Cheapest Car Insurance Quotes in Wrightsville Beach

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Wrightsville Beach Car Insurance

^$ 29

/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 Wrightsville Beach

The car insurance rate in Wrightsville Beach is $884 for a six-month policy, which is $18 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $396, making it a popular choice for budget-conscious drivers. Rates in Wrightsville Beach 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 Wrightsville Beach

$884

Avg. Car Insurance in North Carolina

$902

National Average

$1128

Cheapest Car Insurance Companies in Wrightsville Beach

1st place: Erie

At $396 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $471 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 $541 for six months, making it the third cheapest auto insurance company in Wrightsville Beach.

Wrightsville Beach Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wrightsville Beach, NC is Erie, offering policies at just $396 for a six-month term. This is followed by Progressive, which has an average six-month premium of $471.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1129 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wrightsville Beach drivers find the best deals.

Cheap Car Insurance Companies in Wrightsville Beach, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$396	$67
Progressive	$471	$79
State Farm	$541	$91
North Carolina Farm Bureau	$640	$108
Nationwide	$832	$140
Farm Bureau	$1095	$186
Farmers	$1117	$186
Kemper	$1228	$209
Allstate	$1397	$235
Penn National	$1129	$188

Key Takeaways

Way's key takeaways about car insurance in Wrightsville Beach

The auto insurance costs in Wrightsville Beach fall around $396 for six months.
The cheapest auto insurance company in Wrightsville Beach is Erie.
Teen drivers pay the highest rate in Wrightsville Beach at $60 per month.

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Cheapest Minimum Liability Car Insurance in Wrightsville Beach

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 Wrightsville Beach are given below.

Erie provides the cheapest minimum car insurance coverage in Wrightsville Beach. Their Average 6 Month Premium is $174. National Farmers Union Insurance is the most expensive at $303 for the same period.

Cheapest Liability Coverage in Wrightsville Beach, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$174	$29
State Farm	$239	$40
Progressive	$250	$42
North Carolina Farm Bureau	$273	$46
Nationwide	$343	$58
National General	$355	$59
Penn National	$384	$66
Farm Bureau	$559	$93
Allstate	$612	$103
National Farmers Union Insurance	$303	$50

Cheapest Full Coverage Car Insurance in Wrightsville Beach

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 Wrightsville Beach is Erie at $67 per month and $396 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wrightsville Beach, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$396	$67
Progressive	$471	$79
State Farm	$541	$91
North Carolina Farm Bureau	$640	$108
Nationwide	$832	$140
Farm Bureau	$1095	$186
Farmers	$1117	$186
Kemper	$1228	$209
Allstate	$1397	$235
Penn National	$1129	$188

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Average Car Insurance in Wrightsville Beach 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 Wrightsville Beach, NC increasing?

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

Car Insurance Premiums by Age in Wrightsville Beach

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	$399
30s	North Carolina Farm Bureau	$399
40s	North Carolina Farm Bureau	$399
50s	North Carolina Farm Bureau	$399
60s	North Carolina Farm Bureau	$399
70s	North Carolina Farm Bureau	$399

Cheapest Car Insurance Rates for Teen Drivers in Wrightsville Beach,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Wrightsville Beach at $86 per month. At $349 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$513	$86
State Farm	$663	$112
Erie	$669	$113
North Carolina Farm Bureau	$1170	$197
Nationwide	$2532	$422
Allstate	$3062	$520
Penn National	$338	$56
National General	$349	$60

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 Wrightsville Beach.

As young drivers face the highest rates in Wrightsville Beach, North Carolina Farm Bureau offers the cheapest auto insurance rates at $399 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 Wrightsville Beach, North Carolina Farm Bureau is the cheapest car insurance provider. At $174 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 Wrightsville Beach is Allstate, offering rates of around $3079 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$174	$29
National General	$303	$50
Progressive	$326	$55
Erie	$378	$64
Nationwide	$751	$126
State Farm	$1293	$218
Farm Bureau	$1479	$252
Allstate	$3079	$514

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Car Insurance Rates with An Accident in Wrightsville Beach

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

Cheapest Car Insurance Companies after an At-Fault Accident in Wrightsville Beach

The cheapest car insurance companies after an at-fault accident in Wrightsville Beach include Progressive and Erie, offering $495 and $501, respectively. Farmers is an expensive provider with an average six-month premium of $518.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$495	$83
Erie	$501	$84
State Farm	$559	$94
North Carolina Farm Bureau	$768	$129
Nationwide	$1380	$232
Farm Bureau	$1740	$296
Allstate	$2631	$443
Penn National	$483	$82
Farmers	$518	$86

Wrightsville Beach Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wrightsville Beach NC. For example, the car insurance in Wrightsville Beach after a DUI increases to $1811 for a six month policy. While the rate increases by $215 for a six-month policy in the case of a speeding ticket.

Wrightsville Beach auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$559	$93
One Med/PIP claim	$559	$95
Not-at-fault accident	$564	$94
One comp claim	$576	$98
Two Med/PIP claims	$576	$96
Two comp claims	$594	$101
Failure to show documents	$658	$110
Child safety restraint	$728	$123
Driving without lights	$728	$122
Failure to wear a seat belt	$728	$123
Cell phone violation	$768	$128
Texting while driving	$768	$130
Speeding 6 - 10 MPH over limit	$774	$129
Driving with expired registration	$780	$132
Driving too slowly	$792	$132
Failure to stop at a red light	$792	$134
Failure to yield	$792	$132
Illegal turn	$792	$134
Open container	$792	$132
Operating a vehicle without permission	$792	$134
Wrong way/wrong lane	$792	$132
Speeding in school zone	$798	$135
At-fault accident - $1000-$2000	$804	$134
At-fault accident - less than $1000	$804	$136
In 65 MPH zone	$850	$142
Speeding 11 - 15 MPH over limit	$850	$144
Speeding 16 - 20 MPH over limit	$850	$142
Speeding 21 - 25 MPH over limit	$850	$144
Improper passing	$867	$145
Following too closely	$873	$149
At-fault accident - greater than $2000	$937	$156
Passing school bus	$1065	$181
Reckless driving	$1077	$179
Driving with a suspended license	$1665	$283
Leaving scene of an accident/hit and run	$2340	$390
Refusal to submit to a chemical test	$2364	$402
DUI	$2370	$395
Racing	$2410	$410

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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 Wrightsville Beach 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 Wrightsville Beach.

The cheapest car insurance premiums in Wrightsville Beach are offered by National General at $402 for a six-month policy. However, it can be as expensive as $1333 with companies like Farmers.

Wrightsville Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$402	$69
Progressive	$1293	$218
State Farm	$1438	$242
Erie	$1525	$257
Nationwide	$2859	$481
North Carolina Farm Bureau	$3155	$531
Allstate	$6065	$1021
Farm Bureau	$6514	$1086
Farmers	$1333	$222

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 Wrightsville Beach are offered by North Carolina Farm Bureau at $186. However, it can be as expensive as $2032 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Wrightsville Beach after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$186	$31
National General	$390	$67
Erie	$396	$67
State Farm	$425	$72
Progressive	$442	$74
Nationwide	$798	$134
Farm Bureau	$1461	$243
Allstate	$2032	$345

Car Insurance Price Trends in Wrightsville Beach, North Carolina

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

The average cost of full coverage in the Wrightsville Beach rose by $112 in October compared to $110 of September. In other words, there has been an increase by $2 when you compare October and September.

The average cost of liability insurance in the Wrightsville Beach rose to $54 in October, compared to $52 in September. This represents an increase of $2 when comparing October and September.

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Frequently Asked Questions

How much is car insurance in Wrightsville Beach?

The car insurance in Wrightsville Beach is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Wrightsville Beach?

The cheapest car insurance in Wrightsville Beach is $67 per month for full coverage.

How much is car insurance in Wrightsville Beach for teenagers?

Car insurance for teenagers costs $513 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 Wrightsville Beach?

The average cost of car insurance is $902 for a six-month policy. It will cost around $149 per month to insure your car in Wrightsville Beach.

Is car insurance expensive in Wrightsville Beach?

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

Cheapest Car Insurance Quotes in Wrightsville Beach

Why you can trust Way?

How Much Is Car Insurance in Wrightsville Beach

Avg. Car Insurance in Wrightsville Beach

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Wrightsville Beach

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Wrightsville Beach Car Insurance Rates by Company

Cheap Car Insurance Companies in Wrightsville Beach, NC

Way's key takeaways about car insurance in Wrightsville Beach

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Wrightsville Beach

Cheapest Liability Coverage in Wrightsville Beach, NC

Cheapest Full Coverage Car Insurance in Wrightsville Beach

Cheapest Full Coverage Car Insurance Quotes in Wrightsville Beach, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Wrightsville Beach by Rating Factor

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

Car Insurance Premiums by Age in Wrightsville Beach

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Wrightsville Beach,NC

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

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 Wrightsville Beach

Cheapest Car Insurance Companies after an At-Fault Accident in Wrightsville Beach

Wrightsville Beach Car Insurance Rates by Violation

Wrightsville Beach auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Wrightsville Beach after a DUI

Wrightsville Beach car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Wrightsville Beach after Speeding ticket

Car Insurance Price Trends in Wrightsville Beach, North Carolina

Average Car Insurance Cost in Wrightsville Beach by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Wrightsville Beach, NC

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

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