Garner, NC Car Insurance

Garner drivers pay, on average, around $48 a month for their car insurance. Read our guide below to learn more about your specific rates.
What rates should residents of Garner expect to pay for their car insurance? How do rates in Garner measure up compared to neighboring areas, including North Carolina as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Garner?

Area Average Monthly Car Insurance Premium
Garner$48
NC$53
United States$81

According to the chart above, the average cost of auto insurance in North Carolina is about $5 a month more expensive than it is in Garner.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Garner is rather affordable. The average monthly payment in Garner is about $33 less than the rate for the rest of the United States.

While these numbers are the average rates for auto insurance in Garner, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

We've done the heavy lifting for you and broken down the average rate for Garner so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$55
25-34$46
35-44$39
45-54Not Enough Data
55-64Not Enough Data
65+$63

For every 10 years, you can expect to see a drop in your monthly premium. Drivers in Garner may see their rates creep back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$47
Female$51

Although women typically pay less than men do for auto insurance, this is not the case in Garner, where female drivers pay around $4 more per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$45
Multiple Accidents$56
1 Ticket$88
Multiple TicketsNot Enough Data

Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Garner with a single accident on their record will usually see rates around $45 a month. In addition, drivers with one ticket can expect to pay around $88 a month on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$43
2-3 Years$48
4-5 Years$48
6-7 Years$44
8-10 Years$47
11-14 Years$47
15 Years or Older$53

As you can see in the first table above, the cheapest vehicles to insure in Garner are typically trucks and vans, which run about $22 per month.

Car owners, on the other hand, usually pay around $51 a month, while SUV drivers can expect to pay about $45 per month for insurance coverage.

Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old however, your rates may start to dip back down a bit. In Garner, vehicles fifteen years and older are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$50
Married$42
Divorced$33
Widowed$95

Generally, those who have settled down into marriage will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Garner as well, where the difference is around $8 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$46
Rent$50
Live with parents$38

Another factor that comes into play is your housing situation. In Garner, homeowners can expect to pay around $4 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Garner, NC

Recent trends in car insurance for Garner 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.

The rates for car insurance in Garner had been increasing from 2017-2018, where they hit a high of $68, before steadying out in 2019. Policy premiums increased again in 2020, and finished down at $39 in 2022.

How does Garner compare to neighboring areas?

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

There are a lot of factors car insurance companies take into consideration when figuring out how much to charge for coverage. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Area laws
  • Amount of off-street parking
  • Crime rates
  • Total amount of drivers in the area
  • General road safety (how many accidents each locality has)

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. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Garner?

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.

But wait! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Garner.

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Garner Insurance FAQs

What factors affect car insurance quotes in Garner?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, address, marital status and driving record.

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

Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations 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 Garner?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Garner?

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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Garner or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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