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Get Cheap Car Insurance in Southern Shores, NC
We monitor insurance prices, helping the average driver in Southern Shores save up to 33.1% on car insurance.
The Cheapest Minimum Coverage in Southern Shores
The chart below shows the cheapest car insurance company in Southern Shores 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.
| Southern Shores Insurer | Monthly Cost |
|---|---|
| Midvale Home & Auto | $44 |
| Erie Insurance | $44 |
| Farm Bureau | $47 |
| Progressive | $49 |
Savings for Every Kind of Southern Shores Driver
Based on our extensive insurance data, we know the average Southern Shores 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 $220 per year by choosing the right vehicle insurance company. Some Southern Shores residents are paying out over $1,146 extra every year for auto insurance in Southern Shores. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Southern Shores, NC Savings / Yr. |
|---|---|
$220 |
|
$479 |
|
$348 |
|
$889 |
|
$660 |
|
$266 |
|
$399 |
Southern Shores Car Insurance vs. North Carolina
People living in Southern Shores pay an average of 8.31% less than the typical driver in the state. The average driver in Southern Shores can expect to pay about $687 per year, or $1,146 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Southern Shores for most people.
Car Insurance Prices by Southern Shores Neighborhood
Insurance Prices
Where is insurance cheapest within Southern Shores?
The map shows insurance prices in and around Southern Shores, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $21 per year within the city boundaries, with insurance premiums ranging from a high of $1,163 to a low of $1,142. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Central parts of Southern Shores.Pick the Best Car Insurance Company for You in Southern Shores
The best car insurance provider for most drivers in Southern Shores
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $220 over the average Southern Shores car insurance company.
The best car insurance provider for Southern Shores 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 $479 over the competition.
The best car insurance company for Southern Shores drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $348 better than other car insurance companies.
The best auto insurance for Southern Shores drivers with a DUI conviction
Getting a quote from Kemper may cost the average person with a DUI about $889 less each year.
The least expensive car insurance company for new and young drivers in Southern Shores
In Southern Shores, State Farm costs young drivers $660 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Southern Shores
Erie Insurance gave the largest car insurance discounts to married couples, averaging $266 saved each year compared to an average Southern Shores couple's premiums.
The cheapest car insurance in Southern Shores for drivers with bad credit
The best Southern Shores car insurance company for customer service
Nationwide was the best company for customer service in Southern Shores according to the NAIC.
Recent price drops
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The cheapest large national provider in Southern Shores
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Southern Shores 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 Southern Shores, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Southern Shores
What Influences the Cost of Car Insurance in Southern Shores?
On average, car insurance in Southern Shores 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 Southern Shores is 32 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 Southern Shores are among the highest 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.
- Southern Shores is one of the least populated areas 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 Southern Shores is $57 per month for minimum coverage and $96 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
- Kitty Hawk: Insurance costs 2.36% more
- Duck: Insurance costs 1.48% more
- Harbinger: Insurance costs 5.58% more
- Powells Point: Insurance costs 7.42% more
- Kill Devil Hills: Insurance costs 2.36% more
- Jarvisburg: Insurance costs 5.58% more
- Grandy: Insurance costs 5.85% more
- Poplar Branch: Insurance costs 5.24% more
- Shiloh: Insurance costs 6.28% more
- Riddle: Insurance costs 5.50% more
Cities with Similar Populations
- Bal Harbour: Insurance costs 170.16% more
- Unionville: Insurance costs 7.77% more
- Sims: Insurance costs 8.81% more
- Lyman: Insurance costs 33.16% more
- Julian: Insurance costs 1.66% more
- Jay: Insurance costs 108.29% more
- Hinton: Insurance costs 34.73% more
- Haskell: Insurance costs 49.21% more
- Goshen: Insurance costs 68.24% more
- Frisco City: Insurance costs 29.84% more