Cheap Quotes for Kernersville, NC Car Insurance (2021)

Kernersville, North Carolina car insurance rates average $242 a month and North Carolina law requires coverage of at least 30/60/25. By comparing rates from multiple Kernersville, NC companies, you can find cheap Kernersville 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

UPDATED: Aug 4, 2021

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Things to Know

  • The cheapest car insurance company in Kernersville is Liberty Mutual
  • Average car insurance rates in Kernersville, NC for senior drivers are $2,177/year
  • Kernersville has an average commute time of 21.3 minutes

How do the Kernersville, North Carolina monthly average car insurance rates of $242/month compare to nearby cities like Charlotte car insurance rates, Greensboro 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 Kernersville, NC.

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

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

What are the minimum Kernersville, NC car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Kernersville, 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 $4,632 $4,632 $3,800 $3,800 $11,151 $11,151 $4,723 $4,723
GEICO $2,304 $2,260 $2,273 $2,230 $4,351 $4,312 $2,008 $1,996
Liberty Mutual $1,595 $1,595 $1,650 $1,650 $2,833 $2,833 $1,595 $1,595
Nationwide $2,114 $2,114 $2,114 $2,114 $3,608 $3,608 $2,114 $2,114
Progressive $1,416 $1,416 $1,295 $1,295 $3,596 $3,596 $1,606 $1,606
State Farm $2,098 $2,098 $1,816 $1,816 $3,097 $3,097 $2,591 $2,591
Travelers $2,327 $2,327 $2,308 $2,308 $3,979 $3,979 $2,388 $2,388

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

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,151 $11,151
GEICO $4,351 $4,312
Liberty Mutual $2,833 $2,833
Nationwide $3,608 $3,608
Progressive $3,596 $3,596
State Farm $3,097 $3,097
Travelers $3,979 $3,979

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

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,800 $3,800
GEICO $2,273 $2,230
Liberty Mutual $1,650 $1,650
Nationwide $2,114 $2,114
Progressive $1,295 $1,295
State Farm $1,816 $1,816
Travelers $2,308 $2,308

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

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

Insurance Company Low Medium High
Allstate $5,846 $6,051 $6,333
GEICO $2,591 $2,706 $2,852
Liberty Mutual $1,824 $1,905 $2,025
Nationwide $2,383 $2,474 $2,605
Progressive $1,870 $1,965 $2,100
State Farm $2,298 $2,387 $2,518
Travelers $2,633 $2,735 $2,884

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

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

Annual Kernersville, North Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,294 $5,812 $10,753 $4,448
GEICO $1,515 $2,207 $5,099 $2,045
Liberty Mutual $1,147 $1,469 $3,588 $1,469
Nationwide $1,469 $1,895 $4,692 $1,895
Progressive $933 $1,358 $4,307 $1,314
State Farm $1,281 $1,852 $4,618 $1,852
Travelers $1,647 $2,146 $5,091 $2,117

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

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $10,753
GEICO $5,099
Liberty Mutual $3,588
Nationwide $4,692
Progressive $4,307
State Farm $4,618
Travelers $5,091

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

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

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

Insurance Company Poor Fair Good
Allstate $8,186 $5,350 $4,694
GEICO $2,947 $2,703 $2,500
Liberty Mutual $1,918 $1,918 $1,918
Nationwide $2,488 $2,488 $2,488
Progressive $2,253 $1,927 $1,755
State Farm $3,368 $2,157 $1,678
Travelers $2,932 $2,674 $2,646

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

Kernersville, 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 Kernersville if you’re financing.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,077 $6,077
GEICO $2,717 $2,717
Liberty Mutual $1,918 $1,918
Nationwide $2,488 $2,488
Progressive $1,978 $1,978
State Farm $2,393 $2,408
Travelers $2,751 $2,751

Who has the cheapest Kernersville, NC car insurance rates?

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

Best Annual Car Insurance Rates by Company in Kernersville, 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 Kernersville, NC car insurance companies?

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

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

Insurance Company Average Annual Rates
Allstate $6,077
GEICO $2,717
Liberty Mutual $1,918
Nationwide $2,488
Progressive $1,978
State Farm $2,401
Travelers $2,751

What factors affect Kernersville, NC car insurance rates?

Why are Kernersville, North Carolina car insurance rates different than rates in Charlotte or Greensboro? 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 Kernersville, NC?

More time spent behind the wheel can lead to higher Kernersville, North Carolina car insurance rates. In Kernersville, NC, the average commute length is 21.3 minutes.

Car Insurance Quotes for Kernersville, NC

Shop for affordable Kernersville, North Carolina car insurance rates today. Enter your ZIP code to compare quotes from multiple Kernersville, NC car insurance companies.

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