For a 40-year-old driver with a clean record, Greensboro car insurance averages about $159 a month ($1,908 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 3% above the North Carolina average of $154 a month. Progressive and State Farm are effectively tied for the lowest full-coverage average among the insurers we rank, at about $97 and $98 a month.
Greensboro costs a little more than the North Carolina average for our benchmark driver, about $5 a month more, and about $19 a month less than Charlotte.
Our data covers nine ZIP codes with a Greensboro mailing address, from about $148 a month in 27408 and 27455 to $170 in 27401.
Cost data comes from the auto rates insurers file with state regulators, priced across all nine Greensboro ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 1, 2026.
How Much Is Car Insurance in Greensboro, NC?
Full coverage in Greensboro averages $1,908 a year, or about $159 a month, for our benchmark driver. Liability-only coverage at 30/60/25 limits averages $683 a year ($57 a month), and 50/100/50 liability with comprehensive and collision averages $1,949 ($162 a month).
- Full coverage (100/300/100, $500 deductibles): $1,908 a year ($159 a month)
- 50/100/50 with $500 deductibles: $1,949 a year ($162 a month)
- Liability only (30/60/25): $683 a year ($57 a month)
- Guilford County: $1,856 a year ($155 a month) for full coverage
- North Carolina average: $1,848 a year ($154 a month) for full coverage
- ZIP code range: $148 (27408 and 27455) to $170 (27401) a month for full coverage
Cheap Car Insurance in Greensboro: Companies Compared
- Lowest averages among insurers we rank, full coverage: Progressive and State Farm, effectively tied at about $97 and $98 a month.
- Next lowest: NC Farm Bureau at $161, then GEICO at $170.
- Lowest liability-only average (30/60/25): State Farm, at about $36 a month, then Progressive at $45.
- Also on our list: Erie at about $69 a month, Nationwide at $147, Farmers at $161, Penn National at $161 and Utica National at $200.
- Most expensive in our data: Allstate, at about $269 a month, $2,061 a year more than Progressive for the same driver and car.
Progressive and State Farm are effectively tied for the lowest full-coverage average among the five insurers in our Greensboro rate data. Of the six published 2026 statewide North Carolina rate studies we reviewed, the one whose figures are also built from Quadrant rate data ranks Erie Insurance cheapest for full coverage. Four of the other five rank Progressive first, and only one of those five includes Erie. For liability-only coverage at 30/60/25 limits, State Farm has the lowest average among the insurers we price, at about $36 a month, followed by Progressive at $45.
Full-coverage averages by insurer in Greensboro
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 30/60/25 (Yearly): | Liability Only 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $534 | $45 | $1,165 | $97 |
| State Farm | $433 | $36 | $1,176 | $98 |
| NC Farm Bureau | $646 | $54 | $1,933 | $161 |
| GEICO | $722 | $60 | $2,038 | $170 |
| Allstate | $1,079 | $90 | $3,226 | $269 |
| Erie Insurance* | $507 | $42 | $826 | $69 |
| Nationwide* | $678 | $57 | $1,758 | $147 |
| Farmers* | $876 | $73 | $1,927 | $161 |
| Penn National* | $677 | $56 | $1,930 | $161 |
| Utica National* | $1,117 | $93 | $2,405 | $200 |
| Greensboro average | $683 | $57 | $1,908 | $159 |
This table uses Greensboro ZIP codes only. See how we calculated these rates.
Greensboro Car Insurance Rates by ZIP Code
Across the nine Greensboro ZIP codes we price, full coverage for our driver ranges from about $148 a month in 27408 and 27455 to $170 in 27401, a gap of $260 a year. Northwest ZIP codes such as 27408 and 27455 are the least expensive in our data, and 27401, 27405 and 27407 the most expensive.
Lowest-priced Greensboro ZIP codes
Highest-priced Greensboro ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Greensboro’s average.
| ZIP Code: | Liability Only 30/60/25 (Yearly): | Liability Only 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 27401 | $733 | $61 | $2,036 | $170 | +7% |
| 27403 | $726 | $61 | $2,003 | $167 | +5% |
| 27405 | $725 | $60 | $2,018 | $168 | +6% |
| 27406 | $708 | $59 | $1,991 | $166 | +4% |
| 27407 | $727 | $61 | $2,006 | $167 | +5% |
| 27408 | $635 | $53 | $1,776 | $148 | -7% |
| 27409 | $636 | $53 | $1,782 | $149 | -6% |
| 27410 | $628 | $52 | $1,782 | $149 | -6% |
| 27455 | $627 | $52 | $1,776 | $148 | -7% |
Your ZIP code matters
Does Better Coverage Cost More in Greensboro?
Full coverage at 100/300/100 limits costs a little less on average than 50/100/50 in our Greensboro data: $1,908 a year compared with $1,949, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate and GEICO charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Greensboro?
Not for our benchmark driver. Comparing the same insurers in the same Greensboro ZIP codes, full coverage averaged $2,010 a year in rates as of Nov. 30, 2025, and $1,908 as of Aug. 31, 2026, a 5.1% drop. Allstate cut its Greensboro average 7.8%, Progressive 4.9%, State Farm 4.9%, NC Farm Bureau 3.0% and GEICO 2.9%. Liability-only coverage at 30/60/25 limits fell 8.4%, led by State Farm, which cut its liability-only average 10.5%.
What Shapes Car Insurance Costs in Greensboro
Guilford County averages about $155 a month for full coverage, the 35th-most expensive of the 93 North Carolina counties we price.
High Point, in the same county, averages about $160 a month, and Jamestown, between the two cities, $147. Prices depend on where in North Carolina you live, not just on your car and driving record.
How Greensboro Car Insurance Compares With Other North Carolina Cities
More North Carolina cities and towns are in the North Carolina rates by city table, and you can compare states on our car insurance rates by state page.
High Point, about 15 miles southwest, averages $160 a month, and Winston-Salem, about 25 miles west, $148.
What Car Insurance Is Required in Greensboro?
Drivers in Greensboro follow North Carolina’s rules. Policies issued or renewed on or after July 1, 2025, must include at least:
- Bodily injury liability of $50,000 per person and $100,000 per crash
- Property damage liability of $50,000 per crash
- Uninsured and underinsured motorist coverage, which every North Carolina policy must include
Our North Carolina requirements guide covers the details and what happens if your coverage lapses.
How to Lower Your Car Insurance Rate in Greensboro
- Compare Progressive and State Farm first. They have the two lowest full-coverage averages among the insurers we rank in Greensboro, about $97 and $98 a month.
- Quote several insurers. Among the insurers we rank in Greensboro, the lowest and highest averages are about $172 a month apart for the same driver and car.
- Don’t let your coverage lapse. Your insurer reports a lapse to NCDMV, and ignoring the notice can cost your plate, a civil penalty of up to $150 and a $50 restoration fee, according to the NCDMV.
- Compare at every renewal. Since November 2025, Allstate has cut its Greensboro average 7.8%, Progressive 4.9%, State Farm 4.9%, NC Farm Bureau 3.0% and GEICO 2.9%, so the order in our table can shift.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check North Carolina home insurance rates before you shop.
Ready to compare
How We Calculated Greensboro Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 45 full-coverage premiums from five insurers across nine Greensboro ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 30/60/25 limits, with 30/60 uninsured and underinsured motorist coverage and no comprehensive or collision. North Carolina’s minimum has been 50/100/50 since July 1, 2025, so our liability-only prices use lower limits than the law requires. Our 50/100/50 prices also include comprehensive and collision, so they aren’t liability-only prices at the new minimum. Liability-only figures for insurers marked * are scaled from published minimum-coverage prices, most of them at the 50/100/50 minimum, so they don’t match our 30/60/25 package exactly.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 North Carolina rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from North Carolina law and the North Carolina Department of Insurance. We refresh these figures when new rate data is released.
Greensboro Car Insurance FAQ
For our benchmark driver, full coverage in Greensboro averages about $159 a month ($1,908 a year) and liability-only coverage at 30/60/25 limits about $57 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 3% above the North Carolina average of $154 a month.
Progressive and State Farm are effectively tied for the lowest full-coverage average in our Greensboro rate data, at about $97 and $98 a month. NC Farm Bureau’s average is next, at $161. For liability-only coverage at 30/60/25 limits, State Farm has the lowest average, at about $36 a month. The one published 2026 North Carolina study we reviewed whose figures are also built from Quadrant rate data ranks Erie Insurance cheapest for full coverage, while most of the others, which mostly don’t include Erie, rank Progressive first. Rates vary by driver, so compare quotes for your own car and ZIP code.
Winston-Salem, for our benchmark driver. Winston-Salem full coverage averages about $148 a month and Greensboro about $159, a difference of about $11 a month.
In our data, 27408 and 27455 share the lowest full-coverage average in Greensboro, at about $148 a month, and 27401 the highest, at about $170. The ZIP code table on this page lists all nine.
In our Greensboro data, full coverage (100/300/100 with $500 deductibles) averages about $159 a month and liability-only coverage at 30/60/25 limits about $57, a difference of about $102 a month ($1,225 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Greensboro full coverage fell 5.1% between November 2025 and August 2026, from about $2,010 to $1,908 a year. Allstate cut its Greensboro average 7.8%, Progressive 4.9%, State Farm 4.9%, NC Farm Bureau 3.0% and GEICO 2.9%. Liability-only coverage at 30/60/25 limits fell 8.4%.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
