Cheapest Car Insurance Quotes in Pinehurst

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Pinehurst Car Insurance

^$ 17

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Pinehurst

The car insurance rate in Pinehurst is $1563 for a six-month policy, which is $31 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $455, making it a popular choice for budget-conscious drivers. Rates in Pinehurst can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Pinehurst

$1563

Avg. Car Insurance in Massachusetts

$1532

National Average

$1140

Cheapest Car Insurance Companies in Pinehurst

1st place: Safety Group

At $455 for a six month policy, Safety Group offers the cheapest auto insurance rates in the city.

2nd place: Vermont Mutual

Vermont Mutual offers auto insurance rates at $533 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Safety

Safety offers auto insurance rates at $678 for six months, making it the third cheapest auto insurance company in Pinehurst.

Pinehurst Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pinehurst, MA is Safety Group, offering policies at just $455 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $533.

At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $5065 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pinehurst drivers find the best deals.

Cheap Car Insurance Companies in Pinehurst, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$455	$75
Vermont Mutual	$533	$91
Safety	$678	$113
American Family	$763	$129
Hanover	$843	$142
Arbella	$855	$145
State Farm	$927	$156
Norfolk & Dedham	$1018	$173
Farmers	$1072	$179
Norfolk & Dedham Mutl Fire Ins	$1078	$184
Travelers	$1206	$201
Plymouth Rock	$1399	$236
Progressive	$2036	$343
USAA	$2720	$458
Allstate	$4369	$735
Amica Mutual	$5065	$861

Key Takeaways

Way's key takeaways about car insurance in Pinehurst

The auto insurance costs in Pinehurst fall around $455 for six months.
The cheapest auto insurance company in Pinehurst is State Farm.
Teen drivers pay the highest rate in Pinehurst at $786 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Pinehurst

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Pinehurst are given below.

State Farm provides the cheapest minimum car insurance coverage in Pinehurst. Their Average 6 Month Premium is $103. Allstate is the most expensive at $466 for the same period.

Cheapest Liability Coverage in Pinehurst, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$103	$17
Safety Group	$146	$24
Vermont Mutual	$152	$26
American Family	$182	$31
Hanover	$206	$35
Plymouth Rock	$224	$38
Amica Mutual	$243	$41
Chubb	$243	$41
USAA	$260	$44
Norfolk & Dedham Mutl Fire Ins	$266	$45
Farmers	$278	$47
Safety	$291	$49
Norfolk & Dedham	$297	$50
The Hanover	$297	$50
Amica	$303	$51
Arbella	$315	$54
Travelers	$334	$56
Progressive	$449	$75
Allstate	$466	$78

Cheapest Full Coverage Car Insurance in Pinehurst

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Pinehurst is Safety Group at $75 per month and $455 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pinehurst, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$455	$75
Vermont Mutual	$533	$91
Safety	$678	$113
American Family	$763	$129
Hanover	$843	$142
Arbella	$855	$145
State Farm	$927	$156
Norfolk & Dedham	$1018	$173
Farmers	$1072	$179
Norfolk & Dedham Mutl Fire Ins	$1078	$184
Travelers	$1206	$201
Plymouth Rock	$1399	$236
Progressive	$2036	$343
USAA	$2720	$458
Allstate	$4369	$735
Amica Mutual	$5065	$861

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Average Car Insurance in Pinehurst by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Pinehurst, MA increasing?

Despite maintaining a clean driving record, your car insurance rates in Pinehurst, Massachusetts, may be increasing due to several external factors. Massachusetts has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Pinehurst's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Pinehurst

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	State Farm	$366
30s	State Farm	$296
40s	State Farm	$296
50s	State Farm	$296
60s	State Farm	$261
70s	State Farm	$225

Cheapest Car Insurance Rates for Teen Drivers in Pinehurst,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Pinehurst at $27 per month. At $4623 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$157	$27
Vermont Mutual	$169	$29
Hanover	$194	$33
American Family	$212	$36
Safety	$272	$46
Farmers	$315	$54
State Farm	$455	$77
Plymouth Rock	$727	$122
USAA	$1115	$188
Amica Mutual	$2472	$420
Progressive	$3114	$519
Allstate	$4623	$786

Teen Car Insurance Rates in MA by Age

Way Tip

If you are in your twenties State Farm is the best choice for car insurance in Pinehurst.

As young drivers face the highest rates in Pinehurst, State Farm offers the cheapest auto insurance rates at $366 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Pinehurst.

Car Insurance Rates with An Accident in Pinehurst

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Pinehurst, MA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Pinehurst

The cheapest car insurance companies after an at-fault accident in Pinehurst include American Family and Safety Group, offering $249 and $278, respectively. Allstate is an expensive provider with an average six-month premium of $2084.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$249	$42
Safety Group	$278	$47
Vermont Mutual	$285	$48
State Farm	$303	$51
Norfolk & Dedham	$478	$80
The Hanover	$515	$88
Plymouth Rock	$557	$94
Arbella	$697	$117
Safety	$733	$123
USAA	$849	$143
Travelers	$1127	$190
Hanover	$1145	$193
Progressive	$1290	$217
Amica Mutual	$1352	$230
Farmers	$1975	$329
Allstate	$2084	$354

Pinehurst Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pinehurst MA. For example, the car insurance in Pinehurst after a DUI increases to $758 for a six month policy. While the rate increases by $200 for a six-month policy in the case of a speeding ticket.

Pinehurst auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$806	$135
One Med/PIP claim	$806	$137
Not-at-fault accident	$830	$139
One comp claim	$830	$141
Two Med/PIP claims	$830	$139
Two comp claims	$860	$146
At-fault accident - less than $1000	$890	$149
Child safety restraint	$921	$157
Driving without lights	$921	$153
Failure to wear a seat belt	$933	$159
Cell phone violation	$1000	$166
Texting while driving	$1000	$170
Driving too slowly	$1006	$167
Failure to stop at a red light	$1006	$171
Failure to yield	$1006	$167
Following too closely	$1006	$171
Illegal turn	$1006	$167
Improper passing	$1006	$171
Speeding 11 - 15 MPH over limit	$1006	$167
Speeding 16 - 20 MPH over limit	$1006	$171
Speeding 6 - 10 MPH over limit	$1006	$167
Speeding in school zone	$1006	$171
Wrong way/wrong lane	$1006	$167
In 65 MPH zone	$1012	$172
Speeding 21 - 25 MPH over limit	$1012	$168
Operating a vehicle without permission	$1018	$173
Passing school bus	$1061	$176
At-fault accident - $1000-$2000	$1248	$212
Failure to show documents	$1272	$212
At-fault accident - greater than $2000	$1278	$217
Driving with expired registration	$1284	$214
Open container	$1358	$231
Reckless driving	$1466	$245
Refusal to submit to a chemical test	$1496	$254
Driving with a suspended license	$1558	$259
Racing	$1558	$265
DUI	$1564	$260
Leaving scene of an accident/hit and run	$1581	$269

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Pinehurst after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Pinehurst.

The cheapest car insurance premiums in Pinehurst are offered by American Family at $303 for a six-month policy. However, it can be as expensive as $2587 with companies like Allstate.

Pinehurst car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$303	$51
Safety Group	$334	$57
Vermont Mutual	$346	$57
State Farm	$369	$62
Plymouth Rock	$672	$113
Progressive	$740	$124
Hanover	$939	$158
Arbella	$1018	$171
USAA	$1442	$243
Safety	$1509	$256
Amica Mutual	$1764	$294
Travelers	$1848	$314
Farmers	$2290	$381
Allstate	$2587	$440

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Pinehurst are offered by State Farm at $134. However, it can be as expensive as $1593 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Pinehurst after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$134	$22
Safety Group	$175	$30
Vermont Mutual	$200	$34
American Family	$249	$42
Plymouth Rock	$600	$101
Safety	$849	$144
Arbella	$855	$143
USAA	$878	$149
Hanover	$1049	$176
Progressive	$1121	$191
Farmers	$1352	$225
Travelers	$1593	$271

Car Insurance Price Trends in Pinehurst, Massachusetts

Car insurance rates in Pinehurst have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Pinehurst dipped by $222 in December compared to $226 of November. In other words, there has been an decrease by $4 when you compare December and November.

The average cost of liability insurance in the Pinehurst rose to $44 in December, compared to $43 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Pinehurst?

The car insurance in Pinehurst is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Pinehurst?

The cheapest car insurance in Pinehurst is $75 per month for full coverage.

How much is car insurance in Pinehurst for teenagers?

Car insurance for teenagers costs $157 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Pinehurst?

The average cost of car insurance is $1532 for a six-month policy. It will cost around $263 per month to insure your car in Pinehurst.

Is car insurance expensive in Pinehurst?

Car insurance can be expensive in Pinehurst if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Pinehurst can be affordable.

Cheapest Car Insurance Quotes in Pinehurst

Why you can trust Way?

How Much Is Car Insurance in Pinehurst

Avg. Car Insurance in Pinehurst

Avg. Car Insurance in Massachusetts

National Average

Cheapest Car Insurance Companies in Pinehurst

1st place: Safety Group

2nd place: Vermont Mutual

3rd place: Safety

Pinehurst Car Insurance Rates by Company

Cheap Car Insurance Companies in Pinehurst, MA

Way's key takeaways about car insurance in Pinehurst

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Pinehurst

Cheapest Liability Coverage in Pinehurst, MA

Cheapest Full Coverage Car Insurance in Pinehurst

Cheapest Full Coverage Car Insurance Quotes in Pinehurst, MA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Pinehurst by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Pinehurst, MA increasing?

Car Insurance Premiums by Age in Pinehurst

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Pinehurst,MA

If you are in your twenties State Farm is the best choice for car insurance in Pinehurst.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Pinehurst

Cheapest Car Insurance Companies after an At-Fault Accident in Pinehurst

Pinehurst Car Insurance Rates by Violation

Pinehurst auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Pinehurst after a DUI

Pinehurst car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Pinehurst after Speeding ticket

Car Insurance Price Trends in Pinehurst, Massachusetts

Average Car Insurance Cost in Pinehurst by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Pinehurst, MA

Car Insurance Rates by State in the USA (2025 Update)

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