Cheapest Car Insurance Quotes in Pleasant Hill

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Pleasant Hill Car Insurance

^$ 30

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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 Hill

The car insurance rate in Pleasant Hill is $829 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $410, making it a popular choice for budget-conscious drivers. Rates in Pleasant 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 Pleasant Hill

$829

Avg. Car Insurance in North Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Pleasant Hill

1st place: Erie

At $410 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $499 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 $564 for six months, making it the third cheapest auto insurance company in Pleasant Hill.

Pleasant Hill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pleasant Hill, NC is Erie, offering policies at just $410 for a six-month term. This is followed by Progressive, which has an average six-month premium of $499.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1521 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pleasant Hill drivers find the best deals.

Cheap Car Insurance Companies in Pleasant Hill, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$410	$69
Progressive	$499	$84
State Farm	$564	$95
North Carolina Farm Bureau	$653	$110
Travelers	$760	$127
Farm Bureau	$820	$139
Nationwide	$879	$148
Farmers	$933	$157
Kemper	$1253	$209
Allstate	$1521	$256

Key Takeaways

Way's key takeaways about car insurance in Pleasant Hill

The auto insurance costs in Pleasant Hill fall around $410 for six months.
The cheapest auto insurance company in Pleasant Hill is Erie.
Teen drivers pay the highest rate in Pleasant Hill at $521 per month.

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Cheapest Minimum Liability Car Insurance in Pleasant 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 Pleasant Hill are given below.

Erie provides the cheapest minimum car insurance coverage in Pleasant Hill. Their Average 6 Month Premium is $178. Allstate is the most expensive at $564 for the same period.

Cheapest Liability Coverage in Pleasant Hill, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$178	$30
State Farm	$238	$40
Progressive	$255	$43
North Carolina Farm Bureau	$279	$47
Travelers	$333	$55
Farm Bureau	$339	$58
Nationwide	$345	$58
Farmers	$356	$61
National General	$362	$60
Penn National	$392	$67
Allstate	$564	$95

Cheapest Full Coverage Car Insurance in Pleasant 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 Pleasant Hill is Erie at $69 per month and $410 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pleasant Hill, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$410	$69
Progressive	$499	$84
State Farm	$564	$95
North Carolina Farm Bureau	$653	$110
Travelers	$760	$127
Farm Bureau	$820	$139
Nationwide	$879	$148
Farmers	$933	$157
Kemper	$1253	$209
Allstate	$1521	$256

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Average Car Insurance in Pleasant 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 Pleasant Hill, NC increasing?

Despite maintaining a clean driving record, your car insurance rates in Pleasant 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, Pleasant 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 Pleasant 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

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

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Pleasant Hill at $88 per month. At $3124 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$523	$88
State Farm	$677	$114
Erie	$683	$115
North Carolina Farm Bureau	$1194	$201
Nationwide	$2584	$439
Allstate	$3124	$521

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 Hill, North Carolina Farm Bureau is the cheapest car insurance provider. At $178 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 Hill is Allstate, offering rates of around $3606 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$178	$30
Erie	$202	$34
National General	$309	$53
Progressive	$362	$61
Nationwide	$671	$113
Farmers	$725	$121
Travelers	$1034	$176
Farm Bureau	$1170	$195
State Farm	$1461	$246
Allstate	$3606	$601

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Car Insurance Rates with An Accident in Pleasant 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 Pleasant Hill, NC, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Pleasant Hill include Progressive and Erie, offering $535 and $546, respectively. Allstate is an expensive provider with an average six-month premium of $2827.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$535	$90
Erie	$546	$92
State Farm	$600	$101
North Carolina Farm Bureau	$784	$132
Farmers	$1135	$189
Farm Bureau	$1283	$218
Nationwide	$1289	$217
Travelers	$1360	$231
Allstate	$2827	$476

Pleasant Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pleasant Hill NC. For example, the car insurance in Pleasant Hill after a DUI increases to $1848 for a six month policy. While the rate increases by $220 for a six-month policy in the case of a speeding ticket.

Pleasant Hill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$570	$95
One Med/PIP claim	$570	$97
Not-at-fault accident	$576	$96
One comp claim	$588	$100
Two Med/PIP claims	$588	$98
Two comp claims	$606	$103
Failure to show documents	$671	$112
Child safety restraint	$743	$126
Driving without lights	$743	$124
Failure to wear a seat belt	$743	$126
Cell phone violation	$784	$131
Texting while driving	$784	$133
Speeding 6 - 10 MPH over limit	$790	$132
Driving with expired registration	$796	$135
Driving too slowly	$808	$135
Failure to stop at a red light	$808	$137
Failure to yield	$808	$135
Illegal turn	$808	$137
Open container	$808	$135
Operating a vehicle without permission	$808	$137
Wrong way/wrong lane	$808	$135
Speeding in school zone	$814	$138
At-fault accident - $1000-$2000	$820	$137
At-fault accident - less than $1000	$820	$139
In 65 MPH zone	$867	$145
Speeding 11 - 15 MPH over limit	$867	$147
Speeding 16 - 20 MPH over limit	$867	$145
Speeding 21 - 25 MPH over limit	$867	$147
Improper passing	$885	$148
Following too closely	$891	$152
At-fault accident - greater than $2000	$956	$159
Passing school bus	$1087	$185
Reckless driving	$1099	$183
Driving with a suspended license	$1699	$289
Leaving scene of an accident/hit and run	$2388	$398
Refusal to submit to a chemical test	$2412	$410
DUI	$2418	$403
Racing	$2459	$418

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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 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 Pleasant Hill.

The cheapest car insurance premiums in Pleasant Hill are offered by National General at $410 for a six-month policy. However, it can be as expensive as $6552 with companies like Allstate.

Pleasant Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$410	$70
Progressive	$1390	$234
Erie	$1509	$254
State Farm	$1533	$258
Farmers	$2715	$462
Travelers	$2839	$473
Nationwide	$3035	$511
North Carolina Farm Bureau	$3219	$542
Farm Bureau	$4716	$802
Allstate	$6552	$1103

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 Hill are offered by North Carolina Farm Bureau at $190. However, it can be as expensive as $2334 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Pleasant Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$190	$32
Erie	$232	$39
National General	$398	$68
State Farm	$469	$79
Progressive	$493	$83
Nationwide	$879	$148
Farmers	$962	$164
Farm Bureau	$1081	$180
Travelers	$1170	$199
Allstate	$2334	$389

Car Insurance Price Trends in Pleasant Hill, North Carolina

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

The average cost of full coverage in the Pleasant Hill rose by $119 in January compared to $114 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 Hill dipped to $53 in January, compared to $55 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 Hill?

The car insurance in Pleasant Hill is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Pleasant Hill?

The cheapest car insurance in Pleasant Hill is $69 per month for full coverage.

How much is car insurance in Pleasant Hill for teenagers?

Car insurance for teenagers costs $523 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 Hill?

The average cost of car insurance is $829 for a six-month policy. It will cost around $139 per month to insure your car in Pleasant Hill.

Is car insurance expensive in Pleasant Hill?

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

Cheapest Car Insurance Quotes in Pleasant Hill

Why you can trust Way?

How Much Is Car Insurance in Pleasant Hill

Avg. Car Insurance in Pleasant Hill

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Pleasant Hill

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Pleasant Hill Car Insurance Rates by Company

Cheap Car Insurance Companies in Pleasant Hill, NC

Way's key takeaways about car insurance in Pleasant Hill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Pleasant Hill

Cheapest Liability Coverage in Pleasant Hill, NC

Cheapest Full Coverage Car Insurance in Pleasant Hill

Cheapest Full Coverage Car Insurance Quotes in Pleasant Hill, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Pleasant Hill by Rating Factor

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

Car Insurance Premiums by Age in Pleasant Hill

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Pleasant Hill Car Insurance Rates by Violation

Pleasant Hill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Pleasant Hill after a DUI

Pleasant Hill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Pleasant Hill after Speeding ticket

Car Insurance Price Trends in Pleasant Hill, North Carolina

Average Car Insurance Cost in Pleasant Hill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Pleasant Hill, NC

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

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