Cheapest Car Insurance Quotes in Brunswick

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Brunswick Car Insurance

^$ 37

/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 Brunswick

The car insurance rate in Brunswick is $1100 for a six-month policy, which is $198 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $493, making it a popular choice for budget-conscious drivers. Rates in Brunswick 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 Brunswick

$1100

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Brunswick

1st place: Erie

At $493 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $587 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 $673 for six months, making it the third cheapest auto insurance company in Brunswick.

Brunswick Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Brunswick, NC is Erie, offering policies at just $493 for a six-month term. This is followed by Progressive, which has an average six-month premium of $587.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1405 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Brunswick drivers find the best deals.

Cheap Car Insurance Companies in Brunswick, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$493	$83
Progressive	$587	$99
State Farm	$673	$113
North Carolina Farm Bureau	$797	$134
Nationwide	$1036	$174
Farm Bureau	$1363	$232
Farmers	$1391	$232
Kemper	$1529	$260
Allstate	$1740	$293
Penn National	$1405	$234

Key Takeaways

Way's key takeaways about car insurance in Brunswick

The auto insurance costs in Brunswick fall around $493 for six months.
The cheapest auto insurance company in Brunswick is Erie.
Teen drivers pay the highest rate in Brunswick at $74 per month.

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Cheapest Minimum Liability Car Insurance in Brunswick

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 Brunswick are given below.

Erie provides the cheapest minimum car insurance coverage in Brunswick. Their Average 6 Month Premium is $217. National Farmers Union Insurance is the most expensive at $377 for the same period.

Cheapest Liability Coverage in Brunswick, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$217	$37
State Farm	$298	$50
Progressive	$311	$52
North Carolina Farm Bureau	$340	$57
Nationwide	$427	$72
National General	$442	$73
Penn National	$478	$82
Farm Bureau	$695	$116
Allstate	$761	$128
National Farmers Union Insurance	$377	$62

Cheapest Full Coverage Car Insurance in Brunswick

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 Brunswick is Erie at $83 per month and $493 for six months.

Cheapest Full Coverage Car Insurance Quotes in Brunswick, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$493	$83
Progressive	$587	$99
State Farm	$673	$113
North Carolina Farm Bureau	$797	$134
Nationwide	$1036	$174
Farm Bureau	$1363	$232
Farmers	$1391	$232
Kemper	$1529	$260
Allstate	$1740	$293
Penn National	$1405	$234

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Average Car Insurance in Brunswick 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 Brunswick, NC increasing?

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

Car Insurance Premiums by Age in Brunswick

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	$497
30s	North Carolina Farm Bureau	$497
40s	North Carolina Farm Bureau	$497
50s	North Carolina Farm Bureau	$497
60s	North Carolina Farm Bureau	$497
70s	North Carolina Farm Bureau	$497

Cheapest Car Insurance Rates for Teen Drivers in Brunswick,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Brunswick at $107 per month. At $434 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$638	$107
State Farm	$826	$139
Erie	$833	$140
North Carolina Farm Bureau	$1457	$245
Nationwide	$3152	$526
Allstate	$3811	$648
Penn National	$421	$70
National General	$434	$74

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 Brunswick.

As young drivers face the highest rates in Brunswick, North Carolina Farm Bureau offers the cheapest auto insurance rates at $497 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 Brunswick, North Carolina Farm Bureau is the cheapest car insurance provider. At $217 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 Brunswick is Allstate, offering rates of around $3833 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$217	$37
National General	$377	$62
Progressive	$406	$68
Erie	$471	$79
Nationwide	$935	$157
State Farm	$1609	$271
Farm Bureau	$1841	$314
Allstate	$3833	$639

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Car Insurance Rates with An Accident in Brunswick

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

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

The cheapest car insurance companies after an at-fault accident in Brunswick include Progressive and Erie, offering $616 and $623, respectively. Farmers is an expensive provider with an average six-month premium of $645.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$616	$104
Erie	$623	$105
State Farm	$695	$117
North Carolina Farm Bureau	$956	$161
Nationwide	$1718	$289
Farm Bureau	$2167	$368
Allstate	$3276	$551
Penn National	$601	$102
Farmers	$645	$107

Brunswick Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Brunswick NC. For example, the car insurance in Brunswick after a DUI increases to $2255 for a six month policy. While the rate increases by $269 for a six-month policy in the case of a speeding ticket.

Brunswick auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$695	$116
One Med/PIP claim	$695	$118
Not-at-fault accident	$703	$117
One comp claim	$717	$122
Two Med/PIP claims	$717	$120
Two comp claims	$739	$126
Failure to show documents	$819	$137
Child safety restraint	$906	$154
Driving without lights	$906	$151
Failure to wear a seat belt	$906	$154
Cell phone violation	$956	$160
Texting while driving	$956	$162
Speeding 6 - 10 MPH over limit	$964	$161
Driving with expired registration	$971	$165
Driving too slowly	$986	$165
Failure to stop at a red light	$986	$167
Failure to yield	$986	$165
Illegal turn	$986	$167
Open container	$986	$165
Operating a vehicle without permission	$986	$167
Wrong way/wrong lane	$986	$165
Speeding in school zone	$993	$168
At-fault accident - $1000-$2000	$1000	$167
At-fault accident - less than $1000	$1000	$170
In 65 MPH zone	$1058	$177
Speeding 11 - 15 MPH over limit	$1058	$179
Speeding 16 - 20 MPH over limit	$1058	$177
Speeding 21 - 25 MPH over limit	$1058	$179
Improper passing	$1080	$181
Following too closely	$1087	$185
At-fault accident - greater than $2000	$1166	$194
Passing school bus	$1326	$226
Reckless driving	$1341	$223
Driving with a suspended license	$2073	$353
Leaving scene of an accident/hit and run	$2913	$486
Refusal to submit to a chemical test	$2943	$500
DUI	$2950	$492
Racing	$3000	$510

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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 Brunswick 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 Brunswick.

The cheapest car insurance premiums in Brunswick are offered by National General at $500 for a six-month policy. However, it can be as expensive as $1659 with companies like Farmers.

Brunswick car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$500	$85
Progressive	$1609	$271
State Farm	$1790	$301
Erie	$1898	$320
Nationwide	$3559	$599
North Carolina Farm Bureau	$3927	$661
Allstate	$7551	$1271
Farm Bureau	$8109	$1352
Farmers	$1659	$277

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 Brunswick are offered by North Carolina Farm Bureau at $232. However, it can be as expensive as $2529 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Brunswick after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$232	$39
National General	$486	$83
Erie	$493	$83
State Farm	$529	$89
Progressive	$550	$93
Nationwide	$993	$167
Farm Bureau	$1819	$303
Allstate	$2529	$429

Car Insurance Price Trends in Brunswick, North Carolina

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

The average cost of full coverage in the Brunswick remained steady at $139 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Brunswick remained steady at $67 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 Brunswick?

The car insurance in Brunswick is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Brunswick?

The cheapest car insurance in Brunswick is $83 per month for full coverage.

How much is car insurance in Brunswick for teenagers?

Car insurance for teenagers costs $638 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 Brunswick?

The average cost of car insurance is $902 for a six-month policy. It will cost around $185 per month to insure your car in Brunswick.

Is car insurance expensive in Brunswick?

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

Cheapest Car Insurance Quotes in Brunswick

Why you can trust Way?

How Much Is Car Insurance in Brunswick

Avg. Car Insurance in Brunswick

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Brunswick

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Brunswick Car Insurance Rates by Company

Cheap Car Insurance Companies in Brunswick, NC

Way's key takeaways about car insurance in Brunswick

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Brunswick

Cheapest Liability Coverage in Brunswick, NC

Cheapest Full Coverage Car Insurance in Brunswick

Cheapest Full Coverage Car Insurance Quotes in Brunswick, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Brunswick by Rating Factor

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

Car Insurance Premiums by Age in Brunswick

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Brunswick,NC

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

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 Brunswick

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

Brunswick Car Insurance Rates by Violation

Brunswick auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Brunswick after a DUI

Brunswick car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Brunswick after Speeding ticket

Car Insurance Price Trends in Brunswick, North Carolina

Average Car Insurance Cost in Brunswick by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Brunswick, NC

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

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