One of the more important factors that help determine the annual cost of car insurance is where you choose to live. Cities with more crime and/or more people are more likely to pay higher prices, whereas areas with less crime or weather claims have the luxury of cheap car insurance rates.
The information below lists the highest-priced places in North Carolina for uninsured drivers to buy car insurance in. Greensboro shows up at #5 with a yearly premium of $779 for car insurance, which is approximately $65 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Fayetteville | $932 |
| 2 | Jacksonville | $873 |
| 3 | Charlotte | $808 |
| 4 | Wilmington | $788 |
| 5 | Greensboro | $779 |
| 6 | Gastonia | $779 |
| 7 | Durham | $773 |
| 8 | Cary | $765 |
| 9 | Huntersville | $764 |
| 10 | Raleigh | $744 |
| 11 | Goldsboro | $743 |
| 12 | Rocky Mount | $740 |
| 13 | Apex | $739 |
| 14 | High Point | $731 |
| 15 | Greenville | $730 |
| 16 | Wilson | $724 |
| 17 | Indian Trail | $723 |
| 18 | Chapel Hill | $717 |
| 19 | Hickory | $711 |
| 20 | Winston Salem | $695 |
| 21 | Burlington | $692 |
| 22 | Salisbury | $684 |
| 23 | Asheville | $681 |
| 24 | Concord | $676 |
| 25 | Kannapolis | $669 |
| Compare Rates Now Go | ||
Rate information is approximated as the vehicle garaging location can modify prices substantially.
The vehicle model driven is a large factor when comparing low-cost auto insurance for uninsured drivers. Vehicles with average performance, good crash test ratings, or a low likelihood of having liability claims will cost less to insure than higher performance models.
The table below features insurance premiums for a selection of the most cost-effective vehicles to buy coverage for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Ford Edge SEL 2WD | $1,275 |
| Ford Focus S 4-Dr Sedan | $1,284 |
| Ford Explorer Eddie Bauer AWD | $1,325 |
| Toyota Tacoma Double Cab 4WD | $1,335 |
| Ford F-150 Lariat Super Cab 2WD | $1,325 |
| Dodge Ram Quad Cab ST 2WD | $1,327 |
| Honda Civic EX 4-Dr Sedan | $1,341 |
| Honda CR-V LX 2WD | $1,346 |
| Honda Odyssey EX-L W/Navigation | $1,367 |
| Toyota Corolla LE | $1,373 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,367 |
| Ford Escape Limited 2WD | $1,377 |
| GMC Sierra SLT Extended Cab 2WD | $1,391 |
| Chevrolet Silverado LS Crew Cab 4WD | $1,399 |
| Toyota Prius | $1,394 |
| Chevrolet Silverado 3500HD LTZ Crew Cab 2WD | $1,441 |
| GMC Sierra 2500HD SLT Crew Cab 4WD | $1,458 |
| Compare Rates Now Go | |
Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium amounts do not factor in vehicle garaging location which can influence premiums greatly.
By looking at the data, you can infer that cars like the Ford Edge, Ford Focus, Ford Explorer, and Toyota Tacoma are most likely going to be the cheapest vehicles to insure for drivers with no prior coverage.
The chart below illustrates how your deductible choice can affect premium costs when searching for cheap insurance for uninsured drivers. The price estimates are based on a single male driver, full coverage, and no policy discounts are applied.
The chart above illustrates that a 30-year-old driver could pocket $230 a year by increasing from a $100 deductible up to a $500 deductible, or save $348 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old, could drop their prices $670 or more just by choosing larger deductibles. When using a larger deductible, it will be necessary to have emergency funds available to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
How to find a good Greensboro auto insurance company
Picking the right company can be a challenge considering how many companies there are to choose from in North Carolina. The company ratings displayed below may help you choose which coverage providers to look at when shopping around.
The ratings below are only comprised of major nationwide insurance companies, so smaller regional companies are not taken into consideration for the list. To compare rates from these companies and more, follow this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Bad driving habits will cost you more
In a perfect world, the best way to earn good auto insurance rates in North Carolina for drivers with no prior coverage is to drive attentively and avoid traffic citations and accidents. The information below shows how violations and at-fault collisions impact insurance premiums for different age groups of insureds. The data is based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
The data in the chart shows the average cost of a car insurance policy in North Carolina per year with no accidents or violations is $1,496. Receive two speeding tickets and the average cost surges to $2,063, an increase of $568 each year. Next add two accidents along with the two speeding tickets and the yearly cost of auto insurance for uninsured drivers jumps again to an average of $4,181. That’s an increase of $2,686, or $224 per month, just for not being attentive to the road!
Here’s why you should shop around
Greensboro auto insurance rates are impacted by many factors that will increase or decrease your annual premium. Improving your credit score, increasing liability limits, or getting a few speeding tickets may cause policy rate changes that can make some companies cheaper in comparison to the competition. Not only may your risk profile change, but companies file new rates as needed to reflect underwriting profits or losses. Heavy losses can result in rate increases, while better underwriting can result in more affordable Greensboro car insurance rates.
The bar chart below shows rates for the cheapest car insurance in Greensboro, NC for a 45-year-old male driver with a good driving record, no prior claims, and good financial standing. When quoting prices based on his personal profile, Utica National may offer the best car insurance rates in Greensboro at $779 each year. This is $93 less than the average premium paid by North Carolina drivers of $872. Progressive, Liberty Mutual, Penn National, and GEICO round out the rest of the most affordable Greensboro, NC auto insurance companies.
The example below compares rates after we give the driver from the first set of rates an accident claim, bad credit, and a couple of points charged on his driving record. Due to the fact that every auto insurer uses their own method for determining prices, comparing insurance quotes could now result in a substantially altered list of affordable companies as shown below.
State Farm now has the cheapest car insurance in Greensboro with Titan, Auto-Owners, National General, and Erie completing the list. This example demonstrates why consumers need to take the time to shop around to get the most affordable auto insurance quotes for uninsured drivers.
Prices are determined by many different factors and change dramatically, so the best option when you last compared rates may now be one of the higher cost companies.
If you have coverage questions and would like to have a consultation when comparing insurance rates for drivers with no prior coverage, the agencies below can most likely help you decide which car insurance policy is best. To find a Greensboro insurance agency in your neighborhood, click the link at the bottom.
- Allstate Insurance: Terrence Williams
2109 New Garden Rd D – Greensboro, NC 27410 – (336) 282-0461 - Drew Baker – State Farm Insurance Agent
608 Pisgah Church Rd – Greensboro, NC 27455 – (336) 288-8802 - Hix Insurance Center
924 E Bessemer Ave – Greensboro, NC 27405 – (336) 272-7168 - TOM NEEDHAM INSURANCE AGENCY
3411-B W Wendover Ave – Greensboro, NC 27407 – (336) 855-1223