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How Cities in North Carolina Ranked on Car Insurance Costs

Contents

Five Least Expensive Places
Five Most Expensive Places
Full List of Cities Studied
How We Conducted the Study

We analyzed quotes to study how much car insurance costs are impacted by location in North Carolina. Having examined more than a 100 cities in the state, we found that costs can range by as much as 35% between the most expensive place (Fayetteville, NC) and the most affordable city (Asheville, NC). For the sample driver in our study, that translated to an annual cost difference of $252 between the two cities. 

Least Expensive Places

Out of the more than 100 cities, the five that ranked as the least expensive are all located in the Western half of the state. Quotes here ranged from 6-10% lower than the state average for our sample driver. The graph below depicts the five areas on the more affordable side of the spectrum compared to the state benchmark. 

Cities with the lowest car insurance rates in North Carolina.

Asheville, NC

Home to over 83,000, Asheville is the least expensive city in our North Carolina study. Our sample driver living here would see rates that are 10%, or $82, less than the state average. The world’s biggest active archive of weather data can be found at the United States National Climatic Data Center located in Asheville.

Mebane, NC

Originally called Mebanesville, Mebane was named after the Revolutionary War general, Alexander Mebane, Jr. Costs collected in our study here were 6% lower than the the North Carolina mean. This meant a cost difference of $52 per year for our sample driver compared to living in other cities in the state.

Winston-Salem, NC

Winston-Salem is the corporate headquarters for many large companies such as Krispy Kreme Doughnuts and HanesBrands, Inc. Based on our motorist, Winston-Salem quotes were generally 6% lower than the state average. In other words, he would pay $52 less than the the state benchmark if he lived here.  

Black Mountain, NC

Unique shops and bed & breakfasts attract tourists to this town of 8,000 residents. Insurance coverage here cost our profiled driver 6% less than the state average, which amounted to an annual difference of $48 for him. 

King, NC

The town of King was once known as King’s Cabin after the King family that once occupied the lodging. Compared to the other towns and cities in the state, our driver saw rates in King that were 6% less than the state average (in terms of dollars, $46 less).

Most Expensive Places

The most expensive places for auto insurance tended to be in the southern half of North Carolina. Depending on where our driver lived in these five places, rates could range from 13-21% more than the state average, a range of $170 at most. Below is a graph showing the five cities compared to the state benchmark.

Cities with the highest car insurance rates in North Carolina.

Fayetteville, NC

Fayetteville ranked as the most expensive place in our North Carolina study of auto insurance costs, based on quotes collected for our driver. On average, his costs here were 21% higher than the state mean, which translated to a $170 difference. This city almost became the capital of the state, but lost by one vote to Raleigh.

Whiteville, NC

This city of 5,000 residents is the largest in Columbus County. Our profiled motorist living in Whiteville received quotes that were 16% higher than the state average here, which equaled to an annual difference of $129 for him. 

Lumberton, NC

Lumberton was once a shipping point for lumber, perhaps the reason behind the name of the city. Costs were 15% higher than the state benchmark, meaning that our driver could potentially pay $119 more than the state average if he lived here.

Raeford, NC

Based on our studied driver profile, costs in Raeford were 15% above the North Carolina mean, which translates to an annual cost difference of $119. Raeford’s population of 5,000 people is spread over 4 square miles in Hoke County.  

Laurinburg, NC

Rounding out our list of the five most expensive places in NC is Laurinburg. If our sample driver lived here, he would find rates that were 13% higher, or $106 more, than the state average. Laurinburg is home to St. Andrews University and the Laurinburg Institute.  

How Costs Differ in North Carolina by Place

We surveyed 113 places in North Carolina and found the state average cost of car insurance to be $807 a year for our profiled driver. Depending on where he lived in the state, costs could range from being 10% lower than to 21% higher than the state average. Here is a table of the cities ranked from low to high:

RankCityAverage Annual RateRate Difference
1 Asheville $725 -10%
2 Mebane 755 -6%
3 Winston Salem 755 -6%
4 Black Mountain 759 -6%
5 King 761 -6%
6 Spruce Pine 761 -6%
7 Concord 763 -6%
8 Lexington 764 -5%
9 Kannapolis 766 -5%
10 Salisbury 767 -5%
11 Andrews 768 -5%
12 Bryson City 768 -5%
13 Cashiers 768 -5%
14 Franklin 768 -5%
15 Greensboro 768 -5%
16 Highlands 768 -5%
17 Murphy 768 -5%
18 Robbinsville 768 -5%
19 Sylva 768 -5%
20 Waynesville 768 -5%
21 Hendersonville 769 -5%
22 Mocksville 769 -5%
23 Thomasville 769 -5%
24 Hillsborough 770 -5%
25 Marion 771 -4%
26 Boone 772 -4%
27 Tryon 773 -4%
28 Burlington 773 -4%
29 Forest City 773 -4%
30 Rutherfordton 773 -4%
31 West Jefferson 775 -4%
32 Albemarle 776 -4%
33 Asheboro 776 -4%
34 Denton 776 -4%
35 Lenoir 776 -4%
36 Locust 776 -4%
37 Morganton 776 -4%
38 Statesville 776 -4%
39 Troy 776 -4%
40 Denver 777 -4%
41 Shelby 777 -4%
42 Eden 778 -4%
43 Hickory 778 -4%
44 Reidsville 778 -4%
45 Siler City 778 -4%
46 Southern Pines 778 -4%
47 Elkin 779 -3%
48 Sparta 779 -3%
49 New Bern 780 -3%
50 Newton 780 -3%
51 Taylorsville 780 -3%
52 Mount Airy 781 -3%
53 Wake Forest 781 -3%
54 Yadkinville 781 -3%
55 Lincolnton 785 -3%
56 North Wilkesboro 785 -3%
57 Cary 787 -3%
58 Zebulon 788 -2%
59 Havelock 790 -2%
60 Kinston 790 -2%
61 Mooresville 790 -2%
62 Huntersville 793 -2%
63 Wilson 793 -2%
64 Monroe 794 -2%
65 Rockingham 794 -2%
66 Wadesboro 794 -2%
67 Raleigh 795 -1%
68 Yanceyville 799 -1%
69 Greenville 802 -1%
70 Creedmoor 804 0%
71 Goldsboro 808 0%
72 Fremont 813 1%
73 Jamestown 813 1%
74 Chapel Hill 815 1%
75 High Point 820 2%
76 Morehead City 825 2%
77 Nags Head 825 2%
78 Oriental 825 2%
79 Washington 827 2%
80 Hampstead 828 3%
81 Swansboro 828 3%
82 Warrenton 830 3%
83 Elizabeth City 831 3%
84 Rocky Mount 832 3%
85 Louisburg 835 3%
86 Carolina Beach 836 4%
87 Wilmington 836 4%
88 Wrightsville Beach 836 4%
89 Burgaw 837 4%
90 Clinton 837 4%
91 Henderson 837 4%
92 Roxboro 837 4%
93 Mount Olive 838 4%
94 Ahoskie 840 4%
95 Durham 841 4%
96 Roanoke Rapids 841 4%
97 Gastonia 842 4%
98 Elizabethtown 844 5%
99 Charlotte 851 5%
100 Princeton 891 10%
101 Kenly 895 11%
102 Southport 896 11%
103 Clayton 902 12%
104 Smithfield 902 12%
105 Sanford 903 12%
106 Shallotte 904 12%
107 Dunn 908 12%
108 Jacksonville 913 13%
109 Laurinburg 913 13%
110 Lumberton 926 15%
111 Raeford 926 15%
112 Whiteville 936 16%
113 Fayetteville 977 21%

How We Conducted the Study & Minimum Coverage Requirements

For the purpose of the study, we collected 1,254 auto insurance quotes from 11 unique car insurance carriers for a single 30-year-old single man. The policy quoted for was for a 2011 Toyota Camry, owned by the sample driver and used to commute, with a 12,000 average annual mileage. We kept all variables constant except the locations used to collect the quotes. The insurance coverage chosen for our study was higher than the North Carolina minimum requirements. Below is a table comparing the required insurance coverage with limits used in our study.

Coverage TypeState Req. LimitsStudy Assumption Limits
Bodily Injury (BI) $30,000 per person / $60,000 per accident $50,000 per person / $100,000 per accident
Property Damage (PD) $25,000 per accident $50,000 per accident
Uninsured Motorist BI $30,000 per person / $60,000 per accident $50,000 per person / $100,000 per accident

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