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 Black Mountain, NC
We monitor insurance prices, helping the average driver in Black Mountain save up to 33.1% on car insurance.
The Cheapest Minimum Coverage in Black Mountain
The chart below shows the cheapest car insurance company in Black Mountain 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.
| Black Mountain Insurer | Monthly Cost |
|---|---|
| Midvale Home & Auto | $45 |
| Erie Insurance | $46 |
| Farm Bureau | $48 |
| Progressive | $51 |
Savings for Every Kind of Black Mountain Driver
Based on our extensive insurance data, we know the average Black Mountain 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 $228 per year by choosing the right vehicle insurance company. Some Black Mountain residents are paying out over $1,189 extra every year for auto insurance in Black Mountain. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Black Mountain, NC Savings / Yr. |
|---|---|
$228 |
|
$497 |
|
$361 |
|
$923 |
|
$685 |
|
$276 |
|
$414 |
Black Mountain Car Insurance vs. North Carolina
People living in Black Mountain pay an average of 4.88% less than the typical driver in the state. The average driver in Black Mountain can expect to pay about $712 per year, or $1,189 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Black Mountain for most people.
Car Insurance Prices by Black Mountain Neighborhood
Insurance Prices
Where is insurance cheapest within Black Mountain?
The map shows insurance prices in and around Black Mountain, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $78 per year within the city boundaries, with insurance premiums ranging from a high of $1,241 to a low of $1,163. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the West parts of Black Mountain.Pick the Best Car Insurance Company for You in Black Mountain
The best car insurance provider for most drivers in Black Mountain
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $228 over the average Black Mountain car insurance company.
The best car insurance provider for Black Mountain 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 $497 over the competition.
The best car insurance company for Black Mountain drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $361 better than other car insurance companies.
The best auto insurance for Black Mountain drivers with a DUI conviction
Getting a quote from Kemper may cost the average person with a DUI about $923 less each year.
The least expensive car insurance company for new and young drivers in Black Mountain
In Black Mountain, State Farm costs young drivers $685 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Black Mountain
Erie Insurance gave the largest car insurance discounts to married couples, averaging $276 saved each year compared to an average Black Mountain couple's premiums.
The cheapest car insurance in Black Mountain for drivers with bad credit
The best Black Mountain car insurance company for customer service
Nationwide was the best company for customer service in Black Mountain according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Black Mountain, which was better than other insurers.
The cheapest large national provider in Black Mountain
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Black Mountain 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 Black Mountain, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Black Mountain
What Influences the Cost of Car Insurance in Black Mountain?
On average, car insurance in Black Mountain is actually less expensive than the rest of the state. These low 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 city are influenced by the following factors:
- The average commute time in Black Mountain is 25 minutes, which is far less than average for a driver in the state.
- North Carolina state insurance regulations may allow for lower prices.
- An average of 3 to 4 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Black Mountain are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
- Black Mountain has an average population density in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Black Mountain is $59 per month for minimum coverage and $99 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 Cities
- Ridgecrest: Insurance costs 1.60% more
- Montreat: Insurance costs 0.08% more
- Graphite: Insurance costs 1.18% more
- Swannanoa: Insurance costs 0.93% less
- Summerhaven: Insurance costs 2.86% less
- Fairview: Insurance costs the same
- Gerton: Insurance costs 0.50% less
- Old Fort: Insurance costs 3.53% more
- Moffitt Hill: Insurance costs 1.18% more
- Dillingham: Insurance costs 0.50% more
Cities with Similar Populations
- Frostburg: Insurance costs 49.29% more
- Woodmoor: Insurance costs 64.84% more
- Dobbs Ferry: Insurance costs 120.10% more
- Dowagiac: Insurance costs 133.39% more
- Ellettsville: Insurance costs 2.69% less
- Elwood: Insurance costs 1.93% more
- Fort Salonga: Insurance costs 118.42% more
- Fort Scott: Insurance costs 30.03% more
- Fox Lake: Insurance costs 26.58% more
- Woods Cross: Insurance costs 20.35% more