Garner, NC Auto Insurance (2024)
The average Garner, NC auto insurance rates are $295 per month. The minimum auto insurance in Garner is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Garner, North Carolina, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest auto insurance company in Garner is Liberty Mutual
- The most expensive auto insurance company in Garner for teen drivers is Allstate
- Average auto insurance rates in Garner, NC for senior drivers are $2,655 per year
Garner, North Carolina auto insurance requirements are 30/60/25 according to North Carolina auto insurance laws. Finding cheap auto insurance in Garner can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Garner, North Carolina, including driving record, credit, commute time, and more.
Compare auto insurance in Garner to other North Carolina cities, including High Point auto insurance rates, Fayetteville auto insurance rates, and Concord auto insurance rates to see how Garner, North Carolina auto insurance rates stack up.
Before you buy Garner, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Garner, North Carolina auto insurance quotes.
Minimum Auto Insurance in Garner, North Carolina
Garner, North Carolina auto insurance laws require that you have at least the North Carolina minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance 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 |
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Cheap Garner, North Carolina Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Garner, North Carolina are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 |
Cheap Garner, North Carolina Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Garner, North Carolina is a challenge. Take a look at the annual teen auto insurance rates 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 |
Cheap Garner, North Carolina Auto Insurance for Seniors
What are senior auto insurance rates in Garner, North Carolina? Take a look at the annual average rates for older drivers.
| 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 |
Cheap Garner, North Carolina Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Garner, North Carolina compared to the annual auto insurance rates with a clean record in Garner, North Carolina.
| 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 |
Cheap Garner, North Carolina Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Garner, North Carolina is not easy. Compare the annual rates for DUI auto insurance in Garner, North Carolina to find the best deal.
| Insurance Company | Annual Auto 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 |
Cheap Garner, North Carolina Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Garner, North Carolina annual auto insurance rates by credit history compare.
| 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 |
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Cheap Garner, North Carolina Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Garner, North Carolina can vary. Compare the annual cost of auto insurance by ZIP code in Garner, North Carolina to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 27529 | $3,216 |
Cheap Garner, North Carolina Auto Insurance Rates By Commute
Commute length and annual mileage affect Garner, North Carolina auto insurance. Find the cheapest annual Garner, North Carolina auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 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 |
Cheap Garner, North Carolina Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Garner, North Carolina? Check out the comparison of annual Garner, North Carolina auto insurance rates by coverage level.
| 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 |
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Best By Category: Cheapest Auto Insurance in Garner, North Carolina
Compare the cheapest auto insurance companies in Garner, North Carolina in each category to find the company with the best rates for your personal needs.
| 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 |
The Cheapest Garner, North Carolina Auto Insurance Companies
What auto insurance companies in Garner, North Carolina are the cheapest? Compare the top Garner, North Carolina auto insurance companies to find the best annual rates.
| 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 |
What affects auto insurance rates in Garner, North Carolina?
There are a lot of reasons why auto insurance rates in Garner, North Carolina are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Garner, North Carolina. Many local factors may affect your Garner auto insurance rates.
Garner Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Garner, North Carolina commute length is 28.6 minutes according to City-Data.
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Compare Garner, North Carolina Auto Insurance Quotes
Before you buy Garner, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Garner, North Carolina auto insurance quotes.
Frequently Asked Questions
How can I find the best auto insurance in Garner, NC?
To find the best auto insurance in Garner, NC, consider the following steps:
- Shop around and compare quotes from multiple insurance companies.
- Evaluate the coverage options, including the types of coverage offered and their limits.
- Read customer reviews and ratings for different insurance companies.
- Consider the insurer’s reputation, financial stability, and customer service.
- Take note of any discounts or special offers provided by the insurance companies.
- Consult with an insurance agent or broker who can help you navigate the options and find the most suitable coverage for your needs.
Can I change my auto insurance policy mid-term?
Yes, you can make changes to your auto insurance policy mid-term. This can include changing coverage limits, adding or removing vehicles, or updating personal information. However, it’s important to note that any changes may impact your premium, and there may be certain restrictions or fees associated with policy modifications.
What should I do in case of an accident?
In case of an accident, follow these steps:
- Ensure your safety and the safety of others involved.
- Exchange information with the other driver(s) involved, including names, contact details, and insurance information.
- Document the accident by taking photos and gathering witness information if possible.
- Notify your insurance company about the accident and provide them with all the necessary details.
- Cooperate with the insurance company’s claims process and provide any requested documentation.
Are there any discounts available for auto insurance in Garner, NC?
Yes, insurance companies often offer various discounts to help you save on your auto insurance premiums. Some common discounts include:
- Good driver discount
- Multi-vehicle discount
- Bundling home and auto insurance
- Safety features discount (e.g., anti-theft devices, airbags)
- Defensive driving course discount
What are the minimum auto insurance requirements in Garner, NC?
In Garner, NC, the minimum auto insurance requirements are as follows:
- $30,000 bodily injury liability coverage per person
- $60,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.