Cheapest Car Insurance Quotes in Laurel Hill

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Laurel Hill 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 Laurel Hill

The car insurance rate in Laurel Hill is $1010 for a six-month policy, which is $108 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $452, making it a popular choice for budget-conscious drivers. Rates in Laurel Hill 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 Laurel Hill

$1010

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Laurel Hill

1st place: Erie

At $452 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $539 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 $618 for six months, making it the third cheapest auto insurance company in Laurel Hill.

Laurel Hill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Laurel Hill, NC is Erie, offering policies at just $452 for a six-month term. This is followed by Progressive, which has an average six-month premium of $539.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1290 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Laurel Hill drivers find the best deals.

Cheap Car Insurance Companies in Laurel Hill, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$452	$76
Progressive	$539	$91
State Farm	$618	$104
North Carolina Farm Bureau	$731	$123
Nationwide	$951	$160
Farm Bureau	$1251	$213
Farmers	$1277	$213
Kemper	$1403	$239
Allstate	$1597	$269
Penn National	$1290	$215

Key Takeaways

Way's key takeaways about car insurance in Laurel Hill

The auto insurance costs in Laurel Hill fall around $452 for six months.
The cheapest auto insurance company in Laurel Hill is Erie.
Teen drivers pay the highest rate in Laurel Hill at $68 per month.

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Cheapest Minimum Liability Car Insurance in Laurel Hill

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 Laurel Hill are given below.

Erie provides the cheapest minimum car insurance coverage in Laurel Hill. Their Average 6 Month Premium is $199. National Farmers Union Insurance is the most expensive at $346 for the same period.

Cheapest Liability Coverage in Laurel Hill, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$199	$34
State Farm	$273	$46
Progressive	$286	$48
North Carolina Farm Bureau	$312	$53
Nationwide	$392	$66
National General	$405	$67
Penn National	$439	$75
Farm Bureau	$638	$106
Allstate	$699	$118
National Farmers Union Insurance	$346	$57

Cheapest Full Coverage Car Insurance in Laurel Hill

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 Laurel Hill is Erie at $76 per month and $452 for six months.

Cheapest Full Coverage Car Insurance Quotes in Laurel Hill, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$452	$76
Progressive	$539	$91
State Farm	$618	$104
North Carolina Farm Bureau	$731	$123
Nationwide	$951	$160
Farm Bureau	$1251	$213
Farmers	$1277	$213
Kemper	$1403	$239
Allstate	$1597	$269
Penn National	$1290	$215

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Average Car Insurance in Laurel Hill 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 Laurel Hill, NC increasing?

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

Car Insurance Premiums by Age in Laurel Hill

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	$456
30s	North Carolina Farm Bureau	$456
40s	North Carolina Farm Bureau	$456
50s	North Carolina Farm Bureau	$456
60s	North Carolina Farm Bureau	$456
70s	North Carolina Farm Bureau	$456

Cheapest Car Insurance Rates for Teen Drivers in Laurel Hill,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Laurel Hill at $99 per month. At $399 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$586	$99
State Farm	$758	$128
Erie	$765	$129
North Carolina Farm Bureau	$1337	$225
Nationwide	$2894	$483
Allstate	$3499	$595
Penn National	$386	$64
National General	$399	$68

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 Laurel Hill.

As young drivers face the highest rates in Laurel Hill, North Carolina Farm Bureau offers the cheapest auto insurance rates at $456 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 Laurel Hill, North Carolina Farm Bureau is the cheapest car insurance provider. At $199 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 Laurel Hill is Allstate, offering rates of around $3519 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$199	$34
National General	$346	$57
Progressive	$373	$63
Erie	$432	$73
Nationwide	$858	$144
State Farm	$1477	$249
Farm Bureau	$1690	$288
Allstate	$3519	$587

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Car Insurance Rates with An Accident in Laurel Hill

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

Cheapest Car Insurance Companies after an At-Fault Accident in Laurel Hill

The cheapest car insurance companies after an at-fault accident in Laurel Hill include Progressive and Erie, offering $566 and $572, respectively. Farmers is an expensive provider with an average six-month premium of $592.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$566	$95
Erie	$572	$96
State Farm	$638	$108
North Carolina Farm Bureau	$878	$148
Nationwide	$1577	$265
Farm Bureau	$1989	$338
Allstate	$3007	$506
Penn National	$552	$94
Farmers	$592	$99

Laurel Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Laurel Hill NC. For example, the car insurance in Laurel Hill after a DUI increases to $2070 for a six month policy. While the rate increases by $247 for a six-month policy in the case of a speeding ticket.

Laurel Hill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$638	$106
One Med/PIP claim	$638	$109
Not-at-fault accident	$645	$108
One comp claim	$659	$112
Two Med/PIP claims	$659	$110
Two comp claims	$679	$115
Failure to show documents	$752	$125
Child safety restraint	$832	$141
Driving without lights	$832	$139
Failure to wear a seat belt	$832	$141
Cell phone violation	$878	$147
Texting while driving	$878	$149
Speeding 6 - 10 MPH over limit	$885	$148
Driving with expired registration	$892	$151
Driving too slowly	$905	$151
Failure to stop at a red light	$905	$153
Failure to yield	$905	$151
Illegal turn	$905	$153
Open container	$905	$151
Operating a vehicle without permission	$905	$153
Wrong way/wrong lane	$905	$151
Speeding in school zone	$912	$155
At-fault accident - $1000-$2000	$918	$153
At-fault accident - less than $1000	$918	$156
In 65 MPH zone	$971	$162
Speeding 11 - 15 MPH over limit	$971	$165
Speeding 16 - 20 MPH over limit	$971	$162
Speeding 21 - 25 MPH over limit	$971	$165
Improper passing	$991	$166
Following too closely	$998	$170
At-fault accident - greater than $2000	$1071	$178
Passing school bus	$1217	$207
Reckless driving	$1231	$205
Driving with a suspended license	$1903	$324
Leaving scene of an accident/hit and run	$2675	$446
Refusal to submit to a chemical test	$2701	$459
DUI	$2708	$451
Racing	$2754	$468

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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 Laurel Hill 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 Laurel Hill.

The cheapest car insurance premiums in Laurel Hill are offered by National General at $459 for a six-month policy. However, it can be as expensive as $1523 with companies like Farmers.

Laurel Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$459	$78
Progressive	$1477	$249
State Farm	$1643	$277
Erie	$1743	$293
Nationwide	$3267	$550
North Carolina Farm Bureau	$3605	$607
Allstate	$6932	$1167
Farm Bureau	$7445	$1241
Farmers	$1523	$254

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 Laurel Hill are offered by North Carolina Farm Bureau at $213. However, it can be as expensive as $2322 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Laurel Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$213	$36
National General	$446	$76
Erie	$452	$76
State Farm	$486	$82
Progressive	$505	$85
Nationwide	$912	$153
Farm Bureau	$1670	$278
Allstate	$2322	$394

Car Insurance Price Trends in Laurel Hill, North Carolina

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

The average cost of full coverage in the Laurel Hill remained steady at $128 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Laurel Hill remained steady at $62 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 Laurel Hill?

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

What is the cheapest car insurance in Laurel Hill?

The cheapest car insurance in Laurel Hill is $76 per month for full coverage.

How much is car insurance in Laurel Hill for teenagers?

Car insurance for teenagers costs $586 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 Laurel Hill?

The average cost of car insurance is $902 for a six-month policy. It will cost around $170 per month to insure your car in Laurel Hill.

Is car insurance expensive in Laurel Hill?

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

Cheapest Car Insurance Quotes in Laurel Hill

Why you can trust Way?

How Much Is Car Insurance in Laurel Hill

Avg. Car Insurance in Laurel Hill

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Laurel Hill

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Laurel Hill Car Insurance Rates by Company

Cheap Car Insurance Companies in Laurel Hill, NC

Way's key takeaways about car insurance in Laurel Hill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Laurel Hill

Cheapest Liability Coverage in Laurel Hill, NC

Cheapest Full Coverage Car Insurance in Laurel Hill

Cheapest Full Coverage Car Insurance Quotes in Laurel Hill, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Laurel Hill by Rating Factor

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

Car Insurance Premiums by Age in Laurel Hill

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Laurel Hill,NC

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

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 Laurel Hill

Cheapest Car Insurance Companies after an At-Fault Accident in Laurel Hill

Laurel Hill Car Insurance Rates by Violation

Laurel Hill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Laurel Hill after a DUI

Laurel Hill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Laurel Hill after Speeding ticket

Car Insurance Price Trends in Laurel Hill, North Carolina

Average Car Insurance Cost in Laurel Hill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Laurel Hill, NC

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

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