For felons, one of the more important considerations that are looked at to determine car insurance rates is where you live in Greensboro. Areas with more people or even just a higher incidence of claims likely pay more, whereas areas with lower crime rates and fewer weather claims benefit from lower coverage costs.
The illustration below rates the highest-priced places in North Carolina for felons in which to purchase auto insurance. Greensboro is ranked #9 costing $756 for the average insured, which is approximately $63 monthly.
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Price information shown is comparative as specific Greensboro zip code can affect coverage prices significantly.
The make and model of vehicle that needs insurance is one of the largest considerations that determines whether or not you find the lowest-priced car insurance for felons. Vehicles with limited top-end speed, excellent safety ratings, or a low likelihood of liability claims will cost much less to insure than adrenaline junky models.
The list below shows auto insurance rates for a number of the most economical vehicles to insure in North Carolina.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Ford Escape XLT 4WD||$1,053|
|Hyundai Elantra SE Touring Station Wagon||$1,118|
|Ford F-150 XL Crew Cab 2WD||$1,157|
|Dodge Grand Caravan CV||$1,164|
|Honda CR-V EX-L 2WD||$1,208|
|Volkswagen Jetta LE 4-Dr Sedan||$1,222|
|GMC Sierra SLE Regular Cab 2WD||$1,228|
|Ford Explorer Eddie Bauer 4WD||$1,245|
|Honda Accord LX 4-Dr Sedan||$1,263|
|Ford Edge Sport 2WD||$1,284|
|Chevrolet Equinox LTZ AWD||$1,307|
|Ford Focus SES 2-Dr Coupe||$1,374|
|Toyota RAV4 Limited 4WD||$1,397|
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Estimates do not factor in specific location which can raise or lower price quotes greatly.
By looking at the data, we can presume that makes and models like the Ford Escape, Hyundai Elantra, and Ford F-150 are most likely going to be the most economical vehicles to insure for felons.
Trying to buy cheap auto insurance is not the easiest thing to do, and deciding which companies quote the lowest-priced auto insurance rates for felons will take even more shopping around. Every insurance provider uses a different method to establish rates, so let’s take a look at the most budget-friendly auto insurance companies in Greensboro, NC.
Compare Cheap Insurance Quotes for Felons
|Rank||Company||Cost Per Year|
|6||NC Farm Bureau||$730|
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Progressive may offer some of the most affordable car insurance rates in Greensboro at around $632 annually. Utica National, Penn National, Liberty Mutual, and GEICO would also make the list of some of the more affordable Greensboro, NC car insurance companies.
As the rates illustrate above, if you are insured with Utica National and switched to Progressive, you might see savings of roughly $23. Policyholders with Penn National may save as much as $85 a year, and Liberty Mutual policyholders might lower prices by $96 a year.
Bear in mind that those rates are averaged for all drivers and vehicles and are not factoring in an exact zip code location for felons. So the company that can offer you the best rate may not even be in the list above. That emphasizes why you need to compare as many prices as possible using your own driver and vehicle profiles.
North Carolina auto insurance company ratings
Ending up with the best car insurance company can be difficult considering how many choices there are in North Carolina. The information in the lists below could help you choose which car insurance providers you want to consider when shopping your coverage around. These ratings include the companies with a significant amount of written premium nationwide, so companies that focus mainly on North Carolina business will not be included in these rankings.
Top 10 Major Auto Insurers in Greensboro Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
- The Hartford – 87%
Top 10 Major Auto Insurers in Greensboro Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- Nationwide – A+
- The Hartford – A+
- Allstate – A+
Reckless driving habits raise auto insurance rates
One of the best ways to receive good auto insurance rates in Greensboro for felons is to be an attentive driver and avoid getting tickets or having accidents. The illustration below illustrates how speeding tickets and at-fault fender-benders can raise auto insurance rates for different categories of driver ages. The premium estimates are based on a married male driver, comp and collision included, $100 deductibles, and no policy discounts are applied.
The data charted above shows the average cost of a car insurance policy in Greensboro per year with a clean driving record and no accidents is $1,227. Get written up for two speeding tickets and the average cost increases to $1,694, an increase of $467 each year. Now throw in two accidents along with the two speeding tickets and the yearly cost of auto insurance for felons increases to an average of $3,350. That’s an increase of $2,123, or $177 per month, just for being a less-than-perfect driver!
The diagram below highlights how deductible choice can change insurance rates when researching cheap insurance for felons. The premium estimates are based on a married male driver, comp and collision included, and no discounts are applied.
As shown above, a 30-year-old driver could pocket $190 a year by changing from a $100 deductible up to a $500 deductible, or save $290 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old example, can save as much as $578 or even more by using higher deductibles when buying full coverage. When choosing a higher deductible, it will be necessary to have plenty of discretionary funds to enable you to pay the extra out-of-pocket expense associated with higher deductibles.
Greensboro car insurance rates
Greensboro auto insurance rates are impacted by many factors which can substantially decrease or increase the policy price. Improving your credit rating, becoming a homeowner, or getting a few speeding tickets can trigger rate changes that can make some companies more affordable than the competition. Not only that, but insurance companies change rates at least once a year in order to protect their financial rating. An unexpected high level of claims may cause increased policy costs, while profitable underwriting can result in cheaper Greensboro car insurance rates.
To help illustrate this point, the bar chart below compares the cheapest car insurance in Greensboro, NC for a 30-year-old male driver with a good driving record, no prior claims, and excellent credit. If we estimate prices based on his personal profile, Progressive might offer the cheapest car insurance rates in Greensboro at $751 each year. This is $121 less than the average policy premium paid by North Carolina drivers of $872. Utica National, NC Farm Bureau, Penn National, and Liberty Mutual round out the rest of the most affordable Greensboro, NC auto insurance companies.
In the next rate comparison, we’ll give the driver from the first set of rates a claim surcharge, a lower credit score, and a traffic ticket or two. Because each company uses a different method for filing rates in each state, comparing prices could result in a slightly different list of affordable companies as shown below.
GEICO now has the cheapest insurance rate in Greensboro, NC with Titan, Auto-Owners, Travelers, and Erie completing the list. This example proves why consumers need to take the time to perform a complete rate comparison when trying to find the most economical auto insurance quotes for felons.
Car insurance prices consist of many different factors and change frequently, so the most affordable company two years ago may now be an over-priced policy.
If you aren’t clear which coverage you need and would like to have a little guidance when trying to find the best insurance rates for felons, the agents listed below can help you determine which coverages and limits you need. To find an auto insurance agency using an interactive map, click the button at the bottom.
Allstate Insurance: Michael Patterson
3817 Lawndale Dr, Ste B2 – Greensboro, NC 27455 – (336) 545-4596
Nationwide Insurance: Haywood Insurance Agency Inc
2211 W Meadowview Rd Ste 110 – Greensboro, NC 27407 – (336) 855-1234
Allstate Insurance: John L. Palmer
445 Dolley Madison Rd a – Greensboro, NC 27410 – (336) 852-8800
Barry Morgan – State Farm Insurance Agent
2001 N O Henry Blvd Srv Rd b – Greensboro, NC 27407 – (336) 294-3894