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How much is car insurance in Morrisville?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that it's about $5 a month cheaper to insure your vehicle in Morrisville than it is in the rest of North Carolina.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Morrisville is rather affordable. The average monthly payment in Morrisville is about $33 cheaper than the rate for the rest of the United States.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies take in a variety of factors when determining how much to charge you for coverage. 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 the average rate for Morrisville residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Find your best rate in just a few minutes
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
|55-64||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay around $17 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Morrisville drivers may see their rates rise again once they hit retirement age.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. The difference in Morrisville is about $10 per month. As you can see in the table above, female drivers in the area typically pay $40 on average, while female drivers typically pay $50 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Morrisville with a single accident on their record will usually see rates around $39 a month. Likewise, drivers with one ticket will be looking at a rate of around $103 a month on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$43|
|15 Years or Older||$100|
The cheapest vehicles to insure in Morrisville are typically SUVs, with each type typically costing about $38 per month.
SUV owners will see rates of about $38, while truck and van owners usually pay around $187 a month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. In Morrisville, the most expensive vehicles to insure are vehicles fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$46|
The difference in rates based on relationship status in Morrisville is about $10 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$37|
Another factor that comes into play is your living situation. Renters can expect to pay around $12 a month more than drivers who own property in Morrisville. Those who live with their parents, however, can expect to pay a lot 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 Morrisville, NC
Recent trends in car insurance for Morrisville drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Morrisville, auto insurance rates decreased from 2017-2018, before steadying out in 2019. Insurance rates finished down in 2022, at $41 per month
How does Morrisville compare to neighboring areas?
Why are car insurance rates in Morrisville different from other areas?
Car insurance companies take in many factors when choosing how much individual insurance policies will cost. Where you live will also have a significant impact on your personal policy. This may include things like:
- Road Safety (frequency of local car accidents)
- Crime rates
- Off-street parking access
- Total drivers
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider 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 Morrisville?
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.
Good news! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Morrisville.
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Morrisville Insurance FAQs
What factors affect car insurance quotes in Morrisville?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Morrisville different from other neighboring cities?
Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Morrisville?
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 Morrisville?
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. 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 Morrisville 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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