Cheap Quotes for Garner, NC Car Insurance (2024)
Garner, North Carolina car insurance rates average $295 a month and North Carolina law requires coverage of at least 30/60/25. By comparing rates from multiple Garner, NC companies, you can find cheap Garner car insurance quotes to fit your needs and budget.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Garner, NC for senior drivers are $2,655/year
- Garner has an average commute time of 28.6 minutes
- The cheapest car insurance company in Garner is Liberty Mutual
How do the Garner, North Carolina monthly average car insurance rates of $295/month compare to nearby cities like High Point car insurance rates, Greensboro car insurance rates, and Cary car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Garner, NC.
We’ll cover the North Carolina minimum coverage requirements, North Carolina car insurance laws, and Garner, NC statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Garner, North Carolina companies to find the most affordable Garner car insurance rates.
Enter your ZIP code above to find cheap Garner, NC car insurance quotes today.
What are the minimum Garner, NC car insurance requirements?
To meet North Carolina minimum car insurance coverage requirements, Garner, NC drivers need to carry at least 30/60/25 coverage.
| 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 |
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
How do age, gender, and marital status affect Garner, NC car insurance rates?
Three of the criteria that most affect car insurance rates in Garner, North Carolina are age, gender, and marital status. Let’s take a look at how each of these stack up with top Garner car insurance companies.
| 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 | $5,769 | $5,769 | $4,727 | $4,727 | $13,992 | $13,992 | $5,882 | $5,882 |
| 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 | $1,811 | $1,811 | $1,659 | $1,659 | $4,263 | $4,263 | $2,018 | $2,018 |
| State Farm | $2,771 | $2,771 | $2,396 | $2,396 | $4,088 | $4,088 | $3,426 | $3,426 |
| Travelers | $2,775 | $2,775 | $2,753 | $2,753 | $4,714 | $4,714 | $2,849 | $2,849 |
How much do teen drivers pay for car insurance in Garner, NC?
Garner, North Carolina car insurance rates for teens are often higher than rates for other drivers. Compare Garner car insurance rates from multiple Garner, North Carolina car insurance companies to get the best deal.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $13,992 | $13,992 |
| Geico | $4,639 | $4,599 |
| Liberty Mutual | $3,353 | $3,353 |
| Nationwide | $4,403 | $4,403 |
| Progressive | $4,263 | $4,263 |
| State Farm | $4,088 | $4,088 |
| Travelers | $4,714 | $4,714 |
How much do senior drivers pay for car insurance in Garner, NC?
With a little research, seniors can find affordable car insurance in Garner, North Carolina. Here’s a look at how the top Garner car insurance companies stack up.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,727 | $4,727 |
| Geico | $2,508 | $2,464 |
| Liberty Mutual | $1,965 | $1,965 |
| Nationwide | $2,601 | $2,601 |
| Progressive | $1,659 | $1,659 |
| State Farm | $2,396 | $2,396 |
| Travelers | $2,753 | $2,753 |
How does coverage level affect Garner, 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 Garner, NC car insurance rates will be. Let’s take a look.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $7,292 | $7,561 | $7,925 |
| Geico | $2,822 | $2,952 | $3,116 |
| Liberty Mutual | $2,165 | $2,264 | $2,406 |
| Nationwide | $2,921 | $3,037 | $3,198 |
| Progressive | $2,306 | $2,423 | $2,585 |
| State Farm | $3,027 | $3,154 | $3,330 |
| Travelers | $3,130 | $3,255 | $3,434 |
How does your driving record affect Garner, NC car insurance rates?
Safe driving pays off. The more traffic violations you have in Garner, NC, the higher your car insurance rates will be. Compare rates based on driving infractions from top Garner, North Carolina companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,120 | $7,252 | $13,437 | $5,562 |
| 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 | $1,160 | $1,687 | $5,270 | $1,634 |
| State Farm | $1,688 | $2,441 | $6,110 | $2,441 |
| Travelers | $1,953 | $2,551 | $6,071 | $2,516 |
How does a DUI affect Garner, NC car insurance rates?
With even one DUI on your record, you can see an increase in your Garner, NC car insurance rates.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $13,437 |
| Geico | $5,789 |
| Liberty Mutual | $4,271 |
| Nationwide | $5,773 |
| Progressive | $5,270 |
| State Farm | $6,110 |
| Travelers | $6,071 |
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
How does your credit history affect Garner, NC car insurance rates?
Take a look at the data here to see how your Garner, North Carolina car insurance rates are affected by your credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $10,247 | $6,672 | $5,859 |
| Geico | $3,199 | $2,950 | $2,742 |
| Liberty Mutual | $2,279 | $2,279 | $2,279 |
| Nationwide | $3,052 | $3,052 | $3,052 |
| Progressive | $2,748 | $2,375 | $2,191 |
| State Farm | $4,455 | $2,846 | $2,209 |
| Travelers | $3,490 | $3,181 | $3,148 |
How does your commute affect Garner, NC car insurance rates?
Garner, 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 Garner if you’re financing.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $7,593 | $7,593 |
| Geico | $2,964 | $2,964 |
| Liberty Mutual | $2,279 | $2,279 |
| Nationwide | $3,052 | $3,052 |
| Progressive | $2,438 | $2,438 |
| State Farm | $3,158 | $3,182 |
| Travelers | $3,273 | $3,273 |
Who has the cheapest Garner, NC car insurance rates?
Here’s a breakdown of Garner, North Carolina car insurance rates by company. You can see which company offers the cheapest Garner car insurance rates in each category.
| 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 |
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
What are the top Garner, NC car insurance companies?
Which Garner, North Carolina car insurance company will best fit your needs and budget? Check out this comparison of the top Garner companies to find the one for you.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $7,593 |
| Geico | $2,964 |
| Liberty Mutual | $2,279 |
| Nationwide | $3,052 |
| Progressive | $2,438 |
| State Farm | $3,170 |
| Travelers | $3,273 |
What factors affect Garner, NC car insurance rates?
Why are Garner, North Carolina car insurance rates different than rates in High Point 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 Garner, NC?
More time spent behind the wheel can lead to higher Garner, North Carolina car insurance rates. In Garner, NC, the average commute length is 28.6 minutes.
Car Insurance Quotes for Garner, NC
Shop for affordable Garner, North Carolina car insurance rates today. Enter your ZIP code to compare quotes from multiple Garner, NC car insurance companies.
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.