Table of contents
How much is car insurance in Elizabeth City?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $12 a month cheaper to insure your vehicle in Elizabeth City than it is in the rest of North Carolina.
If you're thinking of moving to Elizabeth City from out of state, you may still be in luck. The average monthly payment in Elizabeth City is about $38 less than the rate for the rest of the U.S.
Although these are the average rates for auto insurance in Elizabeth City, it's important to remember that you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Your monthly premium 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 Elizabeth City residents so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay $22 more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may rise again in Elizabeth City.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. The price for car insurance in Elizabeth City, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Accidents||Not Enough Data|
|1 Ticket||Not Enough Data|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Elizabeth City, drivers with one accident on their record will experience rates around $48 a month.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|4-5 Years||Not Enough Data|
|15 Years or Older||$43|
If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Elizabeth City, with drivers paying around $35 per month for auto insurance coverage.
Car owners will see rates of about $42, while truck and van owners usually pay around $47 a month.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is close to 5 years old. The most expensive vehicles to insure in Elizabeth City are vehicles two-to-three years old and eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$45|
More often than not, those who are currently married will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Elizabeth City can be as much as $12 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$33|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $8 a month more than if you own your own home in Elizabeth City. But if you live with your parents, your rates will be significantly higher.
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 average premiums.
Car Insurance Companies in Elizabeth City, NC
Recent trends in car insurance for Elizabeth City drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
The cost of auto insurance in Elizabeth City had been decreasing from 2016-2019, before leveling out in 2020. Policy premiums finished down in 2021, at $36 per month
How does Elizabeth City compare to neighboring areas?
Why are car insurance rates in Elizabeth City different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate many factors. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Total number of drivers in the region
- General road safety (how many accidents each locality has)
- Access to off-street parking
- Area regulations
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Elizabeth City?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer auto coverage in Elizabeth City.
Elizabeth City Insurance FAQs
What factors affect car insurance quotes in Elizabeth City?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Elizabeth City different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, 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 Elizabeth City?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Elizabeth City?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Elizabeth City or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?