Cheapest Car Insurance Quotes in Morehead City

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Morehead City Car Insurance

^$ 26

/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 Morehead City

The car insurance rate in Morehead City is $767 for a six-month policy, which is $135 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $343, making it a popular choice for budget-conscious drivers. Rates in Morehead City 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 Morehead City

$767

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Morehead City

1st place: Erie

At $343 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $409 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 $469 for six months, making it the third cheapest auto insurance company in Morehead City.

Morehead City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Morehead City, NC is Erie, offering policies at just $343 for a six-month term. This is followed by Progressive, which has an average six-month premium of $409.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $979 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Morehead City drivers find the best deals.

Cheap Car Insurance Companies in Morehead City, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$343	$58
Progressive	$409	$69
State Farm	$469	$79
North Carolina Farm Bureau	$555	$94
Nationwide	$722	$122
Farm Bureau	$949	$162
Farmers	$969	$162
Kemper	$1065	$181
Allstate	$1212	$204
Penn National	$979	$163

Key Takeaways

Way's key takeaways about car insurance in Morehead City

The auto insurance costs in Morehead City fall around $343 for six months.
The cheapest auto insurance company in Morehead City is Erie.
Teen drivers pay the highest rate in Morehead City at $52 per month.

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Cheapest Minimum Liability Car Insurance in Morehead City

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 Morehead City are given below.

Erie provides the cheapest minimum car insurance coverage in Morehead City. Their Average 6 Month Premium is $151. National Farmers Union Insurance is the most expensive at $263 for the same period.

Cheapest Liability Coverage in Morehead City, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$151	$26
State Farm	$207	$35
Progressive	$217	$37
North Carolina Farm Bureau	$237	$40
Nationwide	$298	$50
National General	$308	$51
Penn National	$333	$57
Farm Bureau	$485	$81
Allstate	$530	$89
National Farmers Union Insurance	$263	$43

Cheapest Full Coverage Car Insurance in Morehead City

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 Morehead City is Erie at $58 per month and $343 for six months.

Cheapest Full Coverage Car Insurance Quotes in Morehead City, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$343	$58
Progressive	$409	$69
State Farm	$469	$79
North Carolina Farm Bureau	$555	$94
Nationwide	$722	$122
Farm Bureau	$949	$162
Farmers	$969	$162
Kemper	$1065	$181
Allstate	$1212	$204
Penn National	$979	$163

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Average Car Insurance in Morehead City 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 Morehead City, NC increasing?

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

Car Insurance Premiums by Age in Morehead City

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	$346
30s	North Carolina Farm Bureau	$346
40s	North Carolina Farm Bureau	$346
50s	North Carolina Farm Bureau	$346
60s	North Carolina Farm Bureau	$346
70s	North Carolina Farm Bureau	$346

Cheapest Car Insurance Rates for Teen Drivers in Morehead City,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Morehead City at $75 per month. At $303 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$445	$75
State Farm	$575	$97
Erie	$581	$98
North Carolina Farm Bureau	$1015	$171
Nationwide	$2196	$366
Allstate	$2655	$451
Penn National	$293	$48
National General	$303	$52

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 Morehead City.

As young drivers face the highest rates in Morehead City, North Carolina Farm Bureau offers the cheapest auto insurance rates at $346 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 Morehead City, North Carolina Farm Bureau is the cheapest car insurance provider. At $151 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 Morehead City is Allstate, offering rates of around $2671 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$151	$26
National General	$263	$43
Progressive	$283	$48
Erie	$328	$55
Nationwide	$651	$110
State Farm	$1121	$189
Farm Bureau	$1283	$218
Allstate	$2671	$445

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Car Insurance Rates with An Accident in Morehead City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Morehead City

The cheapest car insurance companies after an at-fault accident in Morehead City include Progressive and Erie, offering $429 and $434, respectively. Farmers is an expensive provider with an average six-month premium of $450.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$429	$72
Erie	$434	$73
State Farm	$485	$82
North Carolina Farm Bureau	$666	$112
Nationwide	$1197	$201
Farm Bureau	$1510	$257
Allstate	$2282	$384
Penn National	$419	$71
Farmers	$450	$75

Morehead City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Morehead City NC. For example, the car insurance in Morehead City after a DUI increases to $1570 for a six month policy. While the rate increases by $187 for a six-month policy in the case of a speeding ticket.

Morehead City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$485	$81
One Med/PIP claim	$485	$82
Not-at-fault accident	$490	$82
One comp claim	$500	$85
Two Med/PIP claims	$500	$83
Two comp claims	$515	$88
Failure to show documents	$570	$95
Child safety restraint	$632	$107
Driving without lights	$632	$105
Failure to wear a seat belt	$632	$107
Cell phone violation	$666	$111
Texting while driving	$666	$113
Speeding 6 - 10 MPH over limit	$672	$112
Driving with expired registration	$677	$115
Driving too slowly	$687	$115
Failure to stop at a red light	$687	$116
Failure to yield	$687	$115
Illegal turn	$687	$116
Open container	$687	$115
Operating a vehicle without permission	$687	$116
Wrong way/wrong lane	$687	$115
Speeding in school zone	$692	$117
At-fault accident - $1000-$2000	$697	$116
At-fault accident - less than $1000	$697	$118
In 65 MPH zone	$737	$123
Speeding 11 - 15 MPH over limit	$737	$125
Speeding 16 - 20 MPH over limit	$737	$123
Speeding 21 - 25 MPH over limit	$737	$125
Improper passing	$752	$126
Following too closely	$757	$129
At-fault accident - greater than $2000	$813	$135
Passing school bus	$924	$157
Reckless driving	$934	$156
Driving with a suspended license	$1444	$246
Leaving scene of an accident/hit and run	$2030	$338
Refusal to submit to a chemical test	$2050	$349
DUI	$2055	$343
Racing	$2090	$355

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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 Morehead City 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 Morehead City.

The cheapest car insurance premiums in Morehead City are offered by National General at $349 for a six-month policy. However, it can be as expensive as $1156 with companies like Farmers.

Morehead City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$349	$60
Progressive	$1121	$189
State Farm	$1247	$210
Erie	$1323	$223
Nationwide	$2479	$417
North Carolina Farm Bureau	$2736	$461
Allstate	$5261	$886
Farm Bureau	$5650	$942
Farmers	$1156	$193

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 Morehead City are offered by North Carolina Farm Bureau at $162. However, it can be as expensive as $1762 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Morehead City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$162	$27
National General	$338	$58
Erie	$343	$58
State Farm	$369	$62
Progressive	$383	$65
Nationwide	$692	$116
Farm Bureau	$1267	$211
Allstate	$1762	$299

Car Insurance Price Trends in Morehead City, North Carolina

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

The average cost of full coverage in the Morehead City remained steady at $97 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Morehead City remained steady at $47 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 Morehead City?

The car insurance in Morehead City is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Morehead City?

The cheapest car insurance in Morehead City is $58 per month for full coverage.

How much is car insurance in Morehead City for teenagers?

Car insurance for teenagers costs $445 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 Morehead City?

The average cost of car insurance is $902 for a six-month policy. It will cost around $129 per month to insure your car in Morehead City.

Is car insurance expensive in Morehead City?

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

Cheapest Car Insurance Quotes in Morehead City

Why you can trust Way?

How Much Is Car Insurance in Morehead City

Avg. Car Insurance in Morehead City

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Morehead City

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Morehead City Car Insurance Rates by Company

Cheap Car Insurance Companies in Morehead City, NC

Way's key takeaways about car insurance in Morehead City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Morehead City

Cheapest Liability Coverage in Morehead City, NC

Cheapest Full Coverage Car Insurance in Morehead City

Cheapest Full Coverage Car Insurance Quotes in Morehead City, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Morehead City by Rating Factor

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

Car Insurance Premiums by Age in Morehead City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Morehead City,NC

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

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 Morehead City

Cheapest Car Insurance Companies after an At-Fault Accident in Morehead City

Morehead City Car Insurance Rates by Violation

Morehead City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Morehead City after a DUI

Morehead City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Morehead City after Speeding ticket

Car Insurance Price Trends in Morehead City, North Carolina

Average Car Insurance Cost in Morehead City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Morehead City, NC

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

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