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Get Cheap Car Insurance in Woodlawn, NC

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

 

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The Cheapest Minimum Coverage in Woodlawn

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

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

Savings for Every Kind of Woodlawn Driver

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

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

Situation
Woodlawn, NC Savings / Yr.
Drivers with good records
$226
Drivers with accidents
$491
Drivers with speeding tickets
$357
Drivers with a DUI conviction
$912
Young drivers
$677
Married drivers
$273
Drivers with bad credit
$409

Woodlawn Car Insurance vs. North Carolina

People living in Woodlawn pay an average of 5.94% less than the typical driver in the state. The average driver in Woodlawn can expect to pay about $704 per year, or $1,176 for full coverage.

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

Car Insurance Prices by Woodlawn Neighborhood

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

Insurance Prices

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Average
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Where is insurance cheapest within Woodlawn?

The map shows insurance prices in and around Woodlawn, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $141 per year within the city boundaries, with insurance premiums ranging from a high of $1,297 to a low of $1,156. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the North parts of Woodlawn.

Pick the Best Car Insurance Company for You in Woodlawn

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 Woodlawn insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Woodlawn

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 Woodlawn car insurance company.

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We use the average good driver, paying $79 per month, as our baseline for pricing in Woodlawn. 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 Woodlawn drivers with accidents on their records

In Woodlawn getting into an accident will raise premiums an average 37% for a yearly cost of $1,875. 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 Woodlawn drivers with speeding tickets

>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $357 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 Woodlawn, tickets raise premiums on new quotes about $582. If you have a speeding ticket, we recommend State Farm, Farm Bureau, and Erie Insurance for savings that beat the average insurance cost of $1,758 per year.

The best auto insurance for Woodlawn drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,548 per year in auto insurance premiums, which was $2,372 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 $912 less each year.

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

In Woodlawn, State Farm costs young drivers $677 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 Woodlawn. With an average cost of $2,664 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 Woodlawn

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 Woodlawn.

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

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The cheapest car insurance in Woodlawn 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 $1,733 in Woodlawn. 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 Woodlawn car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Woodlawn, 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 Woodlawn.

Nationwide was the best company for customer service in Woodlawn 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 Woodlawn, 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 Woodlawn. 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 Woodlawn

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 32% of Woodlawn 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 Woodlawn 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 Woodlawn, USAA has the best prices for none of the categories above.
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Auto Insurance Prices in and Around Woodlawn

What Influences the Cost of Car Insurance in Woodlawn?

On average, car insurance in Woodlawn 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 Woodlawn is 25 minutes, which is far less 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 Woodlawn are among the highest 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.
  • Woodlawn 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 Woodlawn 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

Cities with Similar Populations

* Who is the average Woodlawn driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Woodlawn 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.