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Get Cheap Car Insurance in Harris-Houston, Charlotte, NC
We monitor insurance prices, helping the average driver in Harris-Houston save up to 33.1% on car insurance.
The Cheapest Minimum Coverage in Harris-Houston
The chart below shows the cheapest car insurance company in Harris-Houston 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.
| Harris-Houston Insurer | Monthly Cost |
|---|---|
| Midvale Home & Auto | $54 |
| Erie Insurance | $55 |
| Farm Bureau | $58 |
| Progressive | $61 |
Savings for Every Kind of Harris-Houston Driver
Based on our extensive insurance data, we know the average Harris-Houston 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 $274 per year by choosing the right vehicle insurance company. Some Harris-Houston residents are paying out over $1,428 extra every year for auto insurance in Harris-Houston. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Harris-Houston, Charlotte, NC Savings / Yr. |
|---|---|
$274 |
|
$596 |
|
$434 |
|
$1,108 |
|
$822 |
|
$331 |
|
$497 |
Harris-Houston Car Insurance vs. Charlotte
People living in Harris-Houston pay an average of 14.22% more than the typical driver in the state. The average driver in Harris-Houston can expect to pay about $856 per year, or $1,428 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Harris-Houston for most people.
Car Insurance Prices by Harris-Houston Neighborhood
Insurance Prices
Where is insurance cheapest within Harris-Houston?
The map shows insurance prices in and around Harris-Houston, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $168 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,483 to a low of $1,315. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Central parts of Harris-Houston.Pick the Best Car Insurance Company for You in Harris-Houston
The best car insurance provider for most drivers in Harris-Houston
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $274 over the average Harris-Houston car insurance company.
The best car insurance provider for Harris-Houston 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 $596 over the competition.
The best car insurance company for Harris-Houston drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $434 better than other car insurance companies.
The best auto insurance for Harris-Houston drivers with a DUI conviction
Getting a quote from Kemper may cost the average person with a DUI about $1,108 less each year.
The least expensive car insurance company for new and young drivers in Harris-Houston
In Harris-Houston, State Farm costs young drivers $822 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Harris-Houston
Erie Insurance gave the largest car insurance discounts to married couples, averaging $331 saved each year compared to an average Harris-Houston couple's premiums.
The cheapest car insurance in Harris-Houston for drivers with bad credit
The best Harris-Houston car insurance company for customer service
Nationwide was the best company for customer service in Harris-Houston according to the NAIC.
Recent price drops
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The cheapest large national provider in Harris-Houston
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Harris-Houston 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 Harris-Houston, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Harris-Houston
What Influences the Cost of Car Insurance in Harris-Houston?
On average, car insurance in Harris-Houston 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 neighborhood are influenced by the following factors:
- The average commute time in Harris-Houston is 30 minutes, which is a little more than average for a driver in the city.
- 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 Harris-Houston are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
- Harris-Houston is a fairly densely populated area in the state. The neighborhood’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 Harris-Houston is $71 per month for minimum coverage and $119 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 Neighborhoods
- University City South: Insurance costs 10.78% less
- Mallard Creek-Withrow Downs: Insurance costs 3.29% more
- Back Creek Church Road: Insurance costs 1.47% less
- University City North: Insurance costs 1.19% less
- Newell: Insurance costs 3.78% more
- Newell South: Insurance costs 1.26% more
- Mineral Springs-Rumble Road: Insurance costs 0.98% more
- Prosperity Church Road: Insurance costs 1.26% less
- Hidden Valley: Insurance costs 5.95% more
- Plaza-Eastway: Insurance costs 6.72% more
Neighborhoods with Similar Populations
- Taku-Campbell: Insurance costs 3.78% more
- Northwest Crossing: Insurance costs 37.11% more
- Airline-Jefferson: Insurance costs 126.75% more
- Surprise Farms: Insurance costs 35.01% more
- Southwest Bend: Insurance costs 3.15% less
- Southeastern Hills: Insurance costs 48.11% more
- Seminary: Insurance costs 66.32% more
- Schuylerville: Insurance costs 132.49% more
- River West: Insurance costs 2.03% less
- Leimert Park: Insurance costs 82.70% more