Cheapest Car Insurance Quotes in Bryson City

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Bryson City Car Insurance

^$ 27

/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 Bryson City

The car insurance rate in Bryson City is $803 for a six-month policy, which is $99 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $360, making it a popular choice for budget-conscious drivers. Rates in Bryson City 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 Bryson City

$803

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Bryson City

1st place: Erie

At $360 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $428 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 $491 for six months, making it the third cheapest auto insurance company in Bryson City.

Bryson City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bryson City, NC is Erie, offering policies at just $360 for a six-month term. This is followed by Progressive, which has an average six-month premium of $428.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1025 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bryson City drivers find the best deals.

Cheap Car Insurance Companies in Bryson City, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$360	$61
Progressive	$428	$72
State Farm	$491	$83
North Carolina Farm Bureau	$581	$98
Nationwide	$756	$127
Farm Bureau	$994	$169
Farmers	$1015	$169
Kemper	$1115	$190
Allstate	$1269	$214
Penn National	$1025	$171

Key Takeaways

Way's key takeaways about car insurance in Bryson City

The auto insurance costs in Bryson City fall around $360 for six months.
The cheapest auto insurance company in Bryson City is Erie.
Teen drivers pay the highest rate in Bryson City at $54 per month.

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Cheapest Minimum Liability Car Insurance in Bryson City

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 Bryson City are given below.

Erie provides the cheapest minimum car insurance coverage in Bryson City. Their Average 6 Month Premium is $158. National Farmers Union Insurance is the most expensive at $275 for the same period.

Cheapest Liability Coverage in Bryson City, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$158	$27
State Farm	$217	$36
Progressive	$227	$38
North Carolina Farm Bureau	$248	$42
Nationwide	$312	$53
National General	$322	$53
Penn National	$349	$60
Farm Bureau	$507	$85
Allstate	$555	$93
National Farmers Union Insurance	$275	$45

Cheapest Full Coverage Car Insurance in Bryson City

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 Bryson City is Erie at $61 per month and $360 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bryson City, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$360	$61
Progressive	$428	$72
State Farm	$491	$83
North Carolina Farm Bureau	$581	$98
Nationwide	$756	$127
Farm Bureau	$994	$169
Farmers	$1015	$169
Kemper	$1115	$190
Allstate	$1269	$214
Penn National	$1025	$171

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Average Car Insurance in Bryson City 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 Bryson City, NC increasing?

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

Car Insurance Premiums by Age in Bryson City

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	$362
30s	North Carolina Farm Bureau	$362
40s	North Carolina Farm Bureau	$362
50s	North Carolina Farm Bureau	$362
60s	North Carolina Farm Bureau	$362
70s	North Carolina Farm Bureau	$362

Cheapest Car Insurance Rates for Teen Drivers in Bryson City,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Bryson City at $78 per month. At $317 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$465	$78
State Farm	$603	$101
Erie	$608	$102
North Carolina Farm Bureau	$1063	$179
Nationwide	$2300	$384
Allstate	$2780	$473
Penn National	$307	$51
National General	$317	$54

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 Bryson City.

As young drivers face the highest rates in Bryson City, North Carolina Farm Bureau offers the cheapest auto insurance rates at $362 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 Bryson City, North Carolina Farm Bureau is the cheapest car insurance provider. At $158 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 Bryson City is Allstate, offering rates of around $2796 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$158	$27
National General	$275	$45
Progressive	$296	$50
Erie	$344	$58
Nationwide	$682	$115
State Farm	$1174	$198
Farm Bureau	$1343	$229
Allstate	$2796	$466

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Car Insurance Rates with An Accident in Bryson City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Bryson City

The cheapest car insurance companies after an at-fault accident in Bryson City include Progressive and Erie, offering $449 and $455, respectively. Farmers is an expensive provider with an average six-month premium of $471.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$449	$76
Erie	$455	$77
State Farm	$507	$85
North Carolina Farm Bureau	$698	$117
Nationwide	$1253	$211
Farm Bureau	$1581	$269
Allstate	$2390	$402
Penn National	$439	$75
Farmers	$471	$78

Bryson City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bryson City NC. For example, the car insurance in Bryson City after a DUI increases to $1645 for a six month policy. While the rate increases by $196 for a six-month policy in the case of a speeding ticket.

Bryson City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$507	$85
One Med/PIP claim	$507	$86
Not-at-fault accident	$513	$85
One comp claim	$523	$89
Two Med/PIP claims	$523	$87
Two comp claims	$539	$92
Failure to show documents	$597	$100
Child safety restraint	$661	$112
Driving without lights	$661	$110
Failure to wear a seat belt	$661	$112
Cell phone violation	$698	$117
Texting while driving	$698	$118
Speeding 6 - 10 MPH over limit	$703	$117
Driving with expired registration	$708	$120
Driving too slowly	$719	$120
Failure to stop at a red light	$719	$122
Failure to yield	$719	$120
Illegal turn	$719	$122
Open container	$719	$120
Operating a vehicle without permission	$719	$122
Wrong way/wrong lane	$719	$120
Speeding in school zone	$724	$123
At-fault accident - $1000-$2000	$730	$122
At-fault accident - less than $1000	$730	$124
In 65 MPH zone	$772	$129
Speeding 11 - 15 MPH over limit	$772	$131
Speeding 16 - 20 MPH over limit	$772	$129
Speeding 21 - 25 MPH over limit	$772	$131
Improper passing	$788	$132
Following too closely	$793	$135
At-fault accident - greater than $2000	$851	$142
Passing school bus	$967	$165
Reckless driving	$978	$163
Driving with a suspended license	$1512	$257
Leaving scene of an accident/hit and run	$2125	$354
Refusal to submit to a chemical test	$2147	$365
DUI	$2152	$359
Racing	$2189	$372

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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 Bryson City 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 Bryson City.

The cheapest car insurance premiums in Bryson City are offered by National General at $365 for a six-month policy. However, it can be as expensive as $1210 with companies like Farmers.

Bryson City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$365	$62
Progressive	$1174	$198
State Farm	$1306	$220
Erie	$1385	$233
Nationwide	$2596	$437
North Carolina Farm Bureau	$2865	$482
Allstate	$5508	$927
Farm Bureau	$5916	$986
Farmers	$1210	$202

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 Bryson City are offered by North Carolina Farm Bureau at $169. However, it can be as expensive as $1845 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Bryson City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$169	$28
National General	$354	$61
Erie	$360	$61
State Farm	$386	$65
Progressive	$401	$68
Nationwide	$724	$122
Farm Bureau	$1327	$221
Allstate	$1845	$313

Car Insurance Price Trends in Bryson City, North Carolina

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

The average cost of full coverage in the Bryson City remained steady at $101 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Bryson City remained steady at $49 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 Bryson City?

The car insurance in Bryson City is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Bryson City?

The cheapest car insurance in Bryson City is $61 per month for full coverage.

How much is car insurance in Bryson City for teenagers?

Car insurance for teenagers costs $465 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 Bryson City?

The average cost of car insurance is $902 for a six-month policy. It will cost around $135 per month to insure your car in Bryson City.

Is car insurance expensive in Bryson City?

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

Cheapest Car Insurance Quotes in Bryson City

Why you can trust Way?

How Much Is Car Insurance in Bryson City

Avg. Car Insurance in Bryson City

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Bryson City

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Bryson City Car Insurance Rates by Company

Cheap Car Insurance Companies in Bryson City, NC

Way's key takeaways about car insurance in Bryson City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bryson City

Cheapest Liability Coverage in Bryson City, NC

Cheapest Full Coverage Car Insurance in Bryson City

Cheapest Full Coverage Car Insurance Quotes in Bryson City, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bryson City by Rating Factor

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

Car Insurance Premiums by Age in Bryson City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bryson City,NC

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

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 Bryson City

Cheapest Car Insurance Companies after an At-Fault Accident in Bryson City

Bryson City Car Insurance Rates by Violation

Bryson City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bryson City after a DUI

Bryson City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bryson City after Speeding ticket

Car Insurance Price Trends in Bryson City, North Carolina

Average Car Insurance Cost in Bryson City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bryson City, NC

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

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