Cheap Quotes for Holden Beach, NC Car Insurance (2021)

Holden Beach, North Carolina car insurance rates average $299 a month and North Carolina law requires coverage of at least 30/60/25. By comparing rates from multiple Holden Beach, NC companies, you can find cheap Holden Beach 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 14, 2022

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Things to Know

  • Average car insurance rates in Holden Beach, NC are $299/month
  • Average car insurance rates in Holden Beach, NC after a DUI are $6,761/year
  • The cheapest car insurance company in Holden Beach is Liberty Mutual

How do the Holden Beach, North Carolina monthly average car insurance rates of $299/month compare to nearby cities like Durham car insurance rates, Wilmington car insurance rates, and High Point car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Holden Beach, NC.

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

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

What are the minimum Holden Beach, NC car insurance requirements?

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

Minimum Required Car Insurance Coverage in Holden Beach, 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 Holden Beach, NC car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Holden Beach, 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 $5,842 $5,842 $4,793 $4,793 $14,054 $14,054 $5,957 $5,957
GEICO $2,599 $2,552 $2,564 $2,519 $4,785 $4,744 $2,288 $2,275
Liberty Mutual $1,934 $1,934 $2,001 $2,001 $3,430 $3,430 $1,934 $1,934
Nationwide $2,616 $2,616 $2,616 $2,616 $4,448 $4,448 $2,616 $2,616
Progressive $1,898 $1,898 $1,730 $1,730 $4,418 $4,418 $2,108 $2,108
State Farm $2,728 $2,728 $2,359 $2,359 $4,029 $4,029 $3,371 $3,371
Travelers $2,814 $2,814 $2,792 $2,792 $4,799 $4,799 $2,888 $2,888

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

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

Annual Car Insurance Rates for Teen Drivers in Holden Beach, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,054 $14,054
GEICO $4,785 $4,744
Liberty Mutual $3,430 $3,430
Nationwide $4,448 $4,448
Progressive $4,418 $4,418
State Farm $4,029 $4,029
Travelers $4,799 $4,799

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

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

Annual Car Insurance Rates for Senior Drivers in Holden Beach, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,793 $4,793
GEICO $2,564 $2,519
Liberty Mutual $2,001 $2,001
Nationwide $2,616 $2,616
Progressive $1,730 $1,730
State Farm $2,359 $2,359
Travelers $2,792 $2,792

How does coverage level affect Holden Beach, 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 Holden Beach, NC car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Holden Beach, North Carolina

Insurance Company Low Medium High
Allstate $7,367 $7,629 $7,988
GEICO $2,886 $3,029 $3,207
Liberty Mutual $2,203 $2,309 $2,463
Nationwide $2,932 $3,058 $3,233
Progressive $2,394 $2,522 $2,699
State Farm $2,963 $3,104 $3,298
Travelers $3,168 $3,304 $3,497

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

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

Annual Holden Beach, North Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,150 $7,307 $13,579 $5,609
GEICO $1,613 $2,404 $5,912 $2,234
Liberty Mutual $1,386 $1,780 $4,355 $1,780
Nationwide $1,809 $2,339 $5,810 $2,339
Progressive $1,201 $1,749 $5,510 $1,693
State Farm $1,669 $2,406 $6,006 $2,406
Travelers $1,987 $2,591 $6,159 $2,556

How does a DUI affect Holden Beach, NC car insurance rates?

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

Annual Car Insurance Rates After a DUI in Holden Beach, North Carolina

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $13,579
GEICO $5,912
Liberty Mutual $4,355
Nationwide $5,810
Progressive $5,510
State Farm $6,006
Travelers $6,159

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

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

Annual Car Insurance Rates by Credit Score in Holden Beach, North Carolina

Insurance Company Poor Fair Good
Allstate $10,362 $6,723 $5,898
GEICO $3,284 $3,027 $2,812
Liberty Mutual $2,325 $2,325 $2,325
Nationwide $3,074 $3,074 $3,074
Progressive $2,855 $2,478 $2,282
State Farm $4,385 $2,803 $2,178
Travelers $3,542 $3,230 $3,197

How does your commute affect Holden Beach, NC car insurance rates?

Holden Beach, 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 Holden Beach if you’re financing.

Annual Car Insurance Rates by Commute Length in Holden Beach, North Carolina

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,661 $7,661
GEICO $3,041 $3,041
Liberty Mutual $2,325 $2,325
Nationwide $3,074 $3,074
Progressive $2,538 $2,538
State Farm $3,109 $3,135
Travelers $3,323 $3,323

Who has the cheapest Holden Beach, NC car insurance rates?

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

Best Annual Car Insurance Rates by Company in Holden Beach, North Carolina

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

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What are the top Holden Beach, NC car insurance companies?

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

Average Annual Car Insurance Rates by Company in Holden Beach, North Carolina

Insurance Company Average Annual Rates
Allstate $7,661
GEICO $3,041
Liberty Mutual $2,325
Nationwide $3,074
Progressive $2,538
State Farm $3,122
Travelers $3,323

What factors affect Holden Beach, NC car insurance rates?

Why are Holden Beach, North Carolina car insurance rates different than rates in Durham or Wilmington? 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 Holden Beach, NC?

More time spent behind the wheel can lead to higher Holden Beach, North Carolina car insurance rates. In Holden Beach, NC, the average commute length is 30.9 minutes.

Car Insurance Quotes for Holden Beach, NC

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