Cheap Auto Insurance Quotes in Asheville, NC (2021)

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Car Insurance in Asheville, NC

The average cost of North Carolina car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Asheville, NC to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$33
$35
$53
$62
$80
AllstateProgressiveGEICOTravelersNationwide
Monthly $

Cheapest Car Insurance in Asheville, NC

Here are the cheapest carriers in Asheville for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$82
$96
$93
$88
$68
$63
North CarolinaCharlotteRaleighGreensboroDurhamAsheville
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Asheville, NC Driving Facts

north-carolina

Minimum Car Insurance Requirements in NC

All motor vehicles operated or parked on North Carolina roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in North Carolina are as follows:

  • $30,000 per person / $60,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by North Carolina state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by North Carolina law.

  • $25,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of North Carolina is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured or underinsured motorist coverage is legally required in North Carolina to cover damages and lost wages to drivers and passengers involved in an accident with an uninsured/underinsured at-fault driver.

  • $30,000 per person / $60,000 per accident for Bodily Injury Coverage if injured by an uninsured/underinsured driver
  • $25,000 for Property Damage caused by an uninsured/underinsured driver

Find local Asheville agents

Asheville Insurance Center 
1005 Tunnel Rd., Asheville, NC 28805
General Insurance Services of Asheville, Inc. 
982 Haywood Road, Asheville, NC 28806
AssuredPartners of North Carolina 
216 Asheland Avenue, Asheville, NC 28801-4016
The Juengel Agency, Inc. 
1278 Hendersonville Rd, Asheville, NC 28803
McGriff Insurance Services, Inc. 
301 College St, Suite 208, Asheville, NC 28801
McKinney Insurance Services, Inc 
5 Allen Ave, Asheville, NC 28803
Demont Insurance Agency, Inc. 
19 Rankin Ave, Ste. 131, Asheville, NC 28801
Surety Agency, LLC 
552-B New Haw Creek Rd, Asheville, NC 28805-1953
Insurance Service of Asheville, Inc. 
Executive Park, Bldg. 3, Ste. 408, Asheville, NC 28802
Western Heritage Insurance Agency, Inc. 
1340-H Patton Aenue, Asheville, NC 28806

Insurify Insights: How Asheville Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Asheville, NC
suspended licenses
#26
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Asheville drivers measure up to their fellow North Carolina motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Asheville

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Asheville drivers rank 5 in the number of car accidents per driver across all cities in North Carolina.

  • Rank within state: #5
  • Percent of drivers in Asheville with an accident: 13.92%
  • Drivers in Asheville, NC with an accident in their driving history paid on average 29.07% more than drivers with a clean record

Speeding Asheville

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in North Carolina, Asheville drivers rank 14 in the number of speeding infractions per driver.

  • Rank within state: #14
  • Percent of drivers in Asheville with a speeding ticket: 10.85%
  • Drivers in Asheville, NC with a speeding ticket in their driving history paid on average 51.16% more than drivers with a clean record

DUI/DWIs Asheville

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Asheville drivers rank 6 in the number of DUI’s per driver across all cities in North Carolina.

  • Rank within state: #6
  • Percent of drivers in Asheville with a DUI: 2.71%
  • Drivers in Asheville, NC with a DUI in their driving history paid on average 111.63% more than drivers with a clean record

Rude Asheville

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in North Carolina, Asheville drivers rank 1 in rude driving infractions.

  • Rank within state: #1
  • Percent of drivers in Asheville with a reckless driving violation: 2.71%
  • Drivers in Asheville, NC with a reckless driving violation in their driving history paid on average 26.74% more than drivers with a clean record.

Safest Drivers Asheville

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Asheville drivers rank 14 in clean driving records across all cities in North Carolina.

  • Rank within state: #14
  • Percent of drivers in Asheville with clean record: 75.77%

Failure to Yield the Right of Way Asheville

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Asheville drivers rank 6 in failure to yield violations per driver across all cities in North Carolina.

  • Rank within state: #6
  • Percent of drivers in Asheville with a failure to yield violation: 0.36%
  • Drivers in Asheville, NC with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Asheville

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in North Carolina, Asheville drivers rank 7 in the number of reckless driving offenses per driver.

  • Rank within state: #7
  • Percent of drivers in Asheville with a reckless driving offense: 0.18%

Most Popular Vehicle Asheville

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Asheville is the Nissan Altima.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.