Cheapest Car Insurance Quotes in Harkers Island

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Harkers Island Car Insurance

^$ 25

/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 Harkers Island

The car insurance rate in Harkers Island is $758 for a six-month policy, which is $144 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $339, making it a popular choice for budget-conscious drivers. Rates in Harkers Island 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 Harkers Island

$758

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Harkers Island

1st place: Erie

At $339 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $404 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 $464 for six months, making it the third cheapest auto insurance company in Harkers Island.

Harkers Island Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Harkers Island, NC is Erie, offering policies at just $339 for a six-month term. This is followed by Progressive, which has an average six-month premium of $404.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $968 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Harkers Island drivers find the best deals.

Cheap Car Insurance Companies in Harkers Island, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$339	$57
Progressive	$404	$68
State Farm	$464	$78
North Carolina Farm Bureau	$549	$92
Nationwide	$713	$120
Farm Bureau	$938	$160
Farmers	$958	$160
Kemper	$1053	$179
Allstate	$1198	$202
Penn National	$968	$161

Key Takeaways

Way's key takeaways about car insurance in Harkers Island

The auto insurance costs in Harkers Island fall around $339 for six months.
The cheapest auto insurance company in Harkers Island is Erie.
Teen drivers pay the highest rate in Harkers Island at $51 per month.

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Cheapest Minimum Liability Car Insurance in Harkers Island

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 Harkers Island are given below.

Erie provides the cheapest minimum car insurance coverage in Harkers Island. Their Average 6 Month Premium is $150. National Farmers Union Insurance is the most expensive at $260 for the same period.

Cheapest Liability Coverage in Harkers Island, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$150	$25
State Farm	$205	$34
Progressive	$214	$36
North Carolina Farm Bureau	$234	$39
Nationwide	$294	$50
National General	$304	$50
Penn National	$329	$56
Farm Bureau	$479	$80
Allstate	$524	$88
National Farmers Union Insurance	$260	$43

Cheapest Full Coverage Car Insurance in Harkers Island

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 Harkers Island is Erie at $57 per month and $339 for six months.

Cheapest Full Coverage Car Insurance Quotes in Harkers Island, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$339	$57
Progressive	$404	$68
State Farm	$464	$78
North Carolina Farm Bureau	$549	$92
Nationwide	$713	$120
Farm Bureau	$938	$160
Farmers	$958	$160
Kemper	$1053	$179
Allstate	$1198	$202
Penn National	$968	$161

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Average Car Insurance in Harkers Island 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 Harkers Island, NC increasing?

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

Car Insurance Premiums by Age in Harkers Island

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	$342
30s	North Carolina Farm Bureau	$342
40s	North Carolina Farm Bureau	$342
50s	North Carolina Farm Bureau	$342
60s	North Carolina Farm Bureau	$342
70s	North Carolina Farm Bureau	$342

Cheapest Car Insurance Rates for Teen Drivers in Harkers Island,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Harkers Island at $74 per month. At $299 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$439	$74
State Farm	$569	$96
Erie	$574	$97
North Carolina Farm Bureau	$1003	$169
Nationwide	$2171	$362
Allstate	$2624	$446
Penn National	$290	$48
National General	$299	$51

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 Harkers Island.

As young drivers face the highest rates in Harkers Island, North Carolina Farm Bureau offers the cheapest auto insurance rates at $342 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 Harkers Island, North Carolina Farm Bureau is the cheapest car insurance provider. At $150 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 Harkers Island is Allstate, offering rates of around $2639 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$150	$25
National General	$260	$43
Progressive	$280	$47
Erie	$324	$55
Nationwide	$643	$108
State Farm	$1108	$186
Farm Bureau	$1268	$216
Allstate	$2639	$440

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Car Insurance Rates with An Accident in Harkers Island

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

Cheapest Car Insurance Companies after an At-Fault Accident in Harkers Island

The cheapest car insurance companies after an at-fault accident in Harkers Island include Progressive and Erie, offering $424 and $429, respectively. Farmers is an expensive provider with an average six-month premium of $444.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$424	$71
Erie	$429	$72
State Farm	$479	$81
North Carolina Farm Bureau	$659	$111
Nationwide	$1183	$199
Farm Bureau	$1492	$254
Allstate	$2255	$380
Penn National	$414	$71
Farmers	$444	$74

Harkers Island Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Harkers Island NC. For example, the car insurance in Harkers Island after a DUI increases to $1552 for a six month policy. While the rate increases by $185 for a six-month policy in the case of a speeding ticket.

Harkers Island auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$479	$80
One Med/PIP claim	$479	$81
Not-at-fault accident	$484	$81
One comp claim	$494	$84
Two Med/PIP claims	$494	$82
Two comp claims	$509	$87
Failure to show documents	$564	$94
Child safety restraint	$624	$106
Driving without lights	$624	$104
Failure to wear a seat belt	$624	$106
Cell phone violation	$659	$110
Texting while driving	$659	$112
Speeding 6 - 10 MPH over limit	$664	$111
Driving with expired registration	$669	$113
Driving too slowly	$679	$113
Failure to stop at a red light	$679	$115
Failure to yield	$679	$113
Illegal turn	$679	$115
Open container	$679	$113
Operating a vehicle without permission	$679	$115
Wrong way/wrong lane	$679	$113
Speeding in school zone	$684	$116
At-fault accident - $1000-$2000	$689	$115
At-fault accident - less than $1000	$689	$117
In 65 MPH zone	$728	$122
Speeding 11 - 15 MPH over limit	$728	$123
Speeding 16 - 20 MPH over limit	$728	$122
Speeding 21 - 25 MPH over limit	$728	$123
Improper passing	$743	$124
Following too closely	$748	$128
At-fault accident - greater than $2000	$803	$134
Passing school bus	$913	$155
Reckless driving	$923	$154
Driving with a suspended license	$1427	$243
Leaving scene of an accident/hit and run	$2006	$334
Refusal to submit to a chemical test	$2026	$344
DUI	$2031	$339
Racing	$2066	$351

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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 Harkers Island 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 Harkers Island.

The cheapest car insurance premiums in Harkers Island are offered by National General at $344 for a six-month policy. However, it can be as expensive as $1142 with companies like Farmers.

Harkers Island car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$344	$59
Progressive	$1108	$186
State Farm	$1232	$207
Erie	$1307	$220
Nationwide	$2450	$412
North Carolina Farm Bureau	$2704	$455
Allstate	$5199	$875
Farm Bureau	$5583	$931
Farmers	$1142	$191

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 Harkers Island are offered by North Carolina Farm Bureau at $160. However, it can be as expensive as $1741 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Harkers Island after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$160	$27
National General	$334	$57
Erie	$339	$57
State Farm	$365	$61
Progressive	$379	$64
Nationwide	$684	$115
Farm Bureau	$1252	$208
Allstate	$1741	$296

Car Insurance Price Trends in Harkers Island, North Carolina

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

The average cost of full coverage in the Harkers Island remained steady at $96 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Harkers Island remained steady at $46 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 Harkers Island?

The car insurance in Harkers Island is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Harkers Island?

The cheapest car insurance in Harkers Island is $57 per month for full coverage.

How much is car insurance in Harkers Island for teenagers?

Car insurance for teenagers costs $439 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 Harkers Island?

The average cost of car insurance is $902 for a six-month policy. It will cost around $128 per month to insure your car in Harkers Island.

Is car insurance expensive in Harkers Island?

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

Cheapest Car Insurance Quotes in Harkers Island

Why you can trust Way?

How Much Is Car Insurance in Harkers Island

Avg. Car Insurance in Harkers Island

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Harkers Island

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Harkers Island Car Insurance Rates by Company

Cheap Car Insurance Companies in Harkers Island, NC

Way's key takeaways about car insurance in Harkers Island

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Harkers Island

Cheapest Liability Coverage in Harkers Island, NC

Cheapest Full Coverage Car Insurance in Harkers Island

Cheapest Full Coverage Car Insurance Quotes in Harkers Island, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Harkers Island by Rating Factor

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

Car Insurance Premiums by Age in Harkers Island

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Harkers Island,NC

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

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 Harkers Island

Cheapest Car Insurance Companies after an At-Fault Accident in Harkers Island

Harkers Island Car Insurance Rates by Violation

Harkers Island auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Harkers Island after a DUI

Harkers Island car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Harkers Island after Speeding ticket

Car Insurance Price Trends in Harkers Island, North Carolina

Average Car Insurance Cost in Harkers Island by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Harkers Island, NC

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

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