Best Cheap Auto Insurance in Morehead City, NC (2021)

The average Morehead City, NC auto insurance rates are $255 per month. The minimum auto insurance in Morehead City is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Morehead City, 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 most expensive auto insurance company in Morehead City for teen drivers is Allstate
  • The minimum auto insurance required in Morehead City, North Carolina is 30/60/25
  • The average commute length in Morehead City is 16.9 minutes

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

Compare auto insurance in Morehead City to other North Carolina cities, including Charlotte auto insurance rates, Fayetteville auto insurance rates, and Concord auto insurance rates to see how Morehead City, North Carolina auto insurance rates stack up.

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

Minimum Auto Insurance in Morehead City, North Carolina

Morehead City, 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 Morehead City, North Carolina.

Minimum Required Auto Insurance Coverage in Morehead City, 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 Morehead City, North Carolina Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Morehead City, 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 Morehead City, 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 $5,314 $5,314 $4,364 $4,364 $12,687 $12,687 $5,419 $5,419
GEICO $2,174 $2,135 $2,144 $2,107 $3,938 $3,905 $1,918 $1,908
Liberty Mutual $1,637 $1,637 $1,694 $1,694 $2,887 $2,887 $1,637 $1,637
Nationwide $2,248 $2,248 $2,248 $2,248 $3,803 $3,803 $2,248 $2,248
Progressive $1,421 $1,421 $1,290 $1,290 $3,678 $3,678 $1,622 $1,622
State Farm $2,220 $2,220 $1,920 $1,920 $3,271 $3,271 $2,742 $2,742
Travelers $2,398 $2,398 $2,378 $2,378 $4,069 $4,069 $2,461 $2,461

Cheap Morehead City, North Carolina Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Morehead City, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,687 $12,687
GEICO $3,938 $3,905
Liberty Mutual $2,887 $2,887
Nationwide $3,803 $3,803
Progressive $3,678 $3,678
State Farm $3,271 $3,271
Travelers $4,069 $4,069

Cheap Morehead City, North Carolina Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Morehead City, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,364 $4,364
GEICO $2,144 $2,107
Liberty Mutual $1,694 $1,694
Nationwide $2,248 $2,248
Progressive $1,290 $1,290
State Farm $1,920 $1,920
Travelers $2,378 $2,378

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

Annual Morehead City, North Carolina Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,753 $6,625 $12,324 $5,082
GEICO $1,319 $1,985 $4,965 $1,845
Liberty Mutual $1,171 $1,503 $3,679 $1,503
Nationwide $1,551 $2,005 $4,985 $2,005
Progressive $935 $1,369 $4,382 $1,326
State Farm $1,362 $1,958 $4,876 $1,958
Travelers $1,687 $2,204 $5,241 $2,173

Cheap Morehead City, North Carolina Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Morehead City, North Carolina

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $12,324
GEICO $4,965
Liberty Mutual $3,679
Nationwide $4,985
Progressive $4,382
State Farm $4,876
Travelers $5,241

Cheap Morehead City, North Carolina Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Morehead City, North Carolina

Insurance Company Poor Fair Good
Allstate $9,402 $6,098 $5,339
GEICO $2,727 $2,517 $2,341
Liberty Mutual $1,964 $1,964 $1,964
Nationwide $2,637 $2,637 $2,637
Progressive $2,309 $1,943 $1,756
State Farm $3,563 $2,280 $1,772
Travelers $3,015 $2,747 $2,718

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Cheap Morehead City, North Carolina Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Morehead City, North Carolina

ZIP Code Average Annual Rates
28557 $2,775

Cheap Morehead City, North Carolina Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Morehead City, North Carolina

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,946 $6,946
GEICO $2,528 $2,528
Liberty Mutual $1,964 $1,964
Nationwide $2,637 $2,637
Progressive $2,003 $2,003
State Farm $2,526 $2,551
Travelers $2,827 $2,827

Cheap Morehead City, North Carolina Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Morehead City, North Carolina

Insurance Company Low Medium High
Allstate $6,698 $6,919 $7,221
GEICO $2,411 $2,519 $2,655
Liberty Mutual $1,871 $1,952 $2,069
Nationwide $2,531 $2,624 $2,755
Progressive $1,897 $1,990 $2,122
State Farm $2,430 $2,524 $2,660
Travelers $2,710 $2,811 $2,958

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Best By Category: Cheapest Auto Insurance in Morehead City, North Carolina

Compare the cheapest auto insurance companies in Morehead City, 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 Morehead City, 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 Morehead City, North Carolina Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Morehead City, North Carolina

Insurance Company Average Annual Rates
Allstate $6,946
GEICO $2,528
Liberty Mutual $1,964
Nationwide $2,637
Progressive $2,003
State Farm $2,538
Travelers $2,827

What affects auto insurance rates in Morehead City, North Carolina?

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

Morehead City Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Morehead City, North Carolina commute length is 16.9 minutes according to City-Data.

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Compare Morehead City, North Carolina Auto Insurance Quotes

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