Compare Chapel Hill, NC Car Insurance Rates (2021)

Car insurance in Chapel Hill, NC averages $250 a month. Chapel Hill, North Carolina car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Chapel Hill car insurance rates, compare quotes from the top car insurance companies in Chapel Hill, NC.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Chapel Hill is 27516
  • Average car insurance rates in Chapel Hill, NC are $3,006/year
  • Average car insurance rates in Chapel Hill, NC after a DUI are $5,649/year

If you need to buy Chapel Hill, North Carolina car insurance, the options can be confusing. Everything you need to know about car insurance in Chapel Hill, NC is right here.

You’ll find Chapel Hill car insurance rates, the cheapest Chapel Hill, NC car insurance companies, and information on North Carolina car insurance laws. You can also compare Chapel Hill, North Carolina car insurance rates to High Point car insurance rates, Fayetteville car insurance rates, and Durham car insurance rates.

Ready to find affordable Chapel Hill, NC car insurance today? Enter your ZIP code for fast, free Chapel Hill car insurance quotes.

Cheapest Chapel Hill, NC Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Chapel Hill, NC car insurance rates? Every Chapel Hill, North Carolina car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Chapel Hill, 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 $5,115 $5,115 $4,200 $4,200 $12,239 $12,239 $5,215 $5,215
GEICO $2,241 $2,197 $2,205 $2,163 $4,154 $4,117 $1,952 $1,940
Liberty Mutual $1,529 $1,529 $1,582 $1,582 $2,695 $2,695 $1,529 $1,529
Nationwide $2,037 $2,037 $2,037 $2,037 $3,448 $3,448 $2,037 $2,037
Progressive $1,570 $1,570 $1,432 $1,432 $3,727 $3,727 $1,757 $1,757
State Farm $2,408 $2,408 $2,082 $2,082 $3,544 $3,544 $2,977 $2,977
Travelers $2,233 $2,233 $2,215 $2,215 $3,773 $3,773 $2,292 $2,292

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Minimum Car Insurance in Chapel Hill, NC

Every driver must carry the minimum car insurance in Chapel Hill, NC. Take a look at the North Carolina car insurance requirements.

Minimum Required Car Insurance Coverage in Chapel Hill, 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

Cheapest Chapel Hill, NC Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Chapel Hill, NC. Compare credit history car insurance rates in Chapel Hill from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Chapel Hill, North Carolina

Insurance Company Poor Fair Good
Allstate $9,056 $5,880 $5,140
GEICO $2,846 $2,607 $2,410
Liberty Mutual $1,834 $1,834 $1,834
Nationwide $2,390 $2,390 $2,390
Progressive $2,397 $2,069 $1,898
State Farm $3,870 $2,471 $1,918
Travelers $2,822 $2,554 $2,509

Cheapest Chapel Hill, NC Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Chapel Hill, NC to rates for a clean record with top companies.

Annual Chapel Hill, North Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,620 $6,378 $11,873 $4,898
GEICO $1,464 $2,129 $4,919 $1,972
Liberty Mutual $1,094 $1,403 $3,434 $1,403
Nationwide $1,408 $1,818 $4,514 $1,818
Progressive $1,006 $1,466 $4,594 $1,419
State Farm $1,465 $2,120 $5,307 $2,120
Travelers $1,535 $2,063 $4,904 $2,011

Cheapest Chapel Hill, NC Car Insurance for Teen Drivers

Teen car insurance in Chapel Hill, NC can be expensive. Take a look at rates from the top car insurance companies in Chapel Hill for teenagers.

Annual Car Insurance Rates for Teen Drivers in Chapel Hill, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,239 $12,239
GEICO $4,154 $4,117
Liberty Mutual $2,695 $2,695
Nationwide $3,448 $3,448
Progressive $3,727 $3,727
State Farm $3,544 $3,544
Travelers $3,773 $3,773

Cheapest Chapel Hill, NC Car Insurance for Seniors

Take a look at Chapel Hill, NC senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Chapel Hill, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,200 $4,200
GEICO $2,205 $2,163
Liberty Mutual $1,582 $1,582
Nationwide $2,037 $2,037
Progressive $1,432 $1,432
State Farm $2,082 $2,082
Travelers $2,215 $2,215

Cheapest Chapel Hill, NC Car Insurance Rates After a DUI

A DUI in Chapel Hill, NC increases car insurance rates. Compare Chapel Hill, North Carolina DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Chapel Hill, North Carolina

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $11,873
GEICO $4,919
Liberty Mutual $3,434
Nationwide $4,514
Progressive $4,594
State Farm $5,307
Travelers $4,904

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Cheapest Chapel Hill, NC Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Chapel Hill, NC by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Chapel Hill, North Carolina

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,692 $6,692
GEICO $2,621 $2,621
Liberty Mutual $1,834 $1,834
Nationwide $2,390 $2,390
Progressive $2,121 $2,121
State Farm $2,742 $2,764
Travelers $2,628 $2,628

Cheapest Chapel Hill, NC Car Insurance Rates by ZIP Code

Chapel Hill car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Chapel Hill, NC.

Annual Car Insurance Rates by ZIP Code in Chapel Hill, North Carolina

ZIP Code Average Annual Rates
27514 $2,650
27516 $2,622
27517 $2,640
27599 $2,846

The Best Cheap Car Insurance Companies in Chapel Hill, NC

Take a look at a side-by-side comparison of the top car insurance companies in Chapel Hill, NC to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Chapel Hill, North Carolina

Insurance Company Average Annual Rates
Allstate $6,692
GEICO $2,621
Liberty Mutual $1,834
Nationwide $2,390
Progressive $2,121
State Farm $2,753
Travelers $2,628

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Category Winners: Cheapest Car Insurance in Chapel Hill, North Carolina

Find the cheapest car insurance companies in Chapel Hill, NC for each category right here.

Best Annual Car Insurance Rates by Company in Chapel Hill, North Carolina

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 Liberty Mutual

Cheapest Chapel Hill, NC Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Chapel Hill car insurance rates. Find the cheapest Chapel Hill, NC car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Chapel Hill, North Carolina

Insurance Company Low Medium High
Allstate $6,471 $6,667 $6,939
GEICO $2,515 $2,611 $2,737
Liberty Mutual $1,754 $1,822 $1,925
Nationwide $2,302 $2,378 $2,489
Progressive $2,018 $2,108 $2,238
State Farm $2,651 $2,739 $2,869
Travelers $2,530 $2,614 $2,741

What affects car insurance rates in Chapel Hill, North Carolina?

What factors can have an impact on Chapel Hill, NC car insurance? There are several reasons why Chapel Hill car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Chapel Hill, North Carolina.

Commute Time in Chapel Hill

The more time you spend in your car the higher the risk of an accident. The average commute length in Chapel Hill, NC is 19.8 minutes according to City-Data.

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Compare Car Insurance Quotes in Chapel Hill, NC

Ready to find affordable Chapel Hill, North Carolina car insurance today? Enter your ZIP code for fast, free Chapel Hill, NC car insurance quotes.

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