What rates can residents of Elizabeth City expect to pay for their car insurance? Compared to their surrounding area, how do rates in Elizabeth City stack up? What about against the rest of North Carolina? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:
In This Article:
- Average Car Insurance Rates in Elizabeth City
- Average Rates by Age
- Average Rates for Men vs. Women
- How Your Driving Record Affects Rates
- Recent Rate Trends
- Frequently Asked Questions
How much is car insurance in Elizabeth City?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Elizabeth City | $41 |
| NC | $53 |
| United States | $81 |
Based on the above chart, auto insurance policies in Elizabeth City are about $12 a month cheaper than in the rest of North Carolina.
Similarly, when compared to the national average, the cost for auto insurance in Elizabeth City is lower. Car insurance rates for the U.S. as a whole are, on average, $40 more expensive than the rates you'd pay in Elizabeth City.
Keep in mind that while these are the average car insurance rates for Elizabeth City, it isn't guaranteed that it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. The final dollar amount you'll be asked to pay each month 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 average rates for Elizabeth City residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to 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 |
| 18-24 | $47 |
| 25-34 | $47 |
| 35-44 | $36 |
| 45-54 | $34 |
| 55-64 | $26 |
| 65+ | $29 |
It makes sense that the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance rates. According to the table above, you can see that 18-24-year-olds pay $18 more than someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement, however, your rates may climb back up in Elizabeth City.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $43 |
| Female | $40 |
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Elizabeth City, although women do pay a little bit less on their monthly auto insurance coverage, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $45 |
| Multiple Accidents | $66 |
| 1 Ticket | $65 |
| Multiple Tickets | $70 |
Your rates can change quite drastically depending on your driving record. Drivers with clean records can expect to pay less than those with accidents or violations. Drivers in Elizabeth City with a single accident will pay around $45 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $65.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $66 |
| 2-3 Years | $49 |
| 4-5 Years | Not Enough Data |
| 6-7 Years | $37 |
| 8-10 Years | $39 |
| 11-14 Years | $43 |
| 15 Years or Older | $41 |
In terms of affordable coverage, the cheapest vehicles to insure in Elizabeth City are typically SUVs, at $35 per month.
Truck and van drivers will see rates of about $52 for insurance coverage, while car owners by and large pay around $40 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. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Elizabeth City are vehicles less than or equal to one-year-old and two-to-three years old.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $43 |
| Married | $33 |
| Divorced | $40 |
More often than not, married policyholders will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Elizabeth City 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 |
|---|---|
| Own | $40 |
| Rent | $42 |
| Live with parents | $34 |
Another factor that comes into play is your living accommodations. In Elizabeth City, homeowners can expect to pay around $2 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Elizabeth City, NC
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Recent trends in car insurance for Elizabeth City drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
The rates for car insurance in Elizabeth City dropped from 2016-2019, before leveling out in 2020. They finished down in 2021, at $38 per month
How does Elizabeth City compare to neighboring areas?
Why are car insurance rates in Elizabeth City different from other areas?
Car insurance companies take in numerous factors when figuring out how much individual insurance policies will cost. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
- Road Safety (how many accidents each locality has)
- Local laws
- Local crime rates
- Off-street parking availability
- Number of drivers in the region
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. With the knowledge 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 Elizabeth City?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Don't worry, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Elizabeth City.
Find your best rate in just a few minutes
Elizabeth City Insurance FAQs
What factors affect car insurance quotes in Elizabeth City?
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 age and gender, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Elizabeth City different from other neighboring cities?
Crime rates, local laws, and parking situations -- 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 Elizabeth City?
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 Elizabeth City?
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 Elizabeth City 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.