Cheapest Car Insurance Quotes in White Oak

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White Oak 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 White Oak

The car insurance rate in White Oak is $1046 for a six-month policy, which is $144 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $469, making it a popular choice for budget-conscious drivers. Rates in White Oak 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 White Oak

$1046

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in White Oak

1st place: Erie

At $469 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $558 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 $640 for six months, making it the third cheapest auto insurance company in White Oak.

White Oak Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in White Oak, NC is Erie, offering policies at just $469 for a six-month term. This is followed by Progressive, which has an average six-month premium of $558.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1336 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help White Oak drivers find the best deals.

Cheap Car Insurance Companies in White Oak, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$469	$79
Progressive	$558	$94
State Farm	$640	$108
North Carolina Farm Bureau	$757	$128
Nationwide	$985	$166
Farm Bureau	$1296	$220
Farmers	$1322	$220
Kemper	$1453	$247
Allstate	$1654	$278
Penn National	$1336	$223

Key Takeaways

Way's key takeaways about car insurance in White Oak

The auto insurance costs in White Oak fall around $469 for six months.
The cheapest auto insurance company in White Oak is Erie.
Teen drivers pay the highest rate in White Oak at $71 per month.

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Cheapest Minimum Liability Car Insurance in White Oak

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 White Oak are given below.

Erie provides the cheapest minimum car insurance coverage in White Oak. Their Average 6 Month Premium is $206. National Farmers Union Insurance is the most expensive at $358 for the same period.

Cheapest Liability Coverage in White Oak, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$206	$35
State Farm	$283	$48
Progressive	$296	$50
North Carolina Farm Bureau	$324	$55
Nationwide	$406	$68
National General	$420	$70
Penn National	$455	$78
Farm Bureau	$661	$110
Allstate	$724	$122
National Farmers Union Insurance	$358	$59

Cheapest Full Coverage Car Insurance in White Oak

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 White Oak is Erie at $79 per month and $469 for six months.

Cheapest Full Coverage Car Insurance Quotes in White Oak, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$469	$79
Progressive	$558	$94
State Farm	$640	$108
North Carolina Farm Bureau	$757	$128
Nationwide	$985	$166
Farm Bureau	$1296	$220
Farmers	$1322	$220
Kemper	$1453	$247
Allstate	$1654	$278
Penn National	$1336	$223

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Average Car Insurance in White Oak 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 White Oak, NC increasing?

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

Car Insurance Premiums by Age in White Oak

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	$472
30s	North Carolina Farm Bureau	$472
40s	North Carolina Farm Bureau	$472
50s	North Carolina Farm Bureau	$472
60s	North Carolina Farm Bureau	$472
70s	North Carolina Farm Bureau	$472

Cheapest Car Insurance Rates for Teen Drivers in White Oak,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the White Oak at $102 per month. At $413 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$607	$102
State Farm	$785	$132
Erie	$792	$133
North Carolina Farm Bureau	$1385	$233
Nationwide	$2997	$500
Allstate	$3624	$616
Penn National	$400	$66
National General	$413	$71

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 White Oak.

As young drivers face the highest rates in White Oak, North Carolina Farm Bureau offers the cheapest auto insurance rates at $472 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 White Oak, North Carolina Farm Bureau is the cheapest car insurance provider. At $206 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 White Oak is Allstate, offering rates of around $3645 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$206	$35
National General	$358	$59
Progressive	$386	$65
Erie	$448	$75
Nationwide	$889	$150
State Farm	$1530	$258
Farm Bureau	$1750	$298
Allstate	$3645	$608

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Save up to $971/yr on car insurance rates in White Oak.

Car Insurance Rates with An Accident in White Oak

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

Cheapest Car Insurance Companies after an At-Fault Accident in White Oak

The cheapest car insurance companies after an at-fault accident in White Oak include Progressive and Erie, offering $586 and $593, respectively. Farmers is an expensive provider with an average six-month premium of $614.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$586	$99
Erie	$593	$100
State Farm	$661	$111
North Carolina Farm Bureau	$909	$153
Nationwide	$1633	$275
Farm Bureau	$2060	$350
Allstate	$3115	$524
Penn National	$572	$97
Farmers	$614	$102

White Oak Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in White Oak NC. For example, the car insurance in White Oak after a DUI increases to $2144 for a six month policy. While the rate increases by $255 for a six-month policy in the case of a speeding ticket.

White Oak auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$661	$110
One Med/PIP claim	$661	$113
Not-at-fault accident	$668	$111
One comp claim	$682	$116
Two Med/PIP claims	$682	$114
Two comp claims	$703	$119
Failure to show documents	$778	$130
Child safety restraint	$862	$146
Driving without lights	$862	$144
Failure to wear a seat belt	$862	$146
Cell phone violation	$909	$152
Texting while driving	$909	$154
Speeding 6 - 10 MPH over limit	$916	$153
Driving with expired registration	$923	$157
Driving too slowly	$937	$157
Failure to stop at a red light	$937	$159
Failure to yield	$937	$157
Illegal turn	$937	$159
Open container	$937	$157
Operating a vehicle without permission	$937	$159
Wrong way/wrong lane	$937	$157
Speeding in school zone	$944	$160
At-fault accident - $1000-$2000	$951	$159
At-fault accident - less than $1000	$951	$161
In 65 MPH zone	$1006	$168
Speeding 11 - 15 MPH over limit	$1006	$171
Speeding 16 - 20 MPH over limit	$1006	$168
Speeding 21 - 25 MPH over limit	$1006	$171
Improper passing	$1027	$172
Following too closely	$1034	$176
At-fault accident - greater than $2000	$1109	$184
Passing school bus	$1261	$215
Reckless driving	$1275	$212
Driving with a suspended license	$1971	$335
Leaving scene of an accident/hit and run	$2770	$462
Refusal to submit to a chemical test	$2798	$476
DUI	$2805	$467
Racing	$2852	$485

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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 White Oak 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 White Oak.

The cheapest car insurance premiums in White Oak are offered by National General at $476 for a six-month policy. However, it can be as expensive as $1578 with companies like Farmers.

White Oak car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$476	$81
Progressive	$1530	$258
State Farm	$1702	$287
Erie	$1805	$304
Nationwide	$3384	$570
North Carolina Farm Bureau	$3734	$629
Allstate	$7179	$1209
Farm Bureau	$7711	$1285
Farmers	$1578	$263

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 White Oak are offered by North Carolina Farm Bureau at $220. However, it can be as expensive as $2405 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in White Oak after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$220	$37
National General	$462	$79
Erie	$469	$79
State Farm	$503	$85
Progressive	$523	$88
Nationwide	$944	$159
Farm Bureau	$1730	$288
Allstate	$2405	$408

Car Insurance Price Trends in White Oak, North Carolina

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

The average cost of full coverage in the White Oak remained steady at $132 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the White Oak remained steady at $64 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 White Oak?

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

What is the cheapest car insurance in White Oak?

The cheapest car insurance in White Oak is $79 per month for full coverage.

How much is car insurance in White Oak for teenagers?

Car insurance for teenagers costs $607 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 White Oak?

The average cost of car insurance is $902 for a six-month policy. It will cost around $176 per month to insure your car in White Oak.

Is car insurance expensive in White Oak?

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

Cheapest Car Insurance Quotes in White Oak

Why you can trust Way?

How Much Is Car Insurance in White Oak

Avg. Car Insurance in White Oak

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in White Oak

1st place: Erie

2nd place: Progressive

3rd place: State Farm

White Oak Car Insurance Rates by Company

Cheap Car Insurance Companies in White Oak, NC

Way's key takeaways about car insurance in White Oak

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in White Oak

Cheapest Liability Coverage in White Oak, NC

Cheapest Full Coverage Car Insurance in White Oak

Cheapest Full Coverage Car Insurance Quotes in White Oak, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in White Oak by Rating Factor

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

Car Insurance Premiums by Age in White Oak

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in White Oak,NC

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

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 White Oak

Cheapest Car Insurance Companies after an At-Fault Accident in White Oak

White Oak Car Insurance Rates by Violation

White Oak auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in White Oak after a DUI

White Oak car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in White Oak after Speeding ticket

Car Insurance Price Trends in White Oak, North Carolina

Average Car Insurance Cost in White Oak by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near White Oak, NC

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

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