Cheapest Car Insurance Quotes in Chadbourn

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Chadbourn 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 Chadbourn

The car insurance rate in Chadbourn is $1055 for a six-month policy, which is $153 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $473, making it a popular choice for budget-conscious drivers. Rates in Chadbourn 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 Chadbourn

$1055

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Chadbourn

1st place: Erie

At $473 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $563 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 $646 for six months, making it the third cheapest auto insurance company in Chadbourn.

Chadbourn Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Chadbourn, NC is Erie, offering policies at just $473 for a six-month term. This is followed by Progressive, which has an average six-month premium of $563.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1348 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chadbourn drivers find the best deals.

Cheap Car Insurance Companies in Chadbourn, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$473	$80
Progressive	$563	$95
State Farm	$646	$109
North Carolina Farm Bureau	$764	$129
Nationwide	$993	$167
Farm Bureau	$1307	$222
Farmers	$1334	$222
Kemper	$1466	$249
Allstate	$1668	$281
Penn National	$1348	$225

Key Takeaways

Way's key takeaways about car insurance in Chadbourn

The auto insurance costs in Chadbourn fall around $473 for six months.
The cheapest auto insurance company in Chadbourn is Erie.
Teen drivers pay the highest rate in Chadbourn at $71 per month.

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Cheapest Minimum Liability Car Insurance in Chadbourn

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 Chadbourn are given below.

Erie provides the cheapest minimum car insurance coverage in Chadbourn. Their Average 6 Month Premium is $208. National Farmers Union Insurance is the most expensive at $362 for the same period.

Cheapest Liability Coverage in Chadbourn, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$208	$35
State Farm	$285	$48
Progressive	$298	$50
North Carolina Farm Bureau	$326	$55
Nationwide	$410	$69
National General	$424	$70
Penn National	$459	$78
Farm Bureau	$667	$111
Allstate	$730	$123
National Farmers Union Insurance	$362	$60

Cheapest Full Coverage Car Insurance in Chadbourn

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 Chadbourn is Erie at $80 per month and $473 for six months.

Cheapest Full Coverage Car Insurance Quotes in Chadbourn, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$473	$80
Progressive	$563	$95
State Farm	$646	$109
North Carolina Farm Bureau	$764	$129
Nationwide	$993	$167
Farm Bureau	$1307	$222
Farmers	$1334	$222
Kemper	$1466	$249
Allstate	$1668	$281
Penn National	$1348	$225

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Average Car Insurance in Chadbourn 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 Chadbourn, NC increasing?

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

Car Insurance Premiums by Age in Chadbourn

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	$476
30s	North Carolina Farm Bureau	$476
40s	North Carolina Farm Bureau	$476
50s	North Carolina Farm Bureau	$476
60s	North Carolina Farm Bureau	$476
70s	North Carolina Farm Bureau	$476

Cheapest Car Insurance Rates for Teen Drivers in Chadbourn,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Chadbourn at $103 per month. At $417 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$612	$103
State Farm	$792	$133
Erie	$799	$135
North Carolina Farm Bureau	$1397	$235
Nationwide	$3023	$504
Allstate	$3655	$621
Penn National	$404	$67
National General	$417	$71

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 Chadbourn.

As young drivers face the highest rates in Chadbourn, North Carolina Farm Bureau offers the cheapest auto insurance rates at $476 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 Chadbourn, North Carolina Farm Bureau is the cheapest car insurance provider. At $208 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 Chadbourn is Allstate, offering rates of around $3676 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$208	$35
National General	$362	$60
Progressive	$390	$66
Erie	$452	$76
Nationwide	$896	$151
State Farm	$1543	$260
Farm Bureau	$1766	$301
Allstate	$3676	$613

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Car Insurance Rates with An Accident in Chadbourn

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

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

The cheapest car insurance companies after an at-fault accident in Chadbourn include Progressive and Erie, offering $591 and $598, respectively. Farmers is an expensive provider with an average six-month premium of $619.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$591	$99
Erie	$598	$101
State Farm	$667	$112
North Carolina Farm Bureau	$917	$154
Nationwide	$1647	$277
Farm Bureau	$2078	$353
Allstate	$3141	$529
Penn National	$577	$98
Farmers	$619	$103

Chadbourn Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Chadbourn NC. For example, the car insurance in Chadbourn after a DUI increases to $2162 for a six month policy. While the rate increases by $257 for a six-month policy in the case of a speeding ticket.

Chadbourn auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$667	$111
One Med/PIP claim	$667	$113
Not-at-fault accident	$674	$112
One comp claim	$688	$117
Two Med/PIP claims	$688	$115
Two comp claims	$709	$121
Failure to show documents	$785	$131
Child safety restraint	$869	$147
Driving without lights	$869	$145
Failure to wear a seat belt	$869	$147
Cell phone violation	$917	$153
Texting while driving	$917	$156
Speeding 6 - 10 MPH over limit	$924	$154
Driving with expired registration	$931	$158
Driving too slowly	$945	$158
Failure to stop at a red light	$945	$160
Failure to yield	$945	$158
Illegal turn	$945	$160
Open container	$945	$158
Operating a vehicle without permission	$945	$160
Wrong way/wrong lane	$945	$158
Speeding in school zone	$952	$161
At-fault accident - $1000-$2000	$959	$160
At-fault accident - less than $1000	$959	$163
In 65 MPH zone	$1014	$170
Speeding 11 - 15 MPH over limit	$1014	$172
Speeding 16 - 20 MPH over limit	$1014	$170
Speeding 21 - 25 MPH over limit	$1014	$172
Improper passing	$1035	$173
Following too closely	$1042	$178
At-fault accident - greater than $2000	$1119	$186
Passing school bus	$1272	$216
Reckless driving	$1286	$214
Driving with a suspended license	$1988	$338
Leaving scene of an accident/hit and run	$2794	$466
Refusal to submit to a chemical test	$2822	$480
DUI	$2829	$472
Racing	$2877	$489

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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 Chadbourn 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 Chadbourn.

The cheapest car insurance premiums in Chadbourn are offered by National General at $480 for a six-month policy. However, it can be as expensive as $1591 with companies like Farmers.

Chadbourn car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$480	$82
Progressive	$1543	$260
State Farm	$1716	$289
Erie	$1821	$307
Nationwide	$3413	$574
North Carolina Farm Bureau	$3766	$634
Allstate	$7241	$1219
Farm Bureau	$7777	$1296
Farmers	$1591	$266

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 Chadbourn are offered by North Carolina Farm Bureau at $222. However, it can be as expensive as $2425 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Chadbourn after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$222	$37
National General	$466	$80
Erie	$473	$80
State Farm	$508	$85
Progressive	$528	$89
Nationwide	$952	$160
Farm Bureau	$1744	$290
Allstate	$2425	$412

Car Insurance Price Trends in Chadbourn, North Carolina

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

The average cost of full coverage in the Chadbourn remained steady at $133 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Chadbourn remained steady at $64 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 Chadbourn?

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

What is the cheapest car insurance in Chadbourn?

The cheapest car insurance in Chadbourn is $80 per month for full coverage.

How much is car insurance in Chadbourn for teenagers?

Car insurance for teenagers costs $612 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 Chadbourn?

The average cost of car insurance is $902 for a six-month policy. It will cost around $178 per month to insure your car in Chadbourn.

Is car insurance expensive in Chadbourn?

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

Cheapest Car Insurance Quotes in Chadbourn

Why you can trust Way?

How Much Is Car Insurance in Chadbourn

Avg. Car Insurance in Chadbourn

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Chadbourn

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Chadbourn Car Insurance Rates by Company

Cheap Car Insurance Companies in Chadbourn, NC

Way's key takeaways about car insurance in Chadbourn

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Chadbourn

Cheapest Liability Coverage in Chadbourn, NC

Cheapest Full Coverage Car Insurance in Chadbourn

Cheapest Full Coverage Car Insurance Quotes in Chadbourn, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Chadbourn by Rating Factor

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

Car Insurance Premiums by Age in Chadbourn

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Chadbourn,NC

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

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 Chadbourn

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

Chadbourn Car Insurance Rates by Violation

Chadbourn auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Chadbourn after a DUI

Chadbourn car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Chadbourn after Speeding ticket

Car Insurance Price Trends in Chadbourn, North Carolina

Average Car Insurance Cost in Chadbourn by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Chadbourn, NC

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

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