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 Sunset Beach, NC
We monitor insurance prices, helping the average driver in Sunset Beach save up to 33.1% on car insurance.
The Cheapest Minimum Coverage in Sunset Beach
The chart below shows the cheapest car insurance company in Sunset Beach 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.
| Sunset Beach Insurer | Monthly Cost |
|---|---|
| Midvale Home & Auto | $46 |
| Erie Insurance | $47 |
| Farm Bureau | $50 |
| Progressive | $52 |
Savings for Every Kind of Sunset Beach Driver
Based on our extensive insurance data, we know the average Sunset Beach 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 $234 per year by choosing the right vehicle insurance company. Some Sunset Beach residents are paying out over $1,218 extra every year for auto insurance in Sunset Beach. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Sunset Beach, NC Savings / Yr. |
|---|---|
$234 |
|
$509 |
|
$370 |
|
$945 |
|
$702 |
|
$283 |
|
$424 |
Sunset Beach Car Insurance vs. North Carolina
People living in Sunset Beach pay an average of 2.54% less than the typical driver in the state. The average driver in Sunset Beach can expect to pay about $730 per year, or $1,218 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Sunset Beach for most people.
Car Insurance Prices by Sunset Beach Neighborhood
Insurance Prices
Where is insurance cheapest within Sunset Beach?
The map shows insurance prices in and around Sunset Beach, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $114 per year within the city boundaries, with insurance premiums ranging from a high of $1,303 to a low of $1,189. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Southwest parts of Sunset Beach.Pick the Best Car Insurance Company for You in Sunset Beach
The best car insurance provider for most drivers in Sunset Beach
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $234 over the average Sunset Beach car insurance company.
The best car insurance provider for Sunset Beach 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 $509 over the competition.
The best car insurance company for Sunset Beach drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $370 better than other car insurance companies.
The best auto insurance for Sunset Beach drivers with a DUI conviction
Getting a quote from Kemper may cost the average person with a DUI about $945 less each year.
The least expensive car insurance company for new and young drivers in Sunset Beach
In Sunset Beach, State Farm costs young drivers $702 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Sunset Beach
Erie Insurance gave the largest car insurance discounts to married couples, averaging $283 saved each year compared to an average Sunset Beach couple's premiums.
The cheapest car insurance in Sunset Beach for drivers with bad credit
The best Sunset Beach car insurance company for customer service
Nationwide was the best company for customer service in Sunset Beach 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 Sunset Beach, which was better than other insurers.
The cheapest large national provider in Sunset Beach
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Sunset Beach 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 Sunset Beach, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Sunset Beach
What Influences the Cost of Car Insurance in Sunset Beach?
On average, car insurance in Sunset Beach 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 Sunset Beach is 33 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 Sunset Beach are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
- Sunset Beach has an average population density 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 Sunset Beach is $61 per month for minimum coverage and $102 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
- Ocean Isle Beach: Insurance costs 0.57% less
- Carolina Shores: Insurance costs 0.90% less
- Calabash: Insurance costs 0.82% less
- Grissettown: Insurance costs 0.41% less
- Shallotte: Insurance costs 1.15% more
- Little River: Insurance costs 31.20% more
- Olyphic: Insurance costs 8.05% more
- Holden Beach: Insurance costs 1.07% more
- Supply: Insurance costs 1.15% more
- North Myrtle Beach: Insurance costs 29.39% more
Cities with Similar Populations
- Afton: Insurance costs 11.99% more
- Akron: Insurance costs 8.37% more
- Albia: Insurance costs 1.40% more
- Ovilla: Insurance costs 42.53% more
- Olympia Fields: Insurance costs 57.80% more
- Ona: Insurance costs 23.40% more
- Onsted: Insurance costs 127.42% more
- Oologah: Insurance costs 39.82% more
- Oracle: Insurance costs 35.63% more
- Oronoco: Insurance costs 25.70% more