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How much is car insurance in Rocky Mount?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Rocky Mount is about $5 cheaper than it is in the rest of North Carolina.
Likewise, car insurance rates in Rocky Mount are more affordable than the national average. You can expect to pay about $33 below the national average for auto insurance in Rocky Mount.
Although these are the average monthly costs for an auto insurance policy in Rocky Mount, that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
We've analyzed the average rate for Rocky Mount and broken down the different factors to help you understand what your monthly bill might look like. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code 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|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, your rates may begin to increase again in Rocky Mount.
Average Car Insurance Rates by Gender
Although women typically pay less than men do to insure their vehicle, this is not the case in Rocky Mount, where female drivers pay around $53 per month while male drivers pay about $42.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records can expect to pay much less than those with infractions. Drivers in Rocky Mount with one accident will pay around $43 a month. In addition, drivers with one ticket can expect to pay around $59 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$38|
|15 Years or Older||$55|
As you can see in the first table above, the cheapest vehicles to insure in Rocky Mount are typically trucks and vans, which run about $35 per month.
Car owners can expect to pay an average of around $44 a month for their policy, while SUVs usually cost around $65 a month to insure.
Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Rocky Mount, 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)||$50|
Generally speaking, people who are married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
The difference in rates based on relationship status in Rocky Mount can be as much as $5 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$65|
Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $6 less than homeowners in Rocky Mount. 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 Rocky Mount, NC
Recent trends in car insurance for Rocky Mount drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
Auto insurance rates in Rocky Mount decreased from 2017-2019, where they hit a low of $37, before steadying out in 2020. Since 2021, car insurance rates have once again been decreasing and reached $39 in 2022.
How does Rocky Mount compare to neighboring areas?
Why are car insurance rates in Rocky Mount different from other areas?
There are a number of factors car insurance companies will consider when deciding how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Number of drivers in the area
- Availability of off-street parking
- Local regulations
- Local crime rates
- Rate of car accidents
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Rocky Mount?
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.
But wait! Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering auto coverage in Rocky Mount.
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Rocky Mount Insurance FAQs
What factors affect car insurance quotes in Rocky Mount?
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 driving record, address, credit score, and marital status.
Why is the cost of car insurance in Rocky Mount 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 Rocky Mount?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 Rocky Mount?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Rocky Mount or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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