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Finding the cheapest car insurance quotes in Council 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 Council
The car insurance rate in Council is $1046 for a six-month policy, which is $144 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $469, making it a popular choice for budget-conscious drivers. Rates in Council 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 $469 for a six
month policy, Erie offers
the cheapest
auto
insurance rates in the city.
2nd place: Progressive
Progressive offers auto
insurance rates at $558 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 $640
for six months, making it
the third cheapest auto insurance company in Council.
Council Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Council, NC is Erie, offering policies at just $469 for a six-month term. This is followed by Progressive, which has an average six-month premium of $558.
At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1336 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Council drivers find the best deals.
Way's key takeaways about car insurance in Council
The auto insurance costs in Council fall around $469 for six
months.
The cheapest auto insurance company in Council is Erie.
Teen drivers pay the highest rate in Council at $71 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 Council
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 Council are given below.
Erie provides
the cheapest minimum car insurance
coverage in Council. Their Average 6 Month Premium is $206.
National Farmers Union Insurance is the most
expensive at $358 for the same
period.
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 Council is Erie
at $79 per month and $469
for six months.
Cheapest Full Coverage Car Insurance Quotes in Council,
NC
Get Your Car Insurance Quote in Council
Instantly!
Average Car Insurance in Council 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 Council, NC increasing?
Despite maintaining a clean driving record, your car insurance rates
in Council, 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, Council's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Council
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
$472
30s
North Carolina Farm Bureau
$472
40s
North Carolina Farm Bureau
$472
50s
North Carolina Farm Bureau
$472
60s
North Carolina Farm Bureau
$472
70s
North Carolina Farm Bureau
$472
Cheapest Car Insurance Rates for Teen Drivers in
Council,NC
If you are planning to get a car insurance policy for your teenage
dependent, Progressive provides the cheapest car
insurance in the Council at $102
per
month. At $413 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 Council.
As young drivers face the highest rates in Council, North Carolina Farm Bureau
offers the cheapest auto insurance rates at $472 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 Council,
North Carolina Farm Bureau is
the cheapest car insurance provider. At $206 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
Council is Allstate, offering
rates of around $3645 for six
months.
Save up to $971/yr on car insurance rates in Council.
Car Insurance Rates with An Accident in Council
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 Council, NC,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Council
The cheapest car insurance companies after an at-fault accident in
Council include Progressive
and Erie, offering $586
and $593,
respectively. Farmers is an expensive provider
with an average six-month premium of
$614.
Here is a list of driving violations that can increase your car
insurance rates in Council NC. For example, the car
insurance in Council
after a DUI increases to $2144 for a six
month policy. While the rate increases by $255 for a six-month policy in the case of
a speeding ticket.
Council auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$661
$110
One Med/PIP claim
$661
$113
Not-at-fault accident
$668
$111
One comp claim
$682
$116
Two Med/PIP claims
$682
$114
Two comp claims
$703
$119
Failure to show documents
$778
$130
Child safety restraint
$862
$146
Driving without lights
$862
$144
Failure to wear a seat belt
$862
$146
Cell phone violation
$909
$152
Texting while driving
$909
$154
Speeding 6 - 10 MPH over limit
$916
$153
Driving with expired registration
$923
$157
Driving too slowly
$937
$157
Failure to stop at a red light
$937
$159
Failure to yield
$937
$157
Illegal turn
$937
$159
Open container
$937
$157
Operating a vehicle without permission
$937
$159
Wrong way/wrong lane
$937
$157
Speeding in school zone
$944
$160
At-fault accident - $1000-$2000
$951
$159
At-fault accident - less than $1000
$951
$161
In 65 MPH zone
$1006
$168
Speeding 11 - 15 MPH over limit
$1006
$171
Speeding 16 - 20 MPH over limit
$1006
$168
Speeding 21 - 25 MPH over limit
$1006
$171
Improper passing
$1027
$172
Following too closely
$1034
$176
At-fault accident - greater than $2000
$1109
$184
Passing school bus
$1261
$215
Reckless driving
$1275
$212
Driving with a suspended license
$1971
$335
Leaving scene of an accident/hit and run
$2770
$462
Refusal to submit to a chemical test
$2798
$476
DUI
$2805
$467
Racing
$2852
$485
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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 Council 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 Council.
The cheapest car insurance premiums in
Council are
offered by National General at $476 for a six-month policy.
However, it can be as
expensive as $1578 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 Council are offered by North Carolina Farm Bureau
at $220. However,
it can be as expensive as $2405
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Council after Speeding ticket
Car Insurance Price Trends in Council,
North Carolina
Car insurance rates in Council have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Council remained steady at $132 in both November and October, indicating no change over the two month period.
The average cost of liability insurance in the Council remained steady at $64 in both November and October, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Council. At $2092 for a
six-month policy, insuring
your car at 28434 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 Council?
The car insurance in Council is $35 per month, which is lower than the national average.
What is the cheapest car insurance in Council?
The cheapest car insurance in Council
is $79 per month
for full coverage.
How much is car insurance in Council for teenagers?
Car insurance for teenagers costs $607 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
Council?
The average cost of car insurance is $902 for a six-month
policy. It will cost around $176 per month to insure your
car in Council.
Is car insurance expensive in Council?
Car insurance can be expensive in Council if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Council can be
affordable.
What is the best car insurance in Council,
NC?
The best car insurance company in Council
NC is
Erie, offering $469 for a
six-month policy.
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Car Insurance Rates by State in the USA (2025 Update)
Council Car Insurance
