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How much is car insurance in Huntersville?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Huntersville is about $6 cheaper than it is in the rest of North Carolina.
Drivers relocating from out of state may enjoy some cost savings in Huntersville. It's around $34 less to insure your vehicle compared to the average rate for the United States as a whole.
While these are the average monthly costs for auto insurance coverage in Huntersville, you could end up paying something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
Don't sweat it however, we've broken down average rates for Huntersville residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay about $15 more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates climb back up a bit in Huntersville.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. While this isn't true in Huntersville, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Huntersville, drivers with one accident on their record will experience rates around $39 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $104.
Accidents, tickets, and other driving infractions can really hurt your wallet. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$43|
|15 Years or Older||$39|
The cheapest vehicles to insure in Huntersville are usually trucks and vans, with each type typically costing about $40 per month.
Car owners will see a monthly bill of about $50, while SUV owners typically pay around $41 per month.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, you may see your bill start to shrink a bit. In Huntersville, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$45|
Generally speaking, married policyholders will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Huntersville, with married couples paying about $9 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$55|
Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $5 less than homeowners in Huntersville. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Huntersville, NC
Recent trends in car insurance for Huntersville drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
In Huntersville, auto insurance rates increased from 2016-2018, when they hit a high of $65. This leveled out in 2019, when they began to turn downward again. They finished up in 2021, at $44 a month
How does Huntersville compare to neighboring areas?
Why are car insurance rates in Huntersville different from other areas?
There are many factors car insurance companies will consider when choosing how much to charge for a monthly rate. Many factors affecting your policy are based around where you call home. These factors include things like:
- Frequency of car accidents
- Regional laws
- Number of drivers in the region
- Availability of off-street parking
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Knowing 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 Huntersville?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in Huntersville.
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Huntersville Insurance FAQs
What factors affect car insurance quotes in Huntersville?
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 marital status, credit score, address, and driving record.
Why is the cost of car insurance in Huntersville different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, 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 Huntersville?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Huntersville?
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 Huntersville 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?
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