Best Car Insurance in Greensboro, NC

According to the National Association of Insurance Commissioners, State Farm insures more drivers than any other provider in North Carolina.⁴ It’s also the cheapest option for drivers in Greensboro and our top pick if you’re looking for the most affordable rate. With over 100 years of experience covering drivers, dozens of agents in the city, and a wide range of car insurance discounts, State Farm is a great choice for drivers in Greensboro.

Cheapest Average Rates

If you’re seeking the most affordable car insurance rates in Greensboro, look no further. Greensboro offers the cheapest rates on average.

Sizable Savings

State Farm offers several discounts for the variety of drivers in Greensboro. Whether you’re looking for a usage-based discount, safe driver discount, or multiline discount, State Farm has a number of options to choose from.

• Accident-free discount: Drive three years without an at-fault accident, and you’ll qualify for a discount, which may increase the longer you go without an accident.
• Airbag discount: You’ll receive a discount if your vehicle is equipped with a factory-installed airbag.
• Drive Safe & Save: Sign up for State Farm’s usage-based insurance, and you can earn up to 30 percent off your insurance by demonstrating safe driving habits.
• Good driving discount: If all drivers in your household have been accident-free and moving violation-free in the past three years, you could earn this discount.
• Multiline discount: Bundle your auto insurance with home, renters, condo, life, or health insurance to qualify for this discount.

Affordable Full Coverage

State Farm is the most affordable provider even with full coverage, which is particularly important in Greensboro. Drivers in Greensboro are at risk of damage from tropical storms, high winds, flooding, and animal collisions — none of which is covered with minimum liability.⁵ In fact, Guilford County, where Greensboro is located, has the second-highest number of animal crashes (1,849 between 2020 and 2022) in North Carolina.⁶

Getting full coverage, which includes medical payments, uninsured/underinsured motorist, comprehensive, and collision, will help protect your vehicles from losses due to natural disasters, theft, animal crashes, falling trees, and other damages. It will also help to pay for medical expenses for you and your passengers if you’re at fault in an accident, and cover damages if you get into an accident with a driver who doesn’t have any or enough insurance.

The North Carolina Farm Bureau is the third-most-affordable provider on our list and our top choice for farmers in Greensboro. Farming accounts for more than 11 percent of Guilford County’s employment, including over 1,300 individuals who work on farms in the area. While the NC Farm Bureau is our top pick for farmers looking for specialized farm auto insurance, it still offers great rates to young drivers, membership perks, and other coverage options.

Insurance Made for Farmers

While the North Carolina Farm Bureau does offer insurance for all types of drivers, its name is not all for naught. The Bureau has been offering farm insurance and advocating for farmers since 1936.

Here’s what its specialized farmer insurance covers:

• Customizable agricultural insurance for farms of all sizes
• Livestock revenue insurance
• Farm or ranch liability coverage
• Crop insurance
• Farm vehicle insurance
• Equine insurance

Membership Benefits

North Carolina Farm Bureau memberships, which cost $25 per year, come with a number of great benefits for customers. With a membership, you get the following perks:

• $500 cash reward on the purchase or lease of select new Ford trucks
• 20 percent off rentals with Budget Truck Rental
• Nearly $3,000 savings on eligible Cat machines from Caterpillar
• Discounts on John Deere equipment, parts, and merchandise
• Travel and entertainment discounts, including 20 percent off over 7,000 hotels
• Health and wellness discounts
• Financial service perks, like competitive loan and credit card services

Local Agents

North Carolina Farm Bureau prides itself on having local agents in every county across the state. While you may not find as many digital or mobile app features as some of the big providers, you will find personable and service-oriented agents who can work with you to find the insurance you need.

There’s a good chance your auto insurance rates will increase after an at-fault accident. The average premium increase after an accident is around 44 percent in Greensboro, which is about a $500 increase. Farmers offers a number of great discounts and coverage options to help keep your rates low and your vehicle protected after an accident.

Great Coverage for Accidents

If you have a history of accidents, it might be wise to get some additional protection for your vehicle as a preemptive measure. Farmers offers several great coverage options in the event that you get into an accident.

Here’s some additional coverage you can get with Farmers:

• Customized equipment coverage for specialty parts or aftermarket vehicle equipment, like a custom exhaust system
• Glass deductible payback for windshield and glass repairs
• Original equipment manufacturer (OEM) coverage, which will guarantee factory original parts for repairs or replacements
• New-car replacement coverage that will replace your new vehicle with a brand-new car of the same make and model

Accident Forgiveness

Once three years have passed since your last at-fault accident, you can sign up for Farmers optional accident forgiveness coverage (this is a shorter waiting period than some other providers, which require five years accident-free). Accident forgiveness ensures your insurance rates won’t increase if you get into one at-fault accident. Keep in mind that Farmers will forgive only one accident every three years.

More Ways to Save

Farmers offers several discounts that can help you mitigate the likely premium increases that come with an at-fault accident. Here are a few discounts you can take advantage of, even with an accident on your record:

On average, teens pay more for car insurance than any other age group because they’re more likely to get into an accident or file for a claim. If you’re a teen driver or parent of one, look to Nationwide for its affordable average rates for teens, safety discounts, and reliable coverage.

Great Rates for Teens

Nationwide offers the best rates for teens in Greensboro. Here’s what its rates look like compared to competitors:

Improve Your Driving and Save

It’s important for both parents and teens that your provider offers safe driver incentives. Not only will safe driving opportunities keep you safer on the road, but they’ll also help keep costs down.

Here are a few discounts that will help you or your teen drive safer on the road.

Vanishing Deductible

One way to lower the cost of auto insurance for teens is to choose a higher deductible. But the higher your deductible, the more you’ll pay out of pocket in the event of an accident. Nationwide offers a vanishing deductible feature as an optional add-on to your policy. For each year you drive without an accident, you reduce your deductible by $100, up to $500. That means if your deductible is $500 or less to begin with, you can eliminate your deductible entirely.

North Carolina has some of the highest DWI arrests and alcohol-related fatality rates in the country. North Carolina has about four alcohol-related crash fatalities and 295 DWI-related arrests per 100,000 people, which places it among the 15 worst states for drinking and driving.⁹

If you already have a DWI, it might be hard to find affordable insurance or a provider willing to accept your application. That’s where National General is different; National General specializes in high-risk auto insurance for drivers with a bad record, including individuals with a DWI on their record.

Affordable Rates After a DWI

North Carolina has some of the highest insurance rate increases after a DWI. Depending on the provider, car insurance rates can increase by up to 300 percent. National General offers the most affordable rates to drivers with a DWI in Greensboro. Here’s how it compares to other major providers in the city.

SR-22

If you’ve gotten into a DWI recently, you may need an SR-22 to drive legally. An SR-22 is a certificate that states your auto insurance plan meets the minimum liability coverage required by the state. Not all providers offer SR-22s, but National General will file and process your certificate on your behalf if you need one.

Lifetime Repair Guarantee for Collisions

National General comes with a lifetime repair guarantee on collisions. If you incur damages from a vehicle collision or hit a stationary object, you can repair your car at any of National General’s Gold Medal Repair facilities for the lifetime of your vehicle.