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Drivers in Greensboro, North Carolina, pay an average of $92 per month for car insurance. Despite the state having some key risk factors, including a high motor vehicle crash fatality rate and a propensity toward natural disasters, the city’s rates are far more affordable than the national average.[1] [2]
Even with already lower rates, quite a few insurers offer policies for cheaper than the average, including Erie, Nationwide, and Direct Auto, with the cheapest average liability rate starting at just $65 per month.
To help you find your next insurance policy, we’ve rounded up the best and cheapest auto insurers for various driver types and tips to help you save on coverage.
Greensboro drivers pay an average of $73 for liability insurance and $110 for full coverage.
Erie, GEICO, and Nationwide are the best auto insurance companies for Greensboro drivers.
North Carolina’s minimum coverage requirement increased from 30/60/25 liability coverage to 50/100/50 as of July 1, 2025.[3]
Regardless of the average premiums in Greensboro, you can still save money on your car insurance. Several companies offer rates below the citywide average, so be sure to shop around for insurance before signing up for coverage.
The table below shows the cheapest auto insurers in Greensboro, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| Erie | $65 |
| Nationwide | $65 |
| Direct Auto | $73 |
| GEICO | $74 |
| Liberty Mutual | $74 |
| National General | $74 |
| Progressive | $78 |
| Safeco | $78 |
| Travelers | $82 |
| Dairyland | $84 |
| Allstate | $89 |
| State Farm | $106 |
The companies above are a good starting point, but those insurers may not necessarily be the cheapest for everyone. That’s because your personal rates can vary widely based on the company you choose, your coverage needs, driving record, location, and more.
Check out the table below to see the cheapest insurers for different driver and coverage types, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Erie | $65 |
| Full coverage | Progressive | $102 |
| Teens | Erie | $120 |
| Seniors | Erie | $50 |
| Drivers with a speeding ticket | Erie | $89 |
| Drivers with an at-fault accident | Erie | $90 |
| Drivers with a DUI | Erie | $133 |
| Drivers with excellent credit | Erie | $51 |
| Drivers with poor credit | Erie | $95 |
Comparing quotes can save you up to $867.†
Greensboro drivers must meet the state’s minimum coverage requirements to drive legally in the Tar Heel State. Drivers pay an average of $73 per month for liability insurance. But most experts recommend purchasing more coverage than the state minimum to ensure you’ll have coverage for your own vehicle damage.
If you need only liability, here are the five cheapest companies in Greensboro for it, according to our research.
Company | Average Monthly Premium |
|---|---|
| Erie | $65 |
| Nationwide | $65 |
| Direct Auto | $73 |
| GEICO | $74 |
| Liberty Mutual | $74 |
| National General | $74 |
| Progressive | $78 |
| Safeco | $78 |
| Travelers | $82 |
| Dairyland | $84 |
| Allstate | $89 |
| State Farm | $106 |
Liability insurance usually isn’t enough coverage if you get into a serious car accident. That’s why most drivers benefit from full coverage, which pays for your vehicle damage. It includes liability insurance, collision, and comprehensive coverage. Lenders typically require you to have full coverage if you have a car loan or lease.
The average cost of full-coverage insurance in Greensboro is $110 per month. While full coverage tends to be more expensive, several insurers offer it for close to the average liability price in the city.
Here are the cheapest insurers offering full-coverage policies in Greensboro, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Progressive | $102 |
| Direct Auto | $104 |
| National General | $107 |
| Erie | $122 |
| Nationwide | $122 |
| Liberty Mutual | $129 |
| Safeco | $135 |
| GEICO | $139 |
| Travelers | $153 |
| Allstate | $165 |
| Dairyland | $188 |
| State Farm | $199 |
Teen drivers pay some of the highest insurance premiums of any age group. They’re nearly four times as likely to crash their vehicle as drivers 20 and older and are more likely to engage in high-risk driving activities, such as speeding and distracted driving, according to the Centers for Disease Control and Prevention.[4]
Greensboro teens pay an average of $166 per month for car insurance, but it may be possible to find better rates, depending on your driving habits and other factors.
The table below breaks down the five cheapest insurers in Greensboro for teens, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Erie | $120 |
| Nationwide | $127 |
| Liberty Mutual | $129 |
| GEICO | $134 |
| Progressive | $141 |
| Direct Auto | $142 |
| Dairyland | $146 |
| Safeco | $158 |
| Travelers | $171 |
| Allstate | $176 |
| State Farm | $205 |
Senior drivers tend to pay the lowest insurance premiums of any age group. Older drivers have the most experience behind the wheel. They tend to drive less (especially at night), which lowers their risk for accidents.
It’s worth noting that once a driver reaches their 70s, their risk may start to increase again as their likelihood of health impairments rises. For this reason, drivers in their 70s and older may start to see their rates increase slightly, while remaining lower than most other age groups.[5]
The average car insurance premium for senior drivers in Greensboro is $81 per month. But you can get even lower rates. Consider the five cheapest insurers for seniors in Greensboro, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Erie | $50 |
| Nationwide | $50 |
| GEICO | $59 |
| Direct Auto | $60 |
| Liberty Mutual | $62 |
| Travelers | $66 |
| Progressive | $68 |
| Safeco | $69 |
| Dairyland | $72 |
| Allstate | $73 |
| State Farm | $84 |
If you get a speeding ticket, your insurance rates are likely to increase, as it shows insurers you’re a higher-risk driver. But how much your rate increases after a ticket can vary based on a few different factors. Still, our data shows that a single speeding ticket causes average rates to increase by around 36% nationwide.
Greensboro drivers with a recent speeding ticket pay an average of $124 per month, according to Compare.com data. To help you find the best deal, we’ve highlighted the cheapest insurers in Greensboro after a ticket in the table below.
Company | Average Monthly Premium |
|---|---|
| Nationwide | $88 |
| Erie | $89 |
| Direct Auto | $95 |
| Liberty Mutual | $98 |
| GEICO | $101 |
| Progressive | $106 |
| Safeco | $106 |
| Dairyland | $109 |
| Travelers | $111 |
| Allstate | $120 |
| State Farm | $140 |
Similar to a speeding ticket, a car accident can also increase your insurance premiums. An at-fault accident has a considerable effect on your insurance premiums, causing average rates to increase by 40% nationally, according to Compare.com data.
Greensboro drivers with an at-fault accident pay an average of $131 per month for car insurance. But you can likely get a reasonable deal with some companies. Check out the insurers with the cheapest rates in Greensboro after an accident in the chart below, according to our research.
Company | Average Monthly Premium |
|---|---|
| Erie | $90 |
| Nationwide | $91 |
| GEICO | $101 |
| Liberty Mutual | $102 |
| Direct Auto | $103 |
| Progressive | $111 |
| Safeco | $113 |
| Travelers | $115 |
| Dairyland | $115 |
| Allstate | $124 |
| State Farm | $146 |
Driving under the influence (DUI) is a serious driving violation that results in the highest insurance rate hike. Nationwide, insurance premiums rise by an average of 61% after a DUI, according to our data.
The average rate for someone in Greensboro with a DUI conviction is $245 per month, but you may be able to avoid an expensive rate hike if you choose the right company.
The chart below highlights the cheapest insurers for drivers with DUIs in Greensboro, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Nationwide | $133 |
| Erie | $133 |
| Direct Auto | $150 |
| GEICO | $151 |
| Liberty Mutual | $152 |
| Safeco | $167 |
| Travelers | $168 |
| Dairyland | $172 |
| Allstate | $183 |
| Progressive | $208 |
| State Farm | $217 |
Car insurance companies use your credit history as another factor to gauge your risk. Generally, better credit means you’re less likely to file claims, which can lead to better insurance rates.[6] Our data shows that drivers with poor credit can expect to pay an average of 20% more than drivers with excellent credit.
In Greensboro, the average monthly rate for a driver with poor credit is $115. The good news is that not all companies use your credit history to calculate your rates, and some offer affordable rates regardless of your credit history.
Consider getting quotes from the cheapest companies for drivers with poor credit in Greensboro in the chart below, according to our data.
Company | Average Monthly Premium |
|---|---|
| Nationwide | $80 |
| Liberty Mutual | $89 |
| Direct Auto | $90 |
| GEICO | $91 |
| Erie | $95 |
| Safeco | $96 |
| Progressive | $98 |
| Travelers | $101 |
| Dairyland | $104 |
| Allstate | $110 |
| State Farm | $153 |
There’s no single “best” car insurance company for everyone, but some stand out as top choices for Greensboro drivers. We’ve chosen our three picks for the best car insurance in Greensboro based on average rates, available discounts, customer ratings and reviews, and the coverages they offer in North Carolina. Keep reading to learn more about these companies.
| User Reviews | NR |
|---|
Erie offers Greensboro drivers the best combination of savings and service. The company offers some of the most affordable rates for many North Carolina drivers. Erie also has the best customer satisfaction ranking for the Southeast region in J.D. Power’s 2025 U.S. Auto Insurance Study.
The insurer offers quite a few coverage options that are hard to find elsewhere, but some coverage and discounts aren’t available in North Carolina.
Top-rated customer satisfaction[7]
Large network of local agents
ERIE Rate Lock prevents rates from increasing
Fewer discounts than competitors
No gap coverage
Can’t get a quote or sign up online
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $74/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $139/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.6 | 2.9 |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO offers more discounts than nearly any other insurance company in North Carolina. Its lineup includes savings based on your driving history, education, vehicle, and policy. For example, you can save by bundling your policies or having certain vehicle safety features.
Additionally, the company’s DriveEasy program can help you save money based on your safe driving habits if you let the GEICO Mobile app track your driving.
Many discounts available
Free accident forgiveness after five years
Usage-based insurance available
Below-average customer satisfaction
Few local agents
Doesn’t offer gap insurance
| User Reviews | 4.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $65/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $122/mo |
Nationwide's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 4.0 | 2.9 |
Nationwide has some of the cheapest rates for many North Carolina drivers and offers even more ways to save. For example, it has two different usage-based insurance programs: SmartRide and SmartMiles, where your rates are adjusted based on good driving habits or how many miles you drive, respectively.
The company also offers a unique set of coverages. For example, its accident forgiveness, vanishing deductible, and total loss deductible waiver can all help you save after an accident.
Two usage-based insurance programs
Many unique coverage options
High claims and customer satisfaction
Fewer discounts than many competitors
Discounts and coverages not available in all states
Doesn’t offer rideshare coverage
Local rates start as low as $65 per month.
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No matter where you live, you’ll need to meet minimum coverage requirements for your state. As of July 1, 2025, here’s what North Carolina requires for all drivers:
$50,000 per person in bodily injury liability coverage
$100,000 per accident in bodily injury liability coverage
$50,000 per accident in property damage liability coverage
Uninsured/underinsured motorist coverage matching your liability limits
If you don’t meet the coverage requirements, you could face fines of up to $50 for the first lapse, $100 for the second lapse, $150 for subsequent lapses, and $50 for reinstatement.
Purchasing the state-minimum car insurance is enough to meet legal requirements in Greensboro, but it’s not sufficient for most drivers. A state-minimum policy covers only vehicle damage and injuries you cause to others. It doesn’t cover your own vehicle or medical expenses.
Additionally, most lenders require full coverage if you finance or lease your car. Given the high cost of new vehicles alone — around $48,000 — North Carolina’s minimum coverage limits would fall short in a serious accident.[8] Increasing your liability limits and adding comprehensive and collision coverage can help protect you financially.
Before buying car insurance in Greensboro, check out answers to some of the most common questions people ask about auto insurance.
The average cost of car insurance in Greensboro is $92 per month, according to Compare.com data. Drivers in Greensboro pay an average of $73 for liability-only coverage and $110 for full coverage.
The cheapest auto insurance company in Greensboro is Erie, with an average monthly rate of $65. Remember, the cheapest company for you may differ depending on your unique situation.
No. Greensboro has an average insurance premium of $92 per month, which is slightly higher than the state average, but considerably lower than the national average of $140. Your personal rate in Greensboro will depend on your address, driving record, age, credit history, and more.
While car insurance rates have increased nationwide over the past several years due to inflation and other factors, North Carolina premiums remain below the national average. North Carolina’s rates are more expensive due to a recent increase in the state’s minimum coverage requirements from 30/60/25 to 50/100/50 as of July 2025.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.