Cheapest Car Insurance Quotes in Swansboro

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Swansboro 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 Swansboro

The car insurance rate in Swansboro is $738 for a six-month policy, which is $91 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $365, making it a popular choice for budget-conscious drivers. Rates in Swansboro 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 Swansboro

$738

Avg. Car Insurance in North Carolina

$829

National Average

$1278

Cheapest Car Insurance Companies in Swansboro

1st place: Erie

At $365 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $444 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 Swansboro.

Swansboro Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Swansboro, NC is Erie, offering policies at just $365 for a six-month term. This is followed by Progressive, which has an average six-month premium of $444.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1354 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Swansboro drivers find the best deals.

Cheap Car Insurance Companies in Swansboro, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$365	$61
Progressive	$444	$75
State Farm	$502	$85
North Carolina Farm Bureau	$581	$98
Travelers	$676	$113
Farm Bureau	$730	$124
Nationwide	$782	$132
Farmers	$830	$140
Kemper	$1115	$186
Allstate	$1354	$228

Key Takeaways

Way's key takeaways about car insurance in Swansboro

The auto insurance costs in Swansboro fall around $365 for six months.
The cheapest auto insurance company in Swansboro is Erie.
Teen drivers pay the highest rate in Swansboro at $464 per month.

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Cheapest Minimum Liability Car Insurance in Swansboro

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 Swansboro are given below.

Erie provides the cheapest minimum car insurance coverage in Swansboro. Their Average 6 Month Premium is $158. Allstate is the most expensive at $502 for the same period.

Cheapest Liability Coverage in Swansboro, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$158	$27
State Farm	$212	$36
Progressive	$227	$38
North Carolina Farm Bureau	$248	$42
Travelers	$296	$49
Farm Bureau	$302	$52
Nationwide	$307	$52
Farmers	$317	$54
National General	$322	$53
Penn National	$349	$60
Allstate	$502	$85

Cheapest Full Coverage Car Insurance in Swansboro

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 Swansboro is Erie at $61 per month and $365 for six months.

Cheapest Full Coverage Car Insurance Quotes in Swansboro, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$365	$61
Progressive	$444	$75
State Farm	$502	$85
North Carolina Farm Bureau	$581	$98
Travelers	$676	$113
Farm Bureau	$730	$124
Nationwide	$782	$132
Farmers	$830	$140
Kemper	$1115	$186
Allstate	$1354	$228

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Average Car Insurance in Swansboro 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 Swansboro, NC increasing?

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

Car Insurance Premiums by Age in Swansboro

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 Swansboro,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Swansboro at $78 per month. At $2780 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$465	$78
State Farm	$603	$101
Erie	$608	$102
North Carolina Farm Bureau	$1063	$179
Nationwide	$2300	$391
Allstate	$2780	$464

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 Swansboro, North Carolina Farm Bureau is the cheapest car insurance provider. At $158 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 Swansboro is Allstate, offering rates of around $3209 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$158	$27
Erie	$180	$30
National General	$275	$47
Progressive	$322	$54
Nationwide	$597	$101
Farmers	$645	$108
Travelers	$920	$157
Farm Bureau	$1041	$174
State Farm	$1300	$219
Allstate	$3209	$535

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Car Insurance Rates with An Accident in Swansboro

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

Cheapest Car Insurance Companies after an At-Fault Accident in Swansboro

The cheapest car insurance companies after an at-fault accident in Swansboro include Progressive and Erie, offering $476 and $486, respectively. Allstate is an expensive provider with an average six-month premium of $2516.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$476	$80
Erie	$486	$82
State Farm	$534	$90
North Carolina Farm Bureau	$698	$117
Farmers	$1010	$168
Farm Bureau	$1142	$194
Nationwide	$1147	$193
Travelers	$1210	$206
Allstate	$2516	$424

Swansboro Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Swansboro NC. For example, the car insurance in Swansboro after a DUI increases to $1645 for a six month policy. While the rate increases by $196 for a six-month policy in the case of a speeding ticket.

Swansboro auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$507	$85
One Med/PIP claim	$507	$86
Not-at-fault accident	$513	$85
One comp claim	$523	$89
Two Med/PIP claims	$523	$87
Two comp claims	$539	$92
Failure to show documents	$597	$100
Child safety restraint	$661	$112
Driving without lights	$661	$110
Failure to wear a seat belt	$661	$112
Cell phone violation	$698	$117
Texting while driving	$698	$118
Speeding 6 - 10 MPH over limit	$703	$117
Driving with expired registration	$708	$120
Driving too slowly	$719	$120
Failure to stop at a red light	$719	$122
Failure to yield	$719	$120
Illegal turn	$719	$122
Open container	$719	$120
Operating a vehicle without permission	$719	$122
Wrong way/wrong lane	$719	$120
Speeding in school zone	$724	$123
At-fault accident - $1000-$2000	$730	$122
At-fault accident - less than $1000	$730	$124
In 65 MPH zone	$772	$129
Speeding 11 - 15 MPH over limit	$772	$131
Speeding 16 - 20 MPH over limit	$772	$129
Speeding 21 - 25 MPH over limit	$772	$131
Improper passing	$788	$132
Following too closely	$793	$135
At-fault accident - greater than $2000	$851	$142
Passing school bus	$967	$165
Reckless driving	$978	$163
Driving with a suspended license	$1512	$257
Leaving scene of an accident/hit and run	$2125	$354
Refusal to submit to a chemical test	$2147	$365
DUI	$2152	$359
Racing	$2189	$372

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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 Swansboro 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 Swansboro.

The cheapest car insurance premiums in Swansboro are offered by National General at $365 for a six-month policy. However, it can be as expensive as $5831 with companies like Allstate.

Swansboro car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$365	$62
Progressive	$1237	$208
Erie	$1343	$226
State Farm	$1364	$230
Farmers	$2416	$411
Travelers	$2527	$421
Nationwide	$2701	$455
North Carolina Farm Bureau	$2865	$482
Farm Bureau	$4197	$714
Allstate	$5831	$982

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 Swansboro are offered by North Carolina Farm Bureau at $169. However, it can be as expensive as $2077 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Swansboro after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$169	$28
Erie	$206	$35
National General	$354	$61
State Farm	$417	$70
Progressive	$439	$74
Nationwide	$782	$132
Farmers	$856	$146
Farm Bureau	$962	$160
Travelers	$1041	$177
Allstate	$2077	$346

Car Insurance Price Trends in Swansboro, North Carolina

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

The average cost of full coverage in the Swansboro rose by $106 in January compared to $101 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 Swansboro dipped to $47 in January, compared to $49 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 Swansboro?

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

What is the cheapest car insurance in Swansboro?

The cheapest car insurance in Swansboro is $61 per month for full coverage.

How much is car insurance in Swansboro for teenagers?

Car insurance for teenagers costs $465 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 Swansboro?

The average cost of car insurance is $829 for a six-month policy. It will cost around $124 per month to insure your car in Swansboro.

Is car insurance expensive in Swansboro?

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

Cheapest Car Insurance Quotes in Swansboro

Why you can trust Way?

How Much Is Car Insurance in Swansboro

Avg. Car Insurance in Swansboro

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Swansboro

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Swansboro Car Insurance Rates by Company

Cheap Car Insurance Companies in Swansboro, NC

Way's key takeaways about car insurance in Swansboro

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Swansboro

Cheapest Liability Coverage in Swansboro, NC

Cheapest Full Coverage Car Insurance in Swansboro

Cheapest Full Coverage Car Insurance Quotes in Swansboro, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Swansboro by Rating Factor

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

Car Insurance Premiums by Age in Swansboro

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Swansboro,NC

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

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 Swansboro

Cheapest Car Insurance Companies after an At-Fault Accident in Swansboro

Swansboro Car Insurance Rates by Violation

Swansboro auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Swansboro after a DUI

Swansboro car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Swansboro after Speeding ticket

Car Insurance Price Trends in Swansboro, North Carolina

Average Car Insurance Cost in Swansboro by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Swansboro, NC

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

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