Car Insurance in High Point
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Car Insurance in High Point, NC: Compare Quotes and Get the Best Rates
If you drive in High Point—whether it’s down Main Street, through the downtown furniture district, or on I-74—car insurance is essential. It protects you financially in case of accidents, weather damage, or theft and is also required by North Carolina law.
High Point is part of the Piedmont Triad and has over 115,000 residents. With growing traffic, unpredictable weather, and a strong commuter presence, having proper car insurance in High Point is crucial for every driver.
The average cost of full coverage car insurance in High Point is about $1,690 per year, which is slightly lower than the state average of $1,670, making it one of the more affordable cities for car insurance in North Carolina.
Minimum Car Insurance Requirements in High Point, NC
To legally drive in High Point, you must carry at least the minimum liability insurance as required by the state:
- Bodily Injury Liability: $30,000 per person / $60,000 per accident
- Property Damage Liability: $25,000 per accident
- Uninsured Motorist Coverage: Same as liability minimums
- Underinsured Motorist Coverage: Required with higher limits
This is known as the 30/60/25 rule. North Carolina is an at-fault state, meaning the driver who causes the accident pays for the other party’s damages. While this keeps you legal, it may not be enough to protect you in serious situations.
Recommended Car Insurance Coverage in High Point
Drivers in High Point often choose full coverage for better protection, especially due to weather risks, theft, and busy roads.
| Coverage Type | What It Covers | Why It’s Important in High Point |
|---|---|---|
| Collision Coverage | Repairs to your car after an accident | Useful in areas with frequent crashes or busy roads |
| Comprehensive Coverage | Theft, vandalism, weather, and flood damage | High Point sees severe weather and storm damage |
| Uninsured/Underinsured Motorist | Damages caused by drivers with no or little insurance | ~7% of NC drivers are uninsured |
| Medical Payments (MedPay) | Your medical bills regardless of fault | Helpful if your health insurance is limited |
| Roadside Assistance | Towing, lockouts, flat tires, battery jumpstarts | Useful for unexpected breakdowns on highways |
Penalties for Driving Without Insurance in High Point
Driving without car insurance in High Point can result in:
- Fines of $50–$150 or more
- License and registration suspension
- Reinstatement fees of $100+
- SR-22 filing requirement (high-risk insurance)
- Increased insurance rates later
- Jail time for repeat violations
To avoid these issues, make sure you always have active coverage and proof of insurance.
Average Cost of Car Insurance in High Point, NC
| Coverage Type | Average Annual Cost |
|---|---|
| Minimum Coverage | $690 |
| Full Coverage | $1,690 |
Cost by Age Group
| Age Group | Average Annual Premium |
|---|---|
| 16–20 | $4,900+ |
| 21–25 | $2,400 |
| 26–35 | $1,800 |
| 36–50 | $1,650 |
| 51+ | $1,500 |
High Point vs. Other North Carolina Cities: Cost Comparison
| City | Full Coverage | Minimum Coverage |
|---|---|---|
| Charlotte | $1,850 | $750 |
| Raleigh | $1,790 | $720 |
| Durham | $1,730 | $700 |
| Greensboro | $1,760 | $710 |
| Winston-Salem | $1,740 | $690 |
| Fayetteville | $1,780 | $710 |
| Concord | $1,620 | $670 |
| Cary | $1,660 | $680 |
| Wilmington | $1,720 | $700 |
| High Point | $1,690 | $690 |
High Point sits in the mid-range of North Carolina car insurance costs, offering good value for full coverage policies.
Best Car Insurance Companies in High Point
Here are some of the most trusted and affordable car insurance providers in High Point:
| Company | Best For | Estimated Full Coverage |
|---|---|---|
| GEICO | Lowest average rates | $1,640 |
| State Farm | Strong customer support | $1,680 |
| Progressive | Best for drivers with violations | $1,710 |
| Allstate | Great mobile tools and bundling | $1,740 |
| Nationwide | Excellent family plans | $1,690 |
| USAA (military only) | Best for military families | $1,520 |
✅ Pro Tip: Get quotes from at least three different insurers to find your best rate based on driving history, ZIP code, and coverage needs.
What Affects Car Insurance Costs in High Point?
Your auto insurance rates depend on several important factors:
- Driving Record: Accidents, tickets, and DUIs raise premiums
- Age & Gender: Young drivers and males often pay more
- ZIP Code: Some areas may have more accidents or theft
- Vehicle Type: New or luxury cars cost more to insure
- Annual Mileage: More miles driven = higher risk
- Credit Score: In NC, credit can affect insurance prices
- Coverage Type: Full coverage costs more than liability-only
- Claim History: Frequent claims may raise your rates
Ways to Save on Car Insurance in High Point
Want to reduce your premium? Try these proven tips:
- ✅ Bundle your car and home/renters insurance
- ✅ Enroll in a telematics/safe-driver program
- ✅ Raise your deductible (if you can afford it)
- ✅ Take a North Carolina defensive driving course
- ✅ Keep a clean driving record
- ✅ Ask for discounts (student, multi-car, military, low mileage)
- ✅ Avoid gaps in coverage
- ✅ Shop for new quotes every 6–12 months
Get a Free Car Insurance Quote in High Point Today!
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FAQs – High Point Car Insurance
North Carolina drivers must carry 30/60/25 liability coverage and uninsured motorist protection.
The average is around $1,690 per year for full coverage, and $690 for minimum coverage.
GEICO, State Farm, and USAA (if eligible) often have the most competitive prices.
Yes—especially for newer or financed vehicles, and to protect against theft and storm damage.
No. Driving uninsured can lead to fines, license suspension, and increased premiums.
About the Author
Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.