Compare Point Harbor, NC Car Insurance Rates (2021)

Car insurance in Point Harbor, NC averages $271 a month. Point Harbor, North Carolina car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Point Harbor car insurance rates, compare quotes from the top car insurance companies in Point Harbor, 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 Point Harbor, NC are $3,249/year
  • The cheapest car insurance company in Point Harbor is Liberty Mutual
  • Average car insurance rates in Point Harbor, NC after a DUI are $6,144/year

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

You’ll find Point Harbor car insurance rates, the cheapest Point Harbor, NC car insurance companies, and information on North Carolina car insurance laws. You can also compare Point Harbor, North Carolina car insurance rates to Durham car insurance rates, Charlotte car insurance rates, and Wilmington car insurance rates.

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

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

How do age, gender, and marital status affect Point Harbor, NC car insurance rates? Every Point Harbor, 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 Point Harbor, 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 $5,383 $5,383 $4,431 $4,431 $12,633 $12,633 $5,489 $5,489
GEICO $2,252 $2,211 $2,218 $2,179 $4,058 $4,023 $1,982 $1,971
Liberty Mutual $1,661 $1,661 $1,718 $1,718 $2,909 $2,909 $1,661 $1,661
Nationwide $2,203 $2,203 $2,203 $2,203 $3,710 $3,710 $2,203 $2,203
Progressive $1,479 $1,479 $1,336 $1,336 $3,728 $3,728 $1,679 $1,679
State Farm $3,199 $3,199 $2,763 $2,763 $4,709 $4,709 $3,960 $3,960
Travelers $2,437 $2,437 $2,417 $2,417 $4,106 $4,106 $2,501 $2,501

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Minimum Car Insurance in Point Harbor, NC

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

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

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

Annual Car Insurance Rates by Credit Score in Point Harbor, North Carolina

Insurance Company Poor Fair Good
Allstate $9,487 $6,119 $5,345
GEICO $2,821 $2,599 $2,414
Liberty Mutual $1,987 $1,987 $1,987
Nationwide $2,580 $2,580 $2,580
Progressive $2,368 $1,996 $1,802
State Farm $5,152 $3,281 $2,541
Travelers $3,058 $2,784 $2,754

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

Annual Point Harbor, North Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,758 $6,651 $12,423 $5,103
GEICO $1,379 $2,062 $5,089 $1,915
Liberty Mutual $1,183 $1,520 $3,725 $1,520
Nationwide $1,516 $1,962 $4,879 $1,962
Progressive $960 $1,406 $4,492 $1,362
State Farm $1,931 $2,811 $7,080 $2,811
Travelers $1,707 $2,234 $5,319 $2,202

Cheapest Point Harbor, NC Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Point Harbor, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,633 $12,633
GEICO $4,058 $4,023
Liberty Mutual $2,909 $2,909
Nationwide $3,710 $3,710
Progressive $3,728 $3,728
State Farm $4,709 $4,709
Travelers $4,106 $4,106

Cheapest Point Harbor, NC Car Insurance for Seniors

Take a look at Point Harbor, 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 Point Harbor, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,431 $4,431
GEICO $2,218 $2,179
Liberty Mutual $1,718 $1,718
Nationwide $2,203 $2,203
Progressive $1,336 $1,336
State Farm $2,763 $2,763
Travelers $2,417 $2,417

Cheapest Point Harbor, NC Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Point Harbor, North Carolina

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $12,423
GEICO $5,089
Liberty Mutual $3,725
Nationwide $4,879
Progressive $4,492
State Farm $7,080
Travelers $5,319

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Cheapest Point Harbor, NC Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Point Harbor, North Carolina

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,984 $6,984
GEICO $2,611 $2,611
Liberty Mutual $1,987 $1,987
Nationwide $2,580 $2,580
Progressive $2,055 $2,055
State Farm $3,646 $3,670
Travelers $2,865 $2,865

The Best Cheap Car Insurance Companies in Point Harbor, NC

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

Average Annual Car Insurance Rates by Company in Point Harbor, North Carolina

Insurance Company Average Annual Rates
Allstate $6,984
GEICO $2,611
Liberty Mutual $1,987
Nationwide $2,580
Progressive $2,055
State Farm $3,658
Travelers $2,865

Category Winners: Cheapest Car Insurance in Point Harbor, North Carolina

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

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

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

Annual Car Insurance Rates by Coverage Level in Point Harbor, North Carolina

Insurance Company Low Medium High
Allstate $6,754 $6,958 $7,240
GEICO $2,495 $2,601 $2,739
Liberty Mutual $1,896 $1,974 $2,091
Nationwide $2,479 $2,567 $2,694
Progressive $1,951 $2,042 $2,173
State Farm $3,504 $3,640 $3,830
Travelers $2,751 $2,850 $2,995

Compare Car Insurance Quotes in Point Harbor, NC

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

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