Table of contents
How much is car insurance in Asheville?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Asheville are about $15 a month cheaper than in the rest of North Carolina.
If you're thinking of moving to Asheville from out of state, you may still be in luck. It's about $41 cheaper to insure your vehicle in Asheville compared to the average rate for the United States as a whole.
Although these are the average rates for auto insurance in Asheville, it's important to remember that you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've analyzed the average rate for Asheville and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay $14 more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates rise again in Asheville.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Asheville, although men do pay a bit less on their monthly insurance rates, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will obviously pay significantly less than those with infractions. In Asheville, a driving record with a single accident will usually get you a rate around $41 a month. In addition, drivers with a single ticket on their record can expect to pay around $53 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$29|
|15 Years or Older||$40|
In Asheville, the cheapest vehicles to insure are typically cars, with drivers paying around $38 per month for insurance coverage.
SUV owners, on the other hand, by and large pay around $40 per month, while truck and van drivers can expect to pay about $43 a month for car insurance coverage.
You may also see different rates based on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your rates begin to drop back down. In Asheville, the most expensive vehicles to insure are vehicles four-to-five years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$38|
Generally speaking, those who are currently married will pay slightly less for auto insurance. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Asheville reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $6 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$77|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment in Asheville, expect to pay around $10 a month more than if you own your home. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Asheville, NC
Recent trends in car insurance for Asheville drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The rates for car insurance in Asheville had been increasing from 2016-2018, before steadying out in 2019. They finished down in 2021, at $40 per month
How does Asheville compare to neighboring areas?
Why are car insurance rates in Asheville different from other areas?
There are a variety of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:
- Amount of off-street parking
- Regional regulations
- Road Safety (how many accidents each locality has)
- Number of drivers in the region
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Asheville?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But wait! Compare.com has you covered. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing policies in Asheville in no time.
Asheville Insurance FAQs
What factors affect car insurance quotes in Asheville?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Asheville different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Asheville?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Asheville?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Asheville or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.