120+ more*Quotes generated for Insurify users in and around Chapel Hill, North Carolina within the last 10 days. Last updated on October 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Chapel Hill, North Carolina within the last 10 days. Last updated on October 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Theresa is a writer and former financial advisor with experience helping clients solve money challenges. She uses her expertise to clarify complex personal finance concepts.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Updated
Drivers in Chapel Hill, North Carolina, pay an average of $72 per month for car insurance. The statewide average is more expensive, at $91 per month. By coverage level, the average cost of car insurance in Chapel Hill is $54 per month for liability-only coverage and $90 for full coverage.
Auto insurance rates in nearby Raleigh are higher than in Chapel Hill, averaging $68 per month for liability insurance and $102 for full coverage.
Chapel Hill is in Orange County, about 30 miles from Raleigh, but its eastern portions extend into Durham County. Chapel Hill’s relatively small population size and below-average commute time contribute to its lower average car insurance rates.[1]
Liability quotes start at $44/mo.
The cheapest company for liability insurance in Chapel Hill is Erie, with rates averaging $44 per month. For full-coverage insurance, the cheapest insurer in Chapel Hill is Allstate, with a monthly average of $70.
Auto rates in Chapel Hill are lower than the overall North Carolina insurance average of $91 per month. Chapel Hill drivers pay $72 per month for car insurance
North Carolina car insurance requirements include $50,000 in bodily injury liability per person and $100,000 per accident, as well as $50,000 in property damage liability coverage. North Carolina also requires uninsured/underinsured motorist coverage.[2] If you drive without insurance in North Carolina, you’ll face a Class 3 misdemeanor charge, a fine of up to $200, and more.[3]
You can explore the cheapest liability-only and full-coverage quotes in North Carolina in the table below.
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full-Coverage |
|---|---|---|
| Erie | $44 | $72 |
| Progressive | $50 | $78 |
| Allstate | $51 | $70 |
| GEICO | $51 | $89 |
| Direct Auto | $52 | $74 |
| Liberty Mutual | $53 | $88 |
| National General | $53 | $76 |
| Travelers | $55 | $91 |
| Safeco | $57 | $97 |
| Dairyland | $61 | $135 |
| State Farm | $71 | $118 |
Car insurance rates in Chapel Hill average $72 per month, which is lower than the North Carolina average of $91 per month. Rates in neighboring Raleigh are higher than in Chapel Hill, with an average monthly rate of $68 for liability-only coverage and $102 for full coverage.
Chapel Hill auto rates are also lower than rates in Durham, which has average monthly rates of $64 for liability coverage and $102 for full coverage. Chapel Hill’s relatively small population size and low daily commute time likely contribute to the town’s affordable auto insurance rates.
Below, you can compare the average costs of car insurance in different North Carolina cities.
City | Average Monthly Quote |
|---|---|
| Morrisville | $69 |
| Asheville | $71 |
| Burlington | $74 |
| Cary | $77 |
| Wilmington | $77 |
| Jacksonville | $79 |
| Mooresville | $79 |
| Rocky Mount | $79 |
| Durham | $83 |
| Goldsboro | $83 |
| Hickory | $83 |
| Raleigh | $85 |
| Greensboro | $87 |
| Kannapolis | $90 |
| High Point | $93 |
| Greenville | $95 |
| Wilson | $95 |
| Gastonia | $96 |
| Matthews | $96 |
| Fayetteville | $98 |
| Charlotte | $101 |
| Concord | $104 |
It’s important for Chapel Hill drivers to keep the following factors in mind:
Parking difficulties: Drivers should be aware of potential parking difficulties, particularly near the University of North Carolina (UNC) at Chapel Hill. Drivers should expect increased traffic in August when UNC students return to town. Traffic and parking demand can also increase during UNC sporting events.
Weather hazards: Heavy rain can create hazards on Chapel Hill roads, especially near the Booker and Bolin creeks.[4] Winter weather can also cause road hazards. While snow is relatively rare in Chapel Hill, when it occurs, the town prioritizes snow removal on primary streets, steep hills, and problem streets within one to two days, while secondary streets may take longer to clear.
Deer: Hundreds of deer live in Chapel Hill, which can pose some risk to motorists — especially in wooded areas at night. If you notice a deer near the road, slow your vehicle down and honk your horn with a long blast. The North Carolina Department of Transportation also advises against swerving to avoid a collision with a deer, as doing so could cause a more serious crash.[5]
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Your driving history can affect your car insurance quotes in Chapel Hill — especially if you have a driving while intoxicated (DWI) conviction, at-fault accident, or speeding ticket on your record. About 5% of Chapel Hill drivers have received a speeding ticket, 6% have been in an accident, and 1% have had a DWI, according to Insurify data.
Chapel Hill residents with past violations typically pay more for coverage than drivers with a clean record. This is especially true for drivers with serious convictions, like a DWI, who the state requires to file a DL-123 certificate of financial responsibility.
North Carolina follows a traditional “at-fault” or “tort” system, meaning the driver who causes the car accident is generally financially responsible for the resulting injuries and damages.[6]
Here’s how much Chapel Hill drivers pay for car insurance by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $72 |
| Speeding ticket | $95 |
| At-fault accident | $100 |
| DUI | $181 |
Your age can affect the car insurance rates you get in Chapel Hill. Teen drivers in Chapel Hill generally pay higher auto rates than adults, with monthly averages of $98 for liability-only coverage and $163 for full coverage. Teens must be at least 15 to start North Carolina’s graduated licensing process.[7]
About 13% of the Chapel Hill population is 65 and older. Senior drivers in their 60s in Chapel Hill pay low rates of $48 per month for liability insurance and $80 per month for full coverage, thanks to years of driving experience.
The table below shows the average liability rates for Chapel Hill drivers by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $97 |
| 20s | $65 |
| 30s | $60 |
| 40s | $56 |
| 50s | $51 |
| 60s | $47 |
| 70+ | $47 |
*Quotes generated for Insurify users in and around Chapel Hill, North Carolina within the last 10 days. Last updated on October 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Chapel Hill, North Carolina within the last 10 days. Last updated on October 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
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Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
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Licensed property and casualty insurance agent
15+ years of insurance experience
Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
Find answers to common questions about Chapel Hill auto insurance below.
The average cost of car insurance in Chapel Hill is $72 per month. Chapel Hill drivers pay $54 per month for liability-only insurance. A full-coverage policy, which includes liability, collision, and comprehensive coverage, costs an average of $90 per month in Chapel Hill. If you include add-ons, like roadside assistance or accident forgiveness, you’ll likely pay more for coverage.
Many factors affect your car insurance rates in Chapel Hill, including your driving history, vehicle type, coverage limits, and deductibles. But drivers in Chapel Hill pay lower rates than the state average, likely in part due to the town’s small population.
The cheapest car insurance company in Chapel Hill is Erie, which has an average liability insurance rate of $44 per month. To save on coverage, ask the insurer you select about any discounts you qualify for. You can typically earn a discount for bundling your auto coverage with homeowners insurance or renters insurance.
The best car insurance company in Chapel Hill will depend on your coverage needs. That said, Insurify identified Erie, Progressive, National General, and GEICO as among the best choices for North Carolina drivers. You should always compare quotes and coverage selections from a few different companies and choose the one that best fits your needs and budget.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
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AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Theresa is a writer and former financial advisor with experience helping clients solve money challenges. She uses her expertise to clarify complex personal finance concepts.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
