Cheapest Car Insurance Quotes in Red Springs

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Red Springs Car Insurance

^$ 34

/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 Red Springs

The car insurance rate in Red Springs is $937 for a six-month policy, which is $108 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $463, making it a popular choice for budget-conscious drivers. Rates in Red Springs 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 Red Springs

$937

Avg. Car Insurance in North Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Red Springs

1st place: Erie

At $463 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $564 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 $637 for six months, making it the third cheapest auto insurance company in Red Springs.

Red Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Red Springs, NC is Erie, offering policies at just $463 for a six-month term. This is followed by Progressive, which has an average six-month premium of $564.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1719 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Red Springs drivers find the best deals.

Cheap Car Insurance Companies in Red Springs, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$463	$78
Progressive	$564	$95
State Farm	$637	$107
North Carolina Farm Bureau	$738	$124
Travelers	$859	$144
Farm Bureau	$927	$157
Nationwide	$993	$167
Farmers	$1054	$177
Kemper	$1416	$236
Allstate	$1719	$289

Key Takeaways

Way's key takeaways about car insurance in Red Springs

The auto insurance costs in Red Springs fall around $463 for six months.
The cheapest auto insurance company in Red Springs is Erie.
Teen drivers pay the highest rate in Red Springs at $589 per month.

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Cheapest Minimum Liability Car Insurance in Red Springs

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 Red Springs are given below.

Erie provides the cheapest minimum car insurance coverage in Red Springs. Their Average 6 Month Premium is $201. Allstate is the most expensive at $637 for the same period.

Cheapest Liability Coverage in Red Springs, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$201	$34
State Farm	$269	$45
Progressive	$288	$49
North Carolina Farm Bureau	$315	$53
Travelers	$376	$62
Farm Bureau	$383	$66
Nationwide	$390	$66
Farmers	$402	$69
National General	$409	$68
Penn National	$443	$76
Allstate	$637	$107

Cheapest Full Coverage Car Insurance in Red Springs

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 Red Springs is Erie at $78 per month and $463 for six months.

Cheapest Full Coverage Car Insurance Quotes in Red Springs, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$463	$78
Progressive	$564	$95
State Farm	$637	$107
North Carolina Farm Bureau	$738	$124
Travelers	$859	$144
Farm Bureau	$927	$157
Nationwide	$993	$167
Farmers	$1054	$177
Kemper	$1416	$236
Allstate	$1719	$289

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Average Car Insurance in Red Springs 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 Red Springs, NC increasing?

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

Car Insurance Premiums by Age in Red Springs

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 Red Springs,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Red Springs at $99 per month. At $3530 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$591	$99
State Farm	$765	$129
Erie	$772	$130
North Carolina Farm Bureau	$1349	$227
Nationwide	$2920	$496
Allstate	$3530	$589

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 Red Springs, North Carolina Farm Bureau is the cheapest car insurance provider. At $201 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 Red Springs is Allstate, offering rates of around $4075 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$201	$34
Erie	$228	$38
National General	$349	$60
Progressive	$409	$69
Nationwide	$758	$128
Farmers	$819	$137
Travelers	$1168	$199
Farm Bureau	$1322	$220
State Farm	$1651	$278
Allstate	$4075	$679

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Car Insurance Rates with An Accident in Red Springs

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 Red Springs, NC, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Red Springs

The cheapest car insurance companies after an at-fault accident in Red Springs include Progressive and Erie, offering $605 and $617, respectively. Allstate is an expensive provider with an average six-month premium of $3195.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$605	$102
Erie	$617	$104
State Farm	$678	$114
North Carolina Farm Bureau	$886	$149
Farmers	$1283	$214
Farm Bureau	$1450	$246
Nationwide	$1457	$245
Travelers	$1537	$261
Allstate	$3195	$538

Red Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Red Springs NC. For example, the car insurance in Red Springs after a DUI increases to $2088 for a six month policy. While the rate increases by $249 for a six-month policy in the case of a speeding ticket.

Red Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$644	$107
One Med/PIP claim	$644	$110
Not-at-fault accident	$651	$108
One comp claim	$664	$113
Two Med/PIP claims	$664	$111
Two comp claims	$685	$116
Failure to show documents	$758	$127
Child safety restraint	$840	$142
Driving without lights	$840	$140
Failure to wear a seat belt	$840	$142
Cell phone violation	$886	$148
Texting while driving	$886	$150
Speeding 6 - 10 MPH over limit	$893	$149
Driving with expired registration	$899	$153
Driving too slowly	$913	$153
Failure to stop at a red light	$913	$155
Failure to yield	$913	$153
Illegal turn	$913	$155
Open container	$913	$153
Operating a vehicle without permission	$913	$155
Wrong way/wrong lane	$913	$153
Speeding in school zone	$920	$156
At-fault accident - $1000-$2000	$927	$155
At-fault accident - less than $1000	$927	$157
In 65 MPH zone	$980	$164
Speeding 11 - 15 MPH over limit	$980	$166
Speeding 16 - 20 MPH over limit	$980	$164
Speeding 21 - 25 MPH over limit	$980	$166
Improper passing	$1000	$167
Following too closely	$1007	$172
At-fault accident - greater than $2000	$1080	$180
Passing school bus	$1228	$209
Reckless driving	$1242	$207
Driving with a suspended license	$1920	$327
Leaving scene of an accident/hit and run	$2698	$450
Refusal to submit to a chemical test	$2726	$463
DUI	$2732	$455
Racing	$2779	$472

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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 Red Springs 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 Red Springs.

The cheapest car insurance premiums in Red Springs are offered by National General at $463 for a six-month policy. However, it can be as expensive as $7404 with companies like Allstate.

Red Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$463	$79
Progressive	$1571	$264
Erie	$1705	$287
State Farm	$1732	$292
Farmers	$3068	$522
Travelers	$3208	$534
Nationwide	$3430	$577
North Carolina Farm Bureau	$3637	$612
Farm Bureau	$5329	$906
Allstate	$7404	$1246

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 Red Springs are offered by North Carolina Farm Bureau at $215. However, it can be as expensive as $2637 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Red Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$215	$36
Erie	$262	$44
National General	$450	$77
State Farm	$530	$89
Progressive	$557	$94
Nationwide	$993	$167
Farmers	$1087	$185
Farm Bureau	$1222	$203
Travelers	$1322	$225
Allstate	$2637	$440

Car Insurance Price Trends in Red Springs, North Carolina

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

The average cost of full coverage in the Red Springs rose by $134 in January compared to $129 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 Red Springs dipped to $60 in January, compared to $62 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 Red Springs?

The car insurance in Red Springs is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Red Springs?

The cheapest car insurance in Red Springs is $78 per month for full coverage.

How much is car insurance in Red Springs for teenagers?

Car insurance for teenagers costs $591 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 Red Springs?

The average cost of car insurance is $829 for a six-month policy. It will cost around $157 per month to insure your car in Red Springs.

Is car insurance expensive in Red Springs?

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

Cheapest Car Insurance Quotes in Red Springs

Why you can trust Way?

How Much Is Car Insurance in Red Springs

Avg. Car Insurance in Red Springs

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Red Springs

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Red Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Red Springs, NC

Way's key takeaways about car insurance in Red Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Red Springs

Cheapest Liability Coverage in Red Springs, NC

Cheapest Full Coverage Car Insurance in Red Springs

Cheapest Full Coverage Car Insurance Quotes in Red Springs, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Red Springs by Rating Factor

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

Car Insurance Premiums by Age in Red Springs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Red Springs,NC

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

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 Red Springs

Cheapest Car Insurance Companies after an At-Fault Accident in Red Springs

Red Springs Car Insurance Rates by Violation

Red Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Red Springs after a DUI

Red Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Red Springs after Speeding ticket

Car Insurance Price Trends in Red Springs, North Carolina

Average Car Insurance Cost in Red Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Red Springs, NC

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

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