Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in 28227, NC
We monitor insurance prices, helping the average driver in 28227 save up to 33.1% on car insurance.
The Cheapest Minimum Coverage in 28227
The chart below shows the cheapest car insurance company in 28227 for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Midvale Home & Auto, followed by Erie Insurance, Farm Bureau, and Progressive.
| 28227 Insurer | Monthly Cost |
|---|---|
| Midvale Home & Auto | $54 |
| Erie Insurance | $54 |
| Farm Bureau | $57 |
| Progressive | $61 |
Savings for Every Kind of 28227 Driver
Based on our extensive insurance data, we know the average 28227 driver will save about 19% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $271 per year by choosing the right vehicle insurance company. Some 28227 residents are paying out over $1,412 extra every year for auto insurance in 28227. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
28227, NC Savings / Yr. |
|---|---|
$271 |
|
$590 |
|
$429 |
|
$1,096 |
|
$813 |
|
$328 |
|
$491 |
28227 Car Insurance vs. North Carolina
People living in 28227 pay an average of 12.95% more than the typical driver in the state. The average driver in 28227 can expect to pay about $846 per year, or $1,412 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in 28227 for most people.
Car Insurance Prices by 28227 Neighborhood
Insurance Prices
Where is insurance cheapest within 28227?
The map shows insurance prices in and around 28227, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $308 per year within the zip boundaries, with insurance premiums ranging from a high of $1,559 to a low of $1,251. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southeast parts of 28227.Pick the Best Car Insurance Company for You in 28227
The best car insurance provider for most drivers in 28227
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $271 over the average 28227 car insurance company.
The best car insurance provider for 28227 drivers with accidents on their records
In our analysis, Erie Insurance saved the average person who had been in an accident the most, with annual savings averaging $590 over the competition.
The best car insurance company for 28227 drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $429 better than other car insurance companies.
The best auto insurance for 28227 drivers with a DUI conviction
Getting a quote from Kemper may cost the average person with a DUI about $1,096 less each year.
The least expensive car insurance company for new and young drivers in 28227
In 28227, State Farm costs young drivers $813 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 28227
Erie Insurance gave the largest car insurance discounts to married couples, averaging $328 saved each year compared to an average 28227 couple's premiums.
The cheapest car insurance in 28227 for drivers with bad credit
The best 28227 car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in 28227, which was better than other insurers.
The cheapest large national provider in 28227
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average 28227 driver can expect to pay about $87 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In 28227, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around 28227
What Influences the Cost of Car Insurance in 28227?
On average, car insurance in 28227 is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the zip are influenced by the following factors:
- The average commute time in 28227 is 35 minutes, which is a little more than average for a driver in the state.
- North Carolina state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in 28227 are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- 28227 is a lightly populated area in the state. The zip’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in 28227 is $71 per month for minimum coverage and $118 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Zip Codes
- 28212: Insurance costs 5.10% more
- 28215: Insurance costs 5.88% more
- 28105: Insurance costs 6.16% less
- 28205: Insurance costs 2.27% more
- 28211: Insurance costs 6.73% less
- 28270: Insurance costs 7.65% less
- 28213: Insurance costs 3.47% more
- 28079: Insurance costs 9.63% less
- 28207: Insurance costs 9.63% less
- 28204: Insurance costs 6.44% less
Zip Codes with Similar Populations
- 85033: Insurance costs 46.39% more
- 32771: Insurance costs 88.31% more
- 32837: Insurance costs 101.49% more
- 33511: Insurance costs 107.44% more
- 35242: Insurance costs 12.82% more
- 38654: Insurance costs 25.42% more
- 45044: Insurance costs 18.70% less
- 45601: Insurance costs 19.69% less
- 55124: Insurance costs 19.83% more
- 60638: Insurance costs 31.80% more