Lillington, NC Car Insurance

Residents of Lillington pay around $45 monthly for their car insurance coverage. We cover plan rates, policies and more in our guide below.
What can Lillington residents expect to pay for their car insurance? How does Lillington compare to the surrounding area and the rest of North Carolina? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Lillington?

Area Average Monthly Car Insurance Premium
Lillington$45
NC$54
United States$80

Looking at the chart above, you can see it's around $9 a month cheaper to insure your vehicle in Lillington than it is in the rest of North Carolina.

When stacked up against the national average, the average monthly policy payment for Lillington is more affordable. The average monthly payment in Lillington is about $35 less than the rate for the rest of the U.S.

While these are the average car insurance rates for Lillington, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.

Don't worry, we've done the work for you and broken down average rates for Lillington to help you get a more accurate idea of what you'll be charged for your policy. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$87
25-34$49
35-44$31
45-54$38
55-64Not Enough Data
65+$45

It would make sense that older drivers have more driving experience, right? When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay $42 more than drivers of retirement age.

You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may climb back up in Lillington.

Average Car Insurance Rates by Gender

Gender Average
Male$41
Female$60

Although women typically pay less than men do for auto insurance, this is not the case in Lillington, where female drivers pay around $19 more a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$44
Multiple Accidents$48
1 TicketNot Enough Data
Multiple TicketsNot Enough Data

Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. Drivers in Lillington with a single accident will pay around $44 a month.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. 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$56
2-3 YearsNot Enough Data
4-5 Years$99
6-7 YearsNot Enough Data
8-10 Years$43
11-14 Years$43
15 Years or Older$40

In terms of affordable coverage, the cheapest vehicles to insure in Lillington are typically SUVs and cars, at $43 per month.

SUV owners, on the other hand, by and large pay around $43 per month, while truck and van drivers can expect to pay about $68 a month for car insurance coverage.

Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. In Lillington, the most expensive vehicles to insure are vehicles four-to-five years old and less than or equal to one-year-old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$45
Married$41
Divorced$44
Widowed$48

Overall, those who are currently married will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Lillington is about $4 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$32
Rent$69
Live with parents$100

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Lillington, expect to pay around $37 a month more than if you own your home. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Lillington, NC

Recent trends in car insurance for Lillington drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

The rates for auto insurance in Lillington had been increasing from 2016-2017, when they reached a high of $88, but began to decrease from 2018-2019. They finished down in 2021, at $32 per month.

How does Lillington compare to neighboring areas?

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

There are a variety of factors car insurance companies will consider when deciding how much to charge for a monthly rate. Many factors affecting your policy are based around where you live and drive. These factors include things like:

  • Road Safety (frequency of car accidents)
  • Access to off-street parking
  • Total number of drivers in the area
  • Area regulations
  • Area crime rates

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering 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 Lillington?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But hold on! Compare.com can handle all of this for you. Just enter your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from the many car insurance companies offering policies in Lillington.

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Lillington Insurance FAQs

What factors affect car insurance quotes in Lillington?

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

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

Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Lillington?

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 Lillington?

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. 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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