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Get Cheap Car Insurance in Harwood Lane, Charlotte, NC
We monitor insurance prices, helping the average driver in Harwood Lane save up to 33.1% on car insurance.
The Cheapest Minimum Coverage in Harwood Lane
The chart below shows the cheapest car insurance company in Harwood Lane 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.
| Harwood Lane Insurer | Monthly Cost |
|---|---|
| Midvale Home & Auto | $54 |
| Erie Insurance | $54 |
| Farm Bureau | $58 |
| Progressive | $61 |
Savings for Every Kind of Harwood Lane Driver
Based on our extensive insurance data, we know the average Harwood Lane 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 $272 per year by choosing the right vehicle insurance company. Some Harwood Lane residents are paying out over $1,418 extra every year for auto insurance in Harwood Lane. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Harwood Lane, Charlotte, NC Savings / Yr. |
|---|---|
$272 |
|
$592 |
|
$431 |
|
$1,100 |
|
$817 |
|
$329 |
|
$493 |
Harwood Lane Car Insurance vs. Charlotte
People living in Harwood Lane pay an average of 13.43% more than the typical driver in the state. The average driver in Harwood Lane can expect to pay about $850 per year, or $1,418 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Harwood Lane for most people.
Car Insurance Prices by Harwood Lane Neighborhood
Insurance Prices
Where is insurance cheapest within Harwood Lane?
The map shows insurance prices in and around Harwood Lane, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $91 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,453 to a low of $1,362. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Central parts of Harwood Lane.Pick the Best Car Insurance Company for You in Harwood Lane
The best car insurance provider for most drivers in Harwood Lane
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $272 over the average Harwood Lane car insurance company.
The best car insurance provider for Harwood Lane 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 $592 over the competition.
The best car insurance company for Harwood Lane drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $431 better than other car insurance companies.
The best auto insurance for Harwood Lane drivers with a DUI conviction
Getting a quote from Kemper may cost the average person with a DUI about $1,100 less each year.
The least expensive car insurance company for new and young drivers in Harwood Lane
In Harwood Lane, State Farm costs young drivers $817 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Harwood Lane
Erie Insurance gave the largest car insurance discounts to married couples, averaging $329 saved each year compared to an average Harwood Lane couple's premiums.
The cheapest car insurance in Harwood Lane for drivers with bad credit
The best Harwood Lane car insurance company for customer service
Nationwide was the best company for customer service in Harwood Lane according to the NAIC.
Recent price drops
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The cheapest large national provider in Harwood Lane
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Harwood Lane 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 Harwood Lane, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Harwood Lane
What Influences the Cost of Car Insurance in Harwood Lane?
On average, car insurance in Harwood Lane 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 Harwood Lane is 35 minutes, which is far 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 Harwood Lane are higher than average 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.
- Harwood Lane is one of the most densely populated areas 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 Harwood Lane 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 Neighborhoods
- Coulwood West: Insurance costs the same
- Wildwood: Insurance costs 6.98% less
- Oakdale South: Insurance costs 0.63% more
- Pawtuckett: Insurance costs 1.48% more
- Westchester: Insurance costs 1.55% more
- Toddville Road: Insurance costs the same
- Firestone-Garden Park: Insurance costs 4.80% more
- Thomasboro-Hoskins: Insurance costs 5.85% more
- Wedgewood: Insurance costs 3.10% less
- Beatties Ford-Trinity: Insurance costs 7.40% more
Neighborhoods with Similar Populations
- South Lorain: Insurance costs 13.68% less
- Eastland-Wilora Lake: Insurance costs 4.51% more
- El Dorado Park: Insurance costs 48.80% more
- Waterfront: Insurance costs 40.90% more
- Franklin Park: Insurance costs 52.19% more
- Girvin: Insurance costs 75.74% more
- Grant: Insurance costs 12.27% more
- Hamilton: Insurance costs 19.32% more
- Huguenot: Insurance costs 86.25% more
- Timberwood Park: Insurance costs 23.27% more