Cheapest Car Insurance Quotes in Wingate

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Wingate Car Insurance

^$ 36

/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 Wingate

The car insurance rate in Wingate is $1073 for a six-month policy, which is $171 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $481, making it a popular choice for budget-conscious drivers. Rates in Wingate 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 Wingate

$1073

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Wingate

1st place: Erie

At $481 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $572 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 $657 for six months, making it the third cheapest auto insurance company in Wingate.

Wingate Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wingate, NC is Erie, offering policies at just $481 for a six-month term. This is followed by Progressive, which has an average six-month premium of $572.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1371 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wingate drivers find the best deals.

Cheap Car Insurance Companies in Wingate, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$481	$81
Progressive	$572	$96
State Farm	$657	$111
North Carolina Farm Bureau	$777	$131
Nationwide	$1010	$170
Farm Bureau	$1329	$226
Farmers	$1357	$226
Kemper	$1491	$253
Allstate	$1697	$286
Penn National	$1371	$228

Key Takeaways

Way's key takeaways about car insurance in Wingate

The auto insurance costs in Wingate fall around $481 for six months.
The cheapest auto insurance company in Wingate is Erie.
Teen drivers pay the highest rate in Wingate at $73 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in Wingate

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 Wingate are given below.

Erie provides the cheapest minimum car insurance coverage in Wingate. Their Average 6 Month Premium is $212. National Farmers Union Insurance is the most expensive at $368 for the same period.

Cheapest Liability Coverage in Wingate, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$212	$36
State Farm	$290	$49
Progressive	$303	$51
North Carolina Farm Bureau	$332	$56
Nationwide	$417	$70
National General	$431	$71
Penn National	$466	$80
Farm Bureau	$678	$113
Allstate	$743	$125
National Farmers Union Insurance	$368	$61

Cheapest Full Coverage Car Insurance in Wingate

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 Wingate is Erie at $81 per month and $481 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wingate, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$481	$81
Progressive	$572	$96
State Farm	$657	$111
North Carolina Farm Bureau	$777	$131
Nationwide	$1010	$170
Farm Bureau	$1329	$226
Farmers	$1357	$226
Kemper	$1491	$253
Allstate	$1697	$286
Penn National	$1371	$228

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Average Car Insurance in Wingate 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 Wingate, NC increasing?

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

Car Insurance Premiums by Age in Wingate

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	$484
30s	North Carolina Farm Bureau	$484
40s	North Carolina Farm Bureau	$484
50s	North Carolina Farm Bureau	$484
60s	North Carolina Farm Bureau	$484
70s	North Carolina Farm Bureau	$484

Cheapest Car Insurance Rates for Teen Drivers in Wingate,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Wingate at $105 per month. At $424 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$622	$105
State Farm	$806	$136
Erie	$813	$137
North Carolina Farm Bureau	$1421	$239
Nationwide	$3075	$513
Allstate	$3718	$632
Penn National	$411	$68
National General	$424	$73

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 Wingate.

As young drivers face the highest rates in Wingate, North Carolina Farm Bureau offers the cheapest auto insurance rates at $484 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 Wingate, North Carolina Farm Bureau is the cheapest car insurance provider. At $212 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 Wingate is Allstate, offering rates of around $3739 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$212	$36
National General	$368	$61
Progressive	$396	$67
Erie	$459	$77
Nationwide	$912	$154
State Farm	$1570	$264
Farm Bureau	$1796	$306
Allstate	$3739	$624

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

Car Insurance Rates with An Accident in Wingate

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

Cheapest Car Insurance Companies after an At-Fault Accident in Wingate

The cheapest car insurance companies after an at-fault accident in Wingate include Progressive and Erie, offering $601 and $608, respectively. Farmers is an expensive provider with an average six-month premium of $630.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$601	$101
Erie	$608	$102
State Farm	$678	$114
North Carolina Farm Bureau	$933	$157
Nationwide	$1676	$282
Farm Bureau	$2113	$359
Allstate	$3195	$538
Penn National	$587	$100
Farmers	$630	$105

Wingate Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wingate NC. For example, the car insurance in Wingate after a DUI increases to $2199 for a six month policy. While the rate increases by $262 for a six-month policy in the case of a speeding ticket.

Wingate auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$678	$113
One Med/PIP claim	$678	$115
Not-at-fault accident	$685	$114
One comp claim	$700	$119
Two Med/PIP claims	$700	$117
Two comp claims	$721	$123
Failure to show documents	$798	$133
Child safety restraint	$884	$150
Driving without lights	$884	$148
Failure to wear a seat belt	$884	$150
Cell phone violation	$933	$156
Texting while driving	$933	$158
Speeding 6 - 10 MPH over limit	$940	$157
Driving with expired registration	$947	$161
Driving too slowly	$962	$161
Failure to stop at a red light	$962	$163
Failure to yield	$962	$161
Illegal turn	$962	$163
Open container	$962	$161
Operating a vehicle without permission	$962	$163
Wrong way/wrong lane	$962	$161
Speeding in school zone	$969	$164
At-fault accident - $1000-$2000	$976	$163
At-fault accident - less than $1000	$976	$165
In 65 MPH zone	$1032	$173
Speeding 11 - 15 MPH over limit	$1032	$175
Speeding 16 - 20 MPH over limit	$1032	$173
Speeding 21 - 25 MPH over limit	$1032	$175
Improper passing	$1053	$176
Following too closely	$1060	$181
At-fault accident - greater than $2000	$1138	$189
Passing school bus	$1294	$220
Reckless driving	$1308	$218
Driving with a suspended license	$2022	$344
Leaving scene of an accident/hit and run	$2842	$474
Refusal to submit to a chemical test	$2870	$488
DUI	$2877	$480
Racing	$2926	$497

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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 Wingate 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 Wingate.

The cheapest car insurance premiums in Wingate are offered by National General at $488 for a six-month policy. However, it can be as expensive as $1618 with companies like Farmers.

Wingate car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$488	$83
Progressive	$1570	$264
State Farm	$1746	$294
Erie	$1852	$312
Nationwide	$3471	$584
North Carolina Farm Bureau	$3831	$645
Allstate	$7365	$1240
Farm Bureau	$7910	$1319
Farmers	$1618	$270

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 Wingate are offered by North Carolina Farm Bureau at $226. However, it can be as expensive as $2467 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Wingate after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$226	$38
National General	$474	$81
Erie	$481	$81
State Farm	$516	$87
Progressive	$537	$90
Nationwide	$969	$163
Farm Bureau	$1774	$295
Allstate	$2467	$419

Car Insurance Price Trends in Wingate, North Carolina

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

The average cost of full coverage in the Wingate remained steady at $136 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Wingate remained steady at $65 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 Wingate?

The car insurance in Wingate is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Wingate?

The cheapest car insurance in Wingate is $81 per month for full coverage.

How much is car insurance in Wingate for teenagers?

Car insurance for teenagers costs $622 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 Wingate?

The average cost of car insurance is $902 for a six-month policy. It will cost around $181 per month to insure your car in Wingate.

Is car insurance expensive in Wingate?

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

Cheapest Car Insurance Quotes in Wingate

Why you can trust Way?

How Much Is Car Insurance in Wingate

Avg. Car Insurance in Wingate

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Wingate

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Wingate Car Insurance Rates by Company

Cheap Car Insurance Companies in Wingate, NC

Way's key takeaways about car insurance in Wingate

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Wingate

Cheapest Liability Coverage in Wingate, NC

Cheapest Full Coverage Car Insurance in Wingate

Cheapest Full Coverage Car Insurance Quotes in Wingate, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Wingate by Rating Factor

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

Car Insurance Premiums by Age in Wingate

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Wingate,NC

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

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 Wingate

Cheapest Car Insurance Companies after an At-Fault Accident in Wingate

Wingate Car Insurance Rates by Violation

Wingate auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Wingate after a DUI

Wingate car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Wingate after Speeding ticket

Car Insurance Price Trends in Wingate, North Carolina

Average Car Insurance Cost in Wingate by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Wingate, NC

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

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