Cheapest Car Insurance Quotes in Hildebran

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Hildebran Car Insurance

^$ 30

/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 Hildebran

The car insurance rate in Hildebran is $893 for a six-month policy, which is $9 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $400, making it a popular choice for budget-conscious drivers. Rates in Hildebran 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 Hildebran

$893

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Hildebran

1st place: Erie

At $400 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $476 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 $546 for six months, making it the third cheapest auto insurance company in Hildebran.

Hildebran Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hildebran, NC is Erie, offering policies at just $400 for a six-month term. This is followed by Progressive, which has an average six-month premium of $476.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1140 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hildebran drivers find the best deals.

Cheap Car Insurance Companies in Hildebran, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$400	$67
Progressive	$476	$80
State Farm	$546	$92
North Carolina Farm Bureau	$646	$109
Nationwide	$841	$142
Farm Bureau	$1106	$188
Farmers	$1129	$188
Kemper	$1240	$211
Allstate	$1412	$238
Penn National	$1140	$190

Key Takeaways

Way's key takeaways about car insurance in Hildebran

The auto insurance costs in Hildebran fall around $400 for six months.
The cheapest auto insurance company in Hildebran is Erie.
Teen drivers pay the highest rate in Hildebran at $60 per month.

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Cheapest Minimum Liability Car Insurance in Hildebran

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 Hildebran are given below.

Erie provides the cheapest minimum car insurance coverage in Hildebran. Their Average 6 Month Premium is $176. National Farmers Union Insurance is the most expensive at $306 for the same period.

Cheapest Liability Coverage in Hildebran, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$176	$30
State Farm	$242	$41
Progressive	$252	$43
North Carolina Farm Bureau	$276	$47
Nationwide	$347	$58
National General	$358	$59
Penn National	$388	$66
Farm Bureau	$564	$94
Allstate	$618	$104
National Farmers Union Insurance	$306	$50

Cheapest Full Coverage Car Insurance in Hildebran

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 Hildebran is Erie at $67 per month and $400 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hildebran, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$400	$67
Progressive	$476	$80
State Farm	$546	$92
North Carolina Farm Bureau	$646	$109
Nationwide	$841	$142
Farm Bureau	$1106	$188
Farmers	$1129	$188
Kemper	$1240	$211
Allstate	$1412	$238
Penn National	$1140	$190

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Average Car Insurance in Hildebran 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 Hildebran, NC increasing?

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

Car Insurance Premiums by Age in Hildebran

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	$403
30s	North Carolina Farm Bureau	$403
40s	North Carolina Farm Bureau	$403
50s	North Carolina Farm Bureau	$403
60s	North Carolina Farm Bureau	$403
70s	North Carolina Farm Bureau	$403

Cheapest Car Insurance Rates for Teen Drivers in Hildebran,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Hildebran at $87 per month. At $352 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$518	$87
State Farm	$670	$113
Erie	$676	$114
North Carolina Farm Bureau	$1182	$199
Nationwide	$2558	$427
Allstate	$3093	$526
Penn National	$342	$56
National General	$352	$60

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 Hildebran.

As young drivers face the highest rates in Hildebran, North Carolina Farm Bureau offers the cheapest auto insurance rates at $403 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 Hildebran, North Carolina Farm Bureau is the cheapest car insurance provider. At $176 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 Hildebran is Allstate, offering rates of around $3111 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$176	$30
National General	$306	$50
Progressive	$330	$55
Erie	$382	$64
Nationwide	$758	$128
State Farm	$1306	$220
Farm Bureau	$1494	$254
Allstate	$3111	$519

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Car Insurance Rates with An Accident in Hildebran

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

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

The cheapest car insurance companies after an at-fault accident in Hildebran include Progressive and Erie, offering $500 and $506, respectively. Farmers is an expensive provider with an average six-month premium of $524.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$500	$84
Erie	$506	$85
State Farm	$564	$95
North Carolina Farm Bureau	$776	$131
Nationwide	$1394	$235
Farm Bureau	$1758	$299
Allstate	$2658	$447
Penn National	$488	$83
Farmers	$524	$87

Hildebran Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hildebran NC. For example, the car insurance in Hildebran after a DUI increases to $1830 for a six month policy. While the rate increases by $218 for a six-month policy in the case of a speeding ticket.

Hildebran auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$564	$94
One Med/PIP claim	$564	$96
Not-at-fault accident	$570	$95
One comp claim	$582	$99
Two Med/PIP claims	$582	$97
Two comp claims	$600	$102
Failure to show documents	$664	$111
Child safety restraint	$736	$125
Driving without lights	$736	$123
Failure to wear a seat belt	$736	$125
Cell phone violation	$776	$130
Texting while driving	$776	$132
Speeding 6 - 10 MPH over limit	$782	$131
Driving with expired registration	$788	$134
Driving too slowly	$800	$134
Failure to stop at a red light	$800	$136
Failure to yield	$800	$134
Illegal turn	$800	$136
Open container	$800	$134
Operating a vehicle without permission	$800	$136
Wrong way/wrong lane	$800	$134
Speeding in school zone	$806	$137
At-fault accident - $1000-$2000	$812	$136
At-fault accident - less than $1000	$812	$138
In 65 MPH zone	$858	$144
Speeding 11 - 15 MPH over limit	$858	$146
Speeding 16 - 20 MPH over limit	$858	$144
Speeding 21 - 25 MPH over limit	$858	$146
Improper passing	$876	$147
Following too closely	$882	$150
At-fault accident - greater than $2000	$946	$157
Passing school bus	$1076	$183
Reckless driving	$1088	$181
Driving with a suspended license	$1682	$286
Leaving scene of an accident/hit and run	$2364	$394
Refusal to submit to a chemical test	$2388	$406
DUI	$2394	$399
Racing	$2434	$414

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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 Hildebran 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 Hildebran.

The cheapest car insurance premiums in Hildebran are offered by National General at $406 for a six-month policy. However, it can be as expensive as $1346 with companies like Farmers.

Hildebran car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$406	$69
Progressive	$1306	$220
State Farm	$1452	$245
Erie	$1540	$259
Nationwide	$2888	$486
North Carolina Farm Bureau	$3187	$537
Allstate	$6127	$1032
Farm Bureau	$6581	$1097
Farmers	$1346	$225

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 Hildebran are offered by North Carolina Farm Bureau at $188. However, it can be as expensive as $2052 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hildebran after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$188	$32
National General	$394	$67
Erie	$400	$67
State Farm	$430	$72
Progressive	$446	$75
Nationwide	$806	$136
Farm Bureau	$1476	$246
Allstate	$2052	$348

Car Insurance Price Trends in Hildebran, North Carolina

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

The average cost of full coverage in the Hildebran remained steady at $113 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Hildebran remained steady at $54 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 Hildebran?

The car insurance in Hildebran is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Hildebran?

The cheapest car insurance in Hildebran is $67 per month for full coverage.

How much is car insurance in Hildebran for teenagers?

Car insurance for teenagers costs $518 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 Hildebran?

The average cost of car insurance is $902 for a six-month policy. It will cost around $150 per month to insure your car in Hildebran.

Is car insurance expensive in Hildebran?

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

Cheapest Car Insurance Quotes in Hildebran

Why you can trust Way?

How Much Is Car Insurance in Hildebran

Avg. Car Insurance in Hildebran

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Hildebran

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Hildebran Car Insurance Rates by Company

Cheap Car Insurance Companies in Hildebran, NC

Way's key takeaways about car insurance in Hildebran

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hildebran

Cheapest Liability Coverage in Hildebran, NC

Cheapest Full Coverage Car Insurance in Hildebran

Cheapest Full Coverage Car Insurance Quotes in Hildebran, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hildebran by Rating Factor

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

Car Insurance Premiums by Age in Hildebran

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hildebran,NC

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

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 Hildebran

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

Hildebran Car Insurance Rates by Violation

Hildebran auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hildebran after a DUI

Hildebran car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hildebran after Speeding ticket

Car Insurance Price Trends in Hildebran, North Carolina

Average Car Insurance Cost in Hildebran by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hildebran, NC

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

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