Auto Insurance In Sylva Vs Asheville: Who's Cheaper?

The average cost of car insurance in Asheville, North Carolina, is $102 per month for full-coverage insurance and $44 per month for liability-only coverage. Asheville drivers with DUIs on their records face average car insurance costs of $138 per month for full coverage and $83 for liability-only coverage. Asheville is cheaper than many other cities in North Carolina for car insurance.

In comparison, the average cost of car insurance in the US is $212 per month for full coverage and $105 per month for liability coverage.

Sylva, North Carolina, does not have any specific data available for car insurance costs. However, North Carolina Farm Bureau Insurance Group offers auto insurance in Sylva.

Asheville drivers pay lower insurance rates than those in larger North Carolina cities

The average cost of car insurance in Asheville, North Carolina, is $102 per month for full-coverage insurance and $44 per month for liability-only coverage. However, some insurers offer lower rates, with Midvale Home & Auto offering the cheapest car insurance in Asheville, with minimum-coverage policies as low as $26 per month.

In a city with fewer than 100,000 residents, Asheville drivers pay lower average auto insurance rates than drivers in larger North Carolina cities. For example, Charlotte residents pay 78% more than Asheville drivers for full-coverage insurance.

Asheville auto insurance costs

The average yearly car insurance rate in Asheville is $738, which is considerably lower than the state and national averages. Progressive, Liberty Mutual, GEICO, Utica National, Titan, State Farm, North Carolina Farm Bureau, Allied, and National General are the top 10 most affordable auto insurance providers in Asheville.

Cheaper insurance in Asheville

Asheville is a relatively small city, and this may be a factor in its lower insurance rates compared to larger cities in North Carolina. The cost of car insurance is influenced by factors such as population density, accident rates, and traffic congestion. Asheville's smaller size and lower population may contribute to its more affordable insurance rates.

Ways to save on car insurance in Asheville

When shopping for car insurance in Asheville, there are several ways to find the best rates:

• Compare prices from different insurance providers.
• Find discounts offered by insurance companies, such as those for bundling policies, paying the premium in full, insuring multiple vehicles, good grades, and insuring a car with safety features.
• Choose a higher deductible, which can lower your monthly premium.
• Take a defensive driving course to qualify for a discount.
• Maintain a clean driving record, as drivers with no accidents, tickets, or violations typically pay lower insurance rates.

Asheville's cheapest car insurance companies for different driver profiles

Car insurance rates vary depending on factors such as age, driving record, credit history, and location. In Asheville, North Carolina, the average cost of car insurance is $102 per month for full coverage and $44 per month for liability-only coverage. Here are some of Asheville's cheapest car insurance companies for different driver profiles:

Best for Cheap Rates: Direct Auto

Direct Auto offers the cheapest rates in Asheville for both liability-only and full-coverage insurance. They provide a range of discounts for good students, senior drivers, military personnel, and homeowners. However, they have limited coverage options and have received some negative reviews for their customer service.

Best for Drivers with an Incident: Erie

Erie is the cheapest option for drivers with an at-fault accident, speeding ticket, or DUI on their record. They offer customizable coverage, including endorsements for accident forgiveness and locksmith coverage. They also have a Rate Lock guarantee, ensuring your premium won't change unless you adjust your policy.

Best for Senior Drivers: GEICO

GEICO is one of the country's top insurers, offering a range of insurance products. They provide affordable rates for senior drivers in Asheville, with multiple available discounts, including multi-policy, good driver, and defensive driving discounts.

Cheapest Liability-Only Car Insurance: Midvale Home & Auto

Midvale Home & Auto offers the lowest rates for liability-only coverage in Asheville, with policies starting at $26 per month.

Cheapest Full-Coverage Car Insurance: Erie and Nationwide

Erie and Nationwide are the second and third-cheapest options for full-coverage insurance in Asheville, with rates starting at $31 per month.

Asheville's average car insurance costs

The average cost of car insurance in Asheville, North Carolina, is $738 per year, which is considerably lower than the state and national averages. The average cost of full-coverage car insurance in North Carolina is $2,040 per year, while the average cost of minimum coverage is $609 per year.

The cost of car insurance in Asheville varies depending on the insurance provider, driver age, gender, marital status, driving record, and credit score. The cheapest car insurance companies in Asheville for different coverage types and driver profiles include Direct Auto, Erie, and GEICO.

The average monthly cost of car insurance in Asheville is $60, with liability insurance averaging $45 and full-coverage insurance averaging $75. The cheapest car insurance company in Asheville is Midvale Home & Auto, which offers liability policies starting at $26 per month.

Compared to other cities in North Carolina, Asheville's car insurance rates are relatively low. Asheville drivers pay lower average auto insurance rates than drivers in larger cities in the state, such as Charlotte, where residents pay 78% more than Asheville drivers for full-coverage insurance.

North Carolina's minimum car insurance requirements

When it comes to auto insurance in North Carolina, the law requires drivers to carry a minimum amount of driving insurance. The specific requirements are as follows:

• Bodily injury liability coverage: a minimum of $30,000 per person and $60,000 per accident is required. This ensures that the driver is financially protected in case of an accident where someone is injured.
• Uninsured motorist bodily injury: a minimum of $30,000 per person and $60,000 per accident is mandatory. This type of coverage protects the policyholder in case they are in an accident caused by an uninsured driver.
• Uninsured/Underinsured motorist property damage: a minimum of $25,000 is required. This coverage is similar to the previous one but focuses on property damage caused by an uninsured or underinsured driver.
• Property damage liability coverage: a minimum of $25,000 is needed. This coverage protects the driver in case they cause damage to someone else's property in an accident.

North Carolina drivers are legally required to keep their insurance ID card with them while driving and present it to a law enforcement officer if asked. The state offers some alternatives to minimum car insurance, such as a surety bond, self-insurance for those with 26 or more cars, a security deposit/cash option, and a real estate bond.

The average cost of minimum coverage car insurance in North Carolina is $609 per year, or $51 per month. This is significantly lower than the national average of $633 per year for minimum coverage.

While these are the minimum requirements, it is important to consider your individual needs and circumstances when deciding on the appropriate level of coverage. For example, if you have a loan or lease on your car, your lender will likely require you to have full coverage insurance, which includes comprehensive and collision coverage. Additionally, if you live in a larger city like Asheville, with higher traffic and potentially higher accident rates, you may want to consider more extensive coverage.

Full coverage insurance in North Carolina typically includes higher liability limits, as well as comprehensive and collision coverage. The average cost of full coverage in the state is $2,040 per year or $170 per month. Progressive is known for offering the cheapest full coverage in the state, at $61 per month.

Remember, while minimum coverage may seem more affordable, it might not be sufficient in the event of a costly accident. It is always a good idea to carefully review your insurance options and choose the coverage that best suits your needs and provides adequate financial protection.

Tips for finding cheap car insurance in Asheville

Finding cheap car insurance in Asheville, North Carolina, is a relatively straightforward process. The city's auto insurance rates are already lower than the state and national averages, but you can employ several strategies to find an even better deal. Here are some tips to help you get started:

Compare Prices from Different Insurance Providers

It pays to shop around. Comparing prices from various insurance providers is an effective way to find the most affordable option for your needs. Different insurers will offer varying rates, and by obtaining quotes from multiple companies, you can identify the most cost-effective choice.

Consider the Cheapest Insurance Companies in Asheville

Several insurance companies are known for offering particularly competitive rates in Asheville. Midvale Home & Auto, for instance, provides minimum-coverage policies starting at just $26 per month. Other affordable options include Erie and Nationwide, which offer liability rates starting at $31 per month.

Take Advantage of Discounts

Most car insurance companies offer a range of discounts that can significantly reduce your premium. Common discounts include those for bundling policies, paying your premium in full, insuring multiple vehicles, good grades for student drivers, and insuring a car with safety features. Be sure to inquire about available discounts and see which ones you may qualify for.

Choose Higher Deductibles

Opting for a higher deductible can lower your monthly premium. However, it's important to ensure that you can afford the higher deductible in the event that you need to file a claim.

Maintain a Clean Driving Record

A clean driving record is one of the best ways to keep your insurance costs low. Avoiding accidents, tickets, and other traffic violations will help you secure more affordable rates. Conversely, incidents such as speeding tickets, at-fault accidents, and DUIs will typically lead to higher insurance premiums.

Take a Defensive Driving Course

Many insurance providers offer discounts to drivers who have completed an approved defensive driving course. Not only will this help improve your driving skills, but it can also translate into savings on your insurance premium.

By following these tips and comparing rates from multiple insurers, you'll be well on your way to finding cheap car insurance in Asheville that meets your needs without breaking the bank.

Frequently asked questions