Cheapest Car Insurance Quotes in Spring Lake

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Spring Lake Car Insurance

^$ 35

/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 Spring Lake

The car insurance rate in Spring Lake is $953 for a six-month policy, which is $124 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $471, making it a popular choice for budget-conscious drivers. Rates in Spring Lake 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 Spring Lake

$953

Avg. Car Insurance in North Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Spring Lake

1st place: Erie

At $471 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $574 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 $649 for six months, making it the third cheapest auto insurance company in Spring Lake.

Spring Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Spring Lake, NC is Erie, offering policies at just $471 for a six-month term. This is followed by Progressive, which has an average six-month premium of $574.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1749 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Spring Lake drivers find the best deals.

Cheap Car Insurance Companies in Spring Lake, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$471	$79
Progressive	$574	$97
State Farm	$649	$109
North Carolina Farm Bureau	$751	$126
Travelers	$874	$146
Farm Bureau	$943	$160
Nationwide	$1011	$170
Farmers	$1073	$181
Kemper	$1441	$240
Allstate	$1749	$294

Key Takeaways

Way's key takeaways about car insurance in Spring Lake

The auto insurance costs in Spring Lake fall around $471 for six months.
The cheapest auto insurance company in Spring Lake is Erie.
Teen drivers pay the highest rate in Spring Lake at $599 per month.

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Cheapest Minimum Liability Car Insurance in Spring Lake

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 Spring Lake are given below.

Erie provides the cheapest minimum car insurance coverage in Spring Lake. Their Average 6 Month Premium is $205. Allstate is the most expensive at $649 for the same period.

Cheapest Liability Coverage in Spring Lake, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$205	$35
State Farm	$274	$46
Progressive	$293	$49
North Carolina Farm Bureau	$321	$54
Travelers	$383	$63
Farm Bureau	$390	$67
Nationwide	$397	$67
Farmers	$409	$70
National General	$416	$69
Penn National	$451	$77
Allstate	$649	$109

Cheapest Full Coverage Car Insurance in Spring Lake

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 Spring Lake is Erie at $79 per month and $471 for six months.

Cheapest Full Coverage Car Insurance Quotes in Spring Lake, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$471	$79
Progressive	$574	$97
State Farm	$649	$109
North Carolina Farm Bureau	$751	$126
Travelers	$874	$146
Farm Bureau	$943	$160
Nationwide	$1011	$170
Farmers	$1073	$181
Kemper	$1441	$240
Allstate	$1749	$294

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Average Car Insurance in Spring Lake 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 Spring Lake, NC increasing?

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

Car Insurance Premiums by Age in Spring Lake

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 Spring Lake,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Spring Lake at $101 per month. At $3593 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$601	$101
State Farm	$779	$131
Erie	$785	$132
North Carolina Farm Bureau	$1373	$231
Nationwide	$2972	$505
Allstate	$3593	$599

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 Spring Lake, North Carolina Farm Bureau is the cheapest car insurance provider. At $205 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 Spring Lake is Allstate, offering rates of around $4147 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$205	$35
Erie	$232	$39
National General	$355	$61
Progressive	$416	$70
Nationwide	$772	$130
Farmers	$834	$139
Travelers	$1189	$202
Farm Bureau	$1346	$224
State Farm	$1680	$283
Allstate	$4147	$691

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Car Insurance Rates with An Accident in Spring Lake

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 Spring Lake, NC, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Spring Lake

The cheapest car insurance companies after an at-fault accident in Spring Lake include Progressive and Erie, offering $615 and $628, respectively. Allstate is an expensive provider with an average six-month premium of $3251.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$615	$103
Erie	$628	$106
State Farm	$690	$116
North Carolina Farm Bureau	$902	$152
Farmers	$1305	$217
Farm Bureau	$1475	$251
Nationwide	$1482	$250
Travelers	$1564	$266
Allstate	$3251	$547

Spring Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Spring Lake NC. For example, the car insurance in Spring Lake after a DUI increases to $2125 for a six month policy. While the rate increases by $252 for a six-month policy in the case of a speeding ticket.

Spring Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$656	$109
One Med/PIP claim	$656	$112
Not-at-fault accident	$662	$110
One comp claim	$676	$115
Two Med/PIP claims	$676	$113
Two comp claims	$697	$118
Failure to show documents	$772	$129
Child safety restraint	$854	$145
Driving without lights	$854	$143
Failure to wear a seat belt	$854	$145
Cell phone violation	$902	$151
Texting while driving	$902	$153
Speeding 6 - 10 MPH over limit	$908	$152
Driving with expired registration	$915	$155
Driving too slowly	$929	$155
Failure to stop at a red light	$929	$158
Failure to yield	$929	$155
Illegal turn	$929	$158
Open container	$929	$155
Operating a vehicle without permission	$929	$158
Wrong way/wrong lane	$929	$155
Speeding in school zone	$936	$159
At-fault accident - $1000-$2000	$943	$158
At-fault accident - less than $1000	$943	$160
In 65 MPH zone	$997	$167
Speeding 11 - 15 MPH over limit	$997	$169
Speeding 16 - 20 MPH over limit	$997	$167
Speeding 21 - 25 MPH over limit	$997	$169
Improper passing	$1018	$170
Following too closely	$1025	$175
At-fault accident - greater than $2000	$1099	$183
Passing school bus	$1250	$213
Reckless driving	$1264	$210
Driving with a suspended license	$1954	$332
Leaving scene of an accident/hit and run	$2746	$458
Refusal to submit to a chemical test	$2774	$471
DUI	$2781	$463
Racing	$2828	$481

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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 Spring Lake 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 Spring Lake.

The cheapest car insurance premiums in Spring Lake are offered by National General at $471 for a six-month policy. However, it can be as expensive as $7535 with companies like Allstate.

Spring Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$471	$81
Progressive	$1598	$269
Erie	$1735	$292
State Farm	$1763	$297
Farmers	$3122	$531
Travelers	$3265	$544
Nationwide	$3490	$588
North Carolina Farm Bureau	$3702	$623
Farm Bureau	$5423	$922
Allstate	$7535	$1268

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 Spring Lake are offered by North Carolina Farm Bureau at $218. However, it can be as expensive as $2684 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Spring Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$218	$37
Erie	$267	$45
National General	$458	$78
State Farm	$539	$91
Progressive	$567	$95
Nationwide	$1011	$170
Farmers	$1106	$189
Farm Bureau	$1243	$207
Travelers	$1346	$229
Allstate	$2684	$447

Car Insurance Price Trends in Spring Lake, North Carolina

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

The average cost of full coverage in the Spring Lake rose by $137 in January compared to $131 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 Spring Lake dipped to $61 in January, compared to $63 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 Spring Lake?

The car insurance in Spring Lake is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Spring Lake?

The cheapest car insurance in Spring Lake is $79 per month for full coverage.

How much is car insurance in Spring Lake for teenagers?

Car insurance for teenagers costs $601 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 Spring Lake?

The average cost of car insurance is $829 for a six-month policy. It will cost around $160 per month to insure your car in Spring Lake.

Is car insurance expensive in Spring Lake?

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

Cheapest Car Insurance Quotes in Spring Lake

Why you can trust Way?

How Much Is Car Insurance in Spring Lake

Avg. Car Insurance in Spring Lake

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Spring Lake

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Spring Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Spring Lake, NC

Way's key takeaways about car insurance in Spring Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Spring Lake

Cheapest Liability Coverage in Spring Lake, NC

Cheapest Full Coverage Car Insurance in Spring Lake

Cheapest Full Coverage Car Insurance Quotes in Spring Lake, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Spring Lake by Rating Factor

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

Car Insurance Premiums by Age in Spring Lake

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Spring Lake,NC

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

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 Spring Lake

Cheapest Car Insurance Companies after an At-Fault Accident in Spring Lake

Spring Lake Car Insurance Rates by Violation

Spring Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Spring Lake after a DUI

Spring Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Spring Lake after Speeding ticket

Car Insurance Price Trends in Spring Lake, North Carolina

Average Car Insurance Cost in Spring Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Spring Lake, NC

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

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