Best Cheap Auto Insurance in Holden Beach, NC (2021)

The average Holden Beach, NC auto insurance rates are $299 per month. The minimum auto insurance in Holden Beach is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Holden Beach, North Carolina, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 minimum auto insurance required in Holden Beach, North Carolina is 30/60/25
  • Average auto insurance rates in Holden Beach, NC for senior drivers are $2,691 per year
  • The average commute length in Holden Beach is 30.9 minutes

Holden Beach, North Carolina auto insurance requirements are 30/60/25 according to North Carolina auto insurance laws. Finding cheap auto insurance in Holden Beach 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 Holden Beach, North Carolina, including driving record, credit, commute time, and more.

Compare auto insurance in Holden Beach to other North Carolina cities, including High Point auto insurance rates, Concord auto insurance rates, and Durham auto insurance rates to see how Holden Beach, North Carolina auto insurance rates stack up.

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

Minimum Auto Insurance in Holden Beach, North Carolina

Holden Beach, 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 Holden Beach, North Carolina.

Minimum Required Auto Insurance Coverage in Holden Beach, 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 Holden Beach, North Carolina Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Holden Beach, 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 Holden Beach, 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 $5,842 $5,842 $4,793 $4,793 $14,054 $14,054 $5,957 $5,957
GEICO $2,599 $2,552 $2,564 $2,519 $4,785 $4,744 $2,288 $2,275
Liberty Mutual $1,934 $1,934 $2,001 $2,001 $3,430 $3,430 $1,934 $1,934
Nationwide $2,616 $2,616 $2,616 $2,616 $4,448 $4,448 $2,616 $2,616
Progressive $1,898 $1,898 $1,730 $1,730 $4,418 $4,418 $2,108 $2,108
State Farm $2,728 $2,728 $2,359 $2,359 $4,029 $4,029 $3,371 $3,371
Travelers $2,814 $2,814 $2,792 $2,792 $4,799 $4,799 $2,888 $2,888

Cheap Holden Beach, North Carolina Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Holden Beach, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,054 $14,054
GEICO $4,785 $4,744
Liberty Mutual $3,430 $3,430
Nationwide $4,448 $4,448
Progressive $4,418 $4,418
State Farm $4,029 $4,029
Travelers $4,799 $4,799

Cheap Holden Beach, North Carolina Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Holden Beach, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,793 $4,793
GEICO $2,564 $2,519
Liberty Mutual $2,001 $2,001
Nationwide $2,616 $2,616
Progressive $1,730 $1,730
State Farm $2,359 $2,359
Travelers $2,792 $2,792

Cheap Holden Beach, 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 Holden Beach, North Carolina compared to the annual auto insurance rates with a clean record in Holden Beach, North Carolina.

Annual Holden Beach, North Carolina Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,150 $7,307 $13,579 $5,609
GEICO $1,613 $2,404 $5,912 $2,234
Liberty Mutual $1,386 $1,780 $4,355 $1,780
Nationwide $1,809 $2,339 $5,810 $2,339
Progressive $1,201 $1,749 $5,510 $1,693
State Farm $1,669 $2,406 $6,006 $2,406
Travelers $1,987 $2,591 $6,159 $2,556

Cheap Holden Beach, North Carolina Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Holden Beach, North Carolina

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $13,579
GEICO $5,912
Liberty Mutual $4,355
Nationwide $5,810
Progressive $5,510
State Farm $6,006
Travelers $6,159

Cheap Holden Beach, North Carolina Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Holden Beach, North Carolina

Insurance Company Poor Fair Good
Allstate $10,362 $6,723 $5,898
GEICO $3,284 $3,027 $2,812
Liberty Mutual $2,325 $2,325 $2,325
Nationwide $3,074 $3,074 $3,074
Progressive $2,855 $2,478 $2,282
State Farm $4,385 $2,803 $2,178
Travelers $3,542 $3,230 $3,197

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Cheap Holden Beach, North Carolina Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Holden Beach, North Carolina

ZIP Code Average Annual Rates
28462 $3,257

Cheap Holden Beach, North Carolina Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Holden Beach, North Carolina

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $7,661 $7,661
GEICO $3,041 $3,041
Liberty Mutual $2,325 $2,325
Nationwide $3,074 $3,074
Progressive $2,538 $2,538
State Farm $3,109 $3,135
Travelers $3,323 $3,323

Cheap Holden Beach, North Carolina Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Holden Beach, North Carolina

Insurance Company Low Medium High
Allstate $7,367 $7,629 $7,988
GEICO $2,886 $3,029 $3,207
Liberty Mutual $2,203 $2,309 $2,463
Nationwide $2,932 $3,058 $3,233
Progressive $2,394 $2,522 $2,699
State Farm $2,963 $3,104 $3,298
Travelers $3,168 $3,304 $3,497

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Best By Category: Cheapest Auto Insurance in Holden Beach, North Carolina

Compare the cheapest auto insurance companies in Holden Beach, 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 Holden Beach, 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 Holden Beach, North Carolina Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Holden Beach, North Carolina

Insurance Company Average Annual Rates
Allstate $7,661
GEICO $3,041
Liberty Mutual $2,325
Nationwide $3,074
Progressive $2,538
State Farm $3,122
Travelers $3,323

What affects auto insurance rates in Holden Beach, North Carolina?

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

Holden Beach Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Holden Beach, North Carolina commute length is 30.9 minutes according to City-Data.

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Compare Holden Beach, North Carolina Auto Insurance Quotes

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