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Finding the cheapest car insurance quotes in Willow Spring shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Willow Spring
The car insurance rate in Willow Spring is $947 for a six-month policy, which is $45 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $424, making it a popular choice for budget-conscious drivers. Rates in Willow Spring 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.
At $424 for a six
month policy, Erie offers
the cheapest
auto
insurance rates in the city.
2nd place: Progressive
Progressive offers auto
insurance rates at $505 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 $580
for six months, making it
the third cheapest auto insurance company in Willow Spring.
Willow Spring Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Willow Spring, NC is Erie, offering policies at just $424 for a six-month term. This is followed by Progressive, which has an average six-month premium of $505.
At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1210 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Willow Spring drivers find the best deals.
Cheap Car Insurance Companies in Willow Spring, NC
Way's key takeaways about car insurance in Willow Spring
The auto insurance costs in Willow Spring fall around $424 for six
months.
The cheapest auto insurance company in Willow Spring is Erie.
Teen drivers pay the highest rate in Willow Spring at $64 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Willow Spring
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 Willow Spring are given below.
Erie provides
the cheapest minimum car insurance
coverage in Willow Spring. Their Average 6 Month Premium is $187.
National Farmers Union Insurance is the most
expensive at $324 for the same
period.
Cheapest Full Coverage Car Insurance in Willow Spring
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 Willow Spring is Erie
at $71 per month and $424
for six months.
Cheapest Full Coverage Car Insurance Quotes in Willow Spring,
NC
Get Your Car Insurance Quote in Willow Spring
Instantly!
Average Car Insurance in Willow Spring 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 Willow Spring, NC increasing?
Despite maintaining a clean driving record, your car insurance rates
in Willow Spring, 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, Willow Spring's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Willow Spring
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
$427
30s
North Carolina Farm Bureau
$427
40s
North Carolina Farm Bureau
$427
50s
North Carolina Farm Bureau
$427
60s
North Carolina Farm Bureau
$427
70s
North Carolina Farm Bureau
$427
Cheapest Car Insurance Rates for Teen Drivers in
Willow Spring,NC
If you are planning to get a car insurance policy for your teenage
dependent, Progressive provides the cheapest car
insurance in the Willow Spring at $92
per
month. At $374 for a six-month premium,
National General offers the most expensive rate for
teen drivers.
If you are in your twenties North Carolina Farm Bureau is
the best choice for car
insurance in Willow Spring.
As young drivers face the highest rates in Willow Spring, North Carolina Farm Bureau
offers the cheapest auto insurance rates at $427 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 Willow Spring,
North Carolina Farm Bureau is
the cheapest car insurance provider. At $187 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
Willow Spring is Allstate, offering
rates of around $3299 for six
months.
Save up to $971/yr on car insurance rates in Willow Spring.
Car Insurance Rates with An Accident in Willow Spring
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 Willow Spring, NC,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Willow Spring
The cheapest car insurance companies after an at-fault accident in
Willow Spring include Progressive
and Erie, offering $530
and $537,
respectively. Farmers is an expensive provider
with an average six-month premium of
$555.
Here is a list of driving violations that can increase your car
insurance rates in Willow Spring NC. For example, the car
insurance in Willow Spring
after a DUI increases to $1940 for a six
month policy. While the rate increases by $231 for a six-month policy in the case of
a speeding ticket.
Willow Spring auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$599
$100
One Med/PIP claim
$599
$102
Not-at-fault accident
$605
$101
One comp claim
$617
$105
Two Med/PIP claims
$617
$103
Two comp claims
$636
$108
Failure to show documents
$705
$118
Child safety restraint
$780
$132
Driving without lights
$780
$130
Failure to wear a seat belt
$780
$132
Cell phone violation
$823
$138
Texting while driving
$823
$140
Speeding 6 - 10 MPH over limit
$830
$139
Driving with expired registration
$836
$142
Driving too slowly
$848
$142
Failure to stop at a red light
$848
$144
Failure to yield
$848
$142
Illegal turn
$848
$144
Open container
$848
$142
Operating a vehicle without permission
$848
$144
Wrong way/wrong lane
$848
$142
Speeding in school zone
$855
$145
At-fault accident - $1000-$2000
$861
$144
At-fault accident - less than $1000
$861
$146
In 65 MPH zone
$910
$152
Speeding 11 - 15 MPH over limit
$910
$154
Speeding 16 - 20 MPH over limit
$910
$152
Speeding 21 - 25 MPH over limit
$910
$154
Improper passing
$929
$155
Following too closely
$936
$160
At-fault accident - greater than $2000
$1004
$167
Passing school bus
$1141
$194
Reckless driving
$1154
$192
Driving with a suspended license
$1784
$303
Leaving scene of an accident/hit and run
$2507
$418
Refusal to submit to a chemical test
$2533
$431
DUI
$2539
$423
Racing
$2582
$439
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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 Willow Spring 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 Willow Spring.
The cheapest car insurance premiums in
Willow Spring are
offered by National General at $431 for a six-month policy.
However, it can be as
expensive as $1428 with companies
like Farmers.
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 Willow Spring are offered by North Carolina Farm Bureau
at $200. However,
it can be as expensive as $2177
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Willow Spring after Speeding ticket
Car Insurance Price Trends in Willow Spring,
North Carolina
Car insurance rates in Willow Spring have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Willow Spring remained steady at $120 in both November and October, indicating no change over the two month period.
The average cost of liability insurance in the Willow Spring remained steady at $58 in both November and October, indicating no change over the two month period.
Average Car Insurance Cost in Willow Spring by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Willow Spring. At $1894 for a
six-month policy, insuring
your car at 27592 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Willow Spring?
The car insurance in Willow Spring is $32 per month, which is lower than the national average.
What is the cheapest car insurance in Willow Spring?
The cheapest car insurance in Willow Spring
is $71 per month
for full coverage.
How much is car insurance in Willow Spring for teenagers?
Car insurance for teenagers costs $549 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
Willow Spring?
The average cost of car insurance is $902 for a six-month
policy. It will cost around $160 per month to insure your
car in Willow Spring.
Is car insurance expensive in Willow Spring?
Car insurance can be expensive in Willow Spring if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Willow Spring can be
affordable.
What is the best car insurance in Willow Spring,
NC?
The best car insurance company in Willow Spring
NC is
Erie, offering $424 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Willow Spring, NC
Car Insurance Rates by State in the USA (2025 Update)
Willow Spring Car Insurance
