sit under the national average by $628. While premiums in the city are also relatively low, if you are insuring a vehicle in Greensboro, cutting costs is still crucial. Keep some cash in your pocket by following our tips and saving on car insurance in Greensboro.


AUTO INSURANCE PRICES: GREENSBORO VS. STATE/US AVERAGES
City AverageState AverageNational Average
$936$941$1,569


Greensboro Car Insurance Premiums by Driver Age

When Greensboro drivers reach their 20s, therefore moving out of the teenage age bracket, they save an average of $1,225 on car insurance, which is the most change you'll see between any age group. The first time drivers can anticipate their age to trigger an increase in premiums is when they turn 60. At $868, drivers in their 50s have the smallest car insurance rates among any age group. However, people in their 70s and 60s also have relatively low premiums, with premiums of $876 and $880, respectively. Teenage drivers have the biggest premiums amongst all the age groups. They have car insurance payments that average $2,093.


GREENSBORO AUTO INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage Rate
Teenagers$2,093
20s$1,026
30s$933
40s$911
50s$868
60s$880
70s$876


Greensboro Car Insurance With Accidents or Violations


Do you have a history of accidents or violations? That can have an impact on your prices on car insurance. In Greensboro, drivers with a DUI need to spend over 4x the average for the city to insure their vehicle. Reckless driving will bump your rates up as well, with typical rates of $1,723, which are 84% higher than the city average! The amount of damage caused by an accident plays a role in how drastically insurance rates will increase. For those in Greensboro with at-fault accidents in which damages exceeded $2,000, rates are an average of 18% more than at-fault accidents with damages less than $1,000.


AVERAGE GREENSBORO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Annual Premium
DUI$3,958
Reckless Driving$1,723
At-fault Accident (damages less than $1,000)$1,310
At-fault Accident (damages greater than $2,000)$1,548
Speeding Ticket (16-20 mph over speed limit)$1,411


Greensboro Car Insurance by Gender and Marital Status


In Greensboro, both marital status and gender can impact your car insurance premiums. However, the amount by which men's and women's car insurance premiums deviate is trivial. While being married (as opposed to single) doesn't significantly change your premiums, it does save you a small amount on car insurance. In contrast, divorced and widowed individuals pay the same as drivers who are single.


GREENSBORO CAR INSURANCE RATES BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$940
Male$936
Single$936
Married$930
Divorced$936
Widowed$936


Greensboro Car Insurance by Credit Score


Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you $574 each year on car insurance. Moving from Very Poor (300-579) to Fair (580-669) generates the most significant percent decrease in premiums, as drivers save an average of 28% per year.


GREENSBORO CAR INSURANCE RATES BY CREDIT TIER
Credit LevelAverage Car Insurance Rate
Very Poor$1,443
Fair$1,038
Good$936
Very Good$907
Exceptional$869


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

96

Rainy Days a Year

43"

Avg. Annual Rainfall

9"

Avg. Annual Snowfall

Be Prepared For

Driving in Greensboro

2
Major Highways
I-40 I-85 I-73
2
Public Transit
GTA Bus HEAT Bus

Find Local Greensboro Agents

Barnett-Smith Insurance

218 N Eugene St Greensboro, NC 27401

First Citizens Insurance Services - Greensboro

1414 W. Northwood St. Greensboro, NC 27408

The Andrews Agency

3711 W Market St Greensboro, NC 27403

The Beacon Insurance Group Inc

1515 W Cornwallis Dr Ste 206 Greensboro, NC 27408

Latorre Insurance

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

Scott Insurance

628 Green Valley Rd Ste 306 Greensboro, NC 27408

McDowell Corporation dba Amos Insurance Agency

1225 4th Street Greensboro, NC 27405

Wood Insurance Agency, Inc.

1400 Battleground Ave Ste 134-C Greensboro, NC 27408

BB&T Insurance Services, Inc.

3318 W Friendly Ave Ste 400 Greensboro, NC 27410

Piedmont Triad Insurance Agency

819 N. Elm St. Greensboro, NC 27401

Pelnik Insurance of Greensboro, NC, Inc.

3828 Burlington Road Greensboro, NC 27405

Hometown Insurance Service

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

Guilford City/County Insurance Advisory Committee

620 Green Valley Rd St 302 Greensboro, NC 27408

HPB Insurance Group, Inc.

324 W Wendover Ave Ste 110 Greensboro, NC 27408

Senn Dunn-Greensboro

3625 N Elm St Ste 200 Greensboro, NC 27455

Citizen's Insurance Agency of Greensboro

1025 E Wendover Ave Greensboro, NC 27405

Godwin Insurance Agency

905 Battleground Ave Greensboro, NC 27408

McClintock and Associates Insurance

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

Arthur J Gallagher Risk Management

324 W Wendover Ave Ste 112 Greensboro, NC 27408

Craft Insurance

823 N Elm St Greensboro, NC 27401

Moore, Brooks & Donnell Insurance Service

504 E Cornwallis Dr # 6 Greensboro, NC 27405

Not sure about Greensboro

Check out these other North Carolina cities...

Charlotte

Raleigh

Durham

Winston-Salem

2

$751

The average Greensboro resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

120

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

See How Much You Can Save in Greensboro

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Recent Questions:

Greensboro Car Insurance

I got into an accident with my company's vehicle. Will this affect my personal auto insurance?

Any citations you are issued are a part of your personal driving record. However, unless you are planning to switch companies in the near future, it's unlikely your personal auto insurance company will find out about it.

Can salvage title vehicles be insured?

Insuring a salvage title vehicle is not impossible, however, you will probably run into companies that flat-out won't provide coverage for that type of vehicle. Your best bet is to let the agent providing a quote know that the vehicle is salvaged so you don't waste your time.

Should I pay for damage out of pocket or file a claim with my insurance company?

A car accident can have a fairly significant impact on your rates so if they damage is not extensive, as you say, you might want to consider paying for the damage out of pocket. Ultimately, that decision is up to you, but our State of Insurance Report (page 58) shows that at fault accidents in North Carolina will cause an average rate increase of $426 per year to your policy.