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Get Cheap Car Insurance in Chapel Hill, NC
We monitor insurance prices, helping the average driver in the Chapel Hill area save up to 33.1% on car insurance.
The Cheapest Minimum Coverage in Chapel Hill
The chart below shows the cheapest car insurance company in Chapel Hill 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.
| Chapel Hill Insurer | Monthly Cost |
|---|---|
| Midvale Home & Auto | $49 |
| Erie Insurance | $50 |
| Farm Bureau | $53 |
| Progressive | $56 |
Savings for Every Kind of Chapel Hill Driver
Based on our extensive insurance data, we know the average Chapel Hill 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 $249 per year by choosing the right vehicle insurance company. Some Chapel Hill residents are paying out over $1,297 extra every year for auto insurance in Chapel Hill. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Chapel Hill, NC Savings / Yr. |
|---|---|
$249 |
|
$541 |
|
$394 |
|
$1,006 |
|
$747 |
|
$301 |
|
$451 |
Chapel Hill Car Insurance vs. North Carolina
People living in Chapel Hill pay an average of 3.73% more than the typical driver in the state. The average driver in Chapel Hill can expect to pay about $777 per year, or $1,297 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Chapel Hill for most people.
Car Insurance Prices by Chapel Hill Neighborhood
Insurance Prices
Where is insurance cheapest within Chapel Hill?
The map shows insurance prices in and around Chapel Hill, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $235 per year within the city boundaries, with insurance premiums ranging from a high of $1,398 to a low of $1,163. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Northwest parts of Chapel Hill.Pick the Best Car Insurance Company for You in Chapel Hill
The best car insurance provider for most drivers in Chapel Hill
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $249 over the average Chapel Hill car insurance company.
The best car insurance provider for Chapel Hill 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 $541 over the competition.
The best car insurance company for Chapel Hill drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $394 better than other car insurance companies.
The best auto insurance for Chapel Hill drivers with a DUI conviction
Getting a quote from Kemper may cost the average person with a DUI about $1,006 less each year.
The least expensive car insurance company for new and young drivers in Chapel Hill
In Chapel Hill, State Farm costs young drivers $747 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Chapel Hill
Erie Insurance gave the largest car insurance discounts to married couples, averaging $301 saved each year compared to an average Chapel Hill couple's premiums.
The cheapest car insurance in Chapel Hill for drivers with bad credit
The best Chapel Hill car insurance company for customer service
Nationwide was the best company for customer service in Chapel Hill according to the NAIC.
Recent price drops
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The cheapest large national provider in Chapel Hill
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Chapel Hill 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 Chapel Hill, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Chapel Hill
What Influences the Cost of Car Insurance in Chapel Hill?
On average, car insurance in Chapel Hill 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 city are influenced by the following factors:
- 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 the Chapel Hill area 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.
- Chapel Hill is one of the most densely populated areas 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 Chapel Hill is $65 per month for minimum coverage and $108 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
- Carrboro: Insurance costs 0.69% less
- Durham: Insurance costs 3.08% more
- Orange Grove: Insurance costs 7.94% less
- Hillsborough: Insurance costs 6.63% less
- Morrisville: Insurance costs 1.77% less
- Saxapahaw: Insurance costs 5.86% less
- Efland: Insurance costs 3.32% less
- Mebane: Insurance costs 3.39% less
- Gorman: Insurance costs 4.47% less
- Swepsonville: Insurance costs 7.71% less
Cities with Similar Populations
- West Valley City: Insurance costs 22.90% more
- Victoria: Insurance costs 28.99% more
- Ventura: Insurance costs 60.45% more
- Waukesha: Insurance costs 12.95% less
- Waukegan: Insurance costs 46.49% more
- The Woodlands: Insurance costs 32.61% more
- Tyler: Insurance costs 30.76% more
- Topeka: Insurance costs 20.97% more
- Upland: Insurance costs 69.70% more
- Tustin: Insurance costs 62.68% more