Cheapest Car Insurance Quotes in Hamlet

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399,755 Policies Sold

Hamlet 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 Hamlet

The car insurance rate in Hamlet is $992 for a six-month policy, which is $90 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $444, making it a popular choice for budget-conscious drivers. Rates in Hamlet 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 Hamlet

$992

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Hamlet

1st place: Erie

At $444 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $529 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 $607 for six months, making it the third cheapest auto insurance company in Hamlet.

Hamlet Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hamlet, NC is Erie, offering policies at just $444 for a six-month term. This is followed by Progressive, which has an average six-month premium of $529.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1267 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hamlet drivers find the best deals.

Cheap Car Insurance Companies in Hamlet, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$444	$75
Progressive	$529	$89
State Farm	$607	$102
North Carolina Farm Bureau	$718	$121
Nationwide	$934	$157
Farm Bureau	$1229	$209
Farmers	$1254	$209
Kemper	$1378	$234
Allstate	$1569	$264
Penn National	$1267	$211

Key Takeaways

Way's key takeaways about car insurance in Hamlet

The auto insurance costs in Hamlet fall around $444 for six months.
The cheapest auto insurance company in Hamlet is Erie.
Teen drivers pay the highest rate in Hamlet at $67 per month.

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Cheapest Minimum Liability Car Insurance in Hamlet

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 Hamlet are given below.

Erie provides the cheapest minimum car insurance coverage in Hamlet. Their Average 6 Month Premium is $196. National Farmers Union Insurance is the most expensive at $340 for the same period.

Cheapest Liability Coverage in Hamlet, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$196	$33
State Farm	$268	$45
Progressive	$281	$47
North Carolina Farm Bureau	$307	$52
Nationwide	$385	$65
National General	$398	$66
Penn National	$431	$74
Farm Bureau	$627	$105
Allstate	$686	$116
National Farmers Union Insurance	$340	$56

Cheapest Full Coverage Car Insurance in Hamlet

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 Hamlet is Erie at $75 per month and $444 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hamlet, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$444	$75
Progressive	$529	$89
State Farm	$607	$102
North Carolina Farm Bureau	$718	$121
Nationwide	$934	$157
Farm Bureau	$1229	$209
Farmers	$1254	$209
Kemper	$1378	$234
Allstate	$1569	$264
Penn National	$1267	$211

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Average Car Insurance in Hamlet 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 Hamlet, NC increasing?

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

Car Insurance Premiums by Age in Hamlet

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	$448
30s	North Carolina Farm Bureau	$448
40s	North Carolina Farm Bureau	$448
50s	North Carolina Farm Bureau	$448
60s	North Carolina Farm Bureau	$448
70s	North Carolina Farm Bureau	$448

Cheapest Car Insurance Rates for Teen Drivers in Hamlet,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Hamlet at $97 per month. At $392 for a six-month premium, National General 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	$474
Allstate	$3436	$584
Penn National	$380	$63
National General	$392	$67

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 Hamlet.

As young drivers face the highest rates in Hamlet, North Carolina Farm Bureau offers the cheapest auto insurance rates at $448 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 Hamlet, 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 Hamlet is Allstate, offering rates of around $3456 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$196	$33
National General	$340	$56
Progressive	$366	$62
Erie	$425	$72
Nationwide	$843	$142
State Farm	$1451	$244
Farm Bureau	$1660	$283
Allstate	$3456	$576

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Car Insurance Rates with An Accident in Hamlet

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

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

The cheapest car insurance companies after an at-fault accident in Hamlet include Progressive and Erie, offering $556 and $562, respectively. Farmers is an expensive provider with an average six-month premium of $582.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$556	$94
Erie	$562	$95
State Farm	$627	$106
North Carolina Farm Bureau	$862	$145
Nationwide	$1549	$261
Farm Bureau	$1954	$332
Allstate	$2954	$497
Penn National	$542	$92
Farmers	$582	$97

Hamlet Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hamlet NC. For example, the car insurance in Hamlet 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.

Hamlet 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

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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 Hamlet 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 Hamlet.

The cheapest car insurance premiums in Hamlet are offered by National General at $451 for a six-month policy. However, it can be as expensive as $1496 with companies like Farmers.

Hamlet car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$451	$77
Progressive	$1451	$244
State Farm	$1614	$272
Erie	$1712	$288
Nationwide	$3209	$540
North Carolina Farm Bureau	$3541	$596
Allstate	$6808	$1146
Farm Bureau	$7312	$1219
Farmers	$1496	$250

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 Hamlet are offered by North Carolina Farm Bureau at $209. However, it can be as expensive as $2280 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hamlet after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$209	$35
National General	$438	$75
Erie	$444	$75
State Farm	$477	$80
Progressive	$496	$84
Nationwide	$895	$151
Farm Bureau	$1640	$273
Allstate	$2280	$387

Car Insurance Price Trends in Hamlet, North Carolina

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

The average cost of full coverage in the Hamlet remained steady at $125 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Hamlet remained steady at $61 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 Hamlet?

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

What is the cheapest car insurance in Hamlet?

The cheapest car insurance in Hamlet is $75 per month for full coverage.

How much is car insurance in Hamlet 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 Hamlet?

The average cost of car insurance is $902 for a six-month policy. It will cost around $167 per month to insure your car in Hamlet.

Is car insurance expensive in Hamlet?

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

Cheapest Car Insurance Quotes in Hamlet

Why you can trust Way?

How Much Is Car Insurance in Hamlet

Avg. Car Insurance in Hamlet

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Hamlet

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Hamlet Car Insurance Rates by Company

Cheap Car Insurance Companies in Hamlet, NC

Way's key takeaways about car insurance in Hamlet

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hamlet

Cheapest Liability Coverage in Hamlet, NC

Cheapest Full Coverage Car Insurance in Hamlet

Cheapest Full Coverage Car Insurance Quotes in Hamlet, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hamlet by Rating Factor

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

Car Insurance Premiums by Age in Hamlet

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hamlet,NC

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

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 Hamlet

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

Hamlet Car Insurance Rates by Violation

Hamlet auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hamlet after a DUI

Hamlet car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hamlet after Speeding ticket

Car Insurance Price Trends in Hamlet, North Carolina

Average Car Insurance Cost in Hamlet by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hamlet, NC

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

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