Buy Cheap Waynesville, NC Auto Insurance in 2024
Waynesville, NC auto insurance rates average $245 a month. Minimum auto insurance requirements in Waynesville, North Carolina are 30/60/25 to comply with North Carolina laws. To buy cheap auto insurance in Waynesville, NC, compare Waynesville auto insurance quotes from top companies.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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 Waynesville is Allstate
- Average auto insurance rates in Waynesville, NC are $245/month
- Average auto insurance rates in Waynesville, NC for teens drivers are $4,714/year
Finding affordable Waynesville, North Carolina auto insurance can be challenging, but everything you need to know to buy cheap Waynesville, NC auto insurance with confidence is right here. Auto insurance rates in Waynesville are affected by local factors as well as personal ones like your driving record.
See how Waynesville, NC car insurance rates compare to Greensboro auto insurance rates, Cary auto insurance rates, and Concord auto insurance rates before you read more about the cost of auto insurance in Waynesville.
Don’t buy Waynesville, NC auto insurance until you’ve compared rates. Get free Waynesville, North Carolina auto insurance quotes when you enter your ZIP code above.
Waynesville, NC Minimum Auto Insurance Requirements
The required auto insurance in Waynesville, NC is 30/60/25 according to the auto insurance laws in North Carolina. The minimum auto insurance in Waynesville, North Carolina is outlined here.
| 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 Waynesville, NC Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Waynesville, NC. Take a look at Waynesville, North Carolina auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,861 | $5,754 | $5,019 |
| Geico | $2,901 | $2,658 | $2,457 |
| Liberty Mutual | $1,866 | $1,866 | $1,866 |
| Nationwide | $2,446 | $2,446 | $2,446 |
| Progressive | $2,303 | $2,020 | $1,878 |
| State Farm | $3,221 | $2,061 | $1,602 |
| Travelers | $2,879 | $2,606 | $2,561 |
Buy Cheap Waynesville, NC Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Waynesville, North Carolina auto insurance rates? Find out how car insurance rates in Waynesville, NC are impacted by demographics.
| 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 | $4,968 | $4,968 | $4,074 | $4,074 | $12,070 | $12,070 | $5,066 | $5,066 |
| 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 | $1,562 | $1,562 | $1,441 | $1,441 | $3,546 | $3,546 | $1,719 | $1,719 |
| State Farm | $2,007 | $2,007 | $1,737 | $1,737 | $2,956 | $2,956 | $2,479 | $2,479 |
| Travelers | $2,272 | $2,272 | $2,253 | $2,253 | $3,870 | $3,870 | $2,332 | $2,332 |
Buy Cheap Waynesville, NC Auto Insurance for Teen Drivers
Auto insurance for teenagers in Waynesville can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Waynesville, NC are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $12,070 | $12,070 |
| Geico | $4,261 | $4,222 |
| Liberty Mutual | $2,754 | $2,754 |
| Nationwide | $3,544 | $3,544 |
| Progressive | $3,546 | $3,546 |
| State Farm | $2,956 | $2,956 |
| Travelers | $3,870 | $3,870 |
Buy Cheap Waynesville, NC Auto Insurance for Seniors
You can save on senior auto insurance rates in Waynesville, North Carolina by comparing Waynesville senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Waynesville, NC here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,074 | $4,074 |
| Geico | $2,238 | $2,195 |
| Liberty Mutual | $1,606 | $1,606 |
| Nationwide | $2,080 | $2,080 |
| Progressive | $1,441 | $1,441 |
| State Farm | $1,737 | $1,737 |
| Travelers | $2,253 | $2,253 |
Find Cheap Auto Insurance Rates in Waynesville, NC by Coverage Level
The amount of coverage you choose is a big factor in the cost of Waynesville, North Carolina auto insurance. Compare Waynesville, NC auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,349 | $6,524 | $6,761 |
| Geico | $2,559 | $2,663 | $2,794 |
| Liberty Mutual | $1,783 | $1,854 | $1,960 |
| Nationwide | $2,355 | $2,434 | $2,548 |
| Progressive | $1,974 | $2,055 | $2,172 |
| State Farm | $2,214 | $2,283 | $2,387 |
| Travelers | $2,579 | $2,668 | $2,798 |
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Find Cheap Waynesville, NC Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Waynesville. Compare auto insurance rates in Waynesville, NC by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $6,545 | $6,545 |
| Geico | $2,672 | $2,672 |
| Liberty Mutual | $1,866 | $1,866 |
| Nationwide | $2,446 | $2,446 |
| Progressive | $2,067 | $2,067 |
| State Farm | $2,286 | $2,303 |
| Travelers | $2,682 | $2,682 |
Find Cheap Waynesville, NC Auto Insurance Rates by ZIP Code
Auto insurance rates in Waynesville, North Carolina can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Waynesville, NC to see how much where you live in Waynesville affects the cost of car insurance.
| ZIP Code | Average Annual Rates |
|---|---|
| 28785 | $2,668 |
| 28786 | $2,662 |
Find Cheap Waynesville, NC Auto Insurance Rates by Driving Record
Auto insurance rates in Waynesville, North Carolina are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Waynesville, NC, take a look at the average cost for various violations versus rates for a clean driving record in Waynesville.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,557 | $6,219 | $11,600 | $4,804 |
| 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 | $985 | $1,440 | $4,450 | $1,392 |
| State Farm | $1,226 | $1,769 | $4,414 | $1,769 |
| Travelers | $1,568 | $2,106 | $5,000 | $2,053 |
Find Cheap Waynesville, NC Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Waynesville, North Carolina is higher than for a clean driving record. You can buy auto insurance after a DUI in Waynesville for less when you shop around and compare rates from multiple Waynesville, NC auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $11,600 |
| Geico | $5,019 |
| Liberty Mutual | $3,492 |
| Nationwide | $4,616 |
| Progressive | $4,450 |
| State Farm | $4,414 |
| Travelers | $5,000 |
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Winners by Category: Where to Buy Cheap Auto Insurance in Waynesville, NC
Compare rates from the cheapest auto insurance companies in Waynesville, NC for your needs. Take a look at how Waynesville, North Carolina auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | Liberty Mutual |
| Seniors | Progressive |
| Clean Record | Progressive |
| With 1 Accident | Liberty Mutual |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | Progressive |
Find Cheap Waynesville, North Carolina Auto Insurance Companies
If you’re looking for the cheapest Waynesville, NC auto insurance companies overall, you can compare them here. Find the best price for Waynesville, North Carolina car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,545 |
| Geico | $2,672 |
| Liberty Mutual | $1,866 |
| Nationwide | $2,446 |
| Progressive | $2,067 |
| State Farm | $2,295 |
| Travelers | $2,682 |
What affects Waynesville, North Carolina auto insurance rates?
Local factors affect auto insurance rates in Waynesville, NC, including traffic, theft statistics, and commute length. Take a look at the things that impact Waynesville auto insurance rates.
Commute Times in Waynesville
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Waynesville, NC is 20.3 minutes according to City-Data.
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Compare Auto Insurance Quotes in Waynesville, NC
You can buy cheap Waynesville, NC auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Waynesville, North Carolina auto insurance quotes from top companies.
Frequently Asked Questions
Is it possible to find affordable auto insurance in Waynesville, NC?
Yes, it is possible to find affordable auto insurance in Waynesville, NC. Insurance rates can vary depending on factors such as your driving record, the type of vehicle you drive, your location, and the coverage options you choose. By comparing quotes from different insurance providers and taking advantage of available discounts, you can find cost-effective auto insurance in Waynesville, NC.
What factors can impact the cost of auto insurance in Waynesville, NC?
Several factors can influence the cost of auto insurance in Waynesville, NC, including:
- Driving record: Your driving history, including accidents and traffic violations, can impact your insurance premiums. A clean driving record typically leads to lower rates.
- Location: The area you live in, including factors such as population density, crime rates, and accident statistics in Waynesville, NC, can affect your insurance rates.
- Vehicle type: The make, model, age, and safety features of your vehicle can impact your insurance premiums. Certain vehicles may be more expensive to insure due to higher repair costs or a higher likelihood of theft.
- Coverage options: The type and level of coverage you choose, such as liability, collision, and comprehensive coverage, will affect your insurance costs.
Are there any discounts available to help reduce the cost of auto insurance in Waynesville, NC?
Yes, there are several discounts that may be available to help lower the cost of auto insurance in Waynesville, NC:
- Safe driver discount: Maintaining a clean driving record without accidents or violations can make you eligible for a safe driver discount.
- Multi-policy discount: If you have multiple insurance policies with the same provider, such as home and auto insurance, you may qualify for a multi-policy discount.
- Good student discount: If you or a covered driver on your policy are a student with good grades, you may be eligible for a discount.
- Anti-theft discount: Installing anti-theft devices in your vehicle can often lead to a discount on your insurance premiums.
- Defensive driving discount: Completing a defensive driving course can sometimes qualify you for a discount on your auto insurance.
How can I find cheap auto insurance in Waynesville, NC?
To find cheap auto insurance in Waynesville, NC, consider the following steps:
- Shop around: Obtain quotes from multiple insurance providers to compare rates and coverage options.
- Utilize online comparison tools: Online platforms allow you to easily compare quotes from different insurance companies.
- Evaluate coverage needs: Assess your specific coverage requirements to determine the level of protection you need. Avoid over-insuring or under-insuring your vehicle.
- Increase deductibles: Opting for higher deductibles can lower your premiums, but be sure you can afford the deductible amount in case of a claim.
- Ask about discounts: Inquire with insurance providers about available discounts and see if you qualify for any.
- Consider local insurance providers: Local insurance companies may have competitive rates specific to Waynesville, NC.
Are there any specific considerations for insuring a vehicle in Waynesville, NC?
When insuring a vehicle in Waynesville, NC, it’s important to consider factors such as local driving conditions, weather patterns, and any specific insurance requirements mandated by the state of North Carolina. Additionally, ensure that you meet the minimum insurance coverage requirements set by the state. It’s recommended to consult with insurance professionals or obtain personalized quotes to get accurate information regarding your specific situation and coverage needs for insuring your vehicle in Waynesville, NC.
Compare Quotes From Top Companies and Save
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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.