Cheapest Car Insurance Quotes in Sea Breeze

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Sea Breeze 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 Sea Breeze

The car insurance rate in Sea Breeze is $866 for a six-month policy, which is $36 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $388, making it a popular choice for budget-conscious drivers. Rates in Sea Breeze 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 Sea Breeze

$866

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Sea Breeze

1st place: Erie

At $388 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $462 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 $530 for six months, making it the third cheapest auto insurance company in Sea Breeze.

Sea Breeze Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sea Breeze, NC is Erie, offering policies at just $388 for a six-month term. This is followed by Progressive, which has an average six-month premium of $462.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1106 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sea Breeze drivers find the best deals.

Cheap Car Insurance Companies in Sea Breeze, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$388	$65
Progressive	$462	$78
State Farm	$530	$89
North Carolina Farm Bureau	$627	$106
Nationwide	$815	$137
Farm Bureau	$1072	$182
Farmers	$1094	$182
Kemper	$1203	$204
Allstate	$1369	$230
Penn National	$1106	$184

Key Takeaways

Way's key takeaways about car insurance in Sea Breeze

The auto insurance costs in Sea Breeze fall around $388 for six months.
The cheapest auto insurance company in Sea Breeze is Erie.
Teen drivers pay the highest rate in Sea Breeze at $59 per month.

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Cheapest Minimum Liability Car Insurance in Sea Breeze

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 Sea Breeze are given below.

Erie provides the cheapest minimum car insurance coverage in Sea Breeze. Their Average 6 Month Premium is $171. National Farmers Union Insurance is the most expensive at $297 for the same period.

Cheapest Liability Coverage in Sea Breeze, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$171	$29
State Farm	$234	$39
Progressive	$245	$41
North Carolina Farm Bureau	$268	$45
Nationwide	$336	$57
National General	$348	$58
Penn National	$376	$64
Farm Bureau	$547	$91
Allstate	$599	$101
National Farmers Union Insurance	$297	$49

Cheapest Full Coverage Car Insurance in Sea Breeze

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 Sea Breeze is Erie at $65 per month and $388 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sea Breeze, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$388	$65
Progressive	$462	$78
State Farm	$530	$89
North Carolina Farm Bureau	$627	$106
Nationwide	$815	$137
Farm Bureau	$1072	$182
Farmers	$1094	$182
Kemper	$1203	$204
Allstate	$1369	$230
Penn National	$1106	$184

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Average Car Insurance in Sea Breeze 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 Sea Breeze, NC increasing?

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

Car Insurance Premiums by Age in Sea Breeze

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	$391
30s	North Carolina Farm Bureau	$391
40s	North Carolina Farm Bureau	$391
50s	North Carolina Farm Bureau	$391
60s	North Carolina Farm Bureau	$391
70s	North Carolina Farm Bureau	$391

Cheapest Car Insurance Rates for Teen Drivers in Sea Breeze,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Sea Breeze at $84 per month. At $342 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$502	$84
State Farm	$650	$109
Erie	$656	$110
North Carolina Farm Bureau	$1146	$193
Nationwide	$2481	$414
Allstate	$2999	$510
Penn National	$331	$55
National General	$342	$59

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 Sea Breeze.

As young drivers face the highest rates in Sea Breeze, North Carolina Farm Bureau offers the cheapest auto insurance rates at $391 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 Sea Breeze, North Carolina Farm Bureau is the cheapest car insurance provider. At $171 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 Sea Breeze is Allstate, offering rates of around $3016 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$171	$29
National General	$297	$49
Progressive	$320	$54
Erie	$371	$62
Nationwide	$735	$124
State Farm	$1266	$213
Farm Bureau	$1449	$247
Allstate	$3016	$503

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Car Insurance Rates with An Accident in Sea Breeze

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 Sea Breeze, NC, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Sea Breeze

The cheapest car insurance companies after an at-fault accident in Sea Breeze include Progressive and Erie, offering $485 and $491, respectively. Farmers is an expensive provider with an average six-month premium of $508.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$485	$82
Erie	$491	$83
State Farm	$547	$92
North Carolina Farm Bureau	$753	$127
Nationwide	$1352	$228
Farm Bureau	$1705	$290
Allstate	$2578	$434
Penn National	$473	$81
Farmers	$508	$84

Sea Breeze Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sea Breeze NC. For example, the car insurance in Sea Breeze after a DUI increases to $1774 for a six month policy. While the rate increases by $211 for a six-month policy in the case of a speeding ticket.

Sea Breeze auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$547	$91
One Med/PIP claim	$547	$93
Not-at-fault accident	$553	$92
One comp claim	$564	$96
Two Med/PIP claims	$564	$94
Two comp claims	$582	$99
Failure to show documents	$644	$108
Child safety restraint	$713	$121
Driving without lights	$713	$119
Failure to wear a seat belt	$713	$121
Cell phone violation	$753	$126
Texting while driving	$753	$128
Speeding 6 - 10 MPH over limit	$758	$127
Driving with expired registration	$764	$130
Driving too slowly	$776	$130
Failure to stop at a red light	$776	$132
Failure to yield	$776	$130
Illegal turn	$776	$132
Open container	$776	$130
Operating a vehicle without permission	$776	$132
Wrong way/wrong lane	$776	$130
Speeding in school zone	$781	$132
At-fault accident - $1000-$2000	$787	$132
At-fault accident - less than $1000	$787	$133
In 65 MPH zone	$832	$139
Speeding 11 - 15 MPH over limit	$832	$141
Speeding 16 - 20 MPH over limit	$832	$139
Speeding 21 - 25 MPH over limit	$832	$141
Improper passing	$850	$142
Following too closely	$855	$146
At-fault accident - greater than $2000	$918	$153
Passing school bus	$1044	$178
Reckless driving	$1055	$176
Driving with a suspended license	$1631	$277
Leaving scene of an accident/hit and run	$2292	$382
Refusal to submit to a chemical test	$2316	$394
DUI	$2321	$387
Racing	$2361	$401

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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 Sea Breeze 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 Sea Breeze.

The cheapest car insurance premiums in Sea Breeze are offered by National General at $394 for a six-month policy. However, it can be as expensive as $1306 with companies like Farmers.

Sea Breeze car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$394	$67
Progressive	$1266	$213
State Farm	$1408	$237
Erie	$1494	$252
Nationwide	$2800	$471
North Carolina Farm Bureau	$3090	$520
Allstate	$5941	$1000
Farm Bureau	$6381	$1064
Farmers	$1306	$218

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 Sea Breeze are offered by North Carolina Farm Bureau at $182. However, it can be as expensive as $1990 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Sea Breeze after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$182	$31
National General	$382	$65
Erie	$388	$65
State Farm	$417	$70
Progressive	$433	$73
Nationwide	$781	$132
Farm Bureau	$1431	$238
Allstate	$1990	$338

Car Insurance Price Trends in Sea Breeze, North Carolina

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

The average cost of full coverage in the Sea Breeze remained steady at $109 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Sea Breeze remained steady at $53 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 Sea Breeze?

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

What is the cheapest car insurance in Sea Breeze?

The cheapest car insurance in Sea Breeze is $65 per month for full coverage.

How much is car insurance in Sea Breeze for teenagers?

Car insurance for teenagers costs $502 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 Sea Breeze?

The average cost of car insurance is $902 for a six-month policy. It will cost around $146 per month to insure your car in Sea Breeze.

Is car insurance expensive in Sea Breeze?

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

Cheapest Car Insurance Quotes in Sea Breeze

Why you can trust Way?

How Much Is Car Insurance in Sea Breeze

Avg. Car Insurance in Sea Breeze

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Sea Breeze

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Sea Breeze Car Insurance Rates by Company

Cheap Car Insurance Companies in Sea Breeze, NC

Way's key takeaways about car insurance in Sea Breeze

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sea Breeze

Cheapest Liability Coverage in Sea Breeze, NC

Cheapest Full Coverage Car Insurance in Sea Breeze

Cheapest Full Coverage Car Insurance Quotes in Sea Breeze, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sea Breeze by Rating Factor

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

Car Insurance Premiums by Age in Sea Breeze

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sea Breeze,NC

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

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 Sea Breeze

Cheapest Car Insurance Companies after an At-Fault Accident in Sea Breeze

Sea Breeze Car Insurance Rates by Violation

Sea Breeze auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sea Breeze after a DUI

Sea Breeze car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sea Breeze after Speeding ticket

Car Insurance Price Trends in Sea Breeze, North Carolina

Average Car Insurance Cost in Sea Breeze by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sea Breeze, NC

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

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