Cheapest Car Insurance Quotes in Archer Lodge

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Archer Lodge Car Insurance

^$ 32

/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 Archer Lodge

The car insurance rate in Archer Lodge is $870 for a six-month policy, which is $41 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $431, making it a popular choice for budget-conscious drivers. Rates in Archer Lodge 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 Archer Lodge

$870

Avg. Car Insurance in North Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Archer Lodge

1st place: Erie

At $431 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $524 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $592 for six months, making it the third cheapest auto insurance company in Archer Lodge.

Archer Lodge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Archer Lodge, NC is Erie, offering policies at just $431 for a six-month term. This is followed by Progressive, which has an average six-month premium of $524.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1597 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Archer Lodge drivers find the best deals.

Cheap Car Insurance Companies in Archer Lodge, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$431	$72
Progressive	$524	$88
State Farm	$592	$100
North Carolina Farm Bureau	$686	$116
Travelers	$798	$133
Farm Bureau	$861	$146
Nationwide	$923	$155
Farmers	$980	$165
Kemper	$1316	$219
Allstate	$1597	$269

Key Takeaways

Way's key takeaways about car insurance in Archer Lodge

The auto insurance costs in Archer Lodge fall around $431 for six months.
The cheapest auto insurance company in Archer Lodge is Erie.
Teen drivers pay the highest rate in Archer Lodge at $547 per month.

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

Cheapest Minimum Liability Car Insurance in Archer Lodge

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 Archer Lodge are given below.

Erie provides the cheapest minimum car insurance coverage in Archer Lodge. Their Average 6 Month Premium is $187. Allstate is the most expensive at $592 for the same period.

Cheapest Liability Coverage in Archer Lodge, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$187	$32
State Farm	$250	$42
Progressive	$268	$45
North Carolina Farm Bureau	$293	$49
Travelers	$350	$58
Farm Bureau	$356	$61
Nationwide	$362	$61
Farmers	$374	$64
National General	$380	$63
Penn National	$412	$70
Allstate	$592	$100

Cheapest Full Coverage Car Insurance in Archer Lodge

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 Archer Lodge is Erie at $72 per month and $431 for six months.

Cheapest Full Coverage Car Insurance Quotes in Archer Lodge, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$431	$72
Progressive	$524	$88
State Farm	$592	$100
North Carolina Farm Bureau	$686	$116
Travelers	$798	$133
Farm Bureau	$861	$146
Nationwide	$923	$155
Farmers	$980	$165
Kemper	$1316	$219
Allstate	$1597	$269

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Average Car Insurance in Archer Lodge 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 Archer Lodge, NC increasing?

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

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

Car Insurance Premiums by Age in Archer Lodge

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

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Cheapest Car Insurance Rates for Teen Drivers in Archer Lodge,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Archer Lodge at $92 per month. At $3280 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$549	$92
State Farm	$711	$120
Erie	$717	$121
North Carolina Farm Bureau	$1254	$211
Nationwide	$2713	$461
Allstate	$3280	$547

Teen Car Insurance Rates in NC by Age

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.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Archer Lodge, North Carolina Farm Bureau is the cheapest car insurance provider. At $187 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Archer Lodge is Allstate, offering rates of around $3786 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$187	$32
Erie	$212	$36
National General	$324	$56
Progressive	$380	$64
Nationwide	$705	$119
Farmers	$761	$127
Travelers	$1086	$185
Farm Bureau	$1229	$205
State Farm	$1534	$258
Allstate	$3786	$631

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Car Insurance Rates with An Accident in Archer Lodge

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 Archer Lodge, NC, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Archer Lodge

The cheapest car insurance companies after an at-fault accident in Archer Lodge include Progressive and Erie, offering $562 and $573, respectively. Allstate is an expensive provider with an average six-month premium of $2968.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$562	$95
Erie	$573	$97
State Farm	$630	$106
North Carolina Farm Bureau	$823	$139
Farmers	$1192	$198
Farm Bureau	$1347	$229
Nationwide	$1353	$228
Travelers	$1428	$243
Allstate	$2968	$500

Archer Lodge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Archer Lodge NC. For example, the car insurance in Archer Lodge after a DUI increases to $1940 for a six month policy. While the rate increases by $231 for a six-month policy in the case of a speeding ticket.

Archer Lodge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$599	$100
One Med/PIP claim	$599	$102
Not-at-fault accident	$605	$101
One comp claim	$617	$105
Two Med/PIP claims	$617	$103
Two comp claims	$636	$108
Failure to show documents	$705	$118
Child safety restraint	$780	$132
Driving without lights	$780	$130
Failure to wear a seat belt	$780	$132
Cell phone violation	$823	$138
Texting while driving	$823	$140
Speeding 6 - 10 MPH over limit	$830	$139
Driving with expired registration	$836	$142
Driving too slowly	$848	$142
Failure to stop at a red light	$848	$144
Failure to yield	$848	$142
Illegal turn	$848	$144
Open container	$848	$142
Operating a vehicle without permission	$848	$144
Wrong way/wrong lane	$848	$142
Speeding in school zone	$855	$145
At-fault accident - $1000-$2000	$861	$144
At-fault accident - less than $1000	$861	$146
In 65 MPH zone	$910	$152
Speeding 11 - 15 MPH over limit	$910	$154
Speeding 16 - 20 MPH over limit	$910	$152
Speeding 21 - 25 MPH over limit	$910	$154
Improper passing	$929	$155
Following too closely	$936	$160
At-fault accident - greater than $2000	$1004	$167
Passing school bus	$1141	$194
Reckless driving	$1154	$192
Driving with a suspended license	$1784	$303
Leaving scene of an accident/hit and run	$2507	$418
Refusal to submit to a chemical test	$2533	$431
DUI	$2539	$423
Racing	$2582	$439

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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 Archer Lodge 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 Archer Lodge.

The cheapest car insurance premiums in Archer Lodge are offered by National General at $431 for a six-month policy. However, it can be as expensive as $6880 with companies like Allstate.

Archer Lodge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$431	$74
Progressive	$1460	$246
Erie	$1584	$267
State Farm	$1610	$271
Farmers	$2851	$485
Travelers	$2981	$497
Nationwide	$3187	$537
North Carolina Farm Bureau	$3380	$569
Farm Bureau	$4952	$842
Allstate	$6880	$1158

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 Archer Lodge are offered by North Carolina Farm Bureau at $200. However, it can be as expensive as $2451 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Archer Lodge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$200	$34
Erie	$244	$41
National General	$418	$71
State Farm	$492	$83
Progressive	$518	$87
Nationwide	$923	$155
Farmers	$1010	$172
Farm Bureau	$1135	$189
Travelers	$1229	$209
Allstate	$2451	$408

Car Insurance Price Trends in Archer Lodge, North Carolina

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

The average cost of full coverage in the Archer Lodge rose by $125 in January compared to $120 of December. In other words, there has been an increase by $5 when you compare January and December.

The average cost of liability insurance in the Archer Lodge dipped to $56 in January, compared to $58 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Archer Lodge?

The car insurance in Archer Lodge is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Archer Lodge?

The cheapest car insurance in Archer Lodge is $72 per month for full coverage.

How much is car insurance in Archer Lodge for teenagers?

Car insurance for teenagers costs $549 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 Archer Lodge?

The average cost of car insurance is $829 for a six-month policy. It will cost around $146 per month to insure your car in Archer Lodge.

Is car insurance expensive in Archer Lodge?

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

Cheapest Car Insurance Quotes in Archer Lodge

Why you can trust Way?

How Much Is Car Insurance in Archer Lodge

Avg. Car Insurance in Archer Lodge

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Archer Lodge

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Archer Lodge Car Insurance Rates by Company

Cheap Car Insurance Companies in Archer Lodge, NC

Way's key takeaways about car insurance in Archer Lodge

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Archer Lodge

Cheapest Liability Coverage in Archer Lodge, NC

Cheapest Full Coverage Car Insurance in Archer Lodge

Cheapest Full Coverage Car Insurance Quotes in Archer Lodge, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Archer Lodge by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Archer Lodge, NC increasing?

Car Insurance Premiums by Age in Archer Lodge

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Archer Lodge,NC

If you are in your twenties N/A is the best choice for car insurance in Archer Lodge.

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 Archer Lodge

Cheapest Car Insurance Companies after an At-Fault Accident in Archer Lodge

Archer Lodge Car Insurance Rates by Violation

Archer Lodge auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Archer Lodge after a DUI

Archer Lodge car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Archer Lodge after Speeding ticket

Car Insurance Price Trends in Archer Lodge, North Carolina

Average Car Insurance Cost in Archer Lodge by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Archer Lodge, NC

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

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