Cheapest Car Insurance Quotes in Mount Holly

Finding the cheapest car insurance quotes in Mount Holly shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Mount Holly Car Insurance

^$ 33

/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 Mount Holly

The car insurance rate in Mount Holly is $1001 for a six-month policy, which is $99 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $448, making it a popular choice for budget-conscious drivers. Rates in Mount Holly 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 Mount Holly

$1001

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Mount Holly

1st place: Erie

At $448 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $534 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 $613 for six months, making it the third cheapest auto insurance company in Mount Holly.

Mount Holly Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mount Holly, NC is Erie, offering policies at just $448 for a six-month term. This is followed by Progressive, which has an average six-month premium of $534.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1279 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mount Holly drivers find the best deals.

Cheap Car Insurance Companies in Mount Holly, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$448	$75
Progressive	$534	$90
State Farm	$613	$103
North Carolina Farm Bureau	$725	$122
Nationwide	$942	$159
Farm Bureau	$1240	$211
Farmers	$1265	$211
Kemper	$1391	$236
Allstate	$1583	$266
Penn National	$1279	$213

Key Takeaways

Way's key takeaways about car insurance in Mount Holly

The auto insurance costs in Mount Holly fall around $448 for six months.
The cheapest auto insurance company in Mount Holly is Erie.
Teen drivers pay the highest rate in Mount Holly at $68 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Mount Holly

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 Mount Holly are given below.

Erie provides the cheapest minimum car insurance coverage in Mount Holly. Their Average 6 Month Premium is $198. National Farmers Union Insurance is the most expensive at $343 for the same period.

Cheapest Liability Coverage in Mount Holly, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$198	$33
State Farm	$271	$46
Progressive	$283	$48
North Carolina Farm Bureau	$310	$52
Nationwide	$389	$65
National General	$402	$67
Penn National	$435	$74
Farm Bureau	$633	$105
Allstate	$693	$117
National Farmers Union Insurance	$343	$57

Cheapest Full Coverage Car Insurance in Mount Holly

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 Mount Holly is Erie at $75 per month and $448 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mount Holly, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$448	$75
Progressive	$534	$90
State Farm	$613	$103
North Carolina Farm Bureau	$725	$122
Nationwide	$942	$159
Farm Bureau	$1240	$211
Farmers	$1265	$211
Kemper	$1391	$236
Allstate	$1583	$266
Penn National	$1279	$213

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Mount Holly Instantly!

Average Car Insurance in Mount Holly 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 Mount Holly, NC increasing?

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

Car Insurance Premiums by Age in Mount Holly

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	$452
30s	North Carolina Farm Bureau	$452
40s	North Carolina Farm Bureau	$452
50s	North Carolina Farm Bureau	$452
60s	North Carolina Farm Bureau	$452
70s	North Carolina Farm Bureau	$452

Cheapest Car Insurance Rates for Teen Drivers in Mount Holly,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Mount Holly at $98 per month. At $395 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$581	$98
State Farm	$751	$127
Erie	$758	$128
North Carolina Farm Bureau	$1325	$223
Nationwide	$2868	$478
Allstate	$3468	$589
Penn National	$383	$63
National General	$395	$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 Mount Holly.

As young drivers face the highest rates in Mount Holly, North Carolina Farm Bureau offers the cheapest auto insurance rates at $452 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 Mount Holly, North Carolina Farm Bureau is the cheapest car insurance provider. At $198 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 Mount Holly is Allstate, offering rates of around $3488 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$198	$33
National General	$343	$57
Progressive	$370	$62
Erie	$428	$72
Nationwide	$850	$143
State Farm	$1464	$246
Farm Bureau	$1675	$285
Allstate	$3488	$582

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Mount Holly

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

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Holly

The cheapest car insurance companies after an at-fault accident in Mount Holly include Progressive and Erie, offering $561 and $567, respectively. Farmers is an expensive provider with an average six-month premium of $587.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$561	$94
Erie	$567	$95
State Farm	$633	$107
North Carolina Farm Bureau	$870	$147
Nationwide	$1563	$263
Farm Bureau	$1971	$335
Allstate	$2980	$502
Penn National	$547	$93
Farmers	$587	$98

Mount Holly Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mount Holly NC. For example, the car insurance in Mount Holly after a DUI increases to $2051 for a six month policy. While the rate increases by $244 for a six-month policy in the case of a speeding ticket.

Mount Holly auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$633	$105
One Med/PIP claim	$633	$108
Not-at-fault accident	$639	$107
One comp claim	$653	$111
Two Med/PIP claims	$653	$109
Two comp claims	$673	$114
Failure to show documents	$745	$124
Child safety restraint	$825	$140
Driving without lights	$825	$138
Failure to wear a seat belt	$825	$140
Cell phone violation	$870	$145
Texting while driving	$870	$148
Speeding 6 - 10 MPH over limit	$877	$147
Driving with expired registration	$884	$150
Driving too slowly	$897	$150
Failure to stop at a red light	$897	$152
Failure to yield	$897	$150
Illegal turn	$897	$152
Open container	$897	$150
Operating a vehicle without permission	$897	$152
Wrong way/wrong lane	$897	$150
Speeding in school zone	$904	$153
At-fault accident - $1000-$2000	$910	$152
At-fault accident - less than $1000	$910	$154
In 65 MPH zone	$962	$161
Speeding 11 - 15 MPH over limit	$962	$163
Speeding 16 - 20 MPH over limit	$962	$161
Speeding 21 - 25 MPH over limit	$962	$163
Improper passing	$982	$164
Following too closely	$989	$169
At-fault accident - greater than $2000	$1061	$176
Passing school bus	$1207	$205
Reckless driving	$1220	$203
Driving with a suspended license	$1886	$321
Leaving scene of an accident/hit and run	$2651	$442
Refusal to submit to a chemical test	$2677	$455
DUI	$2684	$447
Racing	$2729	$464

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Mount Holly 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 Mount Holly.

The cheapest car insurance premiums in Mount Holly are offered by National General at $455 for a six-month policy. However, it can be as expensive as $1510 with companies like Farmers.

Mount Holly car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$455	$78
Progressive	$1464	$246
State Farm	$1628	$274
Erie	$1727	$291
Nationwide	$3238	$545
North Carolina Farm Bureau	$3573	$602
Allstate	$6870	$1157
Farm Bureau	$7378	$1230
Farmers	$1510	$252

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 Mount Holly are offered by North Carolina Farm Bureau at $211. However, it can be as expensive as $2301 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Mount Holly after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$211	$36
National General	$442	$75
Erie	$448	$75
State Farm	$482	$81
Progressive	$501	$84
Nationwide	$904	$152
Farm Bureau	$1655	$275
Allstate	$2301	$391

Car Insurance Price Trends in Mount Holly, North Carolina

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

The average cost of full coverage in the Mount Holly remained steady at $127 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Mount Holly remained steady at $61 in both November and October, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Mount Holly?

The car insurance in Mount Holly is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Mount Holly?

The cheapest car insurance in Mount Holly is $75 per month for full coverage.

How much is car insurance in Mount Holly for teenagers?

Car insurance for teenagers costs $581 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 Mount Holly?

The average cost of car insurance is $902 for a six-month policy. It will cost around $169 per month to insure your car in Mount Holly.

Is car insurance expensive in Mount Holly?

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

Cheapest Car Insurance Quotes in Mount Holly

Why you can trust Way?

How Much Is Car Insurance in Mount Holly

Avg. Car Insurance in Mount Holly

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Mount Holly

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Mount Holly Car Insurance Rates by Company

Cheap Car Insurance Companies in Mount Holly, NC

Way's key takeaways about car insurance in Mount Holly

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mount Holly

Cheapest Liability Coverage in Mount Holly, NC

Cheapest Full Coverage Car Insurance in Mount Holly

Cheapest Full Coverage Car Insurance Quotes in Mount Holly, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mount Holly by Rating Factor

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

Car Insurance Premiums by Age in Mount Holly

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mount Holly,NC

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

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 Mount Holly

Cheapest Car Insurance Companies after an At-Fault Accident in Mount Holly

Mount Holly Car Insurance Rates by Violation

Mount Holly auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mount Holly after a DUI

Mount Holly car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mount Holly after Speeding ticket

Car Insurance Price Trends in Mount Holly, North Carolina

Average Car Insurance Cost in Mount Holly by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mount Holly, NC

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

Featured Blogs

Data Sources