What's the Average Cost of Car Insurance in Greensboro?

Premiums in Greensboro are relatively consistent with state rates, as its premiums are within $8 of North Carolina's average. Who doesn't like saving money? Check out some ways to save on car insurance in Greensboro.

City AverageState AverageNational Average

Greensboro Car Insurance by Credit Rating

Improving your credit can save you a sizable bundle of money. Those in the top credit tier (800-850) typically save 18% every year on car insurance compared to those in the bottom tier (300-579). Drivers can save approximately $73 per year when they improve their credit tier from Good (670-739) to Very Good (740-799).

Credit LevelAverage Auto Insurance Rate
Very Poor$1,032
Very Good$882

Greensboro Car Insurance by Gender and Marital Status

In Greensboro, quite a few driver attributes, including marital status and gender, can play a part in car insurance premiums. However, premiums for men tend to be only a little cheaper than for women. While being single (as opposed to married) doesn't drastically 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.

Marital Status/GenderAverage Rate

Greensboro Auto Insurance by Violation or Accident History

Maintaining a flawless driving record is critical if you want to keep the cost of insurance premiums low. Reckless driving will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Greensboro have rates nearly double the average for the city of $873. Reckless driving will also bump your rates up, with average rates of $3,672, which are 321% higher than the city average! The amount of damage that results from an at-fault accident affects insurance rates. Being at-fault in an accident with damages exceeding $2,000 costs you an extra $126 per year in premiums compared to an accident with damages less than $1,000.

Incident/ViolationAverage Insurance Rate
Reckless Driving$3,672
At-fault Accident (damages less than $1,000)$1,199
At-fault Accident (damages greater than $2,000)$1,325
Speeding Ticket (16-20 mph over speed limit)$1,302

Greensboro Auto Insurance Premiums by Age

When Greensboro drivers reach their 20s, therefore moving out of the teenage age bracket, they pay 54% less in premiums. It is the biggest gap between any age group. When drivers turn 60, they will experience an insurance rate increase related to their age for the first time. Among all age groups, drivers in their 50s have the lowest payments, with rates of $856. Those in their 40s ($863) and 60s ($872) have premiums that aren't much higher. With average car insurance payments of $1,929, teenage drivers have the highest rates of any age group.

AgeAverage Rate

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.


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

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

Craft Insurance

823 N Elm St Greensboro, NC 27401

Senn Dunn-Greensboro

3625 N Elm St Ste 200 Greensboro, NC 27455

First Citizens Insurance Services - Greensboro

1414 W. Northwood St. Greensboro, NC 27408

Hometown Insurance Service

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

McClintock and Associates Insurance

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

Guilford City/County Insurance Advisory Committee

620 Green Valley Rd St 302 Greensboro, NC 27408

Arthur J Gallagher Risk Management

324 W Wendover Ave Ste 112 Greensboro, NC 27408

Piedmont Triad Insurance Agency

819 N. Elm St. Greensboro, NC 27401

Wood Insurance Agency, Inc.

1400 Battleground Ave Ste 134-C Greensboro, NC 27408

Barnett-Smith Insurance

218 N Eugene St Greensboro, NC 27401

Citizen's Insurance Agency of Greensboro

1025 E Wendover Ave Greensboro, NC 27405

Godwin Insurance Agency

905 Battleground Ave Greensboro, NC 27408

The Beacon Insurance Group Inc

1515 W Cornwallis Dr Ste 206 Greensboro, NC 27408

Latorre Insurance

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

The Andrews Agency

3711 W Market St Greensboro, NC 27403

Pelnik Insurance of Greensboro, NC, Inc.

3828 Burlington Road Greensboro, NC 27405

BB&T Insurance Services, Inc.

3318 W Friendly Ave Ste 400 Greensboro, NC 27410

Moore, Brooks & Donnell Insurance Service

504 E Cornwallis Dr # 6 Greensboro, NC 27405

See All

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