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Finding the cheapest car insurance quotes in Cedar Island shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Cedar Island
The car insurance rate in Cedar Island is $875 for a six-month policy, which is $27 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $392, making it a popular choice for budget-conscious drivers. Rates in Cedar Island 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.
At $392 for a six
month policy, Erie offers
the cheapest
auto
insurance rates in the city.
2nd place: Progressive
Progressive offers auto
insurance rates at $467 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 $535
for six months, making it
the third cheapest auto insurance company in Cedar Island.
Cedar Island Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Cedar Island, NC is Erie, offering policies at just $392 for a six-month term. This is followed by Progressive, which has an average six-month premium of $467.
At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1117 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cedar Island drivers find the best deals.
Way's key takeaways about car insurance in Cedar Island
The auto insurance costs in Cedar Island fall around $392 for six
months.
The cheapest auto insurance company in Cedar Island is Erie.
Teen drivers pay the highest rate in Cedar Island at $59 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Cedar Island
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 Cedar Island are given below.
Erie provides
the cheapest minimum car insurance
coverage in Cedar Island. Their Average 6 Month Premium is $173.
National Farmers Union Insurance is the most
expensive at $300 for the same
period.
Cheapest Full Coverage Car Insurance in Cedar Island
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 Cedar Island is Erie
at $66 per month and $392
for six months.
Cheapest Full Coverage Car Insurance Quotes in Cedar Island,
NC
Get Your Car Insurance Quote in Cedar Island
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Average Car Insurance in Cedar Island 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 Cedar Island, NC increasing?
Despite maintaining a clean driving record, your car insurance rates
in Cedar Island, 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, Cedar Island's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Cedar Island
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
$395
30s
North Carolina Farm Bureau
$395
40s
North Carolina Farm Bureau
$395
50s
North Carolina Farm Bureau
$395
60s
North Carolina Farm Bureau
$395
70s
North Carolina Farm Bureau
$395
Cheapest Car Insurance Rates for Teen Drivers in
Cedar Island,NC
If you are planning to get a car insurance policy for your teenage
dependent, Progressive provides the cheapest car
insurance in the Cedar Island at $85
per
month. At $345 for a six-month premium,
National General offers the most expensive rate for
teen drivers.
If you are in your twenties North Carolina Farm Bureau is
the best choice for car
insurance in Cedar Island.
As young drivers face the highest rates in Cedar Island, North Carolina Farm Bureau
offers the cheapest auto insurance rates at $395 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 Cedar Island,
North Carolina Farm Bureau is
the cheapest car insurance provider. At $173 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
Cedar Island is Allstate, offering
rates of around $3048 for six
months.
Save up to $971/yr on car insurance rates in Cedar Island.
Car Insurance Rates with An Accident in Cedar Island
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 Cedar Island, NC,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Cedar Island
The cheapest car insurance companies after an at-fault accident in
Cedar Island include Progressive
and Erie, offering $490
and $496,
respectively. Farmers is an expensive provider
with an average six-month premium of
$513.
Here is a list of driving violations that can increase your car
insurance rates in Cedar Island NC. For example, the car
insurance in Cedar Island
after a DUI increases to $1792 for a six
month policy. While the rate increases by $213 for a six-month policy in the case of
a speeding ticket.
Cedar Island auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$553
$92
One Med/PIP claim
$553
$94
Not-at-fault accident
$559
$93
One comp claim
$570
$97
Two Med/PIP claims
$570
$95
Two comp claims
$588
$100
Failure to show documents
$651
$109
Child safety restraint
$721
$122
Driving without lights
$721
$120
Failure to wear a seat belt
$721
$122
Cell phone violation
$760
$127
Texting while driving
$760
$129
Speeding 6 - 10 MPH over limit
$766
$128
Driving with expired registration
$772
$131
Driving too slowly
$784
$131
Failure to stop at a red light
$784
$133
Failure to yield
$784
$131
Illegal turn
$784
$133
Open container
$784
$131
Operating a vehicle without permission
$784
$133
Wrong way/wrong lane
$784
$131
Speeding in school zone
$790
$134
At-fault accident - $1000-$2000
$795
$133
At-fault accident - less than $1000
$795
$135
In 65 MPH zone
$841
$141
Speeding 11 - 15 MPH over limit
$841
$143
Speeding 16 - 20 MPH over limit
$841
$141
Speeding 21 - 25 MPH over limit
$841
$143
Improper passing
$858
$144
Following too closely
$864
$147
At-fault accident - greater than $2000
$927
$154
Passing school bus
$1054
$179
Reckless driving
$1066
$178
Driving with a suspended license
$1648
$280
Leaving scene of an accident/hit and run
$2316
$386
Refusal to submit to a chemical test
$2340
$398
DUI
$2345
$391
Racing
$2385
$405
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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 Cedar Island 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 Cedar Island.
The cheapest car insurance premiums in
Cedar Island are
offered by National General at $398 for a six-month policy.
However, it can be as
expensive as $1319 with companies
like Farmers.
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 Cedar Island are offered by North Carolina Farm Bureau
at $184. However,
it can be as expensive as $2011
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Cedar Island after Speeding ticket
Car Insurance Price Trends in Cedar Island,
North Carolina
Car insurance rates in Cedar Island have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Cedar Island remained steady at $111 in both November and October, indicating no change over the two month period.
The average cost of liability insurance in the Cedar Island remained steady at $53 in both November and October, indicating no change over the two month period.
Average Car Insurance Cost in Cedar Island by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Cedar Island. At $1749 for a
six-month policy, insuring
your car at 28520 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Cedar Island?
The car insurance in Cedar Island is $29 per month, which is lower than the national average.
What is the cheapest car insurance in Cedar Island?
The cheapest car insurance in Cedar Island
is $66 per month
for full coverage.
How much is car insurance in Cedar Island for teenagers?
Car insurance for teenagers costs $507 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
Cedar Island?
The average cost of car insurance is $902 for a six-month
policy. It will cost around $147 per month to insure your
car in Cedar Island.
Is car insurance expensive in Cedar Island?
Car insurance can be expensive in Cedar Island if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Cedar Island can be
affordable.
What is the best car insurance in Cedar Island,
NC?
The best car insurance company in Cedar Island
NC is
Erie, offering $392 for a
six-month policy.
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Cedar Island Car Insurance
