Cheapest Car Insurance Quotes in Cerro Gordo

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Cerro Gordo Car Insurance

^$ 35

/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 Cerro Gordo

The car insurance rate in Cerro Gordo is $978 for a six-month policy, which is $149 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $484, making it a popular choice for budget-conscious drivers. Rates in Cerro Gordo 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 Cerro Gordo

$978

Avg. Car Insurance in North Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Cerro Gordo

1st place: Erie

At $484 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $589 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 $666 for six months, making it the third cheapest auto insurance company in Cerro Gordo.

Cerro Gordo Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cerro Gordo, NC is Erie, offering policies at just $484 for a six-month term. This is followed by Progressive, which has an average six-month premium of $589.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1795 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cerro Gordo drivers find the best deals.

Cheap Car Insurance Companies in Cerro Gordo, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$484	$81
Progressive	$589	$99
State Farm	$666	$112
North Carolina Farm Bureau	$771	$130
Travelers	$897	$150
Farm Bureau	$968	$164
Nationwide	$1037	$175
Farmers	$1101	$185
Kemper	$1479	$247
Allstate	$1795	$302

Key Takeaways

Way's key takeaways about car insurance in Cerro Gordo

The auto insurance costs in Cerro Gordo fall around $484 for six months.
The cheapest auto insurance company in Cerro Gordo is Erie.
Teen drivers pay the highest rate in Cerro Gordo at $615 per month.

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Cheapest Minimum Liability Car Insurance in Cerro Gordo

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 Cerro Gordo are given below.

Erie provides the cheapest minimum car insurance coverage in Cerro Gordo. Their Average 6 Month Premium is $210. Allstate is the most expensive at $666 for the same period.

Cheapest Liability Coverage in Cerro Gordo, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$210	$35
State Farm	$281	$47
Progressive	$301	$51
North Carolina Farm Bureau	$329	$55
Travelers	$393	$65
Farm Bureau	$400	$68
Nationwide	$407	$68
Farmers	$420	$72
National General	$427	$71
Penn National	$463	$79
Allstate	$666	$112

Cheapest Full Coverage Car Insurance in Cerro Gordo

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 Cerro Gordo is Erie at $81 per month and $484 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cerro Gordo, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$484	$81
Progressive	$589	$99
State Farm	$666	$112
North Carolina Farm Bureau	$771	$130
Travelers	$897	$150
Farm Bureau	$968	$164
Nationwide	$1037	$175
Farmers	$1101	$185
Kemper	$1479	$247
Allstate	$1795	$302

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Average Car Insurance in Cerro Gordo 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 Cerro Gordo, NC increasing?

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

Car Insurance Premiums by Age in Cerro Gordo

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 Cerro Gordo,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Cerro Gordo at $104 per month. At $3686 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$617	$104
State Farm	$799	$135
Erie	$806	$136
North Carolina Farm Bureau	$1409	$237
Nationwide	$3049	$518
Allstate	$3686	$615

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 Cerro Gordo, North Carolina Farm Bureau is the cheapest car insurance provider. At $210 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 Cerro Gordo is Allstate, offering rates of around $4255 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$210	$35
Erie	$238	$40
National General	$365	$63
Progressive	$427	$72
Nationwide	$792	$133
Farmers	$856	$143
Travelers	$1220	$208
Farm Bureau	$1381	$230
State Farm	$1724	$290
Allstate	$4255	$709

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Car Insurance Rates with An Accident in Cerro Gordo

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

Cheapest Car Insurance Companies after an At-Fault Accident in Cerro Gordo

The cheapest car insurance companies after an at-fault accident in Cerro Gordo include Progressive and Erie, offering $631 and $644, respectively. Allstate is an expensive provider with an average six-month premium of $3336.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$631	$106
Erie	$644	$109
State Farm	$708	$119
North Carolina Farm Bureau	$925	$156
Farmers	$1339	$223
Farm Bureau	$1514	$257
Nationwide	$1521	$256
Travelers	$1605	$273
Allstate	$3336	$562

Cerro Gordo Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cerro Gordo NC. For example, the car insurance in Cerro Gordo after a DUI increases to $2180 for a six month policy. While the rate increases by $259 for a six-month policy in the case of a speeding ticket.

Cerro Gordo auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$673	$112
One Med/PIP claim	$673	$114
Not-at-fault accident	$680	$113
One comp claim	$694	$118
Two Med/PIP claims	$694	$116
Two comp claims	$715	$122
Failure to show documents	$792	$132
Child safety restraint	$877	$149
Driving without lights	$877	$146
Failure to wear a seat belt	$877	$149
Cell phone violation	$925	$155
Texting while driving	$925	$157
Speeding 6 - 10 MPH over limit	$932	$156
Driving with expired registration	$939	$159
Driving too slowly	$953	$159
Failure to stop at a red light	$953	$162
Failure to yield	$953	$159
Illegal turn	$953	$162
Open container	$953	$159
Operating a vehicle without permission	$953	$162
Wrong way/wrong lane	$953	$159
Speeding in school zone	$961	$163
At-fault accident - $1000-$2000	$968	$162
At-fault accident - less than $1000	$968	$164
In 65 MPH zone	$1023	$171
Speeding 11 - 15 MPH over limit	$1023	$173
Speeding 16 - 20 MPH over limit	$1023	$171
Speeding 21 - 25 MPH over limit	$1023	$173
Improper passing	$1044	$175
Following too closely	$1051	$179
At-fault accident - greater than $2000	$1128	$188
Passing school bus	$1283	$218
Reckless driving	$1297	$216
Driving with a suspended license	$2005	$341
Leaving scene of an accident/hit and run	$2818	$470
Refusal to submit to a chemical test	$2846	$484
DUI	$2853	$476
Racing	$2902	$493

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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 Cerro Gordo 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 Cerro Gordo.

The cheapest car insurance premiums in Cerro Gordo are offered by National General at $484 for a six-month policy. However, it can be as expensive as $7731 with companies like Allstate.

Cerro Gordo car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$484	$83
Progressive	$1640	$276
Erie	$1781	$300
State Farm	$1809	$304
Farmers	$3204	$545
Travelers	$3350	$558
Nationwide	$3581	$603
North Carolina Farm Bureau	$3798	$640
Farm Bureau	$5565	$946
Allstate	$7731	$1302

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 Cerro Gordo are offered by North Carolina Farm Bureau at $224. However, it can be as expensive as $2754 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Cerro Gordo after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$224	$38
Erie	$274	$46
National General	$470	$80
State Farm	$553	$93
Progressive	$582	$98
Nationwide	$1037	$175
Farmers	$1135	$194
Farm Bureau	$1276	$212
Travelers	$1381	$235
Allstate	$2754	$459

Car Insurance Price Trends in Cerro Gordo, North Carolina

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

The average cost of full coverage in the Cerro Gordo rose by $140 in January compared to $135 of December. In other words, there has been an increase by $5 when you compare January and December.

The average cost of liability insurance in the Cerro Gordo dipped to $63 in January, compared to $65 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Cerro Gordo?

The car insurance in Cerro Gordo is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Cerro Gordo?

The cheapest car insurance in Cerro Gordo is $81 per month for full coverage.

How much is car insurance in Cerro Gordo for teenagers?

Car insurance for teenagers costs $617 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 Cerro Gordo?

The average cost of car insurance is $829 for a six-month policy. It will cost around $164 per month to insure your car in Cerro Gordo.

Is car insurance expensive in Cerro Gordo?

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

Cheapest Car Insurance Quotes in Cerro Gordo

Why you can trust Way?

How Much Is Car Insurance in Cerro Gordo

Avg. Car Insurance in Cerro Gordo

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Cerro Gordo

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Cerro Gordo Car Insurance Rates by Company

Cheap Car Insurance Companies in Cerro Gordo, NC

Way's key takeaways about car insurance in Cerro Gordo

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cerro Gordo

Cheapest Liability Coverage in Cerro Gordo, NC

Cheapest Full Coverage Car Insurance in Cerro Gordo

Cheapest Full Coverage Car Insurance Quotes in Cerro Gordo, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cerro Gordo by Rating Factor

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

Car Insurance Premiums by Age in Cerro Gordo

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cerro Gordo,NC

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

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 Cerro Gordo

Cheapest Car Insurance Companies after an At-Fault Accident in Cerro Gordo

Cerro Gordo Car Insurance Rates by Violation

Cerro Gordo auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cerro Gordo after a DUI

Cerro Gordo car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cerro Gordo after Speeding ticket

Car Insurance Price Trends in Cerro Gordo, North Carolina

Average Car Insurance Cost in Cerro Gordo by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cerro Gordo, NC

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

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