Featured in
399,755 Policies Sold
Jaars Car Insurance
/mo
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.
The car insurance rate in Jaars is $974 for a six-month policy, which is $72 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $436, making it a popular choice for budget-conscious drivers. Rates in Jaars 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.
At $436 for a six month policy, Erie offers the cheapest auto insurance rates in the city.
Progressive offers auto insurance rates at $519 for a six-month policy, making it one of the cheapest to insure with.
State Farm offers auto insurance rates at $596 for six months, making it the third cheapest auto insurance company in Jaars.
Based on our research, the cheapest car insurance company in Jaars, NC is Erie, offering policies at just $436 for a six-month term. This is followed by Progressive, which has an average six-month premium of $519.
At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1244 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Jaars drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Erie | $436 | $73 |
| Progressive | $519 | $87 |
| State Farm | $596 | $100 |
| North Carolina Farm Bureau | $705 | $119 |
| Nationwide | $917 | $154 |
| Farm Bureau | $1206 | $205 |
| Farmers | $1231 | $205 |
| Kemper | $1353 | $230 |
| Allstate | $1540 | $259 |
| Penn National | $1244 | $207 |
Save up to $971/yr with our auto insurance quotes
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 Jaars are given below.
Erie provides the cheapest minimum car insurance coverage in Jaars. Their Average 6 Month Premium is $192. National Farmers Union Insurance is the most expensive at $334 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Erie | $192 | $32 |
| State Farm | $264 | $44 |
| Progressive | $275 | $46 |
| North Carolina Farm Bureau | $301 | $51 |
| Nationwide | $378 | $64 |
| National General | $391 | $65 |
| Penn National | $423 | $72 |
| Farm Bureau | $616 | $103 |
| Allstate | $674 | $113 |
| National Farmers Union Insurance | $334 | $55 |
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 Jaars is Erie at $73 per month and $436 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Erie | $436 | $73 |
| Progressive | $519 | $87 |
| State Farm | $596 | $100 |
| North Carolina Farm Bureau | $705 | $119 |
| Nationwide | $917 | $154 |
| Farm Bureau | $1206 | $205 |
| Farmers | $1231 | $205 |
| Kemper | $1353 | $230 |
| Allstate | $1540 | $259 |
| Penn National | $1244 | $207 |
Get Your Car Insurance Quote in Jaars Instantly!
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.
Despite maintaining a clean driving record, your car insurance rates in Jaars, 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, Jaars's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | North Carolina Farm Bureau | $440 |
| 30s | North Carolina Farm Bureau | $440 |
| 40s | North Carolina Farm Bureau | $440 |
| 50s | North Carolina Farm Bureau | $440 |
| 60s | North Carolina Farm Bureau | $440 |
| 70s | North Carolina Farm Bureau | $440 |
If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Jaars at $95 per month. At $384 for a six-month premium, National General offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $565 | $95 |
| State Farm | $731 | $123 |
| Erie | $738 | $124 |
| North Carolina Farm Bureau | $1290 | $217 |
| Nationwide | $2791 | $465 |
| Allstate | $3374 | $573 |
| Penn National | $373 | $62 |
| National General | $384 | $66 |
Teen Car Insurance Rates in NC by Age
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.
For those with poor credit scores in Jaars, North Carolina Farm Bureau is the cheapest car insurance provider. At $192 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 Jaars is Allstate, offering rates of around $3393 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| North Carolina Farm Bureau | $192 | $32 |
| National General | $334 | $55 |
| Progressive | $360 | $60 |
| Erie | $417 | $70 |
| Nationwide | $827 | $139 |
| State Farm | $1425 | $240 |
| Farm Bureau | $1630 | $278 |
| Allstate | $3393 | $566 |
Save up to $971/yr on car insurance rates in Jaars.
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 Jaars, NC, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Jaars include Progressive and Erie, offering $545 and $552, respectively. Farmers is an expensive provider with an average six-month premium of $571.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $545 | $92 |
| Erie | $552 | $93 |
| State Farm | $616 | $104 |
| North Carolina Farm Bureau | $847 | $143 |
| Nationwide | $1521 | $256 |
| Farm Bureau | $1918 | $326 |
| Allstate | $2900 | $488 |
| Penn National | $532 | $91 |
| Farmers | $571 | $95 |
Here is a list of driving violations that can increase your car insurance rates in Jaars NC. For example, the car insurance in Jaars after a DUI increases to $1995 for a six month policy. While the rate increases by $237 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $616 | $103 |
| One Med/PIP claim | $616 | $105 |
| Not-at-fault accident | $622 | $104 |
| One comp claim | $635 | $108 |
| Two Med/PIP claims | $635 | $106 |
| Two comp claims | $654 | $111 |
| Failure to show documents | $725 | $121 |
| Child safety restraint | $802 | $136 |
| Driving without lights | $802 | $134 |
| Failure to wear a seat belt | $802 | $136 |
| Cell phone violation | $847 | $141 |
| Texting while driving | $847 | $144 |
| Speeding 6 - 10 MPH over limit | $853 | $143 |
| Driving with expired registration | $860 | $146 |
| Driving too slowly | $873 | $146 |
| Failure to stop at a red light | $873 | $148 |
| Failure to yield | $873 | $146 |
| Illegal turn | $873 | $148 |
| Open container | $873 | $146 |
| Operating a vehicle without permission | $873 | $148 |
| Wrong way/wrong lane | $873 | $146 |
| Speeding in school zone | $879 | $149 |
| At-fault accident - $1000-$2000 | $886 | $148 |
| At-fault accident - less than $1000 | $886 | $150 |
| In 65 MPH zone | $936 | $157 |
| Speeding 11 - 15 MPH over limit | $936 | $159 |
| Speeding 16 - 20 MPH over limit | $936 | $157 |
| Speeding 21 - 25 MPH over limit | $936 | $159 |
| Improper passing | $956 | $160 |
| Following too closely | $962 | $164 |
| At-fault accident - greater than $2000 | $1032 | $172 |
| Passing school bus | $1174 | $200 |
| Reckless driving | $1187 | $198 |
| Driving with a suspended license | $1835 | $312 |
| Leaving scene of an accident/hit and run | $2579 | $430 |
| Refusal to submit to a chemical test | $2605 | $443 |
| DUI | $2611 | $435 |
| Racing | $2656 | $451 |
Get smarter car insurance rates in minutes today!
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.
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 Jaars.
The cheapest car insurance premiums in Jaars are offered by National General at $443 for a six-month policy. However, it can be as expensive as $1469 with companies like Farmers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| National General | $443 | $76 |
| Progressive | $1425 | $240 |
| State Farm | $1584 | $267 |
| Erie | $1680 | $283 |
| Nationwide | $3150 | $530 |
| North Carolina Farm Bureau | $3477 | $585 |
| Allstate | $6684 | $1125 |
| Farm Bureau | $7179 | $1197 |
| Farmers | $1469 | $245 |
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 Jaars are offered by North Carolina Farm Bureau at $205. However, it can be as expensive as $2239 with companies like Allstate for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| North Carolina Farm Bureau | $205 | $35 |
| National General | $430 | $73 |
| Erie | $436 | $73 |
| State Farm | $469 | $79 |
| Progressive | $487 | $82 |
| Nationwide | $879 | $148 |
| Farm Bureau | $1610 | $268 |
| Allstate | $2239 | $380 |
Car insurance rates in Jaars have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Jaars remained steady at $123 in both November and October, indicating no change over the two month period.
The average cost of liability insurance in the Jaars remained steady at $59 in both November and October, indicating no change over the two month period.
How much is car insurance in Jaars?
The car insurance in Jaars is $32 per month, which is lower than the national average.
What is the cheapest car insurance in Jaars?
The cheapest car insurance in Jaars is $73 per month for full coverage.
How much is car insurance in Jaars for teenagers?
Car insurance for teenagers costs $565 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 Jaars?
The average cost of car insurance is $902 for a six-month policy. It will cost around $164 per month to insure your car in Jaars.
Is car insurance expensive in Jaars?
Car insurance can be expensive in Jaars if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Jaars can be affordable.
What is the best car insurance in Jaars, NC?
The best car insurance company in Jaars NC is Erie, offering $436 for a six-month policy.
Cut auto insurance costs in Jaars right now.