Car Insurance in Greensboro

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State...

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UPDATED: Oct 17, 2016

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Here's what you need to know...

  • Greensboro, North Carolina, has kept lower than average annual car insurance rates thanks to North Carolina’s strict enforcement of insurance laws
  • Only 7 states have lower annual average car insurance premiums
  • Greensboro has a colorful history and a diverse demographic
  • Comparing rates in Greensboro using the rate quote tool on this page is a great way to get started finding the insurance that is right for your individual situation

Located in central North Carolina, Greensboro’s population was 269,666 at the time of the 2010 census with an estimated 282,586 in 2014. Many of its population need car insurance.

Greensboro represents one of the pieces of the triangle formed by Greensboro, Winston-Salem, and High Point, in an area locally referred to as the Triad region of North Carolina.

The Triad’s combined population is 1.6 million, so Greensboro likely has much more traffic than other cities of nearly 300,000 people.

To increase traffic even more than the proximity of the three cities is the fact that a major Interstate highway transverses two of them, Greensboro and Winston-Salem. Another Interstate splits off of I-40 in Greensboro to go south through High Point.

Drivers of North Carolina should take the time to read our Car Insurance Guide to find tips for finding car insurance!

If you are a Greensboro driver, enter your ZIP code and begin comparing car insurance with our free quote tool!

Greensboro Requirements for Car Insurance

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As of January 1, 2009, North Carolina’s minimum requirements increased to 30/60/25, which translates to:

  • $30,000 per-person liability per accident
  • $60,000 total liability coverage per accident, equating to two individuals at the maximum of $30,000 each, or a greater number of individuals at lower liability totals
  • $25,000 property damage coverage per accident

Greensboro car insurance agents encourage individuals to carry much more than minimum liability coverage, and many drivers opt to add:

None of those items are required by North Carolina laws, but the 30/60/25 coverage is. Check out the North Carolina DMV to ensure all your car insurance requirements are up to date!

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Greensboro Car Insurance Laws

For decades, North Carolina has been very strict about its car insurance laws. Though state residents complain about that from time to time, this enforcement has kept car insurance premiums lower than those of surrounding states for decades.

As the case in other states, car insurance laws are established at the state level but often are enforced at the local level.

In North Carolina, state and local areas are much more likely to work together than are some states.

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Greensboro Car Insurance Companies

All car insurance companies licensed to operate in the state of North Carolina maintain physical offices in Greensboro unless they operate solely online.

Most of the leading online-only car insurance companies are licensed to operate within North Carolina. These companies may or may not maintain a physical presence in any specific city.

Where they don’t have a physical presence, these out of town car insurance companies may only use contractors within the state of North Carolina.

Greensboro Car Insurance Agencies

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Greensboro currently has approximately 80 car insurance agents. Most of these agents are affiliated with specific — and individual — companies, but others are not and choose to represent two or more companies as independent agents.

Independent agents are not obligated to any specific car insurance company, but they also may not be as familiar with money-saving nuances of each individual insurance company.

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Average Greensboro Car Insurance Rates

In decades past, North Carolina was notorious among car insurance companies for not allowing any high-rate premiums.

Only seven states — Wisconsin, Kansas, Idaho, Nebraska, South Dakota, Iowa and North Dakota — have lower annual average premium rates than does North Carolina.

North Carolina’s average rates hold at $625, as it maintains the 44th place among the states in terms of annual car insurance premiums.

Greensboro Driving and Car Insurance Statistics

  • In 2013, there were 55 fatalities in car accidents in Guilford County, which is where Greensboro is located.
  • In the same county, there were 2,380 crashes involving teen drivers in 2013.
  • In Greensboro, in 2013, there were 390 alcohol-related crashes.

Accident statistics are great to look at when comparing car insurance!

There is not a clear-cut answer as to why alcohol-related accidents are increasing, though local authors attempt to link that increase to increased unemployment.

Whether that link is statistically sound or not remains to be seen, but there is no disputing that alcohol-related accidents in Greensboro are increasing.

This fact alone is enough to drive car insurance companies to increase their premium rates to the highest level allowed by the state government. DUI laws vary by state, and everyone should know their state specific DUI laws.

If one is convicted of a DUI, one should compare SR22 car insurance!

Greensboro Information

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Greensboro was founded in 1781 and named for Revolutionary War officer Major General Nathanael Greene.

The early Greensborough, as it was known until 1895, was a trading center and a primary crossroads linking north-south and east-west travel and trade.

The city developed slowly, however, owing much of its growth to the processing of cotton that was grown all around the boundaries of the city.

Most of central North Carolina saw a great deal of activity during the Civil War, and Greensboro was near the center of that activity. The capital of the Confederacy was in Greensboro for a short time. Greensboro also served as the capital of North Carolina in 1865.

The city seemed to be unassuming in matters of social justice, but in 1960, things began to change. On February 1, four black students from a local university walked into and sat at a Woolworth’s lunch counter. The original counter is in the Smithsonian.

Greensboro was the site of race riots in 1969.

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Greensboro Economy and Demographics

Today, Greensboro remains prosperous, though its prosperity rests primarily on services rather than on tangible goods as in the past. Prosperity also is a relative term.

In 2013, the median household income was only $41,150, well under the state average and far below the national average. Greensboro’s cost of living index is 92.8, compared to the national average set to equal 100.

As is the case in most of North Carolina’s cities, there is not much difference between the numbers of white and black citizens. At the time of the 2010 census, Greensboro’s ethnic and racial composition was:

  • 46.8 percent White
  • 39.1 percent Black
  • 7.6 percent Hispanic
  • 4.2 percent Asian

Compare Greensboro Car Insurance Quotes Today

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It is wise to compare car insurance quotes on a periodically. Individuals’ conditions and circumstances change, and so do those of the insurance industry. This is true on the national, state and local levels.

Local crime rates directly affect premium rates, as do local highway safety statistics. Those rates change, and the algorithms on which car insurance premium rates change with it. Thus, the individual needs to compare premium rate quotes on a regular basis.

Virtually all companies now recognize that it is far less costly to retain existing customers than it is to attract new ones.

Most car insurance companies will opt to meet competitors’ rate quotes rather than to lose a customer to a lower-priced competitor.

In most cases, customers should seek out competing rate quotes every year or so.

That length of time is long enough that the individual is not checking too often and short enough that competing companies can attribute premium rate changes to changing local conditions or changing strategy on the part of one or more competitors.

Either way, the customer wins. Compare car insurance companies that are offering cheap car insurance with our ZIP code search!

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