Best Hillsborough, North Carolina Auto Insurance in 2024
The average Hillsborough, NC auto insurance rates are $260 per month. The minimum auto insurance in Hillsborough is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Hillsborough, North Carolina, compare quotes from multiple companies.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Sep 10, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 10, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The minimum auto insurance required in Hillsborough, North Carolina is 30/60/25
- Average auto insurance rates in Hillsborough, NC for senior drivers are $2,354 per year
- The most expensive auto insurance company in Hillsborough for teen drivers is Allstate
Hillsborough, North Carolina auto insurance requirements are 30/60/25 according to North Carolina auto insurance laws. Finding cheap auto insurance in Hillsborough can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Hillsborough, North Carolina, including driving record, credit, commute time, and more.
Compare auto insurance in Hillsborough to other North Carolina cities, including Greensboro auto insurance rates, Cary auto insurance rates, and Raleigh auto insurance rates to see how Hillsborough, North Carolina auto insurance rates stack up.
Before you buy Hillsborough, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Hillsborough, North Carolina auto insurance quotes.
Minimum Auto Insurance in Hillsborough, North Carolina
Hillsborough, North Carolina auto insurance laws require that you have at least the North Carolina minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Hillsborough, North Carolina.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Hillsborough, North Carolina Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Hillsborough, North Carolina are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $5,171 | $5,171 | $4,247 | $4,247 | $12,341 | $12,341 | $5,273 | $5,273 |
| Geico | $2,423 | $2,376 | $2,380 | $2,335 | $4,417 | $4,378 | $2,115 | $2,102 |
| Liberty Mutual | $1,683 | $1,683 | $1,742 | $1,742 | $2,926 | $2,926 | $1,683 | $1,683 |
| Nationwide | $2,241 | $2,241 | $2,241 | $2,241 | $3,744 | $3,744 | $2,241 | $2,241 |
| Progressive | $1,615 | $1,615 | $1,456 | $1,456 | $3,771 | $3,771 | $1,806 | $1,806 |
| State Farm | $2,285 | $2,285 | $1,976 | $1,976 | $3,362 | $3,362 | $2,824 | $2,824 |
| Travelers | $2,478 | $2,478 | $2,458 | $2,458 | $4,143 | $4,143 | $2,544 | $2,544 |
Cheap Hillsborough, North Carolina Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Hillsborough, North Carolina is a challenge. Take a look at the annual teen auto insurance rates in Hillsborough, North Carolina.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $12,341 | $12,341 |
| Geico | $4,417 | $4,378 |
| Liberty Mutual | $2,926 | $2,926 |
| Nationwide | $3,744 | $3,744 |
| Progressive | $3,771 | $3,771 |
| State Farm | $3,362 | $3,362 |
| Travelers | $4,143 | $4,143 |
Cheap Hillsborough, North Carolina Auto Insurance for Seniors
What are senior auto insurance rates in Hillsborough, North Carolina? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,247 | $4,247 |
| Geico | $2,380 | $2,335 |
| Liberty Mutual | $1,742 | $1,742 |
| Nationwide | $2,241 | $2,241 |
| Progressive | $1,456 | $1,456 |
| State Farm | $1,976 | $1,976 |
| Travelers | $2,458 | $2,458 |
Cheap Hillsborough, North Carolina Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Hillsborough, North Carolina compared to the annual auto insurance rates with a clean record in Hillsborough, North Carolina.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,654 | $6,436 | $11,995 | $4,946 |
| Geico | $1,549 | $2,266 | $5,348 | $2,099 |
| Liberty Mutual | $1,193 | $1,535 | $3,771 | $1,535 |
| Nationwide | $1,534 | $1,988 | $4,958 | $1,988 |
| Progressive | $1,018 | $1,488 | $4,702 | $1,441 |
| State Farm | $1,407 | $2,014 | $5,012 | $2,014 |
| Travelers | $1,727 | $2,264 | $5,402 | $2,231 |
Cheap Hillsborough, North Carolina Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Hillsborough, North Carolina is not easy. Compare the annual rates for DUI auto insurance in Hillsborough, North Carolina to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $11,995 |
| Geico | $5,348 |
| Liberty Mutual | $3,771 |
| Nationwide | $4,958 |
| Progressive | $4,702 |
| State Farm | $5,012 |
| Travelers | $5,402 |
Cheap Hillsborough, North Carolina Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Hillsborough, North Carolina annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $9,155 | $5,934 | $5,185 |
| Geico | $3,055 | $2,801 | $2,591 |
| Liberty Mutual | $2,008 | $2,008 | $2,008 |
| Nationwide | $2,617 | $2,617 | $2,617 |
| Progressive | $2,459 | $2,108 | $1,919 |
| State Farm | $3,669 | $2,345 | $1,822 |
| Travelers | $3,102 | $2,823 | $2,792 |
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Cheap Hillsborough, North Carolina Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Hillsborough, North Carolina can vary. Compare the annual cost of auto insurance by ZIP code in Hillsborough, North Carolina to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 27278 | $2,835 |
Cheap Hillsborough, North Carolina Auto Insurance Rates By Commute
Commute length and annual mileage affect Hillsborough, North Carolina auto insurance. Find the cheapest annual Hillsborough, North Carolina auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $6,758 | $6,758 |
| Geico | $2,816 | $2,816 |
| Liberty Mutual | $2,008 | $2,008 |
| Nationwide | $2,617 | $2,617 |
| Progressive | $2,162 | $2,162 |
| State Farm | $2,596 | $2,628 |
| Travelers | $2,906 | $2,906 |
Cheap Hillsborough, North Carolina Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Hillsborough, North Carolina? Check out the comparison of annual Hillsborough, North Carolina auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,536 | $6,736 | $7,002 |
| Geico | $2,698 | $2,806 | $2,944 |
| Liberty Mutual | $1,916 | $1,996 | $2,113 |
| Nationwide | $2,515 | $2,604 | $2,732 |
| Progressive | $2,057 | $2,149 | $2,281 |
| State Farm | $2,520 | $2,599 | $2,716 |
| Travelers | $2,790 | $2,891 | $3,037 |
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Best By Category: Cheapest Auto Insurance in Hillsborough, North Carolina
Compare the cheapest auto insurance companies in Hillsborough, North Carolina in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Liberty Mutual |
| Seniors | Progressive |
| Clean Record | Progressive |
| With 1 Accident | Progressive |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | Progressive |
The Cheapest Hillsborough, North Carolina Auto Insurance Companies
What auto insurance companies in Hillsborough, North Carolina are the cheapest? Compare the top Hillsborough, North Carolina auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,758 |
| Geico | $2,816 |
| Liberty Mutual | $2,008 |
| Nationwide | $2,617 |
| Progressive | $2,162 |
| State Farm | $2,612 |
| Travelers | $2,906 |
What affects auto insurance rates in Hillsborough, North Carolina?
There are a lot of reasons why auto insurance rates in Hillsborough, North Carolina are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Hillsborough, North Carolina. Many local factors may affect your Hillsborough auto insurance rates.
Hillsborough Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Hillsborough, North Carolina commute length is 25.6 minutes according to City-Data.
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Compare Hillsborough, North Carolina Auto Insurance Quotes
Before you buy Hillsborough, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Hillsborough, North Carolina auto insurance quotes.
Frequently Asked Questions
Is auto insurance mandatory in Hillsborough, NC?
Yes, auto insurance is mandatory in Hillsborough, NC, as it is in most states. North Carolina law requires drivers to have liability insurance, which covers injuries or damages to other parties in an accident caused by the insured driver.
What are the minimum auto insurance requirements in Hillsborough, NC?
In Hillsborough, NC, the minimum auto insurance requirements are as follows: $30,000 bodily injury liability coverage per person, $60,000 bodily injury liability coverage per accident, and $25,000 property damage liability coverage per accident.
How are auto insurance premiums determined in Hillsborough, NC?
Auto insurance premiums in Hillsborough, NC are typically determined based on several factors, including your driving record, age, gender, location, type of vehicle, coverage limits, deductibles, and any applicable discounts. Insurance companies assess the risk associated with insuring you and use these factors to calculate your premium.
Are there any discounts available on auto insurance in Hillsborough, NC?
Yes, insurance companies often offer various discounts that can help you save on auto insurance premiums in Hillsborough, NC. Common discounts include safe driver discounts, multi-vehicle discounts, bundling home and auto insurance, good student discounts, and discounts for certain safety features installed in your vehicle. It’s advisable to check with different insurance providers to see what discounts they offer.
What should I do if I’m involved in a car accident in Hillsborough, NC?
If you’re involved in a car accident in Hillsborough, NC, follow these steps:
- Ensure your safety and the safety of others involved.
- Call the police to report the accident.
- Exchange information with the other driver(s) involved, including names, contact details, insurance information, and vehicle information.
- Document the accident scene by taking photos and gathering witness statements, if possible.
- Notify your insurance company and provide them with all the necessary information.
- Seek medical attention if you’re injured.
- Cooperate with your insurance company and follow their instructions throughout the claims process.
Can my auto insurance policy be canceled or non-renewed in Hillsborough, NC?
Yes, your auto insurance policy can be canceled or non-renewed in Hillsborough, NC under certain circumstances. Insurance companies may choose not to renew your policy at the end of the term or cancel it during the policy period if you fail to pay premiums, provide false information, or if your driving record becomes too risky. However, they must provide you with proper notice before taking such actions.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.