For a 40-year-old driver with a clean record, High Point car insurance averages about $160 a month ($1,924 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 4% above the North Carolina average of $154 a month. State Farm has the lowest full-coverage average among the five major insurers we compared (Allstate, GEICO, NC Farm Bureau, Progressive and State Farm), at about $98 a month.
High Point costs a little more than the North Carolina average for our benchmark driver, about $6 a month more, and about the same as Greensboro.
Our data covers four ZIP codes with a High Point mailing address, from about $148 a month in 27265 to $165 in 27260.
Cost data comes from the auto rates insurers file with state regulators, priced across all four High Point 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. 7, 2026.
How Much Is Car Insurance in High Point, NC?
Full coverage in High Point averages $1,924 a year, or about $160 a month, for our benchmark driver. Liability-only coverage at 30/60/25 limits averages $688 a year ($57 a month), and 50/100/50 liability with comprehensive and collision averages $1,962 ($164 a month).
- Full coverage (100/300/100, $500 deductibles): $1,924 a year ($160 a month)
- 50/100/50 with $500 deductibles: $1,962 a year ($164 a month)
- Liability only (30/60/25): $688 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 (27265) to $165 (27260) a month for full coverage
Cheap Car Insurance in High Point: Companies Compared
- Lowest average among the five major insurers we compared, full coverage: State Farm, at about $98 a month ($1,180 a year).
- Next lowest: Progressive, at about $102 a month, then NC Farm Bureau at $166.
- Lowest liability-only average (30/60/25): State Farm, at about $35 a month, then Progressive at $47.
- Also on our list: Erie at about $70 a month, Nationwide at $148, Farmers at $162, Penn National at $162 and Utica National at $202.
- Most expensive in our data: Allstate, at about $263 a month, $1,974 a year more than State Farm for the same driver and car.
State Farm has the lowest full-coverage average among the five insurers in our High Point 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 these five insurers, at about $35 a month, followed by Progressive at $47.
Full-coverage averages by insurer in High Point
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): |
|---|---|---|---|---|
| State Farm | $422 | $35 | $1,180 | $98 |
| Progressive | $560 | $47 | $1,218 | $102 |
| NC Farm Bureau | $668 | $56 | $1,992 | $166 |
| GEICO | $737 | $61 | $2,078 | $173 |
| Allstate | $1,055 | $88 | $3,154 | $263 |
| Erie Insurance* | $512 | $43 | $834 | $70 |
| Nationwide* | $683 | $57 | $1,773 | $148 |
| Farmers* | $883 | $74 | $1,943 | $162 |
| Penn National* | $682 | $57 | $1,947 | $162 |
| Utica National* | $1,126 | $94 | $2,426 | $202 |
| High Point average | $688 | $57 | $1,924 | $160 |
This table uses High Point ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
High Point Car Insurance Rates by ZIP Code
Across the four High Point ZIP codes we price, full coverage for our driver ranges from about $148 a month in 27265 to $165 in 27260, a gap of $203 a year. 27265, on the north and northwest side of the city, is the least expensive High Point ZIP code in our data, and the other three are within a dollar of each other.
Lowest-priced High Point ZIP code
Highest-priced High Point ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below High Point’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: |
|---|---|---|---|---|---|
| 27260 | $716 | $60 | $1,983 | $165 | +3% |
| 27262 | $713 | $59 | $1,969 | $164 | +3% |
| 27263 | $705 | $59 | $1,965 | $164 | +3% |
| 27265 | $620 | $52 | $1,780 | $148 | -8% |
Your ZIP code matters
Does Better Coverage Cost More in High Point?
Full coverage at 100/300/100 limits costs a little less on average than 50/100/50 in our High Point data: $1,924 a year compared with $1,962, 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 High Point?
Not for our benchmark driver. Comparing the same insurers in the same High Point ZIP codes, full coverage averaged $2,029 a year nine months earlier and $1,924 in rates as of Aug. 31, 2026, a 5.2% drop. High Point averages fell 7.9% at Allstate, 5.1% at State Farm, 4.8% at Progressive, 3.0% at NC Farm Bureau and 2.9% at GEICO. Liability-only coverage at 30/60/25 limits fell 8.6%, led by State Farm, which cut its liability-only average 11.0%.
What Shapes Car Insurance Costs in High Point
Guilford County averages about $155 a month for full coverage, the 35th-most expensive of the 93 North Carolina counties we price. Most of High Point is in Guilford County.
Jamestown, just northeast, averages about $147 a month. Prices depend on where in North Carolina you live, not just on your car and driving record.
How High Point 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.
Greensboro, about 15 miles northeast, averages $159 a month, and Winston-Salem, about 17 miles northwest, $148.
What Car Insurance Is Required in High Point?
Drivers in High Point 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 High Point
- Compare State Farm and Progressive first. They have the two lowest full-coverage averages among the five major insurers we compared in High Point, about $98 and $102 a month.
- Quote several insurers. Among the five major insurers we compared in High Point, the lowest and highest averages are about $165 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. Over the past nine months, Allstate has cut its High Point average 7.9%, State Farm 5.1%, Progressive 4.8%, NC Farm Bureau 3.0% and GEICO 2.9%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which car insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how your deductible works.
- Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See home insurance costs in North Carolina, then compare free home insurance quotes.
Ready to compare
How We Calculated High Point 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: 20 full-coverage premiums from five insurers across four High Point 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.
High Point Car Insurance FAQ
For our benchmark driver, full coverage in High Point averages about $160 a month ($1,924 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 4% above the North Carolina average of $154 a month.
State Farm has the lowest full-coverage average in our High Point rate data, at about $98 a month, with Progressive close behind at $102. For liability-only coverage at 30/60/25 limits, State Farm has the lowest average, at about $35 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.
They’re about the same for our benchmark driver: High Point full coverage averages about $160 a month and Greensboro about $159.
In our data, 27265 has the lowest full-coverage average in High Point, at about $148 a month, and 27260 the highest, at about $165. The ZIP code table on this page lists all four.
In our High Point data, full coverage (100/300/100 with $500 deductibles) averages about $160 a month and liability-only coverage at 30/60/25 limits about $57, a difference of about $103 a month ($1,236 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. North Carolina law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, High Point full coverage fell 5.2% over the past nine months, from about $2,029 to $1,924 a year. Allstate cut its High Point average 7.9%, State Farm 5.1%, Progressive 4.8%, NC Farm Bureau 3.0% and GEICO 2.9%. Liability-only coverage at 30/60/25 limits fell 8.6%.
For our benchmark driver, full coverage in High Point averages about $160 a month. Nearby, Greensboro averages about $159, Winston-Salem about $148 and Concord about $163. Greensboro and Winston-Salem are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- 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.
