High Point Car Insurance

The Zebra
May 30, 2018

Car Insurance in High Point

North Carolina is recognized for its low-cost premiums, as its mean rate sits under the national average by $562. While premiums in the city are also relatively low, being knowledgeable about premiums while insuring a vehicle in High Point is still crucial. Let’s go over some tips on how to save on car insurance in High Point.

  • City Average: $862
  • State Average: $865
  • National Average: $1,427

High Point Car Insurance by Accident or Violation History

Accidents and violations on your record can cost you in terms of car insurance premiums. Insurance rates are impacted by at-fault accident history, and more specifically, by the extent of the damage that was done in the accidents. Compared to at-fault accidents with damages less than $1,000, accidents with damages exceeding $2,000 cost you another 10% per year in premiums. Normally, a DUI in High Point will cost you 93% more in car insurance premiums versus the city average of $862. Reckless driving will drive your rates up as well, with average rates of $3,619. That is 320% higher than the city average!

  • DUI: $1,660
  • Reckless Driving: $3,619
  • At-fault Accident (damages less than $1000): $1,183
  • At-fault Accident (damages greater than $2000): $1,307
  • Speeding Ticket (16-20 mph over speed limit): $1,285

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High Point Car Insurance by Credit Rating

Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you $182 each year on premiums. Drivers will see the largest reduction in premiums when they boost their credit from Good (670-739) to Very Good (740-799). That change can save them $72 per year.

  • Very Poor: $1,019
  • Fair: $993
  • Good: $942
  • Very Good: $870
  • Exceptional: $837

High Point Car Insurance by Age

With typical rates of $1,910, teenage drivers pay the most in car insurance premiums. The biggest drop in premiums for High Point drivers happens when they reach their 20s. Once out of the teenage age range, drivers save an average of $1,031. Rates continue to trend downward up until drivers hit 60. Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest premiums among any age group, with rates of $844/year. People in their 40s and 60s have premiums that aren't much higher, with premiums of $852 and $859, respectively.

  • Teenagers: $1,910
  • 20s: $879
  • 30s: $861
  • 40s: $852
  • 50s: $844
  • 60s: $859
  • 70s: $900

High Point Car Insurance by Gender and Marital Status

Pricing for car insurance premiums in High Point is determined by a lot of things, including marital status and gender. However, the amount by which men's and women's car insurance premiums differ is minimal. While being single (as opposed to married) doesn't drastically alter your premiums, it does save you a small amount of money. In contrast, widowed and divorced individuals pay the same as drivers who are single.

  • Female: $866
  • Male: $862
  • Single: $862
  • Married: $869
  • Divorced: $862
  • Widowed: $862