Compare Montreat, NC Car Insurance Rates (2021)

Car insurance in Montreat, NC averages $256 a month. Montreat, North Carolina car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Montreat car insurance rates, compare quotes from the top car insurance companies in Montreat, 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 Montreat, NC are $3,075/year
  • Average car insurance rates in Montreat, NC after a DUI are $5,792/year
  • The cheapest car insurance company in Montreat is Liberty Mutual

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

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

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

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

How do age, gender, and marital status affect Montreat, NC car insurance rates? Every Montreat, 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 Montreat, 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 $4,693 $4,693 $3,852 $3,852 $11,267 $11,267 $4,785 $4,785
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 $1,540 $1,540 $1,411 $1,411 $3,559 $3,559 $1,708 $1,708
State Farm $3,198 $3,198 $2,762 $2,762 $4,703 $4,703 $3,959 $3,959
Travelers $2,272 $2,272 $2,253 $2,253 $3,870 $3,870 $2,332 $2,332

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Minimum Car Insurance in Montreat, NC

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

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

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

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

Insurance Company Poor Fair Good
Allstate $8,304 $5,412 $4,731
GEICO $2,901 $2,658 $2,457
Liberty Mutual $1,866 $1,866 $1,866
Nationwide $2,446 $2,446 $2,446
Progressive $2,302 $2,008 $1,853
State Farm $5,150 $3,278 $2,538
Travelers $2,879 $2,606 $2,561

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

Annual Montreat, North Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,331 $5,866 $10,896 $4,503
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 $973 $1,425 $4,442 $1,377
State Farm $1,927 $2,808 $7,080 $2,808
Travelers $1,568 $2,106 $5,000 $2,053

Cheapest Montreat, NC Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,267 $11,267
GEICO $4,261 $4,222
Liberty Mutual $2,754 $2,754
Nationwide $3,544 $3,544
Progressive $3,559 $3,559
State Farm $4,703 $4,703
Travelers $3,870 $3,870

Cheapest Montreat, NC Car Insurance for Seniors

Take a look at Montreat, 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 Montreat, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,852 $3,852
GEICO $2,238 $2,195
Liberty Mutual $1,606 $1,606
Nationwide $2,080 $2,080
Progressive $1,411 $1,411
State Farm $2,762 $2,762
Travelers $2,253 $2,253

Cheapest Montreat, NC Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $10,896
GEICO $5,019
Liberty Mutual $3,492
Nationwide $4,616
Progressive $4,442
State Farm $7,080
Travelers $5,000

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Cheapest Montreat, NC Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,149 $6,149
GEICO $2,672 $2,672
Liberty Mutual $1,866 $1,866
Nationwide $2,446 $2,446
Progressive $2,054 $2,054
State Farm $3,643 $3,668
Travelers $2,682 $2,682

The Best Cheap Car Insurance Companies in Montreat, NC

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

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

Insurance Company Average Annual Rates
Allstate $6,149
GEICO $2,672
Liberty Mutual $1,866
Nationwide $2,446
Progressive $2,054
State Farm $3,655
Travelers $2,682

Category Winners: Cheapest Car Insurance in Montreat, North Carolina

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

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

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

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

Insurance Company Low Medium High
Allstate $5,949 $6,128 $6,370
GEICO $2,559 $2,663 $2,794
Liberty Mutual $1,783 $1,854 $1,960
Nationwide $2,355 $2,434 $2,548
Progressive $1,962 $2,042 $2,159
State Farm $3,502 $3,637 $3,827
Travelers $2,579 $2,668 $2,798

What affects car insurance rates in Montreat, North Carolina?

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

Commute Time in Montreat

The more time you spend in your car the higher the risk of an accident. The average commute length in Montreat, NC is 13.1 minutes according to City-Data.

Compare Car Insurance Quotes in Montreat, NC

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

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