Car Vs Tree Crash North Carolina 2 6 2018
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Table of Contents
- Asheville Rates vs. State + National Averages
- Asheville Auto Insurance Costs by Insurer
- Asheville Auto Insurance Premiums by Driver Age
- Asheville Car Insurance Premiums by Gender and Marital Status
- Average Asheville Insurance Rates After A Violation or Accident
- Asheville Auto Insurance Premiums by Credit Tier
- Expensive Asheville Zip Codes
- Cheaper Asheville Zip Codes
- Resource Section
- List of Insurance Companies in Asheville
- No-Fault Insurance in Asheville Information
If you're planning to buy car insurance in Asheville, NC, you should have no trouble finding a good deal. Although auto insurance is generally affordable in this city, you can save even more by comparing prices from different insurance providers.
Asheville Rates vs. State + National Averages
You'll be glad to know that the average auto insurance cost in Asheville is considerably lower than the state and national averages.
- Asheville average yearly car insurance rate: $738
- North Carolina average yearly car insurance rate: $986
- National average yearly car insurance rate: $1311
Asheville Auto Insurance Costs by Insurer
In a survey, Finder found that the top 10 most affordable auto insurance providers in Asheville are:
- Progressive: $718 per year
- Liberty Mutual: $887 per year
- GEICO: $928 per year
- Utica National: $931 per year
- Titan: $954 per year
- State Farm: $957 per year
- Erie: $964 per year
- North Carolina Farm Bureau: $967 per year
- Allied: $971 per year
- National General: $979 per year
Asheville Auto Insurance Premiums by Driver Age
Typically, young drivers face significantly higher auto insurance premiums compared to their older counterparts. This is because insurance companies view them as having a greater tendency to take risks and practice unsafe driving habits than experienced drivers. According to ValuePenguin, young drivers in North Carolina pay more than double for minimum car insurance than older drivers. Nevertheless, it's possible to get cheap insurance from GEICO. This company's premiums for young drivers are 34 percent lower than average.
Asheville Car Insurance Premiums by Gender and Marital Status
In most cases, marital status doesn't have an impact on auto insurance rates in North Carolina. However, with GEICO charging married people higher premiums, the average cost is a little higher for these drivers. In any case, if you're a married driver, you can get the best rates from Erie. The following are the cheapest auto insurance providers for married drivers in North Carolina:
- Erie: $1144 per year
- North Carolina Farm Bureau: $1195 per year
- Progressive: $1202 per year
In North Carolina, insurance providers aren't allowed to regard gender as a car insurance rate factor. However, Trusted Choice found that male and female drivers in Asheville don't pay the same rates. Below are the average yearly auto insurance premiums for men and women in the city:
- Female drivers: $1004
- Male drivers: $1049
Average Asheville Insurance Rates After A Violation or Accident
Drivers who had been in an accident will face considerably higher prices than those with a good driving record. In Asheville, the cost of auto insurance for people with previous at-fault accidents rises by 53 percent. Nevertheless, some insurers, such as Erie, provide affordable coverage for such drivers. The cheapest insurers for people in Asheville who caused accidents in the past include:
- Erie: $1202 per year
- North Carolina Farm Bureau: $1912 per year
- Progressive: $1925 per year
Getting a speeding ticket can also cause auto insurance costs to go up but not as much as being at fault in an accident. The insurance company that offers the lowest premiums for drivers with a speeding ticket is North Carolina Farm Bureau, which charges 23 percent less than the average rate. The following are the most affordable insurance companies for drivers who previously committed speeding offenses:
- North Carolina Farm Bureau: $1605 per year
- Erie: $1615 per year
- Progressive: $1615 per year
Getting a DUI citation can be very expensive as one offense may increase the average cost of car insurance by almost three times, or $4514 per year. The insurers below offer the best rates for drivers with DUI or DWI citations:
- North Carolina Farm Bureau: $4678 per year
- Erie: $4712 per year
- Progressive: $4713 per year
Asheville Auto Insurance Premiums by Credit Tier
It's common for insurance companies to charge drivers with poor credit higher premiums. Try these car insurance providers if your credit rating is less than stellar:
- Progressive: $1202 per year
- Erie: $1221 per year
- GEICO: $1328 per year
Expensive Asheville Zip Codes
Regardless of which Asheville neighborhood you live in, you can expect to pay about the same for auto insurance. The ZIP codes in the city with the most expensive car insurance are:
- 28810: $1031 per year
- 28805: $1029 per year
- 28801: $1029 per year
Cheaper Asheville Zip Codes
Cheaper Asheville ZIP codes for auto insurance include:
- 28806: $1025 per year
- 28804: $1026 per year
- 28803: $1028 per year
List of Insurance Companies in Asheville
A ValuePenguin study found that Nationwide is the highest-rated auto insurance provider in North Carolina. About 78 percent of car insurance consumers said they were extremely satisfied when they filed their most recent claim with the company. Also, the insurer received an "excellent" customer service rating from 53 percent of respondents. Other insurance companies that earned impressive ratings include State Farm, Allstate, Erie, Progressive, and GEICO.
No-Fault Insurance in Asheville Information
North Carolina is an at-fault state for auto accidents. This means drivers have to pay compensation to other parties who suffer injuries or vehicle damage if they're found to be responsible for an accident. Below are the minimum car insurance requirements in Asheville:
- Bodily injury liability per accident: $60,000
- Bodily injury liability per individual: $30,000
- Uninsured and underinsured motorist bodily injury per accident: $60,000
- Uninsured and underinsured motorist bodily injury per individual: $30,000
- Uninsured motorist property damage: $25,000
An auto insurance policy that only meets the minimum coverage requirements in North Carolina may be the cheapest option. However, it may not be the best choice. It's recommended that you purchase additional liability coverage or even an umbrella policy to minimize your out-of-pocket expenses in the event of an at-fault accident.
Sources:
https://www.finder.com/car-insurance-asheville
https://www.trustedchoice.com/l/north-carolina/car-insurance/asheville/
https://www.valuepenguin.com/best-cheap-car-insurance-north-carolina
https://www.caranddriver.com/car-insurance/a35590611/car-insurance-premium/
https://www.caranddriver.com/car-insurance/a35710606/benefits-of-car-insurance/
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Car Vs Tree Crash North Carolina 2 6 2018
Source: https://www.caranddriver.com/car-insurance/a36014028/car-insurance-asheville-north-carolina/
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