Cheapest Car Insurance Quotes in Wesley Chapel

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Wesley Chapel Car Insurance

^$ 34

/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 Wesley Chapel

The car insurance rate in Wesley Chapel is $1019 for a six-month policy, which is $117 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $457, making it a popular choice for budget-conscious drivers. Rates in Wesley Chapel 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 Wesley Chapel

$1019

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Wesley Chapel

1st place: Erie

At $457 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $544 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 $624 for six months, making it the third cheapest auto insurance company in Wesley Chapel.

Wesley Chapel Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wesley Chapel, NC is Erie, offering policies at just $457 for a six-month term. This is followed by Progressive, which has an average six-month premium of $544.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1302 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wesley Chapel drivers find the best deals.

Cheap Car Insurance Companies in Wesley Chapel, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$457	$77
Progressive	$544	$92
State Farm	$624	$105
North Carolina Farm Bureau	$738	$124
Nationwide	$959	$162
Farm Bureau	$1262	$215
Farmers	$1288	$215
Kemper	$1416	$241
Allstate	$1611	$271
Penn National	$1302	$217

Key Takeaways

Way's key takeaways about car insurance in Wesley Chapel

The auto insurance costs in Wesley Chapel fall around $457 for six months.
The cheapest auto insurance company in Wesley Chapel is Erie.
Teen drivers pay the highest rate in Wesley Chapel at $69 per month.

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Cheapest Minimum Liability Car Insurance in Wesley Chapel

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 Wesley Chapel are given below.

Erie provides the cheapest minimum car insurance coverage in Wesley Chapel. Their Average 6 Month Premium is $201. National Farmers Union Insurance is the most expensive at $349 for the same period.

Cheapest Liability Coverage in Wesley Chapel, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$201	$34
State Farm	$276	$46
Progressive	$288	$49
North Carolina Farm Bureau	$315	$53
Nationwide	$395	$67
National General	$409	$68
Penn National	$443	$76
Farm Bureau	$644	$107
Allstate	$705	$119
National Farmers Union Insurance	$349	$58

Cheapest Full Coverage Car Insurance in Wesley Chapel

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 Wesley Chapel is Erie at $77 per month and $457 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wesley Chapel, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$457	$77
Progressive	$544	$92
State Farm	$624	$105
North Carolina Farm Bureau	$738	$124
Nationwide	$959	$162
Farm Bureau	$1262	$215
Farmers	$1288	$215
Kemper	$1416	$241
Allstate	$1611	$271
Penn National	$1302	$217

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Average Car Insurance in Wesley Chapel 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 Wesley Chapel, NC increasing?

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

Car Insurance Premiums by Age in Wesley Chapel

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	$460
30s	North Carolina Farm Bureau	$460
40s	North Carolina Farm Bureau	$460
50s	North Carolina Farm Bureau	$460
60s	North Carolina Farm Bureau	$460
70s	North Carolina Farm Bureau	$460

Cheapest Car Insurance Rates for Teen Drivers in Wesley Chapel,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Wesley Chapel at $99 per month. At $402 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$591	$99
State Farm	$765	$129
Erie	$772	$130
North Carolina Farm Bureau	$1349	$227
Nationwide	$2920	$487
Allstate	$3530	$600
Penn National	$390	$64
National General	$402	$69

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 Wesley Chapel.

As young drivers face the highest rates in Wesley Chapel, North Carolina Farm Bureau offers the cheapest auto insurance rates at $460 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 Wesley Chapel, North Carolina Farm Bureau is the cheapest car insurance provider. At $201 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 Wesley Chapel is Allstate, offering rates of around $3550 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$201	$34
National General	$349	$58
Progressive	$376	$63
Erie	$436	$73
Nationwide	$866	$146
State Farm	$1490	$251
Farm Bureau	$1705	$290
Allstate	$3550	$592

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Car Insurance Rates with An Accident in Wesley Chapel

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

Cheapest Car Insurance Companies after an At-Fault Accident in Wesley Chapel

The cheapest car insurance companies after an at-fault accident in Wesley Chapel include Progressive and Erie, offering $571 and $577, respectively. Farmers is an expensive provider with an average six-month premium of $598.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$571	$96
Erie	$577	$97
State Farm	$644	$108
North Carolina Farm Bureau	$886	$149
Nationwide	$1591	$268
Farm Bureau	$2007	$341
Allstate	$3034	$511
Penn National	$557	$95
Farmers	$598	$99

Wesley Chapel Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wesley Chapel NC. For example, the car insurance in Wesley Chapel after a DUI increases to $2088 for a six month policy. While the rate increases by $249 for a six-month policy in the case of a speeding ticket.

Wesley Chapel auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$644	$107
One Med/PIP claim	$644	$110
Not-at-fault accident	$651	$108
One comp claim	$664	$113
Two Med/PIP claims	$664	$111
Two comp claims	$685	$116
Failure to show documents	$758	$127
Child safety restraint	$840	$142
Driving without lights	$840	$140
Failure to wear a seat belt	$840	$142
Cell phone violation	$886	$148
Texting while driving	$886	$150
Speeding 6 - 10 MPH over limit	$893	$149
Driving with expired registration	$899	$153
Driving too slowly	$913	$153
Failure to stop at a red light	$913	$155
Failure to yield	$913	$153
Illegal turn	$913	$155
Open container	$913	$153
Operating a vehicle without permission	$913	$155
Wrong way/wrong lane	$913	$153
Speeding in school zone	$920	$156
At-fault accident - $1000-$2000	$927	$155
At-fault accident - less than $1000	$927	$157
In 65 MPH zone	$980	$164
Speeding 11 - 15 MPH over limit	$980	$166
Speeding 16 - 20 MPH over limit	$980	$164
Speeding 21 - 25 MPH over limit	$980	$166
Improper passing	$1000	$167
Following too closely	$1007	$172
At-fault accident - greater than $2000	$1080	$180
Passing school bus	$1228	$209
Reckless driving	$1242	$207
Driving with a suspended license	$1920	$327
Leaving scene of an accident/hit and run	$2698	$450
Refusal to submit to a chemical test	$2726	$463
DUI	$2732	$455
Racing	$2779	$472

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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 Wesley Chapel 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 Wesley Chapel.

The cheapest car insurance premiums in Wesley Chapel are offered by National General at $463 for a six-month policy. However, it can be as expensive as $1537 with companies like Farmers.

Wesley Chapel car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$463	$79
Progressive	$1490	$251
State Farm	$1658	$279
Erie	$1758	$296
Nationwide	$3296	$555
North Carolina Farm Bureau	$3637	$612
Allstate	$6994	$1177
Farm Bureau	$7511	$1252
Farmers	$1537	$257

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 Wesley Chapel are offered by North Carolina Farm Bureau at $215. However, it can be as expensive as $2342 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Wesley Chapel after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$215	$36
National General	$450	$77
Erie	$457	$77
State Farm	$490	$82
Progressive	$510	$86
Nationwide	$920	$155
Farm Bureau	$1685	$280
Allstate	$2342	$398

Car Insurance Price Trends in Wesley Chapel, North Carolina

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

The average cost of full coverage in the Wesley Chapel remained steady at $129 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Wesley Chapel remained steady at $62 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 Wesley Chapel?

The car insurance in Wesley Chapel is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Wesley Chapel?

The cheapest car insurance in Wesley Chapel is $77 per month for full coverage.

How much is car insurance in Wesley Chapel for teenagers?

Car insurance for teenagers costs $591 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 Wesley Chapel?

The average cost of car insurance is $902 for a six-month policy. It will cost around $172 per month to insure your car in Wesley Chapel.

Is car insurance expensive in Wesley Chapel?

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

Cheapest Car Insurance Quotes in Wesley Chapel

Why you can trust Way?

How Much Is Car Insurance in Wesley Chapel

Avg. Car Insurance in Wesley Chapel

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Wesley Chapel

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Wesley Chapel Car Insurance Rates by Company

Cheap Car Insurance Companies in Wesley Chapel, NC

Way's key takeaways about car insurance in Wesley Chapel

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Wesley Chapel

Cheapest Liability Coverage in Wesley Chapel, NC

Cheapest Full Coverage Car Insurance in Wesley Chapel

Cheapest Full Coverage Car Insurance Quotes in Wesley Chapel, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Wesley Chapel by Rating Factor

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

Car Insurance Premiums by Age in Wesley Chapel

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Wesley Chapel,NC

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

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 Wesley Chapel

Cheapest Car Insurance Companies after an At-Fault Accident in Wesley Chapel

Wesley Chapel Car Insurance Rates by Violation

Wesley Chapel auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Wesley Chapel after a DUI

Wesley Chapel car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Wesley Chapel after Speeding ticket

Car Insurance Price Trends in Wesley Chapel, North Carolina

Average Car Insurance Cost in Wesley Chapel by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Wesley Chapel, NC

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

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