Compare Emerald Isle, NC Car Insurance Rates (2021)

Car insurance in Emerald Isle, NC averages $255 a month. Emerald Isle, North Carolina car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Emerald Isle car insurance rates, compare quotes from the top car insurance companies in Emerald Isle, 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

  • Average car insurance rates in Emerald Isle, NC are $3,061/year
  • The cheapest car insurance company in Emerald Isle is Liberty Mutual
  • The cheapest car insurance company in Emerald Isle for teen drivers is Liberty Mutual

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

You’ll find Emerald Isle car insurance rates, the cheapest Emerald Isle, NC car insurance companies, and information on North Carolina car insurance laws. You can also compare Emerald Isle, North Carolina car insurance rates to Raleigh car insurance rates, Cary car insurance rates, and Fayetteville car insurance rates.

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

Cheapest Emerald Isle, NC Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Emerald Isle, NC car insurance rates? Every Emerald Isle, 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 Emerald Isle, 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 $5,314 $5,314 $4,364 $4,364 $12,687 $12,687 $5,419 $5,419
GEICO $2,174 $2,135 $2,144 $2,107 $3,938 $3,905 $1,918 $1,908
Liberty Mutual $1,637 $1,637 $1,694 $1,694 $2,887 $2,887 $1,637 $1,637
Nationwide $2,248 $2,248 $2,248 $2,248 $3,803 $3,803 $2,248 $2,248
Progressive $1,415 $1,415 $1,284 $1,284 $3,678 $3,678 $1,617 $1,617
State Farm $2,209 $2,209 $1,911 $1,911 $3,255 $3,255 $2,728 $2,728
Travelers $2,398 $2,398 $2,378 $2,378 $4,069 $4,069 $2,461 $2,461

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Minimum Car Insurance in Emerald Isle, NC

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

Minimum Required Car Insurance Coverage in Emerald Isle, 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 Emerald Isle, NC Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Emerald Isle, North Carolina

Insurance Company Poor Fair Good
Allstate $9,402 $6,098 $5,339
GEICO $2,727 $2,517 $2,341
Liberty Mutual $1,964 $1,964 $1,964
Nationwide $2,637 $2,637 $2,637
Progressive $2,306 $1,939 $1,751
State Farm $3,546 $2,268 $1,763
Travelers $3,015 $2,747 $2,718

Cheapest Emerald Isle, 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 Emerald Isle, NC to rates for a clean record with top companies.

Annual Emerald Isle, North Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,753 $6,625 $12,324 $5,082
GEICO $1,319 $1,985 $4,965 $1,845
Liberty Mutual $1,171 $1,503 $3,679 $1,503
Nationwide $1,551 $2,005 $4,985 $2,005
Progressive $932 $1,363 $4,380 $1,320
State Farm $1,355 $1,948 $4,852 $1,948
Travelers $1,687 $2,204 $5,241 $2,173

Cheapest Emerald Isle, NC Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Emerald Isle, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,687 $12,687
GEICO $3,938 $3,905
Liberty Mutual $2,887 $2,887
Nationwide $3,803 $3,803
Progressive $3,678 $3,678
State Farm $3,255 $3,255
Travelers $4,069 $4,069

Cheapest Emerald Isle, NC Car Insurance for Seniors

Take a look at Emerald Isle, 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 Emerald Isle, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,364 $4,364
GEICO $2,144 $2,107
Liberty Mutual $1,694 $1,694
Nationwide $2,248 $2,248
Progressive $1,284 $1,284
State Farm $1,911 $1,911
Travelers $2,378 $2,378

Cheapest Emerald Isle, NC Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Emerald Isle, North Carolina

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $12,324
GEICO $4,965
Liberty Mutual $3,679
Nationwide $4,985
Progressive $4,380
State Farm $4,852
Travelers $5,241

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Cheapest Emerald Isle, NC Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Emerald Isle, North Carolina

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,946 $6,946
GEICO $2,528 $2,528
Liberty Mutual $1,964 $1,964
Nationwide $2,637 $2,637
Progressive $1,999 $1,999
State Farm $2,514 $2,538
Travelers $2,827 $2,827

The Best Cheap Car Insurance Companies in Emerald Isle, NC

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

Average Annual Car Insurance Rates by Company in Emerald Isle, North Carolina

Insurance Company Average Annual Rates
Allstate $6,946
GEICO $2,528
Liberty Mutual $1,964
Nationwide $2,637
Progressive $1,999
State Farm $2,526
Travelers $2,827

Category Winners: Cheapest Car Insurance in Emerald Isle, North Carolina

Find the cheapest car insurance companies in Emerald Isle, NC for each category right here.

Best Annual Car Insurance Rates by Company in Emerald Isle, 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

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Cheapest Emerald Isle, NC Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Emerald Isle, North Carolina

Insurance Company Low Medium High
Allstate $6,698 $6,919 $7,221
GEICO $2,411 $2,519 $2,655
Liberty Mutual $1,871 $1,952 $2,069
Nationwide $2,531 $2,624 $2,755
Progressive $1,892 $1,986 $2,118
State Farm $2,418 $2,512 $2,647
Travelers $2,710 $2,811 $2,958

What affects car insurance rates in Emerald Isle, North Carolina?

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

Commute Time in Emerald Isle

The more time you spend in your car the higher the risk of an accident. The average commute length in Emerald Isle, NC is 29.7 minutes according to City-Data.

Compare Car Insurance Quotes in Emerald Isle, NC

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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