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 Average||National Average|
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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
|Insurer||Average Yearly Rate|
|North Carolina Farm Bureau||$788|
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 bracket||Average Yearly Rate|
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 Status||Average Yearly Rate|
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/Violation||Average Annual Rate|
|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|
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 Tier||Average Annual Rate|