Buy Cheap Asheville, NC Auto Insurance in 2024
Asheville, NC auto insurance rates average $244 a month. Minimum auto insurance requirements in Asheville, North Carolina are 30/60/25 to comply with North Carolina laws. To buy cheap auto insurance in Asheville, NC, compare Asheville auto insurance quotes from top companies.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance 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
- The most expensive auto insurance company in Asheville is Allstate
- The most expensive auto insurance company in Asheville after a DUI is Allstate
- Average auto insurance rates in Asheville, NC after a DUI are $5,506/year
Finding affordable Asheville, North Carolina auto insurance can be challenging, but everything you need to know to buy cheap Asheville, NC auto insurance with confidence is right here. Auto insurance rates in Asheville are affected by local factors as well as personal ones like your driving record.
See how Asheville, NC car insurance rates compare to High Point auto insurance rates, Greensboro auto insurance rates, and Concord auto insurance rates before you read more about the cost of auto insurance in Asheville.
Don’t buy Asheville, NC auto insurance until you’ve compared rates. Get free Asheville, North Carolina auto insurance quotes when you enter your ZIP code above.
Asheville, NC Minimum Auto Insurance Requirements
The required auto insurance in Asheville, NC is 30/60/25 according to the auto insurance laws in North Carolina. The minimum auto insurance in Asheville, North Carolina is outlined here.
Minimum Required Auto Insurance Coverage in Asheville, 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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Find Cheap Asheville, NC Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Asheville, NC. Take a look at Asheville, North Carolina auto insurance rates by credit history.
Annual Auto Insurance Rates by Credit Score in Asheville, North Carolina
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,701 | $5,658 | $4,936 |
| Geico | $2,901 | $2,658 | $2,457 |
| Liberty Mutual | $1,866 | $1,866 | $1,866 |
| Nationwide | $2,446 | $2,446 | $2,446 |
| Progressive | $2,240 | $1,948 | $1,793 |
| State Farm | $3,417 | $2,185 | $1,698 |
| Travelers | $2,879 | $2,606 | $2,561 |
Buy Cheap Asheville, NC Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Asheville, North Carolina auto insurance rates? Find out how car insurance rates in Asheville, NC are impacted by demographics.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Asheville, 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 | $4,878 | $4,878 | $4,000 | $4,000 | $11,875 | $11,875 | $4,974 | $4,974 |
| Geico | $2,276 | $2,231 | $2,238 | $2,195 | $4,261 | $4,222 | $1,983 | $1,971 |
| Liberty Mutual | $1,552 | $1,552 | $1,606 | $1,606 | $2,754 | $2,754 | $1,552 | $1,552 |
| Nationwide | $2,080 | $2,080 | $2,080 | $2,080 | $3,544 | $3,544 | $2,080 | $2,080 |
| Progressive | $1,465 | $1,465 | $1,340 | $1,340 | $3,529 | $3,529 | $1,640 | $1,640 |
| State Farm | $2,128 | $2,128 | $1,841 | $1,841 | $3,135 | $3,135 | $2,629 | $2,629 |
| Travelers | $2,272 | $2,272 | $2,253 | $2,253 | $3,870 | $3,870 | $2,332 | $2,332 |
Buy Cheap Asheville, NC Auto Insurance for Teen Drivers
Auto insurance for teenagers in Asheville can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Asheville, NC are listed here.
Annual Auto Insurance Rates for Teen Drivers in Asheville, North Carolina
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,875 | $11,875 |
| Geico | $4,261 | $4,222 |
| Liberty Mutual | $2,754 | $2,754 |
| Nationwide | $3,544 | $3,544 |
| Progressive | $3,529 | $3,529 |
| State Farm | $3,135 | $3,135 |
| Travelers | $3,870 | $3,870 |
Buy Cheap Asheville, NC Auto Insurance for Seniors
You can save on senior auto insurance rates in Asheville, North Carolina by comparing Asheville senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Asheville, NC here.
Annual Auto Insurance Rates for Senior Drivers in Asheville, North Carolina
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,000 | $4,000 |
| Geico | $2,238 | $2,195 |
| Liberty Mutual | $1,606 | $1,606 |
| Nationwide | $2,080 | $2,080 |
| Progressive | $1,340 | $1,340 |
| State Farm | $1,841 | $1,841 |
| Travelers | $2,253 | $2,253 |
Find Cheap Auto Insurance Rates in Asheville, NC by Coverage Level
The amount of coverage you choose is a big factor in the cost of Asheville, North Carolina auto insurance. Compare Asheville, NC auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Asheville, North Carolina
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,240 | $6,412 | $6,644 |
| Geico | $2,559 | $2,663 | $2,794 |
| Liberty Mutual | $1,783 | $1,854 | $1,960 |
| Nationwide | $2,355 | $2,434 | $2,548 |
| Progressive | $1,900 | $1,981 | $2,099 |
| State Farm | $2,342 | $2,420 | $2,537 |
| Travelers | $2,579 | $2,668 | $2,798 |
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Find Cheap Asheville, NC Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Asheville. Compare auto insurance rates in Asheville, NC by commute length to see how your daily commute impacts your rates.
Annual Auto Insurance Rates by Commute Length in Asheville, North Carolina
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $6,432 | $6,432 |
| Geico | $2,672 | $2,672 |
| Liberty Mutual | $1,866 | $1,866 |
| Nationwide | $2,446 | $2,446 |
| Progressive | $1,993 | $1,993 |
| State Farm | $2,427 | $2,440 |
| Travelers | $2,682 | $2,682 |
Find Cheap Asheville, NC Auto Insurance Rates by ZIP Code
Auto insurance rates in Asheville, North Carolina can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Asheville, NC to see how much where you live in Asheville affects the cost of car insurance.
Annual Auto Insurance Rates by ZIP Code in Asheville, North Carolina
| ZIP Code | Average Annual Rates |
|---|---|
| 28801 | $2,622 |
| 28803 | $2,644 |
| 28804 | $2,628 |
| 28805 | $2,643 |
| 28806 | $2,635 |
| 28810 | $2,773 |
Find Cheap Asheville, NC Auto Insurance Rates by Driving Record
Auto insurance rates in Asheville, North Carolina are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Asheville, NC, take a look at the average cost for various violations versus rates for a clean driving record in Asheville.
Annual Asheville, North Carolina Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,498 | $6,114 | $11,394 | $4,722 |
| Geico | $1,492 | $2,169 | $5,019 | $2,008 |
| Liberty Mutual | $1,114 | $1,428 | $3,492 | $1,428 |
| Nationwide | $1,442 | $1,862 | $4,616 | $1,862 |
| Progressive | $945 | $1,375 | $4,327 | $1,327 |
| State Farm | $1,291 | $1,875 | $4,692 | $1,875 |
| Travelers | $1,568 | $2,106 | $5,000 | $2,053 |
Find Cheap Asheville, NC Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Asheville, North Carolina is higher than for a clean driving record. You can buy auto insurance after a DUI in Asheville for less when you shop around and compare rates from multiple Asheville, NC auto insurance companies.
Annual Auto Insurance Rates After a DUI in Asheville, North Carolina
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $11,394 |
| Geico | $5,019 |
| Liberty Mutual | $3,492 |
| Nationwide | $4,616 |
| Progressive | $4,327 |
| State Farm | $4,692 |
| Travelers | $5,000 |
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Winners by Category: Where to Buy Cheap Auto Insurance in Asheville, NC
Compare rates from the cheapest auto insurance companies in Asheville, NC for your needs. Take a look at how Asheville, North Carolina auto insurance companies stack up for each category.
Best Annual Auto Insurance Rates by Company in Asheville, 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 |
Find Cheap Asheville, North Carolina Auto Insurance Companies
If you’re looking for the cheapest Asheville, NC auto insurance companies overall, you can compare them here. Find the best price for Asheville, North Carolina car insurance by company.
Average Annual Auto Insurance Rates by Company in Asheville, North Carolina
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,432 |
| Geico | $2,672 |
| Liberty Mutual | $1,866 |
| Nationwide | $2,446 |
| Progressive | $1,993 |
| State Farm | $2,433 |
| Travelers | $2,682 |
What affects Asheville, North Carolina auto insurance rates?
Local factors affect auto insurance rates in Asheville, NC, including traffic, theft statistics, and commute length. Take a look at the things that impact Asheville auto insurance rates.
Commute Times in Asheville
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Asheville, NC is 17.9 minutes according to City-Data.
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Compare Auto Insurance Quotes in Asheville, NC
You can buy cheap Asheville, NC auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Asheville, North Carolina auto insurance quotes from top companies.
Frequently Asked Questions
What factors affect the cost of auto insurance in Asheville, NC?
Several factors can impact the cost of auto insurance in Asheville, NC. These factors include your driving history, age, gender, type of vehicle, coverage limits, deductible amount, credit score, and even your zip code. Insurance companies assess these factors to determine the level of risk you pose and calculate your premium accordingly.
How can I find cheap auto insurance in Asheville, NC?
To find cheap auto insurance in Asheville, NC, you can follow these steps:
- Shop around: Obtain quotes from multiple insurance companies to compare prices and coverage options.
- Opt for higher deductibles: Choosing a higher deductible means you’ll pay more out of pocket in case of an accident, but it can lower your premium.
- Bundle your policies: Consider bundling your auto insurance with other policies, such as homeowners or renters insurance, to qualify for discounts.
- Maintain a good driving record: A clean driving record with no accidents or traffic violations can help you secure lower insurance rates.
- Drive a safe vehicle: Vehicles with advanced safety features and good crash test ratings may be eligible for insurance discounts.
- Check for discounts: Inquire about available discounts, such as safe driver discounts, good student discounts, or discounts for taking defensive driving courses.
Are there any specific auto insurance requirements in Asheville, NC?
Yes, there are specific auto insurance requirements in Asheville, NC, as mandated by the state. Drivers in North Carolina must carry liability insurance with minimum coverage limits of 30/60/25. This means $30,000 in bodily injury liability coverage per person, $60,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.
Is it necessary to buy additional coverage beyond the state’s minimum requirements?
While meeting the state’s minimum requirements is legally mandatory, it’s often advisable to consider additional coverage options. Minimum liability coverage may not be sufficient to protect your financial interests in the event of a serious accident. Adding comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, and medical payments coverage can provide additional protection and peace of mind.
Does my credit score impact my auto insurance rates in Asheville, NC?
Yes, in many cases, your credit score can affect your auto insurance rates in Asheville, NC. Insurance companies often consider credit-based insurance scores when calculating premiums. Research suggests that individuals with lower credit scores are statistically more likely to file insurance claims. However, regulations vary by state, and not all insurers use credit scores as a rating factor. It’s recommended to inquire with insurance providers about their specific practices regarding credit scores.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.