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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.