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Best Car Insurance in Greensboro, NC

Find the best providers and coverage in North Carolina’s Gate City.

Best Cheap Auto Insurance in Greensboro
State Farm Logo

Not only does State Farm offer the cheapest auto insurance in Greensboro at ($927 average annually), it’s one of the largest and most reliable insurance providers available to drivers.

Best Auto Insurance for Farmers in Greensboro
North Carolina Farm Bureau Logo

North Carolina Farm Bureau offers rates as low as $1,054 for drivers and farmers in Greensboro. If you have farming vehicles or equipment across the county’s 854 farms, North Carolina Farm Bureau is a great place to start your insurance search.2

Best for Drivers With a History of Accidents in Greensboro
Farmers Logo

Farmers offers cheap rates, additional coverage for damaged parts, and discounts for drivers after an accident.

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Our Commitment to You: At, our mission is to help you make smarter auto insurance decisions with confidence. We follow a strict editorial policy to ensure the accuracy of information presented is rooted in data and vetted by thousands of hours of research. While we may earn compensation from our partners, this does not influence our assessments and recommendations. Learn more about how we make money.

In August 2023, North Carolina Commissioner of Insurance Mike Causey announced a settlement with the North Carolina Rate Bureau that allows car insurance companies to increase their rates by 9 percent over the next two years: 4.5 percent by the end of 2023 and an additional 4.5 percent in 2024.1 The rate increase is significantly lower than what the Rate Bureau originally requested (28.4 percent) and will save North Carolinians about $1.6 billion in car insurance costs over the next two years.

Although the settlement is good news for drivers in the state, it still means you’re likely to see your car insurance rates increase to some extent over the next two years. However, with the right strategies, you can still get quality coverage at an affordable price. We designed this guide for drivers in Greensboro based on age, cheapest average rates, driving record, occupation, and more. Read on to learn how to cut costs and find quality coverage in Greensboro.

How much is car insurance in Greensboro compared to other major North Carolina cities?

On average, car insurance companies charge $1,168 annually in Greensboro, which is midpack compared to other major cities in North Carolina. Here’s how car insurance in Greensboro stacks up:

City Monthly average premium Annual average premium
Wilmington $92 $1,111
High Point $95 $1,136
Greensboro $97 $1,168
Raleigh $98 $1,171
Fayetteville $108 $1,294
Charlotte $123 $1,476

Comparison of the Best Auto Insurance Companies in Greensboro, NC

Feature State Farm North Carolina Farm Bureau Farmers Nationwide National General
Average annual rate in Greensboro $937 $1,054 $1,786 $1,033 $1,326
Regional J.D. Power Customer Satisfaction Index score (average is 839 out of 1,000)3 847 842 807 834 812
Best for Cheap rates Farmers Drivers with a history of accidents Teen drivers People with a DWI on their record
Student discount Yes Yes Yes Yes Yes

Summary of the Best Auto Insurance Companies in Greensboro, NC

  1. 1.

    Best Cheap Auto Insurance in Greensboro: State Farm

  2. 2.

    Best Auto Insurance for Farmers in Greensboro: North Carolina Farm Bureau

  3. 3.

    Best for Drivers With a History of Accidents in Greensboro: Farmers

  4. 4.

    Best Auto Insurance for Teens in Greensboro: Nationwide

  5. 5.

    Cheapest for Drivers With a DWI in Greensboro: National General

Detailed List of the Best Auto Insurance in Greensboro, North Carolina

1. Best Cheap Auto Insurance in Greensboro - State Farm

What We Like Most:

  • Multiple discounts for safe driving, including one specifically for young drivers
  • Local agents
  • Discounts for multiple cars

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.

ProsWho It's Best For
  • pro
    People looking for the cheapest option
  • pro
    Safe drivers
  • pro
    Young drivers
  • pro
    People who want to bundle policies
ConsWho It's Not Best For
  • con
    People who lease or finance their vehicles (no gap insurance)
  • con
    Someone with a DWI on their record

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.

Company Monthly average premium in Greensboro Annual average premium in Greensboro
State Farm $78 $937
Nationwide $86 $1,033
North Carolina Farm Bureau $88 $1,054
GEICO $99 $1,193
National General $111 $1,326
Progressive $121 $1,449
Farmers $149 $1,786

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

Startling Statistics:

Between 2020 and 2022, North Carolina documented 16,049 animal crashes that resulted in nearly $51 million of damages, 743 injuries, and five deaths.

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.

2. Best Auto Insurance for Farmers in Greensboro - North Carolina Farm Bureau
North Carolina Farm Bureau Logo

What We Like Most:

  • Extra insurance for farming vehicles and equipment
  • Affordable rates
  • Farm Bureau membership benefits

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.

ProsWho It's Best For
  • pro
  • pro
    Drivers of Ford trucks
  • pro
    People in their 20s
  • pro
    People who want to bundle policies
ConsWho It's Not Best For
  • con
    Teen drivers
  • con
    Customers who want more digital tools

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

Did You Know?

With 322 crashes, Guilford County experienced the third-highest number of tractor-truck crashes in 2021 in North Carolina. Out of those tractor-truck crashes, the county recorded 89 injuries and four fatalities.7

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.

3. Best for Drivers With a History of Accidents in Greensboro - Farmers

What We Like Most:

  • Keeps rates low after one accident
  • Rental coverage available if your car is out of commission
  • More coverage options for damaged parts

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.

ProsWho It's Best For
  • pro
    People with a history of accidents
  • pro
    People with custom parts
  • pro
    New-car owners
  • pro
    Business owners
ConsWho It's Not Best For
  • con
    People looking for the cheapest option
  • con
    People who want gap insurance

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:

Discount Requirement
Signal program Signal is Farmers’ safety driving program. Farmers will track your driving and score you based on how safe you drive; the safer you drive, the more you can save.
Affinity group Affinity group members, such as military members or employees of Affinity group jobs, may be eligible for a discount.
Mature defensive driver You can earn a discount if you’re over the age of 55 and have completed a safe driver course in the past five years.
Multiline discount Bundle auto insurance with another policy, like home or life, to qualify for this discount.
Homing device Earn a discount when you install a Farmers-approved homing device to track and locate your stolen vehicle.
4. Best Auto Insurance for Teens in Greensboro - Nationwide

What We Like Most:

  • Discounts for taking a defensive driver course
  • Network of local agents
  • Usage-based insurance program for low-mileage drivers

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.


In 2021, teens were involved in 2,564 out of the 13,849 crashes in Greensboro, which is nearly 20 percent of all crashes. People under the age of 18, including those too young to drive, make up 20 percent of the city’s entire population, which means teens are getting into accidents at a much higher rate relative to their population.8

ProsWho It's Best For
  • pro
    Teens looking for cheaper rates
  • pro
    People with bad credit
  • pro
    Teens with parents who are Nationwide customers
  • pro
    People who want pay-per-mile insurance
ConsWho It's Not Best For
  • con
    People who need rideshare coverage
  • con
    Someone with an accident on their record

Great Rates for Teens

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

Company Monthly average premium for teen drivers in Greensboro Annual average premium for teen drivers in Greensboro
Nationwide $208 $2,493
State Farm $211 $2,534
Progressive $345 $4,138
Allstate $561 $6,731
GEICO $576 $6,910

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.

Discount Requirement
SmartRide program Similar to Farmers’ Signal, Nationwide offers SmartRide, a usage-based program that will determine your premium based on your driving habits.
Accident-free discount If you go without an accident for three years, you’ll qualify for this discount.
Safe driver discount Nationwide drivers who go five years without an accident or moving violation are eligible for this discount.
Good student discount High school and college students can save on car insurance if they have a B average or higher.

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.

5. Cheapest for Drivers With a DWI in Greensboro - National General
National General Logo 2023

What We Like Most:

  • Personal and commercial policies available
  • Lower rates for good drivers with DynamicDrive app
  • Report claims, and get reimbursed, within 48 hours

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.

ProsWho It's Best For
  • pro
    Someone with a DWI on their record
  • pro
    Low-mileage drivers
  • pro
    People with a bad driving record
  • pro
    People who need an SR-22
ConsWho It's Not Best For
  • con
    Drivers with a clean 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.

Company Monthly average premium Annual average premium
National General $119 $1,430
Nationwide $130 $1,562
State Farm $144 $1,728
Progressive $229 $2,753
GEICO $252 $3,018
Allstate $346 $4,149


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.

Frequently Asked Questions

Which car insurance companies are available in Greensboro, NC?

Most of the large auto insurance providers, along with a few smaller and midsize companies, are available in Greensboro.

Here are a few notable names:

  • State Farm
  • North Carolina Farm Bureau
  • Farmers
  • Nationwide
  • Erie
  • Progressive
  • Allstate
  • National General
  • USAA
  • Travelers
  • Liberty Mutual
  • Direct Auto

What’s the fault law in North Carolina?

North Carolina is an at-fault state with a pure contributory negligence rule. Pure contributory negligence means if you’re any percentage at fault in an accident (even just 1 percent), you will be barred from receiving any compensation from the other party.

If I’m going to college in another state, will my North Carolina policy cover me?

Yes. Your coverage will still apply if you move out of state. However, your provider may adjust your premium.

Which provider has the most expensive rates in Greensboro, NC?

With rates as high as $2,600 on average for full coverage, Allstate is the most expensive auto insurance provider in Greensboro.


We leveraged information and data from state and federal sources, local organizations in Greensboro, third-party reviews, and information from providers to tailor our list to residents in Greensboro. By matching the most common types of drivers in Greensboro with the best rates, coverages, and benefits, our list will provide you with several ways to find quality insurance at an affordable rate.

  • Third-party reviews: Nonprofits, financial institutions, and consumer intelligence platforms provided us with the bulk of third-party insights on the auto insurance industry. J.D. Power, AM Best, and S&P Global are a few of the organizations we consulted to find the most financially stable and customer-oriented providers.
  • Proprietary data: By matching customers with the best providers, we’ve collected millions of data points over the past 20 years about what makes certain car insurance companies more successful than others. We leverage that data to give you insights into which Greensboro providers will give you the best deals based on your age, driving record, marital status, insurance needs, location, and more.
  • Institutional knowledge: Paul Ford, president of insurance at Centerfield,’s parent company, helps guide us to make better, more informed, and more insightful guides and recommendations. Paul’s experience in the insurance industry enables us to offer readers what they need most: practical guides on how to find quality insurance at affordable rates.


  1. 2022 North Carolina Agricultural Statistics. North Carolina Department of Agriculture & Consumer Services. (2024).

  2. Commissioner Causey negotiates settlement on automobile insurance rates. North Carolina Department of Insurance. (2023, Aug 8).

  3. Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds. J.D. Power. (2023, Jun 13).

  4. 2022 Market Share Reports For Property/Casualty Groups and Companies by State and Countrywide. National Association of Insurance Commissioners. (2023, Sep).

  5. Does Greensboro have Wind Risk? Risk Factor. (2024).

  6. Avoiding Collisions with Deer. North Carolina Department of Transportation. (2024).

  7. North Carolina 2021 Traffic Crash Facts. Roy Cooper, Governor, State of North Carolina. (2021).

  8. QuickFacts: Greensboro city, North Carolina; North Carolina; United States. United States Census Bureau. (2022).,NC,US/INC110221

  9. Alcohol-Impaired Driving. National Highway and Traffic Safety Administration. (2018, Nov).