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Get Cheap Car Insurance in Hatteras, NC

We monitor insurance prices, helping the average driver in Hatteras save up to 33.1% on car insurance.

 

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The Cheapest Minimum Coverage in Hatteras

The chart below shows the cheapest car insurance company in Hatteras 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.

 
Hatteras Insurer Monthly Cost
Midvale Home & Auto $45
Erie Insurance $45
Farm Bureau $48
Progressive $51

Savings for Every Kind of Hatteras Driver

The table shows how much the average auto insurance customer in Hatteras might save by following our recommendations.

Based on our extensive insurance data, we know the average Hatteras 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 $226 per year by choosing the right vehicle insurance company. Some Hatteras residents are paying out over $1,176 extra every year for auto insurance in Hatteras. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Hatteras, NC Savings / Yr.
Drivers with good records
$226
Drivers with accidents
$491
Drivers with speeding tickets
$358
Drivers with a DUI conviction
$913
Young drivers
$678
Married drivers
$273
Drivers with bad credit
$409

Hatteras Car Insurance vs. North Carolina

People living in Hatteras pay an average of 5.89% less than the typical driver in the state. The average driver in Hatteras can expect to pay about $705 per year, or $1,176 for full coverage.

Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Hatteras for most people.

Car Insurance Prices by Hatteras Neighborhood

Hatteras, NC map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Hatteras?

The map shows insurance prices in and around Hatteras, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $19 per year within the city boundaries, with insurance premiums ranging from a high of $1,195 to a low of $1,176. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Central parts of Hatteras.

Pick the Best Car Insurance Company for You in Hatteras

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Hatteras insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Hatteras

For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $226 over the average Hatteras car insurance company.

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We use the average good driver, paying $79 per month, as our baseline for pricing in Hatteras. Auto-Owners Insurance, Farm Bureau, and Erie Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Hatteras drivers with accidents on their records

In Hatteras getting into an accident will raise premiums an average 37% for a yearly cost of $1,877. That's $700 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Erie Insurance, Farm Bureau, and Kemper are good choices for drivers with accidents.

In our analysis, Erie Insurance saved the average person who had been in an accident the most, with annual savings averaging $491 over the competition.

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The best car insurance company for Hatteras drivers with speeding tickets

>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $358 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Hatteras, tickets raise premiums on new quotes about $583. If you have a speeding ticket, we recommend State Farm, Farm Bureau, and Erie Insurance for savings that beat the average insurance cost of $1,759 per year.

The best auto insurance for Hatteras drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,550 per year in auto insurance premiums, which was $2,373 more than a driver with no major issues. Kemper, Midvale Home & Auto, and Farm Bureau penalized their customers the least for a DUI.

Getting a quote from Kemper may cost the average person with a DUI about $913 less each year.

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The least expensive car insurance company for new and young drivers in Hatteras

In Hatteras, State Farm costs young drivers $678 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 56% more for insurance than more mature drivers in Hatteras. With an average cost of $2,665 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Farm Bureau, and Erie Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Hatteras

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $17. State Farm, Erie Insurance, and Farm Bureau provided the largest discounts to couples living in Hatteras.

Erie Insurance gave the largest car insurance discounts to married couples, averaging $273 saved each year compared to an average Hatteras couple's premiums.

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The cheapest car insurance in Hatteras for drivers with bad credit

People with poor credit saved an average of $409 with Erie Insurance.

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Many people are surprised that their poor credit score can cost them an average of $558 every year. Premiums for people with poor credit were about $1,734 in Hatteras. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Progressive, Erie Insurance, and Dairyland.

The best Hatteras car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Hatteras, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in Hatteras.

Nationwide was the best company for customer service in Hatteras according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Hatteras, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Hatteras. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Hatteras

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 33% of Hatteras residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Hatteras driver can expect to pay about $87 per month.

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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 Hatteras, USAA has the best prices for none of the categories above.
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Auto Insurance Prices in and Around Hatteras

What Influences the Cost of Car Insurance in Hatteras?

On average, car insurance in Hatteras 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 Hatteras is 35 minutes, which is a little more than average for a driver in the state.
  • 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 Hatteras are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
  • Hatteras is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Hatteras is $59 per month for minimum coverage and $98 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

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* Who is the average Hatteras driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Hatteras with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.