High Point Car Insurance

What's the average cost of car insurance in High Point?


The average car insurance rate in High Point is $944 per year. That's cheaper than the average in North Carolina ($955) and less expensive than the national average of $1,548. Our guide to High Point auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!


HIGH POINT CAR INSURANCE RATES
High Point Average (yearly)North Carolina AverageNational Average
$944$955$1,548

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High Point car insurance rates by insurer


The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In High Point, GEICO offers the cheapest rates for the average insurance customer. See below the best companies for cheap auto insurance in High Point — but don't forget to get personalized car insurance quotes to match your driving profile.


HIGH POINT AUTO INSURANCE RATES BY COMPANY
InsurerAverage Yearly Rate
GEICO$537
North Carolina Farm Bureau$788
State Farm$800
Erie$837
Nationwide$1,038

Check out our guide to learn how to find the best cheap car insurance.



High Point auto insurance rates by age

The best age for car insurance rates as a driver in High Point is your age_50s: drivers in this age group pay an average of $885per year. Those in their age_60s don't pay significantly more ($885).

Teenage drivers pay High Point's most expensive auto insurance rates. One of the easiest ways to lower your car insurance rates as a driver in High Point is to age out of your teenage years. In High Point, teenage drivers pay $2,122 — a full $1,236 more than the second-most expensive rate paid by an age group.


HIGH POINT CAR INSURANCE RATES BY DRIVER AGE
Age bracketAverage Yearly Rate
Teens$2,122
20s$1,026
30s$937
40s$920
50s$885
60s$885
70s$941

Learn more about how age influences auto insurance rates.



High Point auto insurance rates by gender and marital status


In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in High Point pay $6 more than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single.

Gender is another factor that can affect car insurance rates. In High Point, the gap in average auto insurance premiums between genders is $0 per year, with male drivers paying more than female drivers.


HIGH POINT AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Yearly Rate
Female$944
Male$944
Single$950
Married$950
Divorced$944
Widowed$944

Learn more about how gender and marital status have on insurance rates.



High Point car insurance costs by driving history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In High Point, a reckless driving citation results in an average insurance rate increase of $815 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $3,349 increase and a speeding ticket triggers a $483 rate hike.


AVERAGE HIGH POINT INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Annual Rate
DWI/DUI$4,293
Reckless Driving$1,758
At-fault Accident (damages less than $1,000)$1,264
At-fault Accident (damages > $2,000)$1,541
Speeding Ticket (16-20 mph over speed limit)$1,426

Learn more about citations' impact on your auto insurance rates.



High Point car insurance rates by credit tier


In many cases, a driver's credit level is closely correlated with their auto insurance rates. In High Point, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 41% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In High Point, improving your credit to "Fair" could help you earn $382 in savings on insurance premiums each year.


HIGH POINT AUTO INSURANCE PREMIUMS BY CREDIT TIER
Credit TierAverage Annual Rate
Very Poor$1,490
Fair$1,108
Good$944
Very Good$916
Exceptional$876

Learn more about the relationship between poor credit and car insurance.



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.