Cheapest Car Insurance Quotes in South Rosemary

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South Rosemary Car Insurance

^$ 31

/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 South Rosemary

The car insurance rate in South Rosemary is $854 for a six-month policy, which is $25 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $422, making it a popular choice for budget-conscious drivers. Rates in South Rosemary 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 South Rosemary

$854

Avg. Car Insurance in North Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in South Rosemary

1st place: Erie

At $422 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $514 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 $581 for six months, making it the third cheapest auto insurance company in South Rosemary.

South Rosemary Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Rosemary, NC is Erie, offering policies at just $422 for a six-month term. This is followed by Progressive, which has an average six-month premium of $514.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1567 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Rosemary drivers find the best deals.

Cheap Car Insurance Companies in South Rosemary, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$422	$71
Progressive	$514	$87
State Farm	$581	$98
North Carolina Farm Bureau	$673	$113
Travelers	$783	$131
Farm Bureau	$845	$143
Nationwide	$905	$152
Farmers	$961	$162
Kemper	$1291	$215
Allstate	$1567	$264

Key Takeaways

Way's key takeaways about car insurance in South Rosemary

The auto insurance costs in South Rosemary fall around $422 for six months.
The cheapest auto insurance company in South Rosemary is Erie.
Teen drivers pay the highest rate in South Rosemary at $537 per month.

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Cheapest Minimum Liability Car Insurance in South Rosemary

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 South Rosemary are given below.

Erie provides the cheapest minimum car insurance coverage in South Rosemary. Their Average 6 Month Premium is $183. Allstate is the most expensive at $581 for the same period.

Cheapest Liability Coverage in South Rosemary, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$183	$31
State Farm	$245	$41
Progressive	$263	$44
North Carolina Farm Bureau	$287	$48
Travelers	$343	$57
Farm Bureau	$349	$60
Nationwide	$355	$60
Farmers	$367	$63
National General	$373	$62
Penn National	$404	$69
Allstate	$581	$98

Cheapest Full Coverage Car Insurance in South Rosemary

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 South Rosemary is Erie at $71 per month and $422 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Rosemary, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$422	$71
Progressive	$514	$87
State Farm	$581	$98
North Carolina Farm Bureau	$673	$113
Travelers	$783	$131
Farm Bureau	$845	$143
Nationwide	$905	$152
Farmers	$961	$162
Kemper	$1291	$215
Allstate	$1567	$264

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Average Car Insurance in South Rosemary 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 South Rosemary, NC increasing?

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

Car Insurance Premiums by Age in South Rosemary

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 South Rosemary,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the South Rosemary at $91 per month. At $3218 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$539	$91
State Farm	$697	$117
Erie	$703	$118
North Carolina Farm Bureau	$1230	$207
Nationwide	$2662	$452
Allstate	$3218	$537

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 South Rosemary, North Carolina Farm Bureau is the cheapest car insurance provider. At $183 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 South Rosemary is Allstate, offering rates of around $3714 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$183	$31
Erie	$208	$35
National General	$318	$55
Progressive	$373	$63
Nationwide	$691	$116
Farmers	$747	$125
Travelers	$1065	$181
Farm Bureau	$1205	$201
State Farm	$1505	$253
Allstate	$3714	$619

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Save up to $971/yr on car insurance rates in South Rosemary.

Car Insurance Rates with An Accident in South Rosemary

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 South Rosemary, NC, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in South Rosemary

The cheapest car insurance companies after an at-fault accident in South Rosemary include Progressive and Erie, offering $551 and $562, respectively. Allstate is an expensive provider with an average six-month premium of $2912.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$551	$93
Erie	$562	$95
State Farm	$618	$104
North Carolina Farm Bureau	$808	$136
Farmers	$1169	$195
Farm Bureau	$1321	$225
Nationwide	$1328	$224
Travelers	$1401	$238
Allstate	$2912	$490

South Rosemary Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Rosemary NC. For example, the car insurance in South Rosemary after a DUI increases to $1904 for a six month policy. While the rate increases by $227 for a six-month policy in the case of a speeding ticket.

South Rosemary auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$587	$98
One Med/PIP claim	$587	$100
Not-at-fault accident	$593	$99
One comp claim	$606	$103
Two Med/PIP claims	$606	$101
Two comp claims	$624	$106
Failure to show documents	$691	$115
Child safety restraint	$765	$130
Driving without lights	$765	$128
Failure to wear a seat belt	$765	$130
Cell phone violation	$808	$135
Texting while driving	$808	$137
Speeding 6 - 10 MPH over limit	$814	$136
Driving with expired registration	$820	$139
Driving too slowly	$832	$139
Failure to stop at a red light	$832	$141
Failure to yield	$832	$139
Illegal turn	$832	$141
Open container	$832	$139
Operating a vehicle without permission	$832	$141
Wrong way/wrong lane	$832	$139
Speeding in school zone	$838	$142
At-fault accident - $1000-$2000	$845	$141
At-fault accident - less than $1000	$845	$143
In 65 MPH zone	$893	$149
Speeding 11 - 15 MPH over limit	$893	$151
Speeding 16 - 20 MPH over limit	$893	$149
Speeding 21 - 25 MPH over limit	$893	$151
Improper passing	$912	$152
Following too closely	$918	$157
At-fault accident - greater than $2000	$985	$164
Passing school bus	$1120	$191
Reckless driving	$1132	$188
Driving with a suspended license	$1750	$298
Leaving scene of an accident/hit and run	$2460	$410
Refusal to submit to a chemical test	$2484	$422
DUI	$2491	$415
Racing	$2533	$431

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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 South Rosemary 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 South Rosemary.

The cheapest car insurance premiums in South Rosemary are offered by National General at $422 for a six-month policy. However, it can be as expensive as $6749 with companies like Allstate.

South Rosemary car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$422	$72
Progressive	$1432	$241
Erie	$1554	$262
State Farm	$1579	$266
Farmers	$2796	$476
Travelers	$2924	$487
Nationwide	$3126	$526
North Carolina Farm Bureau	$3316	$558
Farm Bureau	$4857	$826
Allstate	$6749	$1136

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 South Rosemary are offered by North Carolina Farm Bureau at $196. However, it can be as expensive as $2404 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in South Rosemary after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$196	$33
Erie	$239	$40
National General	$410	$70
State Farm	$483	$81
Progressive	$508	$85
Nationwide	$905	$152
Farmers	$991	$169
Farm Bureau	$1113	$185
Travelers	$1205	$205
Allstate	$2404	$401

Car Insurance Price Trends in South Rosemary, North Carolina

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

The average cost of full coverage in the South Rosemary rose by $123 in January compared to $117 of December. In other words, there has been an increase by $6 when you compare January and December.

The average cost of liability insurance in the South Rosemary dipped to $55 in January, compared to $57 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 South Rosemary?

The car insurance in South Rosemary is $31 per month, which is lower than the national average.

What is the cheapest car insurance in South Rosemary?

The cheapest car insurance in South Rosemary is $71 per month for full coverage.

How much is car insurance in South Rosemary for teenagers?

Car insurance for teenagers costs $539 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 South Rosemary?

The average cost of car insurance is $829 for a six-month policy. It will cost around $143 per month to insure your car in South Rosemary.

Is car insurance expensive in South Rosemary?

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

Cheapest Car Insurance Quotes in South Rosemary

Why you can trust Way?

How Much Is Car Insurance in South Rosemary

Avg. Car Insurance in South Rosemary

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in South Rosemary

1st place: Erie

2nd place: Progressive

3rd place: State Farm

South Rosemary Car Insurance Rates by Company

Cheap Car Insurance Companies in South Rosemary, NC

Way's key takeaways about car insurance in South Rosemary

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in South Rosemary

Cheapest Liability Coverage in South Rosemary, NC

Cheapest Full Coverage Car Insurance in South Rosemary

Cheapest Full Coverage Car Insurance Quotes in South Rosemary, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in South Rosemary by Rating Factor

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

Car Insurance Premiums by Age in South Rosemary

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in South Rosemary,NC

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

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 South Rosemary

Cheapest Car Insurance Companies after an At-Fault Accident in South Rosemary

South Rosemary Car Insurance Rates by Violation

South Rosemary auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in South Rosemary after a DUI

South Rosemary car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in South Rosemary after Speeding ticket

Car Insurance Price Trends in South Rosemary, North Carolina

Average Car Insurance Cost in South Rosemary by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near South Rosemary, NC

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

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