Cheap Quotes for Erwin, NC Car Insurance (2021)

Erwin, North Carolina car insurance rates average $298 a month and North Carolina law requires coverage of at least 30/60/25. By comparing rates from multiple Erwin, NC companies, you can find cheap Erwin car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • Erwin has an average commute time of 27.3 minutes
  • Average car insurance rates in Erwin, NC for senior drivers are $2,691/year
  • The cheapest car insurance company in Erwin is Liberty Mutual

How do the Erwin, North Carolina monthly average car insurance rates of $298/month compare to nearby cities like Cary car insurance rates, Winston-Salem car insurance rates, and Durham car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Erwin, NC.

We’ll cover the North Carolina minimum coverage requirements, North Carolina car insurance laws, and Erwin, NC statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Erwin, North Carolina companies to find the most affordable Erwin car insurance rates.

Enter your ZIP code above to find cheap Erwin, NC car insurance quotes today.

What are the minimum Erwin, NC car insurance requirements?

To meet North Carolina minimum car insurance coverage requirements, Erwin, NC drivers need to carry at least 30/60/25 coverage.

Minimum Required Car Insurance Coverage in Erwin, North Carolina

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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How do age, gender, and marital status affect Erwin, NC car insurance rates?

Three of the criteria that most affect car insurance rates in Erwin, North Carolina are age, gender, and marital status. Let’s take a look at how each of these stack up with top Erwin car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Erwin, North Carolina

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $5,979 $5,979 $4,905 $4,905 $14,357 $14,357 $6,098 $6,098
GEICO $2,540 $2,495 $2,508 $2,464 $4,639 $4,599 $2,238 $2,225
Liberty Mutual $1,898 $1,898 $1,965 $1,965 $3,353 $3,353 $1,898 $1,898
Nationwide $2,601 $2,601 $2,601 $2,601 $4,403 $4,403 $2,601 $2,601
Progressive $1,905 $1,905 $1,741 $1,741 $4,326 $4,326 $2,102 $2,102
State Farm $2,775 $2,775 $2,399 $2,399 $4,093 $4,093 $3,431 $3,431
Travelers $2,762 $2,762 $2,740 $2,740 $4,671 $4,671 $2,835 $2,835

How much do teen drivers pay for car insurance in Erwin, NC?

Erwin, North Carolina car insurance rates for teens are often higher than rates for other drivers. Compare Erwin car insurance rates from multiple Erwin, North Carolina car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Erwin, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,357 $14,357
GEICO $4,639 $4,599
Liberty Mutual $3,353 $3,353
Nationwide $4,403 $4,403
Progressive $4,326 $4,326
State Farm $4,093 $4,093
Travelers $4,671 $4,671

How much do senior drivers pay for car insurance in Erwin, NC?

With a little research, seniors can find affordable car insurance in Erwin, North Carolina. Here’s a look at how the top Erwin car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Erwin, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,905 $4,905
GEICO $2,508 $2,464
Liberty Mutual $1,965 $1,965
Nationwide $2,601 $2,601
Progressive $1,741 $1,741
State Farm $2,399 $2,399
Travelers $2,740 $2,740

How does coverage level affect Erwin, NC car insurance rates?

How much coverage do you need? Are you comfortable with the North Carolina minimum of 30/60/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Erwin, NC car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Erwin, North Carolina

Insurance Company Low Medium High
Allstate $7,509 $7,802 $8,194
GEICO $2,822 $2,952 $3,116
Liberty Mutual $2,165 $2,264 $2,406
Nationwide $2,921 $3,037 $3,198
Progressive $2,388 $2,503 $2,665
State Farm $3,024 $3,158 $3,342
Travelers $3,110 $3,234 $3,412

How does your driving record affect Erwin, NC car insurance rates?

Safe driving pays off. The more traffic violations you have in Erwin, NC, the higher your car insurance rates will be. Compare rates based on driving infractions from top Erwin, North Carolina companies.

Annual Erwin, North Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,239 $7,476 $13,891 $5,734
GEICO $1,556 $2,337 $5,789 $2,172
Liberty Mutual $1,357 $1,743 $4,271 $1,743
Nationwide $1,793 $2,321 $5,773 $2,321
Progressive $1,206 $1,756 $5,410 $1,702
State Farm $1,695 $2,445 $6,112 $2,445
Travelers $1,898 $2,551 $6,071 $2,488

How does a DUI affect Erwin, NC car insurance rates?

With even one DUI on your record, you can see an increase in your Erwin, NC car insurance rates.

Annual Car Insurance Rates After a DUI in Erwin, North Carolina

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $13,891
GEICO $5,789
Liberty Mutual $4,271
Nationwide $5,773
Progressive $5,410
State Farm $6,112
Travelers $6,071

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How does your credit history affect Erwin, NC car insurance rates?

Take a look at the data here to see how your Erwin, North Carolina car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Erwin, North Carolina

Insurance Company Poor Fair Good
Allstate $10,609 $6,864 $6,032
GEICO $3,199 $2,950 $2,742
Liberty Mutual $2,279 $2,279 $2,279
Nationwide $3,052 $3,052 $3,052
Progressive $2,827 $2,458 $2,271
State Farm $4,462 $2,850 $2,212
Travelers $3,490 $3,160 $3,106

How does your commute affect Erwin, NC car insurance rates?

Erwin, NC car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for North Carolina can be seen here. Remember, though, that you may have to carry substantially more car insurance in Erwin if you’re financing.

Annual Car Insurance Rates by Commute Length in Erwin, North Carolina

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,835 $7,835
GEICO $2,964 $2,964
Liberty Mutual $2,279 $2,279
Nationwide $3,052 $3,052
Progressive $2,519 $2,519
State Farm $3,160 $3,189
Travelers $3,252 $3,252

Who has the cheapest Erwin, NC car insurance rates?

Here’s a breakdown of Erwin, North Carolina car insurance rates by company. You can see which company offers the cheapest Erwin car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Erwin, North Carolina

Category Insurance Company
Teenagers Liberty Mutual
Seniors Progressive
Clean Record Progressive
With 1 Accident Liberty Mutual
With 1 DUI Liberty Mutual
With 1 Speeding Violation Progressive

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What are the top Erwin, NC car insurance companies?

Which Erwin, North Carolina car insurance company will best fit your needs and budget? Check out this comparison of the top Erwin companies to find the one for you.

Average Annual Car Insurance Rates by Company in Erwin, North Carolina

Insurance Company Average Annual Rates
Allstate $7,835
GEICO $2,964
Liberty Mutual $2,279
Nationwide $3,052
Progressive $2,519
State Farm $3,175
Travelers $3,252

What factors affect Erwin, NC car insurance rates?

Why are Erwin, North Carolina car insurance rates different than rates in Cary or Winston-Salem? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Erwin, NC?

More time spent behind the wheel can lead to higher Erwin, North Carolina car insurance rates. In Erwin, NC, the average commute length is 27.3 minutes.

Car Insurance Quotes for Erwin, NC

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