Cheapest Car Insurance Quotes in West Jefferson

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West Jefferson Car Insurance

^$ 28

/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 West Jefferson

The car insurance rate in West Jefferson is $848 for a six-month policy, which is $54 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $380, making it a popular choice for budget-conscious drivers. Rates in West Jefferson 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 West Jefferson

$848

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in West Jefferson

1st place: Erie

At $380 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $452 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 $519 for six months, making it the third cheapest auto insurance company in West Jefferson.

West Jefferson Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Jefferson, NC is Erie, offering policies at just $380 for a six-month term. This is followed by Progressive, which has an average six-month premium of $452.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1083 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Jefferson drivers find the best deals.

Cheap Car Insurance Companies in West Jefferson, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$380	$64
Progressive	$452	$76
State Farm	$519	$87
North Carolina Farm Bureau	$614	$103
Nationwide	$798	$134
Farm Bureau	$1050	$179
Farmers	$1072	$179
Kemper	$1178	$200
Allstate	$1340	$226
Penn National	$1083	$180

Key Takeaways

Way's key takeaways about car insurance in West Jefferson

The auto insurance costs in West Jefferson fall around $380 for six months.
The cheapest auto insurance company in West Jefferson is Erie.
Teen drivers pay the highest rate in West Jefferson at $57 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in West Jefferson

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 West Jefferson are given below.

Erie provides the cheapest minimum car insurance coverage in West Jefferson. Their Average 6 Month Premium is $167. National Farmers Union Insurance is the most expensive at $290 for the same period.

Cheapest Liability Coverage in West Jefferson, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$167	$28
State Farm	$229	$39
Progressive	$240	$40
North Carolina Farm Bureau	$262	$44
Nationwide	$329	$55
National General	$340	$56
Penn National	$368	$63
Farm Bureau	$536	$89
Allstate	$587	$99
National Farmers Union Insurance	$290	$48

Cheapest Full Coverage Car Insurance in West Jefferson

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 West Jefferson is Erie at $64 per month and $380 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Jefferson, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$380	$64
Progressive	$452	$76
State Farm	$519	$87
North Carolina Farm Bureau	$614	$103
Nationwide	$798	$134
Farm Bureau	$1050	$179
Farmers	$1072	$179
Kemper	$1178	$200
Allstate	$1340	$226
Penn National	$1083	$180

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Average Car Insurance in West Jefferson 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 West Jefferson, NC increasing?

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

Car Insurance Premiums by Age in West Jefferson

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	$383
30s	North Carolina Farm Bureau	$383
40s	North Carolina Farm Bureau	$383
50s	North Carolina Farm Bureau	$383
60s	North Carolina Farm Bureau	$383
70s	North Carolina Farm Bureau	$383

Cheapest Car Insurance Rates for Teen Drivers in West Jefferson,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the West Jefferson at $83 per month. At $335 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$492	$83
State Farm	$636	$107
Erie	$642	$108
North Carolina Farm Bureau	$1122	$189
Nationwide	$2429	$405
Allstate	$2937	$499
Penn National	$324	$54
National General	$335	$57

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 West Jefferson.

As young drivers face the highest rates in West Jefferson, North Carolina Farm Bureau offers the cheapest auto insurance rates at $383 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 West Jefferson, North Carolina Farm Bureau is the cheapest car insurance provider. At $167 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 West Jefferson is Allstate, offering rates of around $2953 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$167	$28
National General	$290	$48
Progressive	$313	$53
Erie	$363	$61
Nationwide	$720	$121
State Farm	$1240	$209
Farm Bureau	$1418	$242
Allstate	$2953	$493

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Save up to $971/yr on car insurance rates in West Jefferson.

Car Insurance Rates with An Accident in West Jefferson

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

Cheapest Car Insurance Companies after an At-Fault Accident in West Jefferson

The cheapest car insurance companies after an at-fault accident in West Jefferson include Progressive and Erie, offering $475 and $480, respectively. Farmers is an expensive provider with an average six-month premium of $497.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$475	$80
Erie	$480	$81
State Farm	$536	$90
North Carolina Farm Bureau	$737	$124
Nationwide	$1324	$223
Farm Bureau	$1669	$284
Allstate	$2524	$425
Penn National	$463	$79
Farmers	$497	$83

West Jefferson Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Jefferson NC. For example, the car insurance in West Jefferson after a DUI increases to $1737 for a six month policy. While the rate increases by $207 for a six-month policy in the case of a speeding ticket.

West Jefferson auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$536	$89
One Med/PIP claim	$536	$91
Not-at-fault accident	$541	$90
One comp claim	$553	$94
Two Med/PIP claims	$553	$92
Two comp claims	$570	$97
Failure to show documents	$631	$105
Child safety restraint	$698	$118
Driving without lights	$698	$117
Failure to wear a seat belt	$698	$118
Cell phone violation	$737	$123
Texting while driving	$737	$125
Speeding 6 - 10 MPH over limit	$743	$124
Driving with expired registration	$748	$127
Driving too slowly	$760	$127
Failure to stop at a red light	$760	$129
Failure to yield	$760	$127
Illegal turn	$760	$129
Open container	$760	$127
Operating a vehicle without permission	$760	$129
Wrong way/wrong lane	$760	$127
Speeding in school zone	$765	$130
At-fault accident - $1000-$2000	$771	$129
At-fault accident - less than $1000	$771	$131
In 65 MPH zone	$815	$136
Speeding 11 - 15 MPH over limit	$815	$138
Speeding 16 - 20 MPH over limit	$815	$136
Speeding 21 - 25 MPH over limit	$815	$138
Improper passing	$832	$139
Following too closely	$838	$143
At-fault accident - greater than $2000	$899	$149
Passing school bus	$1022	$174
Reckless driving	$1033	$172
Driving with a suspended license	$1597	$272
Leaving scene of an accident/hit and run	$2245	$374
Refusal to submit to a chemical test	$2267	$385
DUI	$2273	$379
Racing	$2311	$393

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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 West Jefferson 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 West Jefferson.

The cheapest car insurance premiums in West Jefferson are offered by National General at $385 for a six-month policy. However, it can be as expensive as $1278 with companies like Farmers.

West Jefferson car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$385	$66
Progressive	$1240	$209
State Farm	$1379	$232
Erie	$1463	$246
Nationwide	$2742	$462
North Carolina Farm Bureau	$3026	$509
Allstate	$5818	$979
Farm Bureau	$6248	$1042
Farmers	$1278	$213

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 West Jefferson are offered by North Carolina Farm Bureau at $179. However, it can be as expensive as $1949 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in West Jefferson after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$179	$30
National General	$374	$64
Erie	$380	$64
State Farm	$408	$69
Progressive	$424	$71
Nationwide	$765	$129
Farm Bureau	$1402	$233
Allstate	$1949	$331

Car Insurance Price Trends in West Jefferson, North Carolina

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

The average cost of full coverage in the West Jefferson remained steady at $107 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the West Jefferson remained steady at $52 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 West Jefferson?

The car insurance in West Jefferson is $28 per month, which is lower than the national average.

What is the cheapest car insurance in West Jefferson?

The cheapest car insurance in West Jefferson is $64 per month for full coverage.

How much is car insurance in West Jefferson for teenagers?

Car insurance for teenagers costs $492 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 West Jefferson?

The average cost of car insurance is $902 for a six-month policy. It will cost around $143 per month to insure your car in West Jefferson.

Is car insurance expensive in West Jefferson?

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

Cheapest Car Insurance Quotes in West Jefferson

Why you can trust Way?

How Much Is Car Insurance in West Jefferson

Avg. Car Insurance in West Jefferson

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in West Jefferson

1st place: Erie

2nd place: Progressive

3rd place: State Farm

West Jefferson Car Insurance Rates by Company

Cheap Car Insurance Companies in West Jefferson, NC

Way's key takeaways about car insurance in West Jefferson

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in West Jefferson

Cheapest Liability Coverage in West Jefferson, NC

Cheapest Full Coverage Car Insurance in West Jefferson

Cheapest Full Coverage Car Insurance Quotes in West Jefferson, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in West Jefferson by Rating Factor

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

Car Insurance Premiums by Age in West Jefferson

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in West Jefferson,NC

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

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 West Jefferson

Cheapest Car Insurance Companies after an At-Fault Accident in West Jefferson

West Jefferson Car Insurance Rates by Violation

West Jefferson auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in West Jefferson after a DUI

West Jefferson car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in West Jefferson after Speeding ticket

Car Insurance Price Trends in West Jefferson, North Carolina

Average Car Insurance Cost in West Jefferson by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near West Jefferson, NC

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

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