Cheapest Car Insurance Quotes in Kings Mountain

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Kings Mountain Car Insurance

^$ 32

/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 Kings Mountain

The car insurance rate in Kings Mountain is $956 for a six-month policy, which is $54 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $428, making it a popular choice for budget-conscious drivers. Rates in Kings Mountain 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 Kings Mountain

$956

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Kings Mountain

1st place: Erie

At $428 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $510 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 $585 for six months, making it the third cheapest auto insurance company in Kings Mountain.

Kings Mountain Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kings Mountain, NC is Erie, offering policies at just $428 for a six-month term. This is followed by Progressive, which has an average six-month premium of $510.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1221 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kings Mountain drivers find the best deals.

Cheap Car Insurance Companies in Kings Mountain, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$428	$72
Progressive	$510	$86
State Farm	$585	$99
North Carolina Farm Bureau	$692	$117
Nationwide	$900	$152
Farm Bureau	$1184	$201
Farmers	$1208	$201
Kemper	$1328	$226
Allstate	$1512	$254
Penn National	$1221	$204

Key Takeaways

Way's key takeaways about car insurance in Kings Mountain

The auto insurance costs in Kings Mountain fall around $428 for six months.
The cheapest auto insurance company in Kings Mountain is Erie.
Teen drivers pay the highest rate in Kings Mountain at $65 per month.

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Cheapest Minimum Liability Car Insurance in Kings Mountain

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 Kings Mountain are given below.

Erie provides the cheapest minimum car insurance coverage in Kings Mountain. Their Average 6 Month Premium is $189. National Farmers Union Insurance is the most expensive at $328 for the same period.

Cheapest Liability Coverage in Kings Mountain, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$189	$32
State Farm	$259	$43
Progressive	$270	$46
North Carolina Farm Bureau	$296	$50
Nationwide	$371	$63
National General	$384	$64
Penn National	$416	$71
Farm Bureau	$604	$101
Allstate	$661	$111
National Farmers Union Insurance	$328	$54

Cheapest Full Coverage Car Insurance in Kings Mountain

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 Kings Mountain is Erie at $72 per month and $428 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kings Mountain, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$428	$72
Progressive	$510	$86
State Farm	$585	$99
North Carolina Farm Bureau	$692	$117
Nationwide	$900	$152
Farm Bureau	$1184	$201
Farmers	$1208	$201
Kemper	$1328	$226
Allstate	$1512	$254
Penn National	$1221	$204

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Average Car Insurance in Kings Mountain 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 Kings Mountain, NC increasing?

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

Car Insurance Premiums by Age in Kings Mountain

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	$431
30s	North Carolina Farm Bureau	$431
40s	North Carolina Farm Bureau	$431
50s	North Carolina Farm Bureau	$431
60s	North Carolina Farm Bureau	$431
70s	North Carolina Farm Bureau	$431

Cheapest Car Insurance Rates for Teen Drivers in Kings Mountain,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Kings Mountain at $93 per month. At $377 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$554	$93
State Farm	$718	$121
Erie	$724	$122
North Carolina Farm Bureau	$1266	$213
Nationwide	$2739	$457
Allstate	$3311	$563
Penn National	$366	$60
National General	$377	$65

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 Kings Mountain.

As young drivers face the highest rates in Kings Mountain, North Carolina Farm Bureau offers the cheapest auto insurance rates at $431 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 Kings Mountain, North Carolina Farm Bureau is the cheapest car insurance provider. At $189 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 Kings Mountain is Allstate, offering rates of around $3331 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$189	$32
National General	$328	$54
Progressive	$353	$59
Erie	$409	$69
Nationwide	$812	$137
State Farm	$1398	$235
Farm Bureau	$1600	$272
Allstate	$3331	$555

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Car Insurance Rates with An Accident in Kings Mountain

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

Cheapest Car Insurance Companies after an At-Fault Accident in Kings Mountain

The cheapest car insurance companies after an at-fault accident in Kings Mountain include Progressive and Erie, offering $535 and $542, respectively. Farmers is an expensive provider with an average six-month premium of $561.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$535	$90
Erie	$542	$91
State Farm	$604	$102
North Carolina Farm Bureau	$831	$140
Nationwide	$1492	$251
Farm Bureau	$1883	$320
Allstate	$2846	$479
Penn National	$523	$89
Farmers	$561	$93

Kings Mountain Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kings Mountain NC. For example, the car insurance in Kings Mountain after a DUI increases to $1959 for a six month policy. While the rate increases by $233 for a six-month policy in the case of a speeding ticket.

Kings Mountain auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$604	$101
One Med/PIP claim	$604	$103
Not-at-fault accident	$611	$102
One comp claim	$623	$106
Two Med/PIP claims	$623	$104
Two comp claims	$642	$109
Failure to show documents	$711	$119
Child safety restraint	$788	$134
Driving without lights	$788	$131
Failure to wear a seat belt	$788	$134
Cell phone violation	$831	$139
Texting while driving	$831	$141
Speeding 6 - 10 MPH over limit	$837	$140
Driving with expired registration	$844	$143
Driving too slowly	$856	$143
Failure to stop at a red light	$856	$145
Failure to yield	$856	$143
Illegal turn	$856	$145
Open container	$856	$143
Operating a vehicle without permission	$856	$145
Wrong way/wrong lane	$856	$143
Speeding in school zone	$863	$146
At-fault accident - $1000-$2000	$869	$145
At-fault accident - less than $1000	$869	$147
In 65 MPH zone	$919	$154
Speeding 11 - 15 MPH over limit	$919	$156
Speeding 16 - 20 MPH over limit	$919	$154
Speeding 21 - 25 MPH over limit	$919	$156
Improper passing	$938	$157
Following too closely	$944	$161
At-fault accident - greater than $2000	$1013	$169
Passing school bus	$1152	$196
Reckless driving	$1165	$194
Driving with a suspended license	$1801	$306
Leaving scene of an accident/hit and run	$2531	$422
Refusal to submit to a chemical test	$2557	$435
DUI	$2563	$427
Racing	$2607	$443

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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 Kings Mountain 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 Kings Mountain.

The cheapest car insurance premiums in Kings Mountain are offered by National General at $435 for a six-month policy. However, it can be as expensive as $1442 with companies like Farmers.

Kings Mountain car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$435	$74
Progressive	$1398	$235
State Farm	$1555	$262
Erie	$1649	$278
Nationwide	$3092	$520
North Carolina Farm Bureau	$3412	$575
Allstate	$6560	$1105
Farm Bureau	$7046	$1174
Farmers	$1442	$241

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 Kings Mountain are offered by North Carolina Farm Bureau at $201. However, it can be as expensive as $2197 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Kings Mountain after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$201	$34
National General	$422	$72
Erie	$428	$72
State Farm	$460	$77
Progressive	$478	$81
Nationwide	$863	$145
Farm Bureau	$1580	$263
Allstate	$2197	$373

Car Insurance Price Trends in Kings Mountain, North Carolina

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

The average cost of full coverage in the Kings Mountain remained steady at $121 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Kings Mountain remained steady at $58 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 Kings Mountain?

The car insurance in Kings Mountain is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Kings Mountain?

The cheapest car insurance in Kings Mountain is $72 per month for full coverage.

How much is car insurance in Kings Mountain for teenagers?

Car insurance for teenagers costs $554 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 Kings Mountain?

The average cost of car insurance is $902 for a six-month policy. It will cost around $161 per month to insure your car in Kings Mountain.

Is car insurance expensive in Kings Mountain?

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

Cheapest Car Insurance Quotes in Kings Mountain

Why you can trust Way?

How Much Is Car Insurance in Kings Mountain

Avg. Car Insurance in Kings Mountain

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Kings Mountain

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Kings Mountain Car Insurance Rates by Company

Cheap Car Insurance Companies in Kings Mountain, NC

Way's key takeaways about car insurance in Kings Mountain

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Kings Mountain

Cheapest Liability Coverage in Kings Mountain, NC

Cheapest Full Coverage Car Insurance in Kings Mountain

Cheapest Full Coverage Car Insurance Quotes in Kings Mountain, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Kings Mountain by Rating Factor

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

Car Insurance Premiums by Age in Kings Mountain

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Kings Mountain,NC

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

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 Kings Mountain

Cheapest Car Insurance Companies after an At-Fault Accident in Kings Mountain

Kings Mountain Car Insurance Rates by Violation

Kings Mountain auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Kings Mountain after a DUI

Kings Mountain car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Kings Mountain after Speeding ticket

Car Insurance Price Trends in Kings Mountain, North Carolina

Average Car Insurance Cost in Kings Mountain by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Kings Mountain, NC

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

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