Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Hillsborough, NC
We monitor insurance prices, helping the average driver in Hillsborough save up to 33.1% on car insurance.
The Cheapest Minimum Coverage in Hillsborough
The chart below shows the cheapest car insurance company in Hillsborough 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.
| Hillsborough Insurer | Monthly Cost |
|---|---|
| Midvale Home & Auto | $46 |
| Erie Insurance | $46 |
| Farm Bureau | $49 |
| Progressive | $52 |
Savings for Every Kind of Hillsborough Driver
Based on our extensive insurance data, we know the average Hillsborough 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 $232 per year by choosing the right vehicle insurance company. Some Hillsborough residents are paying out over $1,211 extra every year for auto insurance in Hillsborough. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Hillsborough, NC Savings / Yr. |
|---|---|
$232 |
|
$506 |
|
$368 |
|
$939 |
|
$697 |
|
$281 |
|
$421 |
Hillsborough Car Insurance vs. North Carolina
People living in Hillsborough pay an average of 3.16% less than the typical driver in the state. The average driver in Hillsborough can expect to pay about $725 per year, or $1,211 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Hillsborough for most people.
Car Insurance Prices by Hillsborough Neighborhood
Insurance Prices
Where is insurance cheapest within Hillsborough?
The map shows insurance prices in and around Hillsborough, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $185 per year within the city boundaries, with insurance premiums ranging from a high of $1,348 to a low of $1,163. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the East parts of Hillsborough.Pick the Best Car Insurance Company for You in Hillsborough
The best car insurance provider for most drivers in Hillsborough
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $232 over the average Hillsborough car insurance company.
The best car insurance provider for Hillsborough 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 $506 over the competition.
The best car insurance company for Hillsborough drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $368 better than other car insurance companies.
The best auto insurance for Hillsborough drivers with a DUI conviction
Getting a quote from Kemper may cost the average person with a DUI about $939 less each year.
The least expensive car insurance company for new and young drivers in Hillsborough
In Hillsborough, State Farm costs young drivers $697 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Hillsborough
Erie Insurance gave the largest car insurance discounts to married couples, averaging $281 saved each year compared to an average Hillsborough couple's premiums.
The cheapest car insurance in Hillsborough for drivers with bad credit
The best Hillsborough car insurance company for customer service
Nationwide was the best company for customer service in Hillsborough according to the NAIC.
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Hillsborough, which was better than other insurers.
The cheapest large national provider in Hillsborough
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Hillsborough 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 Hillsborough, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Hillsborough
What Influences the Cost of Car Insurance in Hillsborough?
On average, car insurance in Hillsborough 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 Hillsborough is 31 minutes, which is about the national 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 Hillsborough are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- Hillsborough is a fairly densely populated area 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 Hillsborough is $60 per month for minimum coverage and $101 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
- Schley: Insurance costs 2.39% less
- Efland: Insurance costs 3.55% more
- Cedar Grove: Insurance costs 2.89% more
- Orange Grove: Insurance costs 1.40% less
- Mebane: Insurance costs 3.47% more
- Carrboro: Insurance costs 6.36% more
- Chapel Hill: Insurance costs 7.10% more
- Durham: Insurance costs 10.40% more
- Orange Factory: Insurance costs 3.88% more
- Bahama: Insurance costs 3.39% more
Cities with Similar Populations
- Randallstown: Insurance costs 94.14% more
- Moscow: Insurance costs 11.15% less
- Moultrie: Insurance costs 38.65% more
- Mustang: Insurance costs 45.91% more
- Oxford: Insurance costs 9.83% less
- Plainview: Insurance costs 124.44% more
- Ponca City: Insurance costs 39.80% more
- Pooler: Insurance costs 42.53% more
- Rahway: Insurance costs 73.99% more
- Monroeville: Insurance costs 18.66% more