Cheapest Car Insurance Quotes in Hoffman

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399,755 Policies Sold

Hoffman Car Insurance

^$ 34

/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 Hoffman

The car insurance rate in Hoffman is $1028 for a six-month policy, which is $126 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $461, making it a popular choice for budget-conscious drivers. Rates in Hoffman 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 Hoffman

$1028

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Hoffman

1st place: Erie

At $461 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $548 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 $629 for six months, making it the third cheapest auto insurance company in Hoffman.

Hoffman Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hoffman, NC is Erie, offering policies at just $461 for a six-month term. This is followed by Progressive, which has an average six-month premium of $548.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1313 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hoffman drivers find the best deals.

Cheap Car Insurance Companies in Hoffman, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$461	$78
Progressive	$548	$92
State Farm	$629	$106
North Carolina Farm Bureau	$744	$125
Nationwide	$968	$163
Farm Bureau	$1273	$217
Farmers	$1300	$217
Kemper	$1428	$243
Allstate	$1626	$274
Penn National	$1313	$219

Key Takeaways

Way's key takeaways about car insurance in Hoffman

The auto insurance costs in Hoffman fall around $461 for six months.
The cheapest auto insurance company in Hoffman is Erie.
Teen drivers pay the highest rate in Hoffman at $70 per month.

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Cheapest Minimum Liability Car Insurance in Hoffman

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 Hoffman are given below.

Erie provides the cheapest minimum car insurance coverage in Hoffman. Their Average 6 Month Premium is $203. National Farmers Union Insurance is the most expensive at $352 for the same period.

Cheapest Liability Coverage in Hoffman, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$203	$34
State Farm	$278	$47
Progressive	$291	$49
North Carolina Farm Bureau	$318	$54
Nationwide	$399	$67
National General	$413	$68
Penn National	$447	$76
Farm Bureau	$650	$108
Allstate	$711	$120
National Farmers Union Insurance	$352	$58

Cheapest Full Coverage Car Insurance in Hoffman

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 Hoffman is Erie at $78 per month and $461 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hoffman, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$461	$78
Progressive	$548	$92
State Farm	$629	$106
North Carolina Farm Bureau	$744	$125
Nationwide	$968	$163
Farm Bureau	$1273	$217
Farmers	$1300	$217
Kemper	$1428	$243
Allstate	$1626	$274
Penn National	$1313	$219

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Average Car Insurance in Hoffman 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 Hoffman, NC increasing?

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

Car Insurance Premiums by Age in Hoffman

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	$464
30s	North Carolina Farm Bureau	$464
40s	North Carolina Farm Bureau	$464
50s	North Carolina Farm Bureau	$464
60s	North Carolina Farm Bureau	$464
70s	North Carolina Farm Bureau	$464

Cheapest Car Insurance Rates for Teen Drivers in Hoffman,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Hoffman at $100 per month. At $406 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$596	$100
State Farm	$772	$130
Erie	$779	$131
North Carolina Farm Bureau	$1361	$229
Nationwide	$2946	$491
Allstate	$3561	$605
Penn National	$393	$65
National General	$406	$70

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 Hoffman.

As young drivers face the highest rates in Hoffman, North Carolina Farm Bureau offers the cheapest auto insurance rates at $464 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 Hoffman, North Carolina Farm Bureau is the cheapest car insurance provider. At $203 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 Hoffman is Allstate, offering rates of around $3582 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$203	$34
National General	$352	$58
Progressive	$380	$64
Erie	$440	$74
Nationwide	$873	$147
State Farm	$1504	$253
Farm Bureau	$1720	$293
Allstate	$3582	$597

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

Car Insurance Rates with An Accident in Hoffman

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

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

The cheapest car insurance companies after an at-fault accident in Hoffman include Progressive and Erie, offering $576 and $583, respectively. Farmers is an expensive provider with an average six-month premium of $603.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$576	$97
Erie	$583	$98
State Farm	$650	$109
North Carolina Farm Bureau	$894	$150
Nationwide	$1605	$270
Farm Bureau	$2025	$344
Allstate	$3061	$515
Penn National	$562	$96
Farmers	$603	$100

Hoffman Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hoffman NC. For example, the car insurance in Hoffman after a DUI increases to $2107 for a six month policy. While the rate increases by $251 for a six-month policy in the case of a speeding ticket.

Hoffman auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$650	$108
One Med/PIP claim	$650	$111
Not-at-fault accident	$657	$109
One comp claim	$670	$114
Two Med/PIP claims	$670	$112
Two comp claims	$691	$117
Failure to show documents	$765	$128
Child safety restraint	$847	$144
Driving without lights	$847	$141
Failure to wear a seat belt	$847	$144
Cell phone violation	$894	$149
Texting while driving	$894	$152
Speeding 6 - 10 MPH over limit	$901	$150
Driving with expired registration	$907	$154
Driving too slowly	$921	$154
Failure to stop at a red light	$921	$156
Failure to yield	$921	$154
Illegal turn	$921	$156
Open container	$921	$154
Operating a vehicle without permission	$921	$156
Wrong way/wrong lane	$921	$154
Speeding in school zone	$928	$157
At-fault accident - $1000-$2000	$935	$156
At-fault accident - less than $1000	$935	$158
In 65 MPH zone	$988	$165
Speeding 11 - 15 MPH over limit	$988	$168
Speeding 16 - 20 MPH over limit	$988	$165
Speeding 21 - 25 MPH over limit	$988	$168
Improper passing	$1009	$169
Following too closely	$1016	$173
At-fault accident - greater than $2000	$1090	$181
Passing school bus	$1239	$211
Reckless driving	$1253	$209
Driving with a suspended license	$1937	$329
Leaving scene of an accident/hit and run	$2722	$454
Refusal to submit to a chemical test	$2750	$467
DUI	$2757	$459
Racing	$2803	$477

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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 Hoffman 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 Hoffman.

The cheapest car insurance premiums in Hoffman are offered by National General at $467 for a six-month policy. However, it can be as expensive as $1550 with companies like Farmers.

Hoffman car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$467	$80
Progressive	$1504	$253
State Farm	$1672	$282
Erie	$1774	$299
Nationwide	$3325	$560
North Carolina Farm Bureau	$3670	$618
Allstate	$7055	$1188
Farm Bureau	$7578	$1263
Farmers	$1550	$259

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 Hoffman are offered by North Carolina Farm Bureau at $217. However, it can be as expensive as $2363 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hoffman after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$217	$36
National General	$454	$78
Erie	$461	$78
State Farm	$495	$83
Progressive	$514	$87
Nationwide	$928	$156
Farm Bureau	$1700	$283
Allstate	$2363	$401

Car Insurance Price Trends in Hoffman, North Carolina

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

The average cost of full coverage in the Hoffman remained steady at $130 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Hoffman remained steady at $63 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 Hoffman?

The car insurance in Hoffman is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Hoffman?

The cheapest car insurance in Hoffman is $78 per month for full coverage.

How much is car insurance in Hoffman for teenagers?

Car insurance for teenagers costs $596 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 Hoffman?

The average cost of car insurance is $902 for a six-month policy. It will cost around $173 per month to insure your car in Hoffman.

Is car insurance expensive in Hoffman?

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

Cheapest Car Insurance Quotes in Hoffman

Why you can trust Way?

How Much Is Car Insurance in Hoffman

Avg. Car Insurance in Hoffman

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Hoffman

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Hoffman Car Insurance Rates by Company

Cheap Car Insurance Companies in Hoffman, NC

Way's key takeaways about car insurance in Hoffman

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hoffman

Cheapest Liability Coverage in Hoffman, NC

Cheapest Full Coverage Car Insurance in Hoffman

Cheapest Full Coverage Car Insurance Quotes in Hoffman, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hoffman by Rating Factor

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

Car Insurance Premiums by Age in Hoffman

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hoffman,NC

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

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 Hoffman

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

Hoffman Car Insurance Rates by Violation

Hoffman auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hoffman after a DUI

Hoffman car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hoffman after Speeding ticket

Car Insurance Price Trends in Hoffman, North Carolina

Average Car Insurance Cost in Hoffman by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hoffman, NC

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

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