Best Cheap Auto Insurance in Waynesville, NC (2021)

The average Waynesville, NC auto insurance rates are $245 per month. The minimum auto insurance in Waynesville is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Waynesville, 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 cheapest auto insurance company in Waynesville is Liberty Mutual
  • The most expensive auto insurance company in Waynesville for teen drivers is Allstate
  • The minimum auto insurance required in Waynesville, North Carolina is 30/60/25

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

Compare auto insurance in Waynesville to other North Carolina cities, including Concord auto insurance rates, Winston-Salem auto insurance rates, and Greensboro auto insurance rates to see how Waynesville, North Carolina auto insurance rates stack up.

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

Minimum Auto Insurance in Waynesville, North Carolina

Waynesville, 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 Waynesville, North Carolina.

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

Auto insurance rates in Waynesville, 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 Waynesville, 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 $1,562 $1,562 $1,441 $1,441 $3,546 $3,546 $1,719 $1,719
State Farm $2,007 $2,007 $1,737 $1,737 $2,956 $2,956 $2,479 $2,479
Travelers $2,272 $2,272 $2,253 $2,253 $3,870 $3,870 $2,332 $2,332

Cheap Waynesville, North Carolina Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Waynesville, 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 $3,546 $3,546
State Farm $2,956 $2,956
Travelers $3,870 $3,870

Cheap Waynesville, North Carolina Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Waynesville, 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 $1,441 $1,441
State Farm $1,737 $1,737
Travelers $2,253 $2,253

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

Annual Waynesville, 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 $985 $1,440 $4,450 $1,392
State Farm $1,226 $1,769 $4,414 $1,769
Travelers $1,568 $2,106 $5,000 $2,053

Cheap Waynesville, North Carolina Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Waynesville, 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 $4,450
State Farm $4,414
Travelers $5,000

Cheap Waynesville, North Carolina Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Waynesville, 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 $2,303 $2,020 $1,878
State Farm $3,221 $2,061 $1,602
Travelers $2,879 $2,606 $2,561

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Cheap Waynesville, North Carolina Auto Insurance Rates By ZIP Code

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

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

ZIP Code Average Annual Rates
28785 $2,668
28786 $2,662

Cheap Waynesville, North Carolina Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Waynesville, 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 $2,067 $2,067
State Farm $2,286 $2,303
Travelers $2,682 $2,682

Cheap Waynesville, North Carolina Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Waynesville, 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 $1,974 $2,055 $2,172
State Farm $2,214 $2,283 $2,387
Travelers $2,579 $2,668 $2,798

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

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

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

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

Insurance Company Average Annual Rates
Allstate $6,545
GEICO $2,672
Liberty Mutual $1,866
Nationwide $2,446
Progressive $2,067
State Farm $2,295
Travelers $2,682

What affects auto insurance rates in Waynesville, North Carolina?

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

Waynesville Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Waynesville, North Carolina commute length is 20.3 minutes according to City-Data.

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Compare Waynesville, North Carolina Auto Insurance Quotes

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