Car Insurance in High Point, North Carolina
Estimated full coverage in High Point runs about $1,235 a year ($103/month) — ▲ +4% versus the North Carolina average, ranking 11th most expensive of the 19 North Carolina cities we cover.
Why car insurance in High Point costs more than the North Carolina average
Insurers price by territory, and High Point's numbers explain most of the gap. With 118,601 residents on 57.4 square miles, the city's density (2,065 people per square mile) is 4.0 times the density where the typical North Carolina resident lives (521). The average commute is 20.7 minutes (North Carolina: 25.1), and 77% of workers drive alone. Together these put our location factor at 1.04× the state baseline for liability and collision.
| Factor | High Point | North Carolina ref. | Why it matters |
|---|---|---|---|
| Population density | 2,065 / sq mi | 521 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 20.7 min | 25.1 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 4.2% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 77.1% | — | Share of workers commuting by car. |
| Public transit to work | 0.8% | — | Transit use lowers how much residents drive. |
| Work from home | 10.3% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 7.7% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 87.4 | 86.2 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in High Point
Rates can change from one ZIP code to the next. Across 4 High Point ZIP codes, our full-coverage estimate ranges from $1,210 in 27265 to $1,265 in 27268. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 27265 | 48,798 | 1,176 | 21.6 min | 5.3% | $1,210 | −2% |
| 27262 | 28,353 | 2,150 | 19.8 min | 3.4% | $1,225 | −1% |
| 27260 | 25,299 | 2,044 | 19.5 min | 18.6% | $1,220 | −1% |
| 27268 | 1,611 | 15,641 | 11.4 min | — | $1,265 | +2% |
Minimum car insurance in High Point
High Point drivers follow North Carolina's rules: at least 50/100/50 liability coverage, and uninsured motorist coverage. North Carolina is at-fault (tort). We estimate state-minimum coverage in High Point at $465 a year, and $560 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $50,000 per person / $100,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $50,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — North Carolina does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 50/100/50 Uninsured motorist coverage of at least 50/100 bodily injury and $50,000 property damage is required on every policy. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | Yes | 50/100 Underinsured motorist coverage is now included in all new and renewed policies. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Insurers must notify NCDMV when liability coverage lapses; owners must keep coverage until the license plate is surrendered.
Minimums were raised recently from 30/60/25, and underinsured motorist coverage became mandatory on all policies.
Risk factors that shape High Point premiums
Accidents
North Carolina recorded 1,619 traffic deaths, or 1.24 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
North Carolina's vehicle theft rate is 204 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Guilford County as relatively moderate for hail, relatively high for inland flooding and relatively moderate for strong wind, and relatively moderate for hurricanes.
Traffic & commuting
4.2% of High Point commuters spend an hour or more getting to work, and there are 1.76 vehicles per household. 10.3% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 92.2 | Comprehensive (car); roof claims (home) | |
| Tornado | 88.7 | Comprehensive; dwelling | |
| Hurricane | 90.3 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 96.6 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 69.0 | Comprehensive; dwelling | |
| Winter weather | 96.0 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in High Point by driver profile
A clean-record driver in their 50s pays the least in our High Point model (about $1,135 for full coverage); an 18-year-old on their own policy pays about $3,390, and a DUI pushes a 30-something to $2,280.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,275 | $1,540 | $3,390 | $283 |
| Young adult (22) | $745 | $895 | $1,975 | $165 |
| Adult in their 30s | $465 | $560 | $1,235 | $103 |
| Adult in their 50s | $425 | $515 | $1,135 | $95 |
| Senior (72) | $520 | $630 | $1,380 | $115 |
| 30s, one at-fault accident | $675 | $815 | $1,790 | $149 |
| 30s, DUI on record | $860 | $1,035 | $2,280 | $190 |
Minimum vs. standard vs. full coverage in High Point
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $465 | $39 | $380–$550 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $560 | $47 | $460–$660 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,235 | $103 | $1,010–$1,455 |
Estimate your premium in High Point
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Cheap car insurance in High Point: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with High Point's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $95 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $90 | You're among the 10.3% of High Point workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $370 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $675 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $270 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in High Point
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 22 offices listed below.
- Check complaint records with the North Carolina Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within High Point, our estimates differ by up to $55 a year between neighborhoods.
Car insurance agents near High Point, NC
We found 22 insurance offices within about 6 miles of central High Point, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Jones & Peacock Insurance
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Direct Auto Insurance
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Allstate
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Brock Thomas - State Farm
725 W Main St, Suite D, Jamestown, NC 27282 -
State Farm
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Key Risk
275 North Elm Street, #300, , NC -
State Farm Dan Loggins Agency
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Piedmont Triad Insurance - Jamestown
302 West Main Street, Jamestown, NC 27282 -
Allstate
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Nationwide
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HealthTeam Advantage
5815 Samet Drive, #107, , NC -
Freeway Insurance
3935 Brian Jordan Pl, High Point, NC 27265 -
Blue Paper Co.
2762 Nc Highway 68 S, Ste 105, High Point, NC 27265 -
Zimmerman Insurance
2106 West English Road, High Point, NC 27262 -
Ramos Insurance Agency
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Jeff Fuller - State Farm
202 Stratford Rd, Archdale, NC 27263 -
Nationwide
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Kent Hursey - Allstate
1228 Guilford College Rd, Ste 106, Jamestown, NC 27282 -
Nationwide
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Central Carolina Insurance
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State Farm
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H. Kim - Allstate
5709 W Gate City Blvd, Ste 201, Greensboro, NC 27407
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in High Point
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $915 | −26% |
| Subaru Outback | Wagon | $915 | −26% |
| Tesla Model 3 | Midsize car | $1,325 | +7% |
| Subaru Forester | Small SUV | $900 | −27% |
| Honda Civic | Compact car | $1,400 | +13% |
| Toyota Corolla | Compact car | $1,300 | +5% |
| Jeep Wrangler | Midsize SUV | $975 | −21% |
| Mazda CX-5 | Small SUV | $1,035 | −16% |
| MINI Cooper | Subcompact car | $930 | −25% |
| Tesla Model Y | Midsize SUV | $1,195 | −3% |
Car insurance in nearby North Carolina cities
- Greensboro $1,250/yr · 12 mi
- Winston-Salem $1,240/yr · 17 mi
- Burlington $1,260/yr · 30 mi
- Mooresville $1,270/yr · 55 mi
- Concord $1,285/yr · 55 mi
- Durham $1,270/yr · 61 mi
- Cary $1,280/yr · 67 mi
- Charlotte $1,310/yr · 72 mi
- Hickory $1,205/yr · 76 mi
- Raleigh $1,290/yr · 76 mi
- Gastonia $1,285/yr · 84 mi
- Fayetteville $1,180/yr · 85 mi
All North Carolina cities and state rules · Homeowners insurance in High Point
Frequently asked questions
How much is car insurance in High Point, NC?
We estimate full coverage in High Point at about $1,235 a year ($103 a month) for a driver in their 30s with a clean record, and about $465 for North Carolina's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in High Point more expensive than the North Carolina average?
Our High Point estimate is 4% higher than the statewide figure. The model reflects a population density of 2,065 people per square mile (the typical North Carolina resident lives at about 521) and an average commute of 20.7 minutes versus 25.1 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in High Point?
Drivers in High Point follow North Carolina law: at least 50/100/50 liability coverage and uninsured motorist coverage.
Which ZIP code in High Point has the cheapest car insurance?
Among High Point's 4 ZIP codes, 27265 has the lowest estimate (about $1,210 a year for full coverage) and 27268 the highest (about $1,265), mainly because of differences in density and commute times.
How much is car insurance for a teenager in High Point?
An 18-year-old with their own full-coverage policy would pay around $3,390 a year in High Point by our estimate ($1,275 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in High Point?
Yes. FEMA's National Risk Index rates Guilford County for inland (river) flooding (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in High Point?
We list 22 insurance offices in and around High Point, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- NCDMV: Vehicle Insurance Requirements
- NCDOI: Changes to the Rating of Automobile Insurance Policies
- N.C.G.S. 20-279.21 (motor vehicle liability policy)
- NCDMV: Proving Liability Insurance
- NCDOI: Assistance or File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (High Point and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places