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How much is car insurance in Lillington?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $9 a month cheaper to insure your vehicle in Lillington than it is in the rest of North Carolina.
Similarly, the expected monthly payments for an auto insurance policy in Lillington are below the national average. It's about $37 cheaper to insure your vehicle in Lillington compared to the average rate for the U.S. as a whole.
Keep in mind that these are the average auto insurance rates for Lillington, and that the rate you get could end up being something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Lillington residents 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, simply enter your ZIP below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|55-64||Not Enough Data|
It would make sense that older drivers have more driving experience, right? 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 a lot more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, you may see your rates creep back up a bit in Lillington.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Lillington bucks this trend. Female drivers typically pay around $12 more a month for auto insurance than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Lillington, drivers with one accident on their record will experience rates around $44 a month. In addition, drivers with one ticket can expect to pay around $79 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$56|
|2-3 Years||Not Enough Data|
|15 Years or Older||$40|
According to the first table above, the cheapest vehicles to insure in Lillington are usually SUVs, at $39 per month.
Truck and van drivers will see rates of about $54 for car insurance coverage, while SUV owners typically pay around $39 per month.
Vehicle age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Lillington, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$44|
Generally, those who have settled down into marriage will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups in Lillington are about the same.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$100|
One other element taken into consideration is your living accommodations. In Lillington, homeowners can expect to pay around $23 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Lillington, NC
Recent trends in car insurance for Lillington drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Lillington, the rates for auto insurance increased from 2016-2017, when they reached a high of $88, but began to decrease from 2018-2019. They finished down in 2021, at $35.
How does Lillington compare to neighboring areas?
Why are car insurance rates in Lillington different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Off-street parking access
- Regional regulations
- Road Safety (frequency of car accidents)
- Crime levels
- Amount of drivers
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Lillington?
While getting familiar with 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.
Luckily, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Lillington.
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Lillington Insurance FAQs
What factors affect car insurance quotes in Lillington?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, 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 Lillington different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Lillington?
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 Lillington?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Lillington 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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