Best Cheap Auto Insurance in Murphy, NC (2021)

The average Murphy, NC auto insurance rates are $246 per month. The minimum auto insurance in Murphy is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Murphy, 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 average commute length in Murphy is 13.4 minutes
  • The most expensive auto insurance company in Murphy for teen drivers is Allstate
  • The cheapest auto insurance company in Murphy is Liberty Mutual

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

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

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

Minimum Auto Insurance in Murphy, North Carolina

Murphy, 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 Murphy, North Carolina.

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

Auto insurance rates in Murphy, 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 Murphy, 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 $4,968 $4,968 $4,074 $4,074 $12,070 $12,070 $5,066 $5,066
GEICO $2,276 $2,231 $2,238 $2,195 $4,261 $4,222 $1,983 $1,971
Liberty Mutual $1,552 $1,552 $1,606 $1,606 $2,754 $2,754 $1,552 $1,552
Nationwide $2,080 $2,080 $2,080 $2,080 $3,544 $3,544 $2,080 $2,080
Progressive $1,566 $1,566 $1,445 $1,445 $3,565 $3,565 $1,727 $1,727
State Farm $2,109 $2,109 $1,824 $1,824 $3,104 $3,104 $2,605 $2,605
Travelers $2,272 $2,272 $2,253 $2,253 $3,870 $3,870 $2,332 $2,332

Cheap Murphy, North Carolina Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,070 $12,070
GEICO $4,261 $4,222
Liberty Mutual $2,754 $2,754
Nationwide $3,544 $3,544
Progressive $3,565 $3,565
State Farm $3,104 $3,104
Travelers $3,870 $3,870

Cheap Murphy, North Carolina Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,074 $4,074
GEICO $2,238 $2,195
Liberty Mutual $1,606 $1,606
Nationwide $2,080 $2,080
Progressive $1,445 $1,445
State Farm $1,824 $1,824
Travelers $2,253 $2,253

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

Annual Murphy, North Carolina Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,557 $6,219 $11,600 $4,804
GEICO $1,492 $2,169 $5,019 $2,008
Liberty Mutual $1,114 $1,428 $3,492 $1,428
Nationwide $1,442 $1,862 $4,616 $1,862
Progressive $986 $1,442 $4,483 $1,392
State Farm $1,286 $1,858 $4,640 $1,858
Travelers $1,568 $2,106 $5,000 $2,053

Cheap Murphy, North Carolina Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $11,600
GEICO $5,019
Liberty Mutual $3,492
Nationwide $4,616
Progressive $4,483
State Farm $4,640
Travelers $5,000

Cheap Murphy, North Carolina Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $8,861 $5,754 $5,019
GEICO $2,901 $2,658 $2,457
Liberty Mutual $1,866 $1,866 $1,866
Nationwide $2,446 $2,446 $2,446
Progressive $2,317 $2,029 $1,881
State Farm $3,385 $2,165 $1,682
Travelers $2,879 $2,606 $2,561

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Cheap Murphy, North Carolina Auto Insurance Rates By ZIP Code

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

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

ZIP Code Average Annual Rates
28906 $2,680

Cheap Murphy, North Carolina Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,545 $6,545
GEICO $2,672 $2,672
Liberty Mutual $1,866 $1,866
Nationwide $2,446 $2,446
Progressive $2,076 $2,076
State Farm $2,401 $2,420
Travelers $2,682 $2,682

Cheap Murphy, North Carolina Auto Insurance Rates By Coverage Level

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

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

Insurance Company Low Medium High
Allstate $6,349 $6,524 $6,761
GEICO $2,559 $2,663 $2,794
Liberty Mutual $1,783 $1,854 $1,960
Nationwide $2,355 $2,434 $2,548
Progressive $1,983 $2,064 $2,181
State Farm $2,329 $2,399 $2,504
Travelers $2,579 $2,668 $2,798

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

Compare the cheapest auto insurance companies in Murphy, 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 Murphy, North Carolina

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

The Cheapest Murphy, North Carolina Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $6,545
GEICO $2,672
Liberty Mutual $1,866
Nationwide $2,446
Progressive $2,076
State Farm $2,410
Travelers $2,682

What affects auto insurance rates in Murphy, North Carolina?

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

Murphy Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Murphy, North Carolina commute length is 13.4 minutes according to City-Data.

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Compare Murphy, North Carolina Auto Insurance Quotes

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

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