Cheapest Car Insurance Quotes in Beaufort

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Beaufort Car Insurance

^$ 25

/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 Beaufort

The car insurance rate in Beaufort is $696 for a six-month policy, which is $133 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $344, making it a popular choice for budget-conscious drivers. Rates in Beaufort 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 Beaufort

$696

Avg. Car Insurance in North Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Beaufort

1st place: Erie

At $344 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $419 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 $474 for six months, making it the third cheapest auto insurance company in Beaufort.

Beaufort Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Beaufort, NC is Erie, offering policies at just $344 for a six-month term. This is followed by Progressive, which has an average six-month premium of $419.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1278 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Beaufort drivers find the best deals.

Cheap Car Insurance Companies in Beaufort, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$344	$58
Progressive	$419	$71
State Farm	$474	$80
North Carolina Farm Bureau	$549	$92
Travelers	$638	$107
Farm Bureau	$689	$117
Nationwide	$738	$124
Farmers	$784	$132
Kemper	$1053	$176
Allstate	$1278	$215

Key Takeaways

Way's key takeaways about car insurance in Beaufort

The auto insurance costs in Beaufort fall around $344 for six months.
The cheapest auto insurance company in Beaufort is Erie.
Teen drivers pay the highest rate in Beaufort at $438 per month.

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Cheapest Minimum Liability Car Insurance in Beaufort

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 Beaufort are given below.

Erie provides the cheapest minimum car insurance coverage in Beaufort. Their Average 6 Month Premium is $150. Allstate is the most expensive at $474 for the same period.

Cheapest Liability Coverage in Beaufort, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$150	$25
State Farm	$200	$34
Progressive	$214	$36
North Carolina Farm Bureau	$234	$39
Travelers	$280	$46
Farm Bureau	$285	$49
Nationwide	$290	$49
Farmers	$299	$51
National General	$304	$50
Penn National	$329	$56
Allstate	$474	$80

Cheapest Full Coverage Car Insurance in Beaufort

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 Beaufort is Erie at $58 per month and $344 for six months.

Cheapest Full Coverage Car Insurance Quotes in Beaufort, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$344	$58
Progressive	$419	$71
State Farm	$474	$80
North Carolina Farm Bureau	$549	$92
Travelers	$638	$107
Farm Bureau	$689	$117
Nationwide	$738	$124
Farmers	$784	$132
Kemper	$1053	$176
Allstate	$1278	$215

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Average Car Insurance in Beaufort 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 Beaufort, NC increasing?

Despite maintaining a clean driving record, your car insurance rates in Beaufort, 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, Beaufort's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Beaufort

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 Beaufort,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Beaufort at $74 per month. At $2624 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$439	$74
State Farm	$569	$96
Erie	$574	$97
North Carolina Farm Bureau	$1003	$169
Nationwide	$2171	$369
Allstate	$2624	$438

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 Beaufort, North Carolina Farm Bureau is the cheapest car insurance provider. At $150 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 Beaufort is Allstate, offering rates of around $3029 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$150	$25
Erie	$170	$29
National General	$260	$45
Progressive	$304	$51
Nationwide	$564	$95
Farmers	$609	$102
Travelers	$869	$148
Farm Bureau	$983	$164
State Farm	$1227	$207
Allstate	$3029	$505

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Car Insurance Rates with An Accident in Beaufort

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

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

The cheapest car insurance companies after an at-fault accident in Beaufort include Progressive and Erie, offering $449 and $459, respectively. Allstate is an expensive provider with an average six-month premium of $2375.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$449	$76
Erie	$459	$77
State Farm	$504	$85
North Carolina Farm Bureau	$659	$111
Farmers	$953	$159
Farm Bureau	$1078	$183
Nationwide	$1083	$182
Travelers	$1142	$194
Allstate	$2375	$400

Beaufort Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Beaufort NC. For example, the car insurance in Beaufort after a DUI increases to $1552 for a six month policy. While the rate increases by $185 for a six-month policy in the case of a speeding ticket.

Beaufort auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$479	$80
One Med/PIP claim	$479	$81
Not-at-fault accident	$484	$81
One comp claim	$494	$84
Two Med/PIP claims	$494	$82
Two comp claims	$509	$87
Failure to show documents	$564	$94
Child safety restraint	$624	$106
Driving without lights	$624	$104
Failure to wear a seat belt	$624	$106
Cell phone violation	$659	$110
Texting while driving	$659	$112
Speeding 6 - 10 MPH over limit	$664	$111
Driving with expired registration	$669	$113
Driving too slowly	$679	$113
Failure to stop at a red light	$679	$115
Failure to yield	$679	$113
Illegal turn	$679	$115
Open container	$679	$113
Operating a vehicle without permission	$679	$115
Wrong way/wrong lane	$679	$113
Speeding in school zone	$684	$116
At-fault accident - $1000-$2000	$689	$115
At-fault accident - less than $1000	$689	$117
In 65 MPH zone	$728	$122
Speeding 11 - 15 MPH over limit	$728	$123
Speeding 16 - 20 MPH over limit	$728	$122
Speeding 21 - 25 MPH over limit	$728	$123
Improper passing	$743	$124
Following too closely	$748	$128
At-fault accident - greater than $2000	$803	$134
Passing school bus	$913	$155
Reckless driving	$923	$154
Driving with a suspended license	$1427	$243
Leaving scene of an accident/hit and run	$2006	$334
Refusal to submit to a chemical test	$2026	$344
DUI	$2031	$339
Racing	$2066	$351

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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 Beaufort 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 Beaufort.

The cheapest car insurance premiums in Beaufort are offered by National General at $344 for a six-month policy. However, it can be as expensive as $5504 with companies like Allstate.

Beaufort car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$344	$59
Progressive	$1168	$197
Erie	$1268	$213
State Farm	$1288	$217
Farmers	$2281	$388
Travelers	$2385	$397
Nationwide	$2549	$429
North Carolina Farm Bureau	$2704	$455
Farm Bureau	$3961	$674
Allstate	$5504	$927

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 Beaufort are offered by North Carolina Farm Bureau at $160. However, it can be as expensive as $1961 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Beaufort after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$160	$27
Erie	$195	$33
National General	$334	$57
State Farm	$394	$66
Progressive	$414	$70
Nationwide	$738	$124
Farmers	$808	$138
Farm Bureau	$908	$151
Travelers	$983	$167
Allstate	$1961	$327

Car Insurance Price Trends in Beaufort, North Carolina

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

The average cost of full coverage in the Beaufort rose by $100 in January compared to $96 of December. In other words, there has been an increase by $4 when you compare January and December.

The average cost of liability insurance in the Beaufort dipped to $45 in January, compared to $46 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Beaufort?

The car insurance in Beaufort is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Beaufort?

The cheapest car insurance in Beaufort is $58 per month for full coverage.

How much is car insurance in Beaufort for teenagers?

Car insurance for teenagers costs $439 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 Beaufort?

The average cost of car insurance is $829 for a six-month policy. It will cost around $117 per month to insure your car in Beaufort.

Is car insurance expensive in Beaufort?

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

Cheapest Car Insurance Quotes in Beaufort

Why you can trust Way?

How Much Is Car Insurance in Beaufort

Avg. Car Insurance in Beaufort

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Beaufort

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Beaufort Car Insurance Rates by Company

Cheap Car Insurance Companies in Beaufort, NC

Way's key takeaways about car insurance in Beaufort

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Beaufort

Cheapest Liability Coverage in Beaufort, NC

Cheapest Full Coverage Car Insurance in Beaufort

Cheapest Full Coverage Car Insurance Quotes in Beaufort, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Beaufort by Rating Factor

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

Car Insurance Premiums by Age in Beaufort

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Beaufort,NC

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

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 Beaufort

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

Beaufort Car Insurance Rates by Violation

Beaufort auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Beaufort after a DUI

Beaufort car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Beaufort after Speeding ticket

Car Insurance Price Trends in Beaufort, North Carolina

Average Car Insurance Cost in Beaufort by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Beaufort, NC

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

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