Cheapest Car Insurance Quotes in Ocean Isle Beach

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Ocean Isle Beach Car Insurance

^$ 27

/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 Ocean Isle Beach

The car insurance rate in Ocean Isle Beach is $812 for a six-month policy, which is $90 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $364, making it a popular choice for budget-conscious drivers. Rates in Ocean Isle Beach 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 Ocean Isle Beach

$812

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Ocean Isle Beach

1st place: Erie

At $364 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $433 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 $497 for six months, making it the third cheapest auto insurance company in Ocean Isle Beach.

Ocean Isle Beach Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ocean Isle Beach, NC is Erie, offering policies at just $364 for a six-month term. This is followed by Progressive, which has an average six-month premium of $433.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1037 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ocean Isle Beach drivers find the best deals.

Cheap Car Insurance Companies in Ocean Isle Beach, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$364	$61
Progressive	$433	$73
State Farm	$497	$84
North Carolina Farm Bureau	$588	$99
Nationwide	$764	$129
Farm Bureau	$1005	$171
Farmers	$1026	$171
Kemper	$1128	$192
Allstate	$1283	$216
Penn National	$1037	$173

Key Takeaways

Way's key takeaways about car insurance in Ocean Isle Beach

The auto insurance costs in Ocean Isle Beach fall around $364 for six months.
The cheapest auto insurance company in Ocean Isle Beach is Erie.
Teen drivers pay the highest rate in Ocean Isle Beach at $55 per month.

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Cheapest Minimum Liability Car Insurance in Ocean Isle Beach

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 Ocean Isle Beach are given below.

Erie provides the cheapest minimum car insurance coverage in Ocean Isle Beach. Their Average 6 Month Premium is $160. National Farmers Union Insurance is the most expensive at $278 for the same period.

Cheapest Liability Coverage in Ocean Isle Beach, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$160	$27
State Farm	$220	$37
Progressive	$230	$39
North Carolina Farm Bureau	$251	$42
Nationwide	$315	$53
National General	$326	$54
Penn National	$353	$60
Farm Bureau	$513	$86
Allstate	$562	$95
National Farmers Union Insurance	$278	$46

Cheapest Full Coverage Car Insurance in Ocean Isle Beach

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 Ocean Isle Beach is Erie at $61 per month and $364 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ocean Isle Beach, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$364	$61
Progressive	$433	$73
State Farm	$497	$84
North Carolina Farm Bureau	$588	$99
Nationwide	$764	$129
Farm Bureau	$1005	$171
Farmers	$1026	$171
Kemper	$1128	$192
Allstate	$1283	$216
Penn National	$1037	$173

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Average Car Insurance in Ocean Isle Beach 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 Ocean Isle Beach, NC increasing?

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

Car Insurance Premiums by Age in Ocean Isle Beach

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	$366
30s	North Carolina Farm Bureau	$366
40s	North Carolina Farm Bureau	$366
50s	North Carolina Farm Bureau	$366
60s	North Carolina Farm Bureau	$366
70s	North Carolina Farm Bureau	$366

Cheapest Car Insurance Rates for Teen Drivers in Ocean Isle Beach,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Ocean Isle Beach at $79 per month. At $320 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$471	$79
State Farm	$609	$103
Erie	$615	$104
North Carolina Farm Bureau	$1075	$181
Nationwide	$2326	$388
Allstate	$2812	$478
Penn National	$311	$51
National General	$320	$55

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 Ocean Isle Beach.

As young drivers face the highest rates in Ocean Isle Beach, North Carolina Farm Bureau offers the cheapest auto insurance rates at $366 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 Ocean Isle Beach, North Carolina Farm Bureau is the cheapest car insurance provider. At $160 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 Ocean Isle Beach is Allstate, offering rates of around $2828 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$160	$27
National General	$278	$46
Progressive	$300	$50
Erie	$347	$59
Nationwide	$689	$116
State Farm	$1187	$200
Farm Bureau	$1358	$231
Allstate	$2828	$472

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Car Insurance Rates with An Accident in Ocean Isle Beach

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 Ocean Isle Beach, NC, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Ocean Isle Beach

The cheapest car insurance companies after an at-fault accident in Ocean Isle Beach include Progressive and Erie, offering $455 and $460, respectively. Farmers is an expensive provider with an average six-month premium of $476.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$455	$77
Erie	$460	$77
State Farm	$513	$86
North Carolina Farm Bureau	$706	$119
Nationwide	$1267	$213
Farm Bureau	$1598	$272
Allstate	$2417	$407
Penn National	$444	$76
Farmers	$476	$79

Ocean Isle Beach Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ocean Isle Beach NC. For example, the car insurance in Ocean Isle Beach after a DUI increases to $1663 for a six month policy. While the rate increases by $198 for a six-month policy in the case of a speeding ticket.

Ocean Isle Beach auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$513	$86
One Med/PIP claim	$513	$87
Not-at-fault accident	$518	$86
One comp claim	$529	$90
Two Med/PIP claims	$529	$88
Two comp claims	$545	$93
Failure to show documents	$604	$101
Child safety restraint	$669	$113
Driving without lights	$669	$112
Failure to wear a seat belt	$669	$113
Cell phone violation	$706	$118
Texting while driving	$706	$120
Speeding 6 - 10 MPH over limit	$711	$119
Driving with expired registration	$716	$122
Driving too slowly	$727	$122
Failure to stop at a red light	$727	$123
Failure to yield	$727	$122
Illegal turn	$727	$123
Open container	$727	$122
Operating a vehicle without permission	$727	$123
Wrong way/wrong lane	$727	$122
Speeding in school zone	$733	$124
At-fault accident - $1000-$2000	$738	$123
At-fault accident - less than $1000	$738	$125
In 65 MPH zone	$780	$131
Speeding 11 - 15 MPH over limit	$780	$132
Speeding 16 - 20 MPH over limit	$780	$131
Speeding 21 - 25 MPH over limit	$780	$132
Improper passing	$797	$133
Following too closely	$802	$137
At-fault accident - greater than $2000	$860	$143
Passing school bus	$978	$167
Reckless driving	$989	$165
Driving with a suspended license	$1529	$260
Leaving scene of an accident/hit and run	$2149	$358
Refusal to submit to a chemical test	$2171	$369
DUI	$2176	$363
Racing	$2213	$376

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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 Ocean Isle Beach 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 Ocean Isle Beach.

The cheapest car insurance premiums in Ocean Isle Beach are offered by National General at $369 for a six-month policy. However, it can be as expensive as $1224 with companies like Farmers.

Ocean Isle Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$369	$63
Progressive	$1187	$200
State Farm	$1320	$222
Erie	$1400	$236
Nationwide	$2625	$442
North Carolina Farm Bureau	$2897	$488
Allstate	$5570	$938
Farm Bureau	$5982	$997
Farmers	$1224	$204

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 Ocean Isle Beach are offered by North Carolina Farm Bureau at $171. However, it can be as expensive as $1866 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Ocean Isle Beach after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$171	$29
National General	$358	$61
Erie	$364	$61
State Farm	$391	$66
Progressive	$406	$68
Nationwide	$733	$123
Farm Bureau	$1342	$223
Allstate	$1866	$317

Car Insurance Price Trends in Ocean Isle Beach, North Carolina

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

The average cost of full coverage in the Ocean Isle Beach remained steady at $103 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Ocean Isle Beach remained steady at $50 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 Ocean Isle Beach?

The car insurance in Ocean Isle Beach is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Ocean Isle Beach?

The cheapest car insurance in Ocean Isle Beach is $61 per month for full coverage.

How much is car insurance in Ocean Isle Beach for teenagers?

Car insurance for teenagers costs $471 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 Ocean Isle Beach?

The average cost of car insurance is $902 for a six-month policy. It will cost around $137 per month to insure your car in Ocean Isle Beach.

Is car insurance expensive in Ocean Isle Beach?

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

Cheapest Car Insurance Quotes in Ocean Isle Beach

Why you can trust Way?

How Much Is Car Insurance in Ocean Isle Beach

Avg. Car Insurance in Ocean Isle Beach

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Ocean Isle Beach

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Ocean Isle Beach Car Insurance Rates by Company

Cheap Car Insurance Companies in Ocean Isle Beach, NC

Way's key takeaways about car insurance in Ocean Isle Beach

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ocean Isle Beach

Cheapest Liability Coverage in Ocean Isle Beach, NC

Cheapest Full Coverage Car Insurance in Ocean Isle Beach

Cheapest Full Coverage Car Insurance Quotes in Ocean Isle Beach, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ocean Isle Beach by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Ocean Isle Beach, NC increasing?

Car Insurance Premiums by Age in Ocean Isle Beach

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ocean Isle Beach,NC

If you are in your twenties North Carolina Farm Bureau is the best choice for car insurance in Ocean Isle Beach.

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 Ocean Isle Beach

Cheapest Car Insurance Companies after an At-Fault Accident in Ocean Isle Beach

Ocean Isle Beach Car Insurance Rates by Violation

Ocean Isle Beach auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ocean Isle Beach after a DUI

Ocean Isle Beach car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ocean Isle Beach after Speeding ticket

Car Insurance Price Trends in Ocean Isle Beach, North Carolina

Average Car Insurance Cost in Ocean Isle Beach by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ocean Isle Beach, NC

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

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