Cheapest Car Insurance Quotes in Forest Oaks

Finding the cheapest car insurance quotes in Forest Oaks 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.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Forest Oaks Car Insurance

^$ 33

/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 Forest Oaks

The car insurance rate in Forest Oaks is $912 for a six-month policy, which is $83 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $451, making it a popular choice for budget-conscious drivers. Rates in Forest Oaks 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 Forest Oaks

$912

Avg. Car Insurance in North Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Forest Oaks

1st place: Erie

At $451 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $549 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 $620 for six months, making it the third cheapest auto insurance company in Forest Oaks.

Forest Oaks Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Forest Oaks, NC is Erie, offering policies at just $451 for a six-month term. This is followed by Progressive, which has an average six-month premium of $549.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1673 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Forest Oaks drivers find the best deals.

Cheap Car Insurance Companies in Forest Oaks, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$451	$76
Progressive	$549	$92
State Farm	$620	$105
North Carolina Farm Bureau	$718	$121
Travelers	$836	$140
Farm Bureau	$902	$153
Nationwide	$967	$163
Farmers	$1026	$173
Kemper	$1378	$230
Allstate	$1673	$282

Key Takeaways

Way's key takeaways about car insurance in Forest Oaks

The auto insurance costs in Forest Oaks fall around $451 for six months.
The cheapest auto insurance company in Forest Oaks is Erie.
Teen drivers pay the highest rate in Forest Oaks at $573 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 Forest Oaks

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 Forest Oaks are given below.

Erie provides the cheapest minimum car insurance coverage in Forest Oaks. Their Average 6 Month Premium is $196. Allstate is the most expensive at $620 for the same period.

Cheapest Liability Coverage in Forest Oaks, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$196	$33
State Farm	$262	$44
Progressive	$281	$47
North Carolina Farm Bureau	$307	$52
Travelers	$366	$61
Farm Bureau	$373	$64
Nationwide	$380	$64
Farmers	$392	$67
National General	$398	$66
Penn National	$431	$74
Allstate	$620	$105

Cheapest Full Coverage Car Insurance in Forest Oaks

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 Forest Oaks is Erie at $76 per month and $451 for six months.

Cheapest Full Coverage Car Insurance Quotes in Forest Oaks, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$451	$76
Progressive	$549	$92
State Farm	$620	$105
North Carolina Farm Bureau	$718	$121
Travelers	$836	$140
Farm Bureau	$902	$153
Nationwide	$967	$163
Farmers	$1026	$173
Kemper	$1378	$230
Allstate	$1673	$282

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Forest Oaks Instantly!

Average Car Insurance in Forest Oaks 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 Forest Oaks, NC increasing?

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

Car Insurance Premiums by Age in Forest Oaks

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Forest Oaks,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Forest Oaks at $97 per month. At $3436 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$575	$97
State Farm	$745	$125
Erie	$751	$127
North Carolina Farm Bureau	$1313	$221
Nationwide	$2842	$483
Allstate	$3436	$573

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 Forest Oaks, North Carolina Farm Bureau is the cheapest car insurance provider. At $196 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 Forest Oaks is Allstate, offering rates of around $3967 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$196	$33
Erie	$222	$37
National General	$340	$58
Progressive	$398	$67
Nationwide	$738	$124
Farmers	$798	$133
Travelers	$1137	$194
Farm Bureau	$1287	$215
State Farm	$1607	$271
Allstate	$3967	$661

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Forest Oaks.

Car Insurance Rates with An Accident in Forest Oaks

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

Cheapest Car Insurance Companies after an At-Fault Accident in Forest Oaks

The cheapest car insurance companies after an at-fault accident in Forest Oaks include Progressive and Erie, offering $589 and $601, respectively. Allstate is an expensive provider with an average six-month premium of $3110.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$589	$99
Erie	$601	$101
State Farm	$660	$111
North Carolina Farm Bureau	$862	$145
Farmers	$1249	$208
Farm Bureau	$1411	$240
Nationwide	$1418	$239
Travelers	$1496	$254
Allstate	$3110	$524

Forest Oaks Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Forest Oaks NC. For example, the car insurance in Forest Oaks after a DUI increases to $2033 for a six month policy. While the rate increases by $242 for a six-month policy in the case of a speeding ticket.

Forest Oaks auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$627	$105
One Med/PIP claim	$627	$107
Not-at-fault accident	$634	$106
One comp claim	$647	$110
Two Med/PIP claims	$647	$108
Two comp claims	$667	$113
Failure to show documents	$738	$123
Child safety restraint	$817	$139
Driving without lights	$817	$136
Failure to wear a seat belt	$817	$139
Cell phone violation	$862	$144
Texting while driving	$862	$146
Speeding 6 - 10 MPH over limit	$869	$145
Driving with expired registration	$876	$149
Driving too slowly	$889	$149
Failure to stop at a red light	$889	$151
Failure to yield	$889	$149
Illegal turn	$889	$151
Open container	$889	$149
Operating a vehicle without permission	$889	$151
Wrong way/wrong lane	$889	$149
Speeding in school zone	$895	$152
At-fault accident - $1000-$2000	$902	$151
At-fault accident - less than $1000	$902	$153
In 65 MPH zone	$954	$160
Speeding 11 - 15 MPH over limit	$954	$162
Speeding 16 - 20 MPH over limit	$954	$160
Speeding 21 - 25 MPH over limit	$954	$162
Improper passing	$974	$163
Following too closely	$980	$167
At-fault accident - greater than $2000	$1052	$175
Passing school bus	$1196	$204
Reckless driving	$1209	$201
Driving with a suspended license	$1869	$318
Leaving scene of an accident/hit and run	$2627	$438
Refusal to submit to a chemical test	$2653	$451
DUI	$2660	$443
Racing	$2705	$460

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Forest Oaks 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 Forest Oaks.

The cheapest car insurance premiums in Forest Oaks are offered by National General at $451 for a six-month policy. However, it can be as expensive as $7207 with companies like Allstate.

Forest Oaks car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$451	$77
Progressive	$1529	$257
Erie	$1660	$279
State Farm	$1686	$284
Farmers	$2987	$508
Travelers	$3123	$520
Nationwide	$3339	$562
North Carolina Farm Bureau	$3541	$596
Farm Bureau	$5188	$882
Allstate	$7207	$1213

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 Forest Oaks are offered by North Carolina Farm Bureau at $209. However, it can be as expensive as $2567 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Forest Oaks after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$209	$35
Erie	$255	$43
National General	$438	$75
State Farm	$516	$87
Progressive	$542	$91
Nationwide	$967	$163
Farmers	$1058	$180
Farm Bureau	$1189	$198
Travelers	$1287	$219
Allstate	$2567	$428

Car Insurance Price Trends in Forest Oaks, North Carolina

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

The average cost of full coverage in the Forest Oaks rose by $131 in January compared to $125 of December. In other words, there has been an increase by $6 when you compare January and December.

The average cost of liability insurance in the Forest Oaks dipped to $58 in January, compared to $61 in December. This represents an decrease of $3 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Forest Oaks?

The car insurance in Forest Oaks is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Forest Oaks?

The cheapest car insurance in Forest Oaks is $76 per month for full coverage.

How much is car insurance in Forest Oaks for teenagers?

Car insurance for teenagers costs $575 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 Forest Oaks?

The average cost of car insurance is $829 for a six-month policy. It will cost around $153 per month to insure your car in Forest Oaks.

Is car insurance expensive in Forest Oaks?

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

Cheapest Car Insurance Quotes in Forest Oaks

Why you can trust Way?

How Much Is Car Insurance in Forest Oaks

Avg. Car Insurance in Forest Oaks

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Forest Oaks

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Forest Oaks Car Insurance Rates by Company

Cheap Car Insurance Companies in Forest Oaks, NC

Way's key takeaways about car insurance in Forest Oaks

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Forest Oaks

Cheapest Liability Coverage in Forest Oaks, NC

Cheapest Full Coverage Car Insurance in Forest Oaks

Cheapest Full Coverage Car Insurance Quotes in Forest Oaks, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Forest Oaks by Rating Factor

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

Car Insurance Premiums by Age in Forest Oaks

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Forest Oaks,NC

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

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 Forest Oaks

Cheapest Car Insurance Companies after an At-Fault Accident in Forest Oaks

Forest Oaks Car Insurance Rates by Violation

Forest Oaks auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Forest Oaks after a DUI

Forest Oaks car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Forest Oaks after Speeding ticket

Car Insurance Price Trends in Forest Oaks, North Carolina

Average Car Insurance Cost in Forest Oaks by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Forest Oaks, NC

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

Featured Blogs

Data Sources