Cheapest Car Insurance Quotes in Broad Creek

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Broad Creek Car Insurance

^$ 26

/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 Broad Creek

The car insurance rate in Broad Creek is $776 for a six-month policy, which is $126 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $347, making it a popular choice for budget-conscious drivers. Rates in Broad Creek 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 Broad Creek

$776

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Broad Creek

1st place: Erie

At $347 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $414 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 $475 for six months, making it the third cheapest auto insurance company in Broad Creek.

Broad Creek Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Broad Creek, NC is Erie, offering policies at just $347 for a six-month term. This is followed by Progressive, which has an average six-month premium of $414.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $991 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Broad Creek drivers find the best deals.

Cheap Car Insurance Companies in Broad Creek, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$347	$58
Progressive	$414	$70
State Farm	$475	$80
North Carolina Farm Bureau	$562	$95
Nationwide	$730	$123
Farm Bureau	$961	$163
Farmers	$980	$163
Kemper	$1078	$183
Allstate	$1226	$206
Penn National	$991	$165

Key Takeaways

Way's key takeaways about car insurance in Broad Creek

The auto insurance costs in Broad Creek fall around $347 for six months.
The cheapest auto insurance company in Broad Creek is Erie.
Teen drivers pay the highest rate in Broad Creek at $52 per month.

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

Cheapest Minimum Liability Car Insurance in Broad Creek

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 Broad Creek are given below.

Erie provides the cheapest minimum car insurance coverage in Broad Creek. Their Average 6 Month Premium is $153. National Farmers Union Insurance is the most expensive at $266 for the same period.

Cheapest Liability Coverage in Broad Creek, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$153	$26
State Farm	$210	$35
Progressive	$219	$37
North Carolina Farm Bureau	$240	$40
Nationwide	$301	$51
National General	$311	$52
Penn National	$337	$58
Farm Bureau	$490	$82
Allstate	$537	$90
National Farmers Union Insurance	$266	$44

Cheapest Full Coverage Car Insurance in Broad Creek

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 Broad Creek is Erie at $58 per month and $347 for six months.

Cheapest Full Coverage Car Insurance Quotes in Broad Creek, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$347	$58
Progressive	$414	$70
State Farm	$475	$80
North Carolina Farm Bureau	$562	$95
Nationwide	$730	$123
Farm Bureau	$961	$163
Farmers	$980	$163
Kemper	$1078	$183
Allstate	$1226	$206
Penn National	$991	$165

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Average Car Insurance in Broad Creek 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 Broad Creek, NC increasing?

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

Car Insurance Premiums by Age in Broad Creek

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	North Carolina Farm Bureau	$350
30s	North Carolina Farm Bureau	$350
40s	North Carolina Farm Bureau	$350
50s	North Carolina Farm Bureau	$350
60s	North Carolina Farm Bureau	$350
70s	North Carolina Farm Bureau	$350

Cheapest Car Insurance Rates for Teen Drivers in Broad Creek,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Broad Creek at $76 per month. At $306 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$450	$76
State Farm	$582	$98
Erie	$587	$99
North Carolina Farm Bureau	$1027	$173
Nationwide	$2222	$371
Allstate	$2687	$457
Penn National	$297	$49
National General	$306	$52

Teen Car Insurance Rates in NC by Age

Way Tip

If you are in your twenties North Carolina Farm Bureau is the best choice for car insurance in Broad Creek.

As young drivers face the highest rates in Broad Creek, North Carolina Farm Bureau offers the cheapest auto insurance rates at $350 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.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Broad Creek, North Carolina Farm Bureau is the cheapest car insurance provider. At $153 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 Broad Creek is Allstate, offering rates of around $2702 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$153	$26
National General	$266	$44
Progressive	$286	$48
Erie	$332	$56
Nationwide	$659	$111
State Farm	$1134	$191
Farm Bureau	$1298	$221
Allstate	$2702	$451

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Car Insurance Rates with An Accident in Broad Creek

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

Cheapest Car Insurance Companies after an At-Fault Accident in Broad Creek

The cheapest car insurance companies after an at-fault accident in Broad Creek include Progressive and Erie, offering $434 and $439, respectively. Farmers is an expensive provider with an average six-month premium of $455.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$434	$73
Erie	$439	$74
State Farm	$490	$83
North Carolina Farm Bureau	$674	$114
Nationwide	$1211	$204
Farm Bureau	$1527	$260
Allstate	$2309	$389
Penn National	$424	$72
Farmers	$455	$76

Broad Creek Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Broad Creek NC. For example, the car insurance in Broad Creek after a DUI increases to $1589 for a six month policy. While the rate increases by $189 for a six-month policy in the case of a speeding ticket.

Broad Creek auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$490	$82
One Med/PIP claim	$490	$83
Not-at-fault accident	$495	$83
One comp claim	$506	$86
Two Med/PIP claims	$506	$84
Two comp claims	$521	$89
Failure to show documents	$577	$96
Child safety restraint	$639	$108
Driving without lights	$639	$107
Failure to wear a seat belt	$639	$108
Cell phone violation	$674	$113
Texting while driving	$674	$114
Speeding 6 - 10 MPH over limit	$679	$114
Driving with expired registration	$685	$116
Driving too slowly	$695	$116
Failure to stop at a red light	$695	$118
Failure to yield	$695	$116
Illegal turn	$695	$118
Open container	$695	$116
Operating a vehicle without permission	$695	$118
Wrong way/wrong lane	$695	$116
Speeding in school zone	$700	$119
At-fault accident - $1000-$2000	$705	$118
At-fault accident - less than $1000	$705	$120
In 65 MPH zone	$746	$125
Speeding 11 - 15 MPH over limit	$746	$126
Speeding 16 - 20 MPH over limit	$746	$125
Speeding 21 - 25 MPH over limit	$746	$126
Improper passing	$761	$127
Following too closely	$766	$131
At-fault accident - greater than $2000	$822	$137
Passing school bus	$935	$159
Reckless driving	$945	$157
Driving with a suspended license	$1461	$249
Leaving scene of an accident/hit and run	$2054	$342
Refusal to submit to a chemical test	$2074	$353
DUI	$2079	$347
Racing	$2115	$359

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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 Broad Creek 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 Broad Creek.

The cheapest car insurance premiums in Broad Creek are offered by National General at $353 for a six-month policy. However, it can be as expensive as $1170 with companies like Farmers.

Broad Creek car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$353	$60
Progressive	$1134	$191
State Farm	$1262	$212
Erie	$1338	$225
Nationwide	$2509	$422
North Carolina Farm Bureau	$2768	$466
Allstate	$5323	$896
Farm Bureau	$5716	$953
Farmers	$1170	$195

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 Broad Creek are offered by North Carolina Farm Bureau at $163. However, it can be as expensive as $1783 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Broad Creek after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$163	$28
National General	$342	$58
Erie	$347	$58
State Farm	$373	$63
Progressive	$388	$65
Nationwide	$700	$118
Farm Bureau	$1282	$213
Allstate	$1783	$303

Car Insurance Price Trends in Broad Creek, North Carolina

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

The average cost of full coverage in the Broad Creek remained steady at $98 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Broad Creek remained steady at $47 in both November and October, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Broad Creek?

The car insurance in Broad Creek is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Broad Creek?

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

How much is car insurance in Broad Creek for teenagers?

Car insurance for teenagers costs $450 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 Broad Creek?

The average cost of car insurance is $902 for a six-month policy. It will cost around $131 per month to insure your car in Broad Creek.

Is car insurance expensive in Broad Creek?

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

Cheapest Car Insurance Quotes in Broad Creek

Why you can trust Way?

How Much Is Car Insurance in Broad Creek

Avg. Car Insurance in Broad Creek

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Broad Creek

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Broad Creek Car Insurance Rates by Company

Cheap Car Insurance Companies in Broad Creek, NC

Way's key takeaways about car insurance in Broad Creek

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Broad Creek

Cheapest Liability Coverage in Broad Creek, NC

Cheapest Full Coverage Car Insurance in Broad Creek

Cheapest Full Coverage Car Insurance Quotes in Broad Creek, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Broad Creek by Rating Factor

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

Car Insurance Premiums by Age in Broad Creek

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Broad Creek,NC

If you are in your twenties North Carolina Farm Bureau is the best choice for car insurance in Broad Creek.

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 Broad Creek

Cheapest Car Insurance Companies after an At-Fault Accident in Broad Creek

Broad Creek Car Insurance Rates by Violation

Broad Creek auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Broad Creek after a DUI

Broad Creek car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Broad Creek after Speeding ticket

Car Insurance Price Trends in Broad Creek, North Carolina

Average Car Insurance Cost in Broad Creek by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Broad Creek, NC

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

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