Cheap Auto Insurance Quotes in Chapel Hill, NC (January 2022)

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Last Updated: January 2022

Car Insurance in Chapel Hill, 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 Chapel Hill, NC to find you the cheapest quotes in the area.
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Cheapest Car Insurance in Chapel Hill, NC

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

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Chapel Hill, NC Driving Facts


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 Chapel Hill agents

Seagroves Agency, Inc. 
1506 E Franklin St Suite 100, Chapel Hill, NC 27514
High & Rubish Insurance Agency 
6015 Farrington Rd #101, Chapel Hill, NC 27517
University Insurance, Inc. 
1829 E Franklin Street Suite 800-F, Chapel Hill, NC 27514
Business Insurers of the Carolinas 
501 Eastowne Dr Ste 250, Chapel Hill, NC 27514
All About Insurance 
101 Ephesus Church Rd., Chapel Hill, NC 27517
Acend Insurance Solutions, LLC 
137 E. Franklin St., Chapel Hill, NC 27514
Seagroves Agency Inc - Nationwide Insurance
400 W Rosemary St #1006, Chapel Hill, NC 27516
Chan Wright Insurance Agency
150 Providence Rd #100-a, Chapel Hill, NC 27514
Donny Dingess Jr - State Farm Insurance Agent
400 Market St #103, Chapel Hill, NC 27516
Erie Insurance Representative
1829 E Franklin St Suite 800-F, Chapel Hill, NC 27514

Insurify Insights: How Chapel Hill Drivers Measure Up

Toyota Camry
Most Popular Car in
Chapel Hill, NC
suspended licenses
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 Chapel Hill 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 in Chapel Hill

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. Chapel Hill drivers rank 27 in the number of car accidents per driver across all cities in North Carolina.

  • Rank within state: #27
  • Percent of drivers in Chapel Hill with an accident: 10.53%
  • Drivers in Chapel Hill, NC with an accident in their driving history paid on average 16.13% more than drivers with a clean record

Speeding in Chapel Hill

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in North Carolina, Chapel Hill drivers rank 29 in the number of speeding infractions per driver.

  • Rank within state: #29
  • Percent of drivers in Chapel Hill with a speeding ticket: 9.12%
  • Drivers in Chapel Hill, NC with a speeding ticket in their driving history paid on average 54.84% more than drivers with a clean record

DUI/DWIs in Chapel Hill

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Chapel Hill drivers rank 26 in the number of DUI’s per driver across all cities in North Carolina.

  • Rank within state: #26
  • Percent of drivers in Chapel Hill with a DUI: 1.4%
  • Drivers in Chapel Hill, NC with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Chapel Hill

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Chapel Hill is the Toyota Camry.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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