Cheapest Car Insurance Quotes in Royal Pines

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Royal Pines 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 Royal Pines

The car insurance rate in Royal Pines is $821 for a six-month policy, which is $81 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $368, making it a popular choice for budget-conscious drivers. Rates in Royal Pines 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 Royal Pines

$821

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Royal Pines

1st place: Erie

At $368 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $438 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 $502 for six months, making it the third cheapest auto insurance company in Royal Pines.

Royal Pines Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Royal Pines, NC is Erie, offering policies at just $368 for a six-month term. This is followed by Progressive, which has an average six-month premium of $438.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1048 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Royal Pines drivers find the best deals.

Cheap Car Insurance Companies in Royal Pines, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$368	$62
Progressive	$438	$74
State Farm	$502	$85
North Carolina Farm Bureau	$594	$100
Nationwide	$773	$130
Farm Bureau	$1016	$173
Farmers	$1037	$173
Kemper	$1140	$194
Allstate	$1298	$218
Penn National	$1048	$175

Key Takeaways

Way's key takeaways about car insurance in Royal Pines

The auto insurance costs in Royal Pines fall around $368 for six months.
The cheapest auto insurance company in Royal Pines is Erie.
Teen drivers pay the highest rate in Royal Pines at $56 per month.

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Cheapest Minimum Liability Car Insurance in Royal Pines

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 Royal Pines are given below.

Erie provides the cheapest minimum car insurance coverage in Royal Pines. Their Average 6 Month Premium is $162. National Farmers Union Insurance is the most expensive at $281 for the same period.

Cheapest Liability Coverage in Royal Pines, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$162	$27
State Farm	$222	$37
Progressive	$232	$39
North Carolina Farm Bureau	$254	$43
Nationwide	$319	$54
National General	$329	$55
Penn National	$357	$61
Farm Bureau	$519	$86
Allstate	$568	$96
National Farmers Union Insurance	$281	$46

Cheapest Full Coverage Car Insurance in Royal Pines

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 Royal Pines is Erie at $62 per month and $368 for six months.

Cheapest Full Coverage Car Insurance Quotes in Royal Pines, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$368	$62
Progressive	$438	$74
State Farm	$502	$85
North Carolina Farm Bureau	$594	$100
Nationwide	$773	$130
Farm Bureau	$1016	$173
Farmers	$1037	$173
Kemper	$1140	$194
Allstate	$1298	$218
Penn National	$1048	$175

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Average Car Insurance in Royal Pines 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 Royal Pines, NC increasing?

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

Car Insurance Premiums by Age in Royal Pines

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	$370
30s	North Carolina Farm Bureau	$370
40s	North Carolina Farm Bureau	$370
50s	North Carolina Farm Bureau	$370
60s	North Carolina Farm Bureau	$370
70s	North Carolina Farm Bureau	$370

Cheapest Car Insurance Rates for Teen Drivers in Royal Pines,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Royal Pines at $80 per month. At $324 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$476	$80
State Farm	$616	$104
Erie	$622	$105
North Carolina Farm Bureau	$1087	$183
Nationwide	$2351	$392
Allstate	$2843	$483
Penn National	$314	$52
National General	$324	$56

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 Royal Pines.

As young drivers face the highest rates in Royal Pines, North Carolina Farm Bureau offers the cheapest auto insurance rates at $370 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 Royal Pines, North Carolina Farm Bureau is the cheapest car insurance provider. At $162 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 Royal Pines is Allstate, offering rates of around $2859 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$162	$27
National General	$281	$46
Progressive	$303	$51
Erie	$351	$59
Nationwide	$697	$117
State Farm	$1200	$202
Farm Bureau	$1373	$234
Allstate	$2859	$477

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Car Insurance Rates with An Accident in Royal Pines

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 Royal Pines, NC, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Royal Pines

The cheapest car insurance companies after an at-fault accident in Royal Pines include Progressive and Erie, offering $460 and $465, respectively. Farmers is an expensive provider with an average six-month premium of $481.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$460	$77
Erie	$465	$78
State Farm	$519	$87
North Carolina Farm Bureau	$713	$120
Nationwide	$1281	$216
Farm Bureau	$1616	$275
Allstate	$2443	$411
Penn National	$449	$76
Farmers	$481	$80

Royal Pines Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Royal Pines NC. For example, the car insurance in Royal Pines after a DUI increases to $1681 for a six month policy. While the rate increases by $200 for a six-month policy in the case of a speeding ticket.

Royal Pines auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$519	$86
One Med/PIP claim	$519	$88
Not-at-fault accident	$524	$87
One comp claim	$535	$91
Two Med/PIP claims	$535	$89
Two comp claims	$551	$94
Failure to show documents	$611	$102
Child safety restraint	$676	$115
Driving without lights	$676	$113
Failure to wear a seat belt	$676	$115
Cell phone violation	$713	$119
Texting while driving	$713	$121
Speeding 6 - 10 MPH over limit	$719	$120
Driving with expired registration	$724	$123
Driving too slowly	$735	$123
Failure to stop at a red light	$735	$125
Failure to yield	$735	$123
Illegal turn	$735	$125
Open container	$735	$123
Operating a vehicle without permission	$735	$125
Wrong way/wrong lane	$735	$123
Speeding in school zone	$741	$126
At-fault accident - $1000-$2000	$746	$125
At-fault accident - less than $1000	$746	$126
In 65 MPH zone	$789	$132
Speeding 11 - 15 MPH over limit	$789	$134
Speeding 16 - 20 MPH over limit	$789	$132
Speeding 21 - 25 MPH over limit	$789	$134
Improper passing	$805	$135
Following too closely	$811	$138
At-fault accident - greater than $2000	$870	$145
Passing school bus	$989	$168
Reckless driving	$1000	$167
Driving with a suspended license	$1546	$263
Leaving scene of an accident/hit and run	$2173	$362
Refusal to submit to a chemical test	$2195	$373
DUI	$2200	$367
Racing	$2238	$380

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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 Royal Pines 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 Royal Pines.

The cheapest car insurance premiums in Royal Pines are offered by National General at $373 for a six-month policy. However, it can be as expensive as $1238 with companies like Farmers.

Royal Pines car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$373	$64
Progressive	$1200	$202
State Farm	$1335	$225
Erie	$1416	$238
Nationwide	$2654	$447
North Carolina Farm Bureau	$2929	$493
Allstate	$5632	$948
Farm Bureau	$6049	$1008
Farmers	$1238	$207

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 Royal Pines are offered by North Carolina Farm Bureau at $173. However, it can be as expensive as $1886 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Royal Pines after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$173	$29
National General	$362	$62
Erie	$368	$62
State Farm	$395	$66
Progressive	$410	$69
Nationwide	$741	$125
Farm Bureau	$1357	$226
Allstate	$1886	$320

Car Insurance Price Trends in Royal Pines, North Carolina

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

The average cost of full coverage in the Royal Pines remained steady at $104 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Royal Pines 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 Royal Pines?

The car insurance in Royal Pines is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Royal Pines?

The cheapest car insurance in Royal Pines is $62 per month for full coverage.

How much is car insurance in Royal Pines for teenagers?

Car insurance for teenagers costs $476 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 Royal Pines?

The average cost of car insurance is $902 for a six-month policy. It will cost around $138 per month to insure your car in Royal Pines.

Is car insurance expensive in Royal Pines?

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

Cheapest Car Insurance Quotes in Royal Pines

Why you can trust Way?

How Much Is Car Insurance in Royal Pines

Avg. Car Insurance in Royal Pines

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Royal Pines

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Royal Pines Car Insurance Rates by Company

Cheap Car Insurance Companies in Royal Pines, NC

Way's key takeaways about car insurance in Royal Pines

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Royal Pines

Cheapest Liability Coverage in Royal Pines, NC

Cheapest Full Coverage Car Insurance in Royal Pines

Cheapest Full Coverage Car Insurance Quotes in Royal Pines, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Royal Pines by Rating Factor

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

Car Insurance Premiums by Age in Royal Pines

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Royal Pines,NC

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

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 Royal Pines

Cheapest Car Insurance Companies after an At-Fault Accident in Royal Pines

Royal Pines Car Insurance Rates by Violation

Royal Pines auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Royal Pines after a DUI

Royal Pines car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Royal Pines after Speeding ticket

Car Insurance Price Trends in Royal Pines, North Carolina

Average Car Insurance Cost in Royal Pines by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Royal Pines, NC

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

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