Cheapest Car Insurance Quotes in Fletcher

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Fletcher Car Insurance

^$ 28

/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 Fletcher

The car insurance rate in Fletcher is $839 for a six-month policy, which is $63 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $376, making it a popular choice for budget-conscious drivers. Rates in Fletcher 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 Fletcher

$839

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Fletcher

1st place: Erie

At $376 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $447 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 $513 for six months, making it the third cheapest auto insurance company in Fletcher.

Fletcher Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fletcher, NC is Erie, offering policies at just $376 for a six-month term. This is followed by Progressive, which has an average six-month premium of $447.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1071 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fletcher drivers find the best deals.

Cheap Car Insurance Companies in Fletcher, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$376	$63
Progressive	$447	$75
State Farm	$513	$86
North Carolina Farm Bureau	$607	$102
Nationwide	$790	$133
Farm Bureau	$1039	$177
Farmers	$1060	$177
Kemper	$1165	$198
Allstate	$1326	$223
Penn National	$1071	$179

Key Takeaways

Way's key takeaways about car insurance in Fletcher

The auto insurance costs in Fletcher fall around $376 for six months.
The cheapest auto insurance company in Fletcher is Erie.
Teen drivers pay the highest rate in Fletcher at $57 per month.

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Cheapest Minimum Liability Car Insurance in Fletcher

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 Fletcher are given below.

Erie provides the cheapest minimum car insurance coverage in Fletcher. Their Average 6 Month Premium is $166. National Farmers Union Insurance is the most expensive at $287 for the same period.

Cheapest Liability Coverage in Fletcher, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$166	$28
State Farm	$227	$38
Progressive	$237	$40
North Carolina Farm Bureau	$259	$44
Nationwide	$326	$55
National General	$337	$56
Penn National	$365	$62
Farm Bureau	$530	$88
Allstate	$580	$98
National Farmers Union Insurance	$287	$47

Cheapest Full Coverage Car Insurance in Fletcher

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 Fletcher is Erie at $63 per month and $376 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fletcher, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$376	$63
Progressive	$447	$75
State Farm	$513	$86
North Carolina Farm Bureau	$607	$102
Nationwide	$790	$133
Farm Bureau	$1039	$177
Farmers	$1060	$177
Kemper	$1165	$198
Allstate	$1326	$223
Penn National	$1071	$179

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Average Car Insurance in Fletcher 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 Fletcher, NC increasing?

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

Car Insurance Premiums by Age in Fletcher

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	$379
30s	North Carolina Farm Bureau	$379
40s	North Carolina Farm Bureau	$379
50s	North Carolina Farm Bureau	$379
60s	North Carolina Farm Bureau	$379
70s	North Carolina Farm Bureau	$379

Cheapest Car Insurance Rates for Teen Drivers in Fletcher,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Fletcher at $82 per month. At $331 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$486	$82
State Farm	$630	$106
Erie	$635	$107
North Carolina Farm Bureau	$1110	$187
Nationwide	$2403	$401
Allstate	$2905	$494
Penn National	$321	$53
National General	$331	$57

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 Fletcher.

As young drivers face the highest rates in Fletcher, North Carolina Farm Bureau offers the cheapest auto insurance rates at $379 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 Fletcher, North Carolina Farm Bureau is the cheapest car insurance provider. At $166 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 Fletcher is Allstate, offering rates of around $2922 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$166	$28
National General	$287	$47
Progressive	$310	$52
Erie	$359	$60
Nationwide	$712	$120
State Farm	$1227	$206
Farm Bureau	$1403	$239
Allstate	$2922	$487

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Car Insurance Rates with An Accident in Fletcher

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

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

The cheapest car insurance companies after an at-fault accident in Fletcher include Progressive and Erie, offering $470 and $475, respectively. Farmers is an expensive provider with an average six-month premium of $492.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$470	$79
Erie	$475	$80
State Farm	$530	$89
North Carolina Farm Bureau	$729	$123
Nationwide	$1309	$220
Farm Bureau	$1652	$281
Allstate	$2497	$420
Penn National	$458	$78
Farmers	$492	$82

Fletcher Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fletcher NC. For example, the car insurance in Fletcher after a DUI increases to $1719 for a six month policy. While the rate increases by $205 for a six-month policy in the case of a speeding ticket.

Fletcher auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$530	$88
One Med/PIP claim	$530	$90
Not-at-fault accident	$536	$89
One comp claim	$547	$93
Two Med/PIP claims	$547	$91
Two comp claims	$564	$96
Failure to show documents	$624	$104
Child safety restraint	$691	$117
Driving without lights	$691	$115
Failure to wear a seat belt	$691	$117
Cell phone violation	$729	$122
Texting while driving	$729	$124
Speeding 6 - 10 MPH over limit	$735	$123
Driving with expired registration	$740	$126
Driving too slowly	$751	$126
Failure to stop at a red light	$751	$127
Failure to yield	$751	$126
Illegal turn	$751	$127
Open container	$751	$126
Operating a vehicle without permission	$751	$127
Wrong way/wrong lane	$751	$126
Speeding in school zone	$757	$128
At-fault accident - $1000-$2000	$763	$127
At-fault accident - less than $1000	$763	$129
In 65 MPH zone	$806	$135
Speeding 11 - 15 MPH over limit	$806	$137
Speeding 16 - 20 MPH over limit	$806	$135
Speeding 21 - 25 MPH over limit	$806	$137
Improper passing	$823	$138
Following too closely	$829	$141
At-fault accident - greater than $2000	$889	$148
Passing school bus	$1011	$172
Reckless driving	$1022	$170
Driving with a suspended license	$1580	$269
Leaving scene of an accident/hit and run	$2221	$370
Refusal to submit to a chemical test	$2243	$381
DUI	$2249	$375
Racing	$2287	$389

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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 Fletcher 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 Fletcher.

The cheapest car insurance premiums in Fletcher are offered by National General at $381 for a six-month policy. However, it can be as expensive as $1265 with companies like Farmers.

Fletcher car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$381	$65
Progressive	$1227	$206
State Farm	$1364	$230
Erie	$1447	$244
Nationwide	$2713	$457
North Carolina Farm Bureau	$2994	$504
Allstate	$5756	$969
Farm Bureau	$6182	$1030
Farmers	$1265	$211

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 Fletcher are offered by North Carolina Farm Bureau at $177. However, it can be as expensive as $1928 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Fletcher after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$177	$30
National General	$370	$63
Erie	$376	$63
State Farm	$404	$68
Progressive	$419	$71
Nationwide	$757	$127
Farm Bureau	$1387	$231
Allstate	$1928	$327

Car Insurance Price Trends in Fletcher, North Carolina

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

The average cost of full coverage in the Fletcher remained steady at $106 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Fletcher remained steady at $51 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 Fletcher?

The car insurance in Fletcher is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Fletcher?

The cheapest car insurance in Fletcher is $63 per month for full coverage.

How much is car insurance in Fletcher for teenagers?

Car insurance for teenagers costs $486 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 Fletcher?

The average cost of car insurance is $902 for a six-month policy. It will cost around $141 per month to insure your car in Fletcher.

Is car insurance expensive in Fletcher?

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

Cheapest Car Insurance Quotes in Fletcher

Why you can trust Way?

How Much Is Car Insurance in Fletcher

Avg. Car Insurance in Fletcher

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Fletcher

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Fletcher Car Insurance Rates by Company

Cheap Car Insurance Companies in Fletcher, NC

Way's key takeaways about car insurance in Fletcher

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fletcher

Cheapest Liability Coverage in Fletcher, NC

Cheapest Full Coverage Car Insurance in Fletcher

Cheapest Full Coverage Car Insurance Quotes in Fletcher, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fletcher by Rating Factor

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

Car Insurance Premiums by Age in Fletcher

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fletcher,NC

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

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 Fletcher

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

Fletcher Car Insurance Rates by Violation

Fletcher auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fletcher after a DUI

Fletcher car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fletcher after Speeding ticket

Car Insurance Price Trends in Fletcher, North Carolina

Average Car Insurance Cost in Fletcher by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fletcher, NC

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

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