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Get Cheap Car Insurance in Four Oaks, NC
We monitor insurance prices, helping the average driver in Four Oaks save up to 33.1% on car insurance.
The Cheapest Minimum Coverage in Four Oaks
The chart below shows the cheapest car insurance company in Four Oaks 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.
| Four Oaks Insurer | Monthly Cost |
|---|---|
| Midvale Home & Auto | $47 |
| Erie Insurance | $48 |
| Farm Bureau | $51 |
| Progressive | $54 |
Savings for Every Kind of Four Oaks Driver
Based on our extensive insurance data, we know the average Four Oaks 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 $239 per year by choosing the right vehicle insurance company. Some Four Oaks residents are paying out over $1,245 extra every year for auto insurance in Four Oaks. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Four Oaks, NC Savings / Yr. |
|---|---|
$239 |
|
$520 |
|
$378 |
|
$966 |
|
$717 |
|
$289 |
|
$433 |
Four Oaks Car Insurance vs. North Carolina
People living in Four Oaks pay an average of 0.43% less than the typical driver in the state. The average driver in Four Oaks can expect to pay about $746 per year, or $1,245 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Four Oaks for most people.
Car Insurance Prices by Four Oaks Neighborhood
Insurance Prices
Where is insurance cheapest within Four Oaks?
The map shows insurance prices in and around Four Oaks, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $138 per year within the city boundaries, with insurance premiums ranging from a high of $1,337 to a low of $1,199. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Southeast parts of Four Oaks.Pick the Best Car Insurance Company for You in Four Oaks
The best car insurance provider for most drivers in Four Oaks
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $239 over the average Four Oaks car insurance company.
The best car insurance provider for Four Oaks 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 $520 over the competition.
The best car insurance company for Four Oaks drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $378 better than other car insurance companies.
The best auto insurance for Four Oaks drivers with a DUI conviction
Getting a quote from Kemper may cost the average person with a DUI about $966 less each year.
The least expensive car insurance company for new and young drivers in Four Oaks
In Four Oaks, State Farm costs young drivers $717 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Four Oaks
Erie Insurance gave the largest car insurance discounts to married couples, averaging $289 saved each year compared to an average Four Oaks couple's premiums.
The cheapest car insurance in Four Oaks for drivers with bad credit
The best Four Oaks car insurance company for customer service
Recent price drops
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The cheapest large national provider in Four Oaks
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Four Oaks 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 Four Oaks, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Four Oaks
What Influences the Cost of Car Insurance in Four Oaks?
On average, car insurance in Four Oaks 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:
- 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 Four Oaks are about 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 D+ according to CrimeGrade.org.
- Four Oaks 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 Four Oaks is $62 per month for minimum coverage and $104 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
- Smithfield: Insurance costs 2.57% more
- Benson: Insurance costs 1.93% more
- Coats Crossroads: Insurance costs 1.45% more
- Peacocks Crossroads: Insurance costs 0.88% less
- Flowers: Insurance costs 2.01% more
- Pine Level: Insurance costs 1.04% more
- Wilsons Mills: Insurance costs 1.85% more
- Hardee Cross Roads: Insurance costs 0.48% less
- Selma: Insurance costs 3.29% more
- Coats: Insurance costs 0.96% more
Cities with Similar Populations
- Rochelle: Insurance costs 16.06% more
- Robinson: Insurance costs 28.43% more
- Robertsdale: Insurance costs 20.80% more
- River Edge: Insurance costs 65.38% more
- Ripley: Insurance costs 16.47% more
- Richton Park: Insurance costs 55.82% more
- Rehoboth: Insurance costs 24.42% more
- Redlands: Insurance costs 34.30% more
- Raymondville: Insurance costs 39.92% more
- Madras: Insurance costs 13.25% more