Compare Garner, NC Car Insurance Rates (2021)

Car insurance in Garner, NC averages $295 a month. Garner, North Carolina car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Garner car insurance rates, compare quotes from the top car insurance companies in Garner, 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 car insurance company in Garner is Liberty Mutual
  • The cheapest car insurance company in Garner for teen drivers is Liberty Mutual
  • Average car insurance rates in Garner, NC are $3,538/year

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

You’ll find Garner car insurance rates, the cheapest Garner, NC car insurance companies, and information on North Carolina car insurance laws. You can also compare Garner, North Carolina car insurance rates to Winston-Salem car insurance rates, Raleigh car insurance rates, and Wilmington car insurance rates.

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

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

How do age, gender, and marital status affect Garner, NC car insurance rates? Every Garner, 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 Garner, 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 $5,769 $5,769 $4,727 $4,727 $13,992 $13,992 $5,882 $5,882
GEICO $2,540 $2,495 $2,508 $2,464 $4,639 $4,599 $2,238 $2,225
Liberty Mutual $1,898 $1,898 $1,965 $1,965 $3,353 $3,353 $1,898 $1,898
Nationwide $2,601 $2,601 $2,601 $2,601 $4,403 $4,403 $2,601 $2,601
Progressive $1,811 $1,811 $1,659 $1,659 $4,263 $4,263 $2,018 $2,018
State Farm $2,771 $2,771 $2,396 $2,396 $4,088 $4,088 $3,426 $3,426
Travelers $2,775 $2,775 $2,753 $2,753 $4,714 $4,714 $2,849 $2,849

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Minimum Car Insurance in Garner, NC

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

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

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

Annual Car Insurance Rates by Credit Score in Garner, North Carolina

Insurance Company Poor Fair Good
Allstate $10,247 $6,672 $5,859
GEICO $3,199 $2,950 $2,742
Liberty Mutual $2,279 $2,279 $2,279
Nationwide $3,052 $3,052 $3,052
Progressive $2,748 $2,375 $2,191
State Farm $4,455 $2,846 $2,209
Travelers $3,490 $3,181 $3,148

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

Annual Garner, North Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,120 $7,252 $13,437 $5,562
GEICO $1,556 $2,337 $5,789 $2,172
Liberty Mutual $1,357 $1,743 $4,271 $1,743
Nationwide $1,793 $2,321 $5,773 $2,321
Progressive $1,160 $1,687 $5,270 $1,634
State Farm $1,688 $2,441 $6,110 $2,441
Travelers $1,953 $2,551 $6,071 $2,516

Cheapest Garner, NC Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Garner, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,992 $13,992
GEICO $4,639 $4,599
Liberty Mutual $3,353 $3,353
Nationwide $4,403 $4,403
Progressive $4,263 $4,263
State Farm $4,088 $4,088
Travelers $4,714 $4,714

Cheapest Garner, NC Car Insurance for Seniors

Take a look at Garner, 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 Garner, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,727 $4,727
GEICO $2,508 $2,464
Liberty Mutual $1,965 $1,965
Nationwide $2,601 $2,601
Progressive $1,659 $1,659
State Farm $2,396 $2,396
Travelers $2,753 $2,753

Cheapest Garner, NC Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Garner, North Carolina

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $13,437
GEICO $5,789
Liberty Mutual $4,271
Nationwide $5,773
Progressive $5,270
State Farm $6,110
Travelers $6,071

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Cheapest Garner, NC Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Garner, North Carolina

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,593 $7,593
GEICO $2,964 $2,964
Liberty Mutual $2,279 $2,279
Nationwide $3,052 $3,052
Progressive $2,438 $2,438
State Farm $3,158 $3,182
Travelers $3,273 $3,273

The Best Cheap Car Insurance Companies in Garner, NC

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

Average Annual Car Insurance Rates by Company in Garner, North Carolina

Insurance Company Average Annual Rates
Allstate $7,593
GEICO $2,964
Liberty Mutual $2,279
Nationwide $3,052
Progressive $2,438
State Farm $3,170
Travelers $3,273

Category Winners: Cheapest Car Insurance in Garner, North Carolina

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

Best Annual Car Insurance Rates by Company in Garner, 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 Garner, NC Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Garner, North Carolina

Insurance Company Low Medium High
Allstate $7,292 $7,561 $7,925
GEICO $2,822 $2,952 $3,116
Liberty Mutual $2,165 $2,264 $2,406
Nationwide $2,921 $3,037 $3,198
Progressive $2,306 $2,423 $2,585
State Farm $3,027 $3,154 $3,330
Travelers $3,130 $3,255 $3,434

What affects car insurance rates in Garner, North Carolina?

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

Commute Time in Garner

The more time you spend in your car the higher the risk of an accident. The average commute length in Garner, NC is 28.6 minutes according to City-Data.

Compare Car Insurance Quotes in Garner, NC

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

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