Cheapest and Best Car Insurance in High Point, NC (2024)


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ByMark Fitzpatrick
Edited byAshley Jacobs
ByMark Fitzpatrick
Edited byAshley Jacobs

Updated: May 20, 2024

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Your driver profile and coverage requirements will impact who the cheapest provider is for you. State Farm is the cheapest company for teen drivers, full coverage, those in the military and drivers with speeding and accident violations. National General is the cheapest insurer if you have a DUI. Nationwide is the cheapest option for minimum coverage, while Erie is the best option if you prioritize customer service.

MoneyGeek Logo IconCheapest + BestCar InsuranceHigh Point
2024

Cheapest and Best Car Insurance in High Point

Why Trust MoneyGeek? High Point car insurance rates and data in this analysis were obtained from Quadrant Information Services and the North Carolina Department of Insurance. MoneyGeek scored companies using our proprietary scoring system.

47,430Quotes Analyzed
 
9Companies Compared

Cheapest Minimum Liability Car Insurance in High Point

The cheapest car insurance companies in High Point for a minimum coverage policy are:

  • Nationwide: $235 per year
  • State Farm: $280 per year

Allstate is the most expensive provider for minimum coverage at around $739 per year.

Nationwide is the cheapest car insurance in North Carolina as of October 2022. Location can be a factor in car insurance rates, and a Nationwide policy in North Carolina costs $242 per year.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
NationwideAnnual Premium$235Monthly Premium$20
State FarmAnnual Premium$280Monthly Premium$23
ErieAnnual Premium$288Monthly Premium$24
North Carolina Farm BureauAnnual Premium$321Monthly Premium$27
KemperAnnual Premium$442Monthly Premium$37
National GeneralAnnual Premium$450Monthly Premium$38
ProgressiveAnnual Premium$478Monthly Premium$40
GEICOAnnual Premium$481Monthly Premium$40

Minimum coverage car insurance in High Point meets the minimum limits required by North Carolina law, including:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $30,000 uninsured motorist coverage per person
  • $60,000 uninsured motorist coverage per accident
  • $25,000 uninsured motorist property damage coverage per accident

In High Point, a minimum coverage policy will cover injuries up to $30,000 per person and a maximum of $60,000 per accident. Property damage coverage is capped at $30,000. Damages above these limits will need to be paid out of your own pocket.

Cheapest Full Coverage Car Insurance in High Point

The cheapest companies for full coverage car insurance in High Point are:

  • State Farm: $568 per year
  • Erie: $589 per year

Allstate has the most expensive rates for a full coverage policy at around $1,284 per year.

Location can be a factor in car insurance rates. While State Farm is the cheapest provider in High Point, Erie offers the cheapest full coverage car insurance in North Carolina at $630 per year as of October 2022.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$568Monthly Premium$47
ErieAnnual Premium$589Monthly Premium$49
NationwideAnnual Premium$598Monthly Premium$50
North Carolina Farm BureauAnnual Premium$663Monthly Premium$55
KemperAnnual Premium$819Monthly Premium$68
National GeneralAnnual Premium$871Monthly Premium$73
GEICOAnnual Premium$887Monthly Premium$74
ProgressiveAnnual Premium$988Monthly Premium$82

Full coverage policies cost more since they include comprehensive and collision insurance.

  • Collision Insurance: Covers damages to your vehicle caused by a collision or accident with another car or object.
  • Comprehensive Insurance: Covers damages to your car from non-collision incidents such as theft, vandalism or extreme weather.

If you have an older car, a full coverage policy may cost more than the value of your car, so it may not be worth it.

Cheapest Car Insurance in High Point After a Driving Offense

The cheapest auto insurance companies after driving violations in High Point are:

  • Speeding ticket: State Farm ($831 per year)
  • At-fault accident: State Farm ($759 per year)
  • DUI: National General ($1,914 per year)

On average, the most expensive company after a violation is Allstate at $5,345 per year for a DUI and $1,890 for a speeding ticket. GEICO is the most expensive after an at-fault accident at roughly $1,672 per year.

A poor record will increase your car insurance premiums significantly. Even the cheapest companies for a poor record will not be as affordable as rates for drivers with a clean record.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$831Monthly Premium$69
NationwideAnnual Premium$853Monthly Premium$71
ErieAnnual Premium$927Monthly Premium$77
North Carolina Farm BureauAnnual Premium$941Monthly Premium$78
National GeneralAnnual Premium$1,184Monthly Premium$99
KemperAnnual Premium$1,370Monthly Premium$114
ProgressiveAnnual Premium$1,431Monthly Premium$119
GEICOAnnual Premium$1,483Monthly Premium$124

When shopping for the cheapest car insurance for a bad driving record, rates may vary depending on the violation. More severe violations may attract higher rates.

For instance, High Point drivers with a DUI pay up to $2,278 more compared to rates for a clean record, but rates for a speeding ticket are only $405 more.

Cheapest Car Insurance in High Point for Teens and Their Families

The cheapest car insurance companies in High Point for teens on a family policy are:

  • State Farm: $989 per year for male and female teens
  • Nationwide: $1,335 per year for male and female teens

GEICO is the most expensive provider for teens on a family policy at an average of $4,221 per year for male and female teens.

Some companies may charge higher rates for male teens because they are considered a higher risk to insure compared to female teens. However, this difference typically drops off in early adulthood.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
State FarmFamily Plan Annual Premium$989Individual Plan Monthly Premium$3,516
NationwideFamily Plan Annual Premium$1,335Individual Plan Monthly Premium$3,686
ProgressiveFamily Plan Annual Premium$2,119Individual Plan Monthly Premium$5,639
KemperFamily Plan Annual Premium$2,316Individual Plan Monthly Premium$9,839
AllstateFamily Plan Annual Premium$2,804Individual Plan Monthly Premium$9,998
GEICOFamily Plan Annual Premium$4,204Individual Plan Monthly Premium$10,874

Individual policies for teens cost significantly more than a family policy. In High Point, a male teen purchasing an individual policy will pay $538 more than the cost of a family policy.

Teen drivers looking for the cheapest car insurance for teens can save by opting to be added to a family policy rather than purchasing an individual policy.

Cheapest Car Insurance in High Point for Military Drivers

The cheapest car insurance companies in High Point for active or veteran military families are:

  • State Farm: $568 per year
  • Erie: $589 per year

For minimum coverage, Nationwide is the best option for cheap military car insurance at around $235 per year. State Farm and Erie are also among the cheapest providers for minimum coverage at $280 and $288 per year, respectively.

USAA is also a good option for drivers in the military since its services cater to drivers with a military background.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$568Monthly Premium$47
ErieAnnual Premium$589Monthly Premium$49
NationwideAnnual Premium$598Monthly Premium$50
North Carolina Farm BureauAnnual Premium$663Monthly Premium$55
KemperAnnual Premium$819Monthly Premium$68
National GeneralAnnual Premium$871Monthly Premium$73
GEICOAnnual Premium$887Monthly Premium$74
ProgressiveAnnual Premium$988Monthly Premium$82

How to Compare Cheap High Point Car Insurance Quotes Online

You can get car insurance quotes online in High Point, but the process can take around 15 minutes per insurer. You will be required to enter a lot of personal information.

MoneyGeek’s car insurance calculator can give you a quick estimate based on your age, type of vehicle, coverage and driving record.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jun 13, 2024

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Best Car Insurance in High Point: Summary

The best car insurance provider for you will depend on how you value different factors. The best car insurance companies in High Point, North Carolina, are:

  • Best overall: Erie (MoneyGeek score of 82 out of 100)
  • Best for service: Erie (MoneyGeek score of 70 out of 100)
  • Best cheap: Erie (MoneyGeek score of 80 out of 100)

Scores can vary based on weightings in each category.

Erie is also the best car insurance company in North Carolina. For drivers in the military, USAA is a good option since its services are tailored to suit those with a military background.

Best Overall Car Insurance in High Point

The overall best car insurance companies in High Point are:

  • Erie: MoneyGeek score of 82 out of 100 ($589 per year)
  • North Carolina Farm Bureau: MoneyGeek score of 76 out of 100 ($663 per year)

State Farm ranked highly for affordability and customer satisfaction. This means policyholders can expect to get coverage at affordable rates without missing out on service quality.

Erie

pros

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High score for affordability

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Excellent score for satisfaction

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Provides coverage for pets, locksmith help and accident forgiveness

cons

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Limited coverage options

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No roadside assistance

COMPANY HIGHLIGHTS

Erie offers an excellent balance of affordability and customer support, making it an excellent option for insurance in High Point. It can cover vet expenses for your pets and locksmith expenses. It can also keep your premiums from rising.

Erie will pay for the services of a locksmith for up to $75 if you lock your keys in the car. This protection comes with your comprehensive coverage.

A policy with Erie can even protect your pets. If your pet gets injured in an accident, Erie can pay for the costs of treating your pet. Limits include $500 per pet, up to $1,000 total per accident.

Erie offers accident forgiveness on your first at-fault accident. This means that your car insurance rates won’t increase after an accident if you’ve been an Erie policyholder for at least three years.

Read MoneyGeek's Erie Auto Insurance Review

Best Car Insurance in High Point for Customer Service

MoneyGeek’s analysis found that when cost is not a factor, the best car insurance companies in High Point for customer service are:

  • Erie: MoneyGeek score of 70 out of 100 ($589 per year)
  • North Carolina Farm Bureau: MoneyGeek score of 68 out of 100 ($663 per year)

Erie ranked first for claims experience and customer satisfaction. This means most customers have a good experience with this provider. The insurer is also the second-cheapest provider in High Point, so policyholders get a great balance of affordability and service quality.

Erie

pros

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Ranked first for customer satisfaction

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Good claims management score

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Offers better car replacement and personal property insurance

cons

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Below-average coverage score

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No custom parts coverage

COMPANY HIGHLIGHTS

Erie is the best car insurance company in High Point if you value good service. This provider has an excellent track record of customer satisfaction and offers good claims management.

If you have a new car that is less than two years old, Erie offers better car replacement coverage as an add-on coverage. This protection ensures that if your new car gets totaled, you will be compensated with the newest model year. Erie also offers glass deductible modification coverage, which means that in case of damage to your windscreen or windows, the deductible will be waived.

Erie can even cover personal belongings in your car, such as clothing or luggage, if you opt for personal property insurance coverage. Rental car or travel reimbursement coverage is also available if you want to be covered for travel expenses incurred while your car is in the shop for repairs.

Read MoneyGeek's Erie Auto Insurance Review

Best Cheap Car Insurance Companies in High Point

The best cheap car insurance companies in High Point based on affordability and service quality for minimum coverage policies that only meet North Carolina’s minimum coverage requirements are:

  • Erie: MoneyGeek score of 80 out of 100 ($288 per year)
  • Nationwide: MoneyGeek score of 77 out of 100 ($235 per year)

If you are looking for affordable car insurance, the cheapest minimum coverage policies in High Point have the lowest rates. These policies offer the least protection against liability costs, and damages to your car are not covered.

Erie

pros

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Affordable minimum coverage at around $288 per year

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Offers multiple car, defensive driving and mileage discounts

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Ranked highly for customer satisfaction

cons

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Below-average coverage score

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No paperless discount

COMPANY HIGHLIGHTS

Erie ranks highly for claims experience, affordability and customer satisfaction. This means policyholders can expect a good customer experience and affordable coverage from this insurer.

Drivers looking to make their car insurance even more affordable can take advantage of common discounts offered by Erie, including the multiple car, bundling and safe driving discounts. Erie also offers discounts for taking approved driver’s education and defensive driving courses.

This provider even has uncommon discounts, like the daytime running lights discount that is available if your car has factory-installed daytime running lamps. Drivers can also get a discount if they have an electronic tracking device installed. Other safety equipment installed in your vehicle, like anti-lock brakes and anti-theft systems, may also qualify you for a discount on your premiums.

Read MoneyGeek's Erie Auto Insurance Review

Average Cost of Car Insurance in High Point

The average cost of car insurance in High Point is $751 per year for a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 property damage liability per accident.

Compared to the average cost of car insurance in North Carolina, High Point drivers pay $109 less. Rates in High Point are also up to $514 lower than the average national cost of car insurance.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.