Best Cheap Auto Insurance in Hays, NC (2021)

The average Hays, NC auto insurance rates are $261 per month. The minimum auto insurance in Hays is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Hays, North Carolina, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The cheapest auto insurance company in Hays is Liberty Mutual
  • The minimum auto insurance required in Hays, North Carolina is 30/60/25
  • The most expensive auto insurance company in Hays for teen drivers is Allstate

Hays, North Carolina auto insurance requirements are 30/60/25 according to North Carolina auto insurance laws. Finding cheap auto insurance in Hays can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Hays, North Carolina, including driving record, credit, commute time, and more.

Compare auto insurance in Hays to other North Carolina cities, including Wilmington auto insurance rates, Winston-Salem auto insurance rates, and Cary auto insurance rates to see how Hays, North Carolina auto insurance rates stack up.

Before you buy Hays, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Hays, North Carolina auto insurance quotes.

Minimum Auto Insurance in Hays, North Carolina

Hays, North Carolina auto insurance laws require that you have at least the North Carolina minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Hays, North Carolina.

Minimum Required Auto Insurance Coverage in Hays, North Carolina

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Hays, North Carolina Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Hays, North Carolina are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Hays, North Carolina

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $5,071 $5,071 $4,166 $4,166 $12,101 $12,101 $5,172 $5,172
GEICO $2,569 $2,517 $2,509 $2,460 $4,656 $4,614 $2,228 $2,214
Liberty Mutual $1,683 $1,683 $1,742 $1,742 $2,926 $2,926 $1,683 $1,683
Nationwide $2,241 $2,241 $2,241 $2,241 $3,744 $3,744 $2,241 $2,241
Progressive $1,662 $1,662 $1,504 $1,504 $3,805 $3,805 $1,852 $1,852
State Farm $2,268 $2,268 $1,962 $1,962 $3,338 $3,338 $2,803 $2,803
Travelers $2,478 $2,478 $2,458 $2,458 $4,143 $4,143 $2,544 $2,544

Cheap Hays, North Carolina Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Hays, North Carolina is a challenge. Take a look at the annual teen auto insurance rates in Hays, North Carolina.

Annual Auto Insurance Rates for Teen Drivers in Hays, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,101 $12,101
GEICO $4,656 $4,614
Liberty Mutual $2,926 $2,926
Nationwide $3,744 $3,744
Progressive $3,805 $3,805
State Farm $3,338 $3,338
Travelers $4,143 $4,143

Cheap Hays, North Carolina Auto Insurance for Seniors

What are senior auto insurance rates in Hays, North Carolina? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Hays, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,166 $4,166
GEICO $2,509 $2,460
Liberty Mutual $1,742 $1,742
Nationwide $2,241 $2,241
Progressive $1,504 $1,504
State Farm $1,962 $1,962
Travelers $2,458 $2,458

Cheap Hays, North Carolina Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Hays, North Carolina compared to the annual auto insurance rates with a clean record in Hays, North Carolina.

Annual Hays, North Carolina Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,583 $6,311 $11,764 $4,852
GEICO $1,698 $2,422 $5,526 $2,237
Liberty Mutual $1,193 $1,535 $3,771 $1,535
Nationwide $1,534 $1,988 $4,958 $1,988
Progressive $1,034 $1,513 $4,811 $1,464
State Farm $1,398 $1,999 $4,975 $1,999
Travelers $1,727 $2,264 $5,402 $2,231

Cheap Hays, North Carolina Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Hays, North Carolina is not easy. Compare the annual rates for DUI auto insurance in Hays, North Carolina to find the best deal.

Annual Auto Insurance Rates After a DUI in Hays, North Carolina

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $11,764
GEICO $5,526
Liberty Mutual $3,771
Nationwide $4,958
Progressive $4,811
State Farm $4,975
Travelers $5,402

Cheap Hays, North Carolina Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Hays, North Carolina annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Hays, North Carolina

Insurance Company Poor Fair Good
Allstate $8,976 $5,823 $5,083
GEICO $3,237 $2,953 $2,722
Liberty Mutual $2,008 $2,008 $2,008
Nationwide $2,617 $2,617 $2,617
Progressive $2,497 $2,149 $1,970
State Farm $3,642 $2,328 $1,809
Travelers $3,102 $2,823 $2,792

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Cheap Hays, North Carolina Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Hays, North Carolina can vary. Compare the annual cost of auto insurance by ZIP code in Hays, North Carolina to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Hays, North Carolina

ZIP Code Average Annual Rates
28635 $2,844

Cheap Hays, North Carolina Auto Insurance Rates By Commute

Commute length and annual mileage affect Hays, North Carolina auto insurance. Find the cheapest annual Hays, North Carolina auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Hays, North Carolina

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,628 $6,628
GEICO $2,971 $2,971
Liberty Mutual $2,008 $2,008
Nationwide $2,617 $2,617
Progressive $2,206 $2,206
State Farm $2,577 $2,609
Travelers $2,906 $2,906

Cheap Hays, North Carolina Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Hays, North Carolina? Check out the comparison of annual Hays, North Carolina auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Hays, North Carolina

Insurance Company Low Medium High
Allstate $6,422 $6,606 $6,855
GEICO $2,851 $2,961 $3,100
Liberty Mutual $1,916 $1,996 $2,113
Nationwide $2,515 $2,604 $2,732
Progressive $2,100 $2,193 $2,324
State Farm $2,502 $2,580 $2,696
Travelers $2,790 $2,891 $3,037

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Best By Category: Cheapest Auto Insurance in Hays, North Carolina

Compare the cheapest auto insurance companies in Hays, North Carolina in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Hays, North Carolina

Category Insurance Company
Teenagers Liberty Mutual
Seniors Progressive
Clean Record Progressive
With 1 Accident Progressive
With 1 DUI Liberty Mutual
With 1 Speeding Violation Progressive

The Cheapest Hays, North Carolina Auto Insurance Companies

What auto insurance companies in Hays, North Carolina are the cheapest? Compare the top Hays, North Carolina auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Hays, North Carolina

Insurance Company Average Annual Rates
Allstate $6,628
GEICO $2,971
Liberty Mutual $2,008
Nationwide $2,617
Progressive $2,206
State Farm $2,593
Travelers $2,906

What affects auto insurance rates in Hays, North Carolina?

There are a lot of reasons why auto insurance rates in Hays, North Carolina are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Hays, North Carolina. Many local factors may affect your Hays auto insurance rates.

Hays Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Hays, North Carolina commute length is 24.8 minutes according to City-Data.

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Compare Hays, North Carolina Auto Insurance Quotes

Before you buy Hays, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Hays, North Carolina auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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