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Finding the cheapest car insurance quotes in Wilsons Mills 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 Wilsons Mills
The car insurance rate in Wilsons Mills is $1001 for a six-month policy, which is $99 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $448, making it a popular choice for budget-conscious drivers. Rates in Wilsons Mills 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 $448 for a six
month policy, Erie offers
the cheapest
auto
insurance rates in the city.
2nd place: Progressive
Progressive offers auto
insurance rates at $534 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 $613
for six months, making it
the third cheapest auto insurance company in Wilsons Mills.
Wilsons Mills Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Wilsons Mills, NC is Erie, offering policies at just $448 for a six-month term. This is followed by Progressive, which has an average six-month premium of $534.
At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1279 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wilsons Mills drivers find the best deals.
Cheap Car Insurance Companies in Wilsons Mills, NC
Way's key takeaways about car insurance in Wilsons Mills
The auto insurance costs in Wilsons Mills fall around $448 for six
months.
The cheapest auto insurance company in Wilsons Mills is Erie.
Teen drivers pay the highest rate in Wilsons Mills at $68 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 Wilsons Mills
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 Wilsons Mills are given below.
Erie provides
the cheapest minimum car insurance
coverage in Wilsons Mills. Their Average 6 Month Premium is $198.
National Farmers Union Insurance is the most
expensive at $343 for the same
period.
Cheapest Full Coverage Car Insurance in Wilsons Mills
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 Wilsons Mills is Erie
at $75 per month and $448
for six months.
Cheapest Full Coverage Car Insurance Quotes in Wilsons Mills,
NC
Get Your Car Insurance Quote in Wilsons Mills
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Average Car Insurance in Wilsons Mills 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 Wilsons Mills, NC increasing?
Despite maintaining a clean driving record, your car insurance rates
in Wilsons Mills, 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, Wilsons Mills's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Wilsons Mills
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
$452
30s
North Carolina Farm Bureau
$452
40s
North Carolina Farm Bureau
$452
50s
North Carolina Farm Bureau
$452
60s
North Carolina Farm Bureau
$452
70s
North Carolina Farm Bureau
$452
Cheapest Car Insurance Rates for Teen Drivers in
Wilsons Mills,NC
If you are planning to get a car insurance policy for your teenage
dependent, Progressive provides the cheapest car
insurance in the Wilsons Mills at $98
per
month. At $395 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 Wilsons Mills.
As young drivers face the highest rates in Wilsons Mills, North Carolina Farm Bureau
offers the cheapest auto insurance rates at $452 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 Wilsons Mills,
North Carolina Farm Bureau is
the cheapest car insurance provider. At $198 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
Wilsons Mills is Allstate, offering
rates of around $3488 for six
months.
Save up to $971/yr on car insurance rates in Wilsons Mills.
Car Insurance Rates with An Accident in Wilsons Mills
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 Wilsons Mills, NC,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Wilsons Mills
The cheapest car insurance companies after an at-fault accident in
Wilsons Mills include Progressive
and Erie, offering $561
and $567,
respectively. Farmers is an expensive provider
with an average six-month premium of
$587.
Here is a list of driving violations that can increase your car
insurance rates in Wilsons Mills NC. For example, the car
insurance in Wilsons Mills
after a DUI increases to $2051 for a six
month policy. While the rate increases by $244 for a six-month policy in the case of
a speeding ticket.
Wilsons Mills auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$633
$105
One Med/PIP claim
$633
$108
Not-at-fault accident
$639
$107
One comp claim
$653
$111
Two Med/PIP claims
$653
$109
Two comp claims
$673
$114
Failure to show documents
$745
$124
Child safety restraint
$825
$140
Driving without lights
$825
$138
Failure to wear a seat belt
$825
$140
Cell phone violation
$870
$145
Texting while driving
$870
$148
Speeding 6 - 10 MPH over limit
$877
$147
Driving with expired registration
$884
$150
Driving too slowly
$897
$150
Failure to stop at a red light
$897
$152
Failure to yield
$897
$150
Illegal turn
$897
$152
Open container
$897
$150
Operating a vehicle without permission
$897
$152
Wrong way/wrong lane
$897
$150
Speeding in school zone
$904
$153
At-fault accident - $1000-$2000
$910
$152
At-fault accident - less than $1000
$910
$154
In 65 MPH zone
$962
$161
Speeding 11 - 15 MPH over limit
$962
$163
Speeding 16 - 20 MPH over limit
$962
$161
Speeding 21 - 25 MPH over limit
$962
$163
Improper passing
$982
$164
Following too closely
$989
$169
At-fault accident - greater than $2000
$1061
$176
Passing school bus
$1207
$205
Reckless driving
$1220
$203
Driving with a suspended license
$1886
$321
Leaving scene of an accident/hit and run
$2651
$442
Refusal to submit to a chemical test
$2677
$455
DUI
$2684
$447
Racing
$2729
$464
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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 Wilsons Mills 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 Wilsons Mills.
The cheapest car insurance premiums in
Wilsons Mills are
offered by National General at $455 for a six-month policy.
However, it can be as
expensive as $1510 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 Wilsons Mills are offered by North Carolina Farm Bureau
at $211. However,
it can be as expensive as $2301
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Wilsons Mills after Speeding ticket
Car Insurance Price Trends in Wilsons Mills,
North Carolina
Car insurance rates in Wilsons Mills have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Wilsons Mills remained steady at $127 in both November and October, indicating no change over the two month period.
The average cost of liability insurance in the Wilsons Mills remained steady at $61 in both November and October, indicating no change over the two month period.
Average Car Insurance Cost in Wilsons Mills 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
Wilsons Mills. At $N/A for a
six-month policy, insuring
your car at N/A 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 Wilsons Mills?
The car insurance in Wilsons Mills is $33 per month, which is lower than the national average.
What is the cheapest car insurance in Wilsons Mills?
The cheapest car insurance in Wilsons Mills
is $75 per month
for full coverage.
How much is car insurance in Wilsons Mills for teenagers?
Car insurance for teenagers costs $581 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
Wilsons Mills?
The average cost of car insurance is $902 for a six-month
policy. It will cost around $169 per month to insure your
car in Wilsons Mills.
Is car insurance expensive in Wilsons Mills?
Car insurance can be expensive in Wilsons Mills if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Wilsons Mills can be
affordable.
What is the best car insurance in Wilsons Mills,
NC?
The best car insurance company in Wilsons Mills
NC is
Erie, offering $448 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Wilsons Mills, NC
Car Insurance Rates by State in the USA (2025 Update)
Wilsons Mills Car Insurance
