Cheapest Car Insurance Quotes in Pleasant Garden

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Pleasant Garden Car Insurance

^$ 29

/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 Pleasant Garden

The car insurance rate in Pleasant Garden is $788 for a six-month policy, which is $41 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $390, making it a popular choice for budget-conscious drivers. Rates in Pleasant Garden 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 Pleasant Garden

$788

Avg. Car Insurance in North Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Pleasant Garden

1st place: Erie

At $390 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $474 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 $536 for six months, making it the third cheapest auto insurance company in Pleasant Garden.

Pleasant Garden Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pleasant Garden, NC is Erie, offering policies at just $390 for a six-month term. This is followed by Progressive, which has an average six-month premium of $474.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1445 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pleasant Garden drivers find the best deals.

Cheap Car Insurance Companies in Pleasant Garden, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$390	$66
Progressive	$474	$80
State Farm	$536	$90
North Carolina Farm Bureau	$620	$105
Travelers	$722	$121
Farm Bureau	$779	$132
Nationwide	$835	$141
Farmers	$886	$149
Kemper	$1190	$199
Allstate	$1445	$243

Key Takeaways

Way's key takeaways about car insurance in Pleasant Garden

The auto insurance costs in Pleasant Garden fall around $390 for six months.
The cheapest auto insurance company in Pleasant Garden is Erie.
Teen drivers pay the highest rate in Pleasant Garden at $495 per month.

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Cheapest Minimum Liability Car Insurance in Pleasant Garden

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 Pleasant Garden are given below.

Erie provides the cheapest minimum car insurance coverage in Pleasant Garden. Their Average 6 Month Premium is $169. Allstate is the most expensive at $536 for the same period.

Cheapest Liability Coverage in Pleasant Garden, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$169	$29
State Farm	$226	$38
Progressive	$242	$41
North Carolina Farm Bureau	$265	$45
Travelers	$316	$52
Farm Bureau	$322	$55
Nationwide	$328	$55
Farmers	$338	$58
National General	$344	$57
Penn National	$372	$64
Allstate	$536	$90

Cheapest Full Coverage Car Insurance in Pleasant Garden

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 Pleasant Garden is Erie at $66 per month and $390 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pleasant Garden, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$390	$66
Progressive	$474	$80
State Farm	$536	$90
North Carolina Farm Bureau	$620	$105
Travelers	$722	$121
Farm Bureau	$779	$132
Nationwide	$835	$141
Farmers	$886	$149
Kemper	$1190	$199
Allstate	$1445	$243

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Average Car Insurance in Pleasant Garden 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 Pleasant Garden, NC increasing?

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

Car Insurance Premiums by Age in Pleasant Garden

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

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Cheapest Car Insurance Rates for Teen Drivers in Pleasant Garden,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Pleasant Garden at $84 per month. At $2968 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$497	$84
State Farm	$643	$108
Erie	$649	$109
North Carolina Farm Bureau	$1134	$191
Nationwide	$2455	$417
Allstate	$2968	$495

Teen Car Insurance Rates in NC by Age

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 Pleasant Garden, North Carolina Farm Bureau is the cheapest car insurance provider. At $169 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 Pleasant Garden is Allstate, offering rates of around $3426 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$169	$29
Erie	$192	$32
National General	$294	$50
Progressive	$344	$58
Nationwide	$637	$107
Farmers	$689	$115
Travelers	$982	$167
Farm Bureau	$1112	$185
State Farm	$1388	$234
Allstate	$3426	$571

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Car Insurance Rates with An Accident in Pleasant Garden

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 Pleasant Garden, NC, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Pleasant Garden

The cheapest car insurance companies after an at-fault accident in Pleasant Garden include Progressive and Erie, offering $508 and $519, respectively. Allstate is an expensive provider with an average six-month premium of $2686.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$508	$86
Erie	$519	$87
State Farm	$570	$96
North Carolina Farm Bureau	$745	$125
Farmers	$1078	$180
Farm Bureau	$1219	$207
Nationwide	$1225	$206
Travelers	$1292	$219
Allstate	$2686	$452

Pleasant Garden Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pleasant Garden NC. For example, the car insurance in Pleasant Garden after a DUI increases to $1755 for a six month policy. While the rate increases by $209 for a six-month policy in the case of a speeding ticket.

Pleasant Garden auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$542	$90
One Med/PIP claim	$542	$92
Not-at-fault accident	$547	$91
One comp claim	$559	$95
Two Med/PIP claims	$559	$93
Two comp claims	$576	$98
Failure to show documents	$637	$106
Child safety restraint	$706	$120
Driving without lights	$706	$118
Failure to wear a seat belt	$706	$120
Cell phone violation	$745	$124
Texting while driving	$745	$126
Speeding 6 - 10 MPH over limit	$751	$125
Driving with expired registration	$756	$128
Driving too slowly	$768	$128
Failure to stop at a red light	$768	$130
Failure to yield	$768	$128
Illegal turn	$768	$130
Open container	$768	$128
Operating a vehicle without permission	$768	$130
Wrong way/wrong lane	$768	$128
Speeding in school zone	$773	$131
At-fault accident - $1000-$2000	$779	$130
At-fault accident - less than $1000	$779	$132
In 65 MPH zone	$824	$138
Speeding 11 - 15 MPH over limit	$824	$140
Speeding 16 - 20 MPH over limit	$824	$138
Speeding 21 - 25 MPH over limit	$824	$140
Improper passing	$841	$141
Following too closely	$846	$144
At-fault accident - greater than $2000	$908	$151
Passing school bus	$1033	$176
Reckless driving	$1044	$174
Driving with a suspended license	$1614	$275
Leaving scene of an accident/hit and run	$2269	$378
Refusal to submit to a chemical test	$2291	$390
DUI	$2297	$383
Racing	$2336	$397

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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 Pleasant Garden 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 Pleasant Garden.

The cheapest car insurance premiums in Pleasant Garden are offered by National General at $390 for a six-month policy. However, it can be as expensive as $6224 with companies like Allstate.

Pleasant Garden car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$390	$67
Progressive	$1321	$222
Erie	$1434	$241
State Farm	$1456	$245
Farmers	$2579	$439
Travelers	$2697	$449
Nationwide	$2883	$485
North Carolina Farm Bureau	$3058	$515
Farm Bureau	$4480	$762
Allstate	$6224	$1048

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 Pleasant Garden are offered by North Carolina Farm Bureau at $181. However, it can be as expensive as $2217 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Pleasant Garden after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$181	$30
Erie	$220	$37
National General	$378	$65
State Farm	$446	$75
Progressive	$468	$79
Nationwide	$835	$141
Farmers	$914	$156
Farm Bureau	$1027	$171
Travelers	$1112	$189
Allstate	$2217	$370

Car Insurance Price Trends in Pleasant Garden, North Carolina

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

The average cost of full coverage in the Pleasant Garden rose by $113 in January compared to $108 of December. In other words, there has been an increase by $5 when you compare January and December.

The average cost of liability insurance in the Pleasant Garden dipped to $50 in January, compared to $52 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Pleasant Garden?

The car insurance in Pleasant Garden is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Pleasant Garden?

The cheapest car insurance in Pleasant Garden is $66 per month for full coverage.

How much is car insurance in Pleasant Garden for teenagers?

Car insurance for teenagers costs $497 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 Pleasant Garden?

The average cost of car insurance is $829 for a six-month policy. It will cost around $132 per month to insure your car in Pleasant Garden.

Is car insurance expensive in Pleasant Garden?

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

Cheapest Car Insurance Quotes in Pleasant Garden

Why you can trust Way?

How Much Is Car Insurance in Pleasant Garden

Avg. Car Insurance in Pleasant Garden

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Pleasant Garden

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Pleasant Garden Car Insurance Rates by Company

Cheap Car Insurance Companies in Pleasant Garden, NC

Way's key takeaways about car insurance in Pleasant Garden

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Pleasant Garden

Cheapest Liability Coverage in Pleasant Garden, NC

Cheapest Full Coverage Car Insurance in Pleasant Garden

Cheapest Full Coverage Car Insurance Quotes in Pleasant Garden, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Pleasant Garden by Rating Factor

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

Car Insurance Premiums by Age in Pleasant Garden

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Pleasant Garden,NC

If you are in your twenties N/A is the best choice for car insurance in Pleasant Garden.

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 Pleasant Garden

Cheapest Car Insurance Companies after an At-Fault Accident in Pleasant Garden

Pleasant Garden Car Insurance Rates by Violation

Pleasant Garden auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Pleasant Garden after a DUI

Pleasant Garden car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Pleasant Garden after Speeding ticket

Car Insurance Price Trends in Pleasant Garden, North Carolina

Average Car Insurance Cost in Pleasant Garden by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Pleasant Garden, NC

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

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