Find Car Insurance in Greensboro, North Carolina

What You Should Know About Car Insurance in Greensboro, NC

Greensboro combines rich history with modern charm, playing a key role in the Civil War and Civil Rights Movement, especially with the 1960 sit-ins. Today, it’s known for its arts, food, and parks.

Driving is easy with roads like I-40 and I-85, though traffic can be heavy during rush hour. There’s plenty of parking downtown and the city is home to North Carolina State University and Wake Technical Community College. Attractions include the North Carolina State Fair, Pullen Park, the Museum of Natural Sciences, and William B. Umstead State Park.

North Carolina requires liability car insurance, including liability and uninsured motorist coverage, to protect you financially in case of an accident. Speak to an expert InsureOne agent to help you find the best auto insurance in North Carolina at the best price in North Carolina and come check out everything Greensboro has to offer.

How Much Does Car Insurance Cost in Greensboro, North Carolina?

While your rate will depend on many different details related to you and your vehicle, the average annual cost of car insurance in Greensboro is $456 for minimum liability coverage and $1,392 for a full coverage policy. These numbers are much less than the national averages of $622 for minimum liability and $2,014 for full coverage.

What Does It Mean If North Carolina Is an At-Fault State?

Being an at-fault state means the driver who causes the accident is responsible for paying for the damages. So, if you’re in an accident and it’s someone else’s fault, their insurance should cover things like car repairs and medical bills.

If you’re the one at fault, your own insurance will typically cover the costs of other drivers and their passengers – up to your policy limits. If you’re not at fault, you can file a claim with the at-fault driver’s insurance. Having the right car insurance is important to protect yourself in case of an accident.

Affordable Car Insurance Rates Comparison by Cities in North Carolina

Where you live in North Carolina can have a big impact on your car insurance rates. Generally, areas with higher populations tend to have higher rates due to more traffic and a greater chance of accidents. On the other hand, places like Apex, with lower population density, typically see lower rates. Check out the table below to see how different areas compare.

City	Full Coverage Insurance	Liability Insurance Coverage
Greensboro	$105	$35
Apex	$95	$32
Wilmington	$109	$37
Durham	$96	$30
Raleigh	$105	$35

How Bundling Your Car and Homeowners Insurance Can Save You Money in Greensboro

Bundling your insurance policies, like home and auto, can be one of the easiest and most effective ways to save money while simplifying your coverage. If you own both a home and a car, asking your InsureOne agent about bundling your auto and home insurance is a smart move. Not only does it make managing your policies more convenient, but it can also lead to significant savings. Here’s how bundling can work for you:

• Streamlined Process: One vendor means less hassle with personal information and bill management.
• Discounts: You could save up to 25% on both home and auto insurance when you bundle.
• Convenience: No extra effort on your part – bundling is simple and straightforward.
• Personalized Service: InsureOne agents shop around for the best rates, offering a package tailored to your needs and the best prices in North Carolina.

What Types of Car Insurance Discounts Are Available in Greensboro?

If you’re expecting to pay a certain rate for your car insurance and think it’s too high, think again. There are often ways to lower your premiums, from bundling policies to qualifying for discounts based on your driving habits, vehicle, or even your student status. Here are some of the typical discounts that many insurers offer:

• Paperless billing discount
• Safety feature discount
• Paid-in-full discount
• Military discount
• Auto-pay discount

Notable Car Insurance Laws in Greensboro

Like all other cities in North Carolina, Greensboro follows the rules set by the state. This includes a 35-mph speed limit inside the city, a 55-mph speed limit on highways unless posted differently and headlights on from sunset to sunrise.

What Are the Mandatory Car Insurance Requirements in Greensboro?

Every state has its own requirements for the minimum car insurance coverage. In North Carolina, if you’re driving a vehicle, your insurance policy must meet the following minimum coverage standards:

• Liability coverage of $30,000 for bodily injury per person
• Liability coverage of $60,000 liability coverage for bodily injury per accident
• Liability coverage of $25,000 for property damage
• Uninsured motorist coverage to the limits established by liability

Uninsured motorist coverage will protect you financially if you are injured or need vehicle repairs after a wreck caused by a driver with no insurance.

What Is the Penalty for Driving Without Insurance in Greensboro?

Driving without insurance in Greensboro can lead to serious penalties. North Carolina law requires all drivers to carry liability insurance, and if you’re caught without it, you could face:

• $50 for a first offense
• $100 for a second offense
• $150 for a third offense and afterward
• $50 restoration fee
• Possible revocation of vehicle registration
• Class 3 misdemeanor with potential jail time or probation

Do Greensboro-Specific Laws Play a Role in Determining Your Insurance Premiums?

While gender, age, and education level are common factors, North Carolina gives insurers the flexibility to use several other details when determining your premiums. Here are some key factors underwriters will assess:

• Driving experience: The more experience you have, the less you will pay because you are assumed to be a better driver.
• The cost of your vehicle: More expensive vehicles are more costly for insurers to replace and will cost you more to insure.
• Loss probability: Each vehicle type has its own theft and accident rates, which helps insurers determine the likelihood of having to replace your vehicle.
• Claims history: If you have filed claims in the past, your insurer may deem you more likely to file a claim in the future and might charge you more for coverage.
• Mileage: The more you drive your car, the more likely you are to get into an accident, and the more your insurer will charge you.

Typical Driving Conditions in Greensboro

Driving in Greensboro is generally pretty easy, but there are a few things to keep in mind. The weather can have an impact, especially in winter when occasional snow and ice can make roads slippery. Summers tend to be hot and humid, with some thunderstorms that can make the roads wet.

Traffic isn’t as heavy as in bigger cities, but you can still run into congestion during rush hours, especially on major highways like I-40 and I-85 or around shopping areas and downtown. Construction zones are also something to be aware of, as roadwork can cause delays or detours. As the city grows, pedestrian traffic, especially downtown, is becoming more common, so it’s always good to be alert.

Roads are generally in good shape, though winter weather can occasionally cause some issues. All in all, driving in Greensboro is fairly straightforward, but staying cautious during certain conditions—like bad weather or busy traffic—is always a good idea

How Many Car Accidents Happen in Greensboro Per Year?

The North Carolina Department of Transportation keeps meticulous records of car accidents by city. The following are statistics for Greensboro and some of the cities in its proximity, including traffic fatalities:

City	Total Crashes
Greensboro	87
Lincoln	14
Moore	19
Johnston	18
Nash	25

How Many Uninsured/Underinsured Motorists Are in Greensboro?

The Insurance Information Institute reports that 10.3% of drivers in North Carolina were uninsured in 2022. While the city mandates a basic level of uninsured/underinsured motorist coverage, it might be worth considering additional coverage beyond the minimum, given the number of drivers without sufficient insurance.