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How much is car insurance in Rocky Mount?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Rocky Mount are about $5 a month cheaper than in the rest of North Carolina.
Similarly, the expected monthly payments for an auto insurance policy in Rocky Mount are below the national average. It's about $31 cheaper than the national average to insure your vehicle in Rocky Mount.
These rates may be the average amount residents of Rocky Mount pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. 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 payment amount.
We've analyzed the average rate for Rocky Mount and broken down the different factors to help you understand what exactly you might be asked to 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may climb back up in Rocky Mount.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men to insure their vehicle, in Rocky Mount men actually pay $42 per month for coverage while women pay $56.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. The rate for drivers in Rocky Mount with a single accident on their record is about $43 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $42 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||Not Enough Data|
|15 Years or Older||$59|
According to the first table above, the cheapest vehicles to insure in Rocky Mount are usually trucks and vans, at $35 per month.
SUV drivers will see rates of about $70, while the rates for car owners average out to about $44 a month.
Vehicle 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 around 5 years old, however, you may see your rates begin to drop back down. In Rocky Mount, the most expensive vehicles to insure are vehicles four-to-five years old and fifteen years and older.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$51|
More often than not, people who are married will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
The difference in rates based on relationship status in Rocky Mount is about $5 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||$65|
Another factor that comes into play is your living situation. Renters can expect to pay around $7 a month less than homeowners in Rocky Mount. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
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 choosing an insurance policy.
Car insurance rates in Rocky Mount went up from 2016-2017, when they reached a high of $63, but began to decrease from 2018-2019. They finished down in 2021, at $41 per month.
How does Rocky Mount compare to neighboring areas?
Why are car insurance rates in Rocky Mount different from other areas?
Car insurance companies look at many factors when they're choosing how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Road safety
- Off-street parking access
- Total amount of drivers in the area
- Area laws
- Rate of crime
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Rocky Mount?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Luckily, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from the many car insurance companies providing policies in Rocky Mount.
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 age and gender, but also factors like your credit score, address, marital status and driving record.
Why is the cost of car insurance in Rocky Mount 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 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.