Chapel Hill Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in North Carolina has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Chapel Hill typically pay around $121.54 per month compared to the national average of $167.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Chapel Hill, NC Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Erie generally has the most affordable car insurance in Chapel Hill coming in around $73.55 per month. Other companies to consider if you live in Chapel Hill is North Carolina Farm Bureau with an average cost of $79.23 per month and Direct Auto which typically runs around $80.43 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Chapel Hill.

How Much is Car Insurance in Chapel Hill, NC?

Rates can vary from city to city. The residents of Asheville typically pay $103.18 per month while people who live in Cary will pay $119.66 per month on average. See what people pay for car insurance in other cities in North Carolina.

Cheap Car Insurance in Chapel Hill by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of North Carolina. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Chapel Hill

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $61.06 per month in Chapel Hill. Compare that to drivers in their 30’s who typically pay around $73.05 per month drivers in their 40s at $123.99 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Chapel Hill

If you are teen in Chapel Hill you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Direct Auto typically charges around $42.88 per month. This is likely the most affordable option in Chapel Hill. You might also want to consider State Farm and National General who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Chapel Hill

20 year-olds in Chapel Hill might want to consider Erie who, on average, offers car insurance rates around $77.57 per month. North Carolina Farm Bureau , Direct Auto , GMAC Insurance Group and Penn National are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Chapel Hill

If you are in your 30s in Chapel Hill our research has found that Utica National Ins Group typically has the most affordable coverage coming in around $60.75 per month, followed by Titan at $82.34 and Travelers at $87.50.

Cheapest Insurance for 40 Year-olds in Chapel Hill

On average, Direct Auto offers car insurance for 40 year-olds in Chapel Hill for around $81.17 per month. If you are looking for affordable coverage, you may also want to consider Erie or National General. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Chapel Hill

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Chapel Hill we found that Direct Auto generally offers the most affordable coverage at $39.77 per month.

Cheapest Insurance for 60 Year-olds in Chapel Hill

If you live in Chapel Hill and you’re in your 60s, our data indicates that Erie usually has the best rates at $51.81 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Chapel Hill, NC

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Chapel Hill, the average monthly rate for a driver who is currently insured is $93.93 while drivers who are not currently covered will pay around $134.80.

Compare Recent Car Insurance Quotes in Chapel Hill

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Chapel Hill a driver of a 2020 Ford Escape can expect to pay around $62.15 per month while someone that owns a 2017 Subaru Outback may pay around $77.14 per month. Check out the list of recent quotes in Chapel Hill below.

FAQ's for Drivers in Chapel Hill, NC

What Is the Minimum Liability Coverage Requirement in Chapel Hill, NC?

Every state requires drivers to have a minimum amount of liability coverage. North Carolina drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

• $30,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
• $60,000; Bodily injury coverage per accident; Payment per person per accident for out of pocket costs due to injury
• $25,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Before you begin requesting quotes from different carriers, it’s important to know the minimum insurance requirements for your state. North Carolina drivers are required to carry a minimum of $30,000 bodily injury for each person and $60,000 total bodily injury for all persons injured in a single accident. Motorists must also continuously maintain $25,000 in property damage liability coverage.

What Is the Blood Alcohol Concentration (BAC) limit in Chapel Hill, NC?

It’s illegal to drive in North Carolina with the following BAC percentages:

• .08%+ at 21 years old or older
• .04%+ for commercial vehicle drivers
• .04%+ for prior DWI

Drivers under the age of 21 cannot drive with any amount of alcohol or illegally used drugs in their systems, no matter how small the amount. Any BAC level will result in 30-day pretrial license revocation, and just the smell of alcohol on the breath is enough for a conviction of driving under the influence.

What are the consequences of being convicted of a DUI?

Penalties for driving while impaired in North Carolina vary greatly. There are five levels of misdemeanor driving while intoxicated (DWI), with Level 1 being the most serious and Level 5 being the least serious. Level 1 and 2 drivers are repeat offenders, are transporting children, have had their license revoked, or have hurt someone in a crash. Punishments range from $200 fines and community service to $4,000 in fines and a maximum jail sentence of two years. Habitual DWI offenders can be charged with and convicted of a felony.

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