Asheville, NC Car Insurance

What should residents of Asheville expect to pay for their car insurance? How do rates in Asheville measure up compared to neighboring areas, including North Carolina as a whole? Find the average cost breakdowns and determining factors in the charts and writeups below:

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How much is car insurance in Asheville?

The cost of coverage in Asheville is about $14 a month cheaper than it is for the rest of North Carolina.

Compared to the rest of the country, auto insurance in Asheville is more affordable. It's around $42 less to insure your vehicle compared to the average rate for the United States as a whole.

While these are the average car insurance rates for Asheville, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. 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.

Don't sweat it however, we've broken down average rates for Asheville residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay around $10 more than someone who is retirement aged.

You can expect to see your monthly premium drop every 10 years or so. Asheville drivers may see their rates begin to increase again once they hit retirement age.

Average Car Insurance Rates by Gender

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Asheville, however, men actually pay a little bit less than female drivers to insure their vehicle.

Average Auto Insurance Rates by Driving Record

Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Asheville, drivers with one accident on their record will experience rates around $40 a month. In addition, drivers with one ticket can expect to pay around $40 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

The cheapest vehicles to insure in Asheville are typically cars, with each type typically costing about $38 per month.

Meanwhile, Asheville drivers who own an SUV, truck, or van, can expect to pay about $39 for insurance.

You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Asheville, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Generally, those who have settled down into marriage will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

At a national level, single drivers usually pay more than married couples do for auto insurance. Asheville follows that pattern, with the difference totaling to around $5 a month.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your housing status. Those who own their own home in Asheville can expect to pay around $5 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.

Car Insurance Companies in Asheville, NC

Recent trends in car insurance for Asheville drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

Auto insurance rates in Asheville went up from 2017-2018, but began to turn downward in 2021. This pattern has continued through 2022 when rates have most recently hit $35.

How does Asheville compare to neighboring areas?

Why are car insurance rates in Asheville different from other areas?

There are a lot of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:

• Number of drivers in the area
• Crime levels
• Laws
• Road Safety (frequency of car accidents)
• Amount of off-street parking

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Asheville?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

But wait! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Asheville.

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Asheville Insurance FAQs

What factors affect car insurance quotes in Asheville?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

Why is the cost of car insurance in Asheville different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.

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 move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Asheville or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?