Cheapest Car Insurance Quotes in Tar Heel

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Tar Heel 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 Tar Heel

The car insurance rate in Tar Heel is $1037 for a six-month policy, which is $135 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $465, making it a popular choice for budget-conscious drivers. Rates in Tar Heel 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 Tar Heel

$1037

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Tar Heel

1st place: Erie

At $465 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $553 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 $635 for six months, making it the third cheapest auto insurance company in Tar Heel.

Tar Heel Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Tar Heel, NC is Erie, offering policies at just $465 for a six-month term. This is followed by Progressive, which has an average six-month premium of $553.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1325 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Tar Heel drivers find the best deals.

Cheap Car Insurance Companies in Tar Heel, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$465	$78
Progressive	$553	$93
State Farm	$635	$107
North Carolina Farm Bureau	$751	$126
Nationwide	$976	$164
Farm Bureau	$1285	$218
Farmers	$1311	$218
Kemper	$1441	$245
Allstate	$1640	$276
Penn National	$1325	$221

Key Takeaways

Way's key takeaways about car insurance in Tar Heel

The auto insurance costs in Tar Heel fall around $465 for six months.
The cheapest auto insurance company in Tar Heel is Erie.
Teen drivers pay the highest rate in Tar Heel at $70 per month.

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Cheapest Minimum Liability Car Insurance in Tar Heel

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 Tar Heel are given below.

Erie provides the cheapest minimum car insurance coverage in Tar Heel. Their Average 6 Month Premium is $205. National Farmers Union Insurance is the most expensive at $355 for the same period.

Cheapest Liability Coverage in Tar Heel, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$205	$35
State Farm	$281	$47
Progressive	$293	$49
North Carolina Farm Bureau	$321	$54
Nationwide	$402	$68
National General	$416	$69
Penn National	$451	$77
Farm Bureau	$656	$109
Allstate	$718	$121
National Farmers Union Insurance	$355	$59

Cheapest Full Coverage Car Insurance in Tar Heel

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 Tar Heel is Erie at $78 per month and $465 for six months.

Cheapest Full Coverage Car Insurance Quotes in Tar Heel, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$465	$78
Progressive	$553	$93
State Farm	$635	$107
North Carolina Farm Bureau	$751	$126
Nationwide	$976	$164
Farm Bureau	$1285	$218
Farmers	$1311	$218
Kemper	$1441	$245
Allstate	$1640	$276
Penn National	$1325	$221

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Average Car Insurance in Tar Heel 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 Tar Heel, NC increasing?

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

Car Insurance Premiums by Age in Tar Heel

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	$468
30s	North Carolina Farm Bureau	$468
40s	North Carolina Farm Bureau	$468
50s	North Carolina Farm Bureau	$468
60s	North Carolina Farm Bureau	$468
70s	North Carolina Farm Bureau	$468

Cheapest Car Insurance Rates for Teen Drivers in Tar Heel,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Tar Heel at $101 per month. At $409 for a six-month premium, National General 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	$496
Allstate	$3593	$611
Penn National	$397	$66
National General	$409	$70

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 Tar Heel.

As young drivers face the highest rates in Tar Heel, North Carolina Farm Bureau offers the cheapest auto insurance rates at $468 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 Tar Heel, 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 Tar Heel is Allstate, offering rates of around $3613 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$205	$35
National General	$355	$59
Progressive	$383	$64
Erie	$444	$75
Nationwide	$881	$148
State Farm	$1517	$255
Farm Bureau	$1735	$296
Allstate	$3613	$603

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Car Insurance Rates with An Accident in Tar Heel

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

Cheapest Car Insurance Companies after an At-Fault Accident in Tar Heel

The cheapest car insurance companies after an at-fault accident in Tar Heel include Progressive and Erie, offering $581 and $588, respectively. Farmers is an expensive provider with an average six-month premium of $608.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$581	$98
Erie	$588	$99
State Farm	$656	$110
North Carolina Farm Bureau	$902	$152
Nationwide	$1619	$273
Farm Bureau	$2042	$347
Allstate	$3088	$520
Penn National	$567	$97
Farmers	$608	$101

Tar Heel Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Tar Heel NC. For example, the car insurance in Tar Heel 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.

Tar Heel 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 Tar Heel 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 Tar Heel.

The cheapest car insurance premiums in Tar Heel are offered by National General at $471 for a six-month policy. However, it can be as expensive as $1564 with companies like Farmers.

Tar Heel car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$471	$81
Progressive	$1517	$255
State Farm	$1687	$284
Erie	$1789	$301
Nationwide	$3355	$565
North Carolina Farm Bureau	$3702	$623
Allstate	$7117	$1198
Farm Bureau	$7644	$1274
Farmers	$1564	$261

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 Tar Heel are offered by North Carolina Farm Bureau at $218. However, it can be as expensive as $2384 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Tar Heel after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$218	$37
National General	$458	$78
Erie	$465	$78
State Farm	$499	$84
Progressive	$519	$87
Nationwide	$936	$158
Farm Bureau	$1715	$285
Allstate	$2384	$405

Car Insurance Price Trends in Tar Heel, North Carolina

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

The average cost of full coverage in the Tar Heel remained steady at $131 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Tar Heel remained steady at $63 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 Tar Heel?

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

What is the cheapest car insurance in Tar Heel?

The cheapest car insurance in Tar Heel is $78 per month for full coverage.

How much is car insurance in Tar Heel 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 Tar Heel?

The average cost of car insurance is $902 for a six-month policy. It will cost around $175 per month to insure your car in Tar Heel.

Is car insurance expensive in Tar Heel?

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

Cheapest Car Insurance Quotes in Tar Heel

Why you can trust Way?

How Much Is Car Insurance in Tar Heel

Avg. Car Insurance in Tar Heel

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Tar Heel

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Tar Heel Car Insurance Rates by Company

Cheap Car Insurance Companies in Tar Heel, NC

Way's key takeaways about car insurance in Tar Heel

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Tar Heel

Cheapest Liability Coverage in Tar Heel, NC

Cheapest Full Coverage Car Insurance in Tar Heel

Cheapest Full Coverage Car Insurance Quotes in Tar Heel, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Tar Heel by Rating Factor

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

Car Insurance Premiums by Age in Tar Heel

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Tar Heel,NC

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

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 Tar Heel

Cheapest Car Insurance Companies after an At-Fault Accident in Tar Heel

Tar Heel Car Insurance Rates by Violation

Tar Heel auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Tar Heel after a DUI

Tar Heel car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Tar Heel after Speeding ticket

Car Insurance Price Trends in Tar Heel, North Carolina

Average Car Insurance Cost in Tar Heel by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Tar Heel, NC

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

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