Asheville, NC Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Asheville, NC, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors Influencing the Cost of Auto Insurance in Asheville, NC
The average cost of auto insurance in Asheville, NC, is $1,051. It is lower than the insurance price in neighboring places such as Limestone and Bent Creek. Several factors can affect the cost of auto insurance in Asheville. A thorough comparison of multiple auto insurance quotes will help car owners obtain an insurance quote that best suits their coverage needs. Zimlon also offers the option of keying in one’s zip code to get accurate auto insurance quotes.
Some of the factors that could increase the cost of auto insurance are as follows.
Driving Violations:
Driving Violations such as driving with an expired license or speeding can also have a severe impact on auto insurance costs in Asheville, NC, mainly because it increases the amount of risk being covered by insurers. Speeding or driving with an expired license can prove to be quite expensive.
Credit Score:
A low credit score could also mean an increase in the cost of auto insurance. Moreover, auto insurance increases when the credit score is “poor” or “average.” The cost of auto insurance when the credit score is “exceptional” can be quite low.
DUI:
DUIs can prove to be extremely expensive for car owners in almost every city in the country. This can have a lasting impact on insurance rates as well. The cost of auto insurance post-DUI in Asheville can be as high as $4,311.
Age Group:
The cost of auto insurance depends on the age of the driver. Auto insurance is the cheapest for drivers who are in their fifties and sixties in Asheville. Teenagers are considered more risk-prone to accidents and continue to find auto insurance expensive at $3,410.
Deductibles:
This is one of the most common factors influencing the cost of auto insurance in Asheville, NC. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. For example, the average cost of auto insurance on a deductible of $500 is $1,065, and it decreases to $900 when the deductible is $1,000.
Other factors that could make auto insurance expensive include not using anti-theft equipment. Comparing quotes is of utmost importance to reduce the cost of auto insurance in the city.
Factors that can influence the cost of car insurance in Asheville, NC are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Asheville, NC Auto Insurance Rates
- Asheville, NC Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Asheville, NC
- Multi Vehicle Insurance Savings in Asheville, NC
- How Credit Score Affects Car Insurance Rates in Asheville, NC
- How DUI Affects Auto Insurance Premiums in Asheville, NC
- Top Auto Insurance Agents Near Asheville, NC
- How Driving Violations Affect Auto Insurance Rates in Asheville, NC
- Asheville, NC Auto Insurance Discounts on Anti Theft Feature
- Asheville, NC Auto Insurance Company Reviews
Asheville, NC Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Asheville, NC with that of other cities in and around Asheville.
| Asheville | Royal Pines | Limestone | Lower Hominy | Buncombe County | Bent Creek | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,051 | $1,035 | $1,349 | $1,022 | $1,066 | $1,337 |
Asheville, NC Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Asheville, NC based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Asheville | $1,065 | $900 |
| Biltmore Forest | $2,041 | $1,724 |
| Buncombe County | $1,675 | $1,415 |
| Lower Hominy | $1,053 | $889 |
| Bent Creek | $1,482 | $1,252 |
| Limestone | $2,129 | $1,798 |
| Royal Pines | $1,535 | $1,296 |
| Swannanoa | $2,231 | $1,884 |
Asheville, NC Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Asheville, NC usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,410 |
| 20 Years | $1,350 |
| 30 Years | $1,040 |
| 40 Years | $1,001 |
| 50 Years | $927 |
| 60 Years | $940 |
| 70 Years | $1,094 |
Asheville, NC Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Asheville, NC can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,808 | $294 |
| 3 Vehicles | $2,712 | $441 |
| 4 Vehicles | $3,615 | $589 |
Savings on 2 Vehicles bundle:$294
Savings on 3 Vehicles bundle:$441
Savings on 4 Vehicles bundle:$589
Asheville, NC Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Asheville, NC.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Asheville | $1,051 | $4,311 |
| Biltmore Forest | $1,417 | $5,812 |
| Buncombe County | $1,066 | $4,372 |
| Lower Hominy | $1,022 | $4,192 |
| Bent Creek | $1,337 | $5,484 |
| Limestone | $1,349 | $5,533 |
| Royal Pines | $1,035 | $4,245 |
| Swannanoa | $1,003 | $4,114 |
Asheville, NC Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $902 |
| Excellent (740-799) | $1,029 |
| Good (670-739) | $1,095 |
| Average (580-669) | $1,429 |
| Poor (300-579) | $1,714 |
Asheville, NC Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Western Heritage Insurance Agency, Inc. | None | 1340-H Patton Aenue, Asheville, 28806 | None |
| Scott Link | State Farm | 501 College St, Asheville, 28801-2410 | 828-255-0698 |
| Melanie Franklin | State Farm | 1270 Hendersonville Rd Ste 2, Asheville, 28803-1936 | 828-274-2420 |
| Surety Agency, Llc | None | 552-B New Haw Creek Rd, Asheville, 28805 | None |
| Mckinney Insurance Services Inc. | Nationwide | 101 Weaver Blvd, Weaverville, 28787-8345 | (828) 645-6400 |
| Carl Dohn Iii | GEICO | 805 Patton Avenue Suite B, Asheville, 28806 | 828-255-5445 |
| Morton Insurance & Financial Services | Nationwide | 1 B Hansel Ave, Asheville, 28806 | (828) 252-9391 |
| David Jernigan | State Farm | 503 W Fleming Dr, Morganton, 28655-3923 | 828-438-4884 |
| Lisa W Emory | Travelers | 552 OAK ST, FOREST CITY, 28043 | 828-248-3773 |
Asheville, NC Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$46 | $1,097 |
| Driver's Failure In Showing Documents | +$102 | $1,153 |
| Driving With An Expired Registration | +$108 | $1,159 |
| Driving At A Considerably Slow Pace | +$228 | $1,279 |
| Using A Cellphone While Driving | +$241 | $1,292 |
| Running A Red Light | +$245 | $1,296 |
| Speeding | +$257 | $1,308 |
| Driving A Vehicle Without The Required Permission | +$327 | $1,378 |
| Driving With An Expired/Suspended License | +$708 | $1,759 |
Asheville, NC Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,009 |
| Active Disabling Device | $1,009 |
| Tracking Device | $988 |
| Passive Disabling Device | $977 |
Latest Auto Insurance Reviews in Asheville, NC | Back to Top
State Farmthe premium and deductible of my policy compared to the other car insurance companies for the same coverage. is good simply because i have been with them for over 25 years.
AllstateI would recommend Allstate especially if you are over 25 years old and also own a home in order to get the best discounts.
State FarmOur deductible is roughly 500$ and we get free road side assistance and towing up to 12 miles if needed granted we pay 4$ a month for that when we don't ever use.
State FarmI would recommend this insurance company they have good rates and they are very helpful, professional, and fast when it comes to filing a claim.
Liberty MutualMy car insurance offers the same standard coverage offerings compared to other insurance providers. They also provide tow service and road assistance in case one needs it.
State FarmCustomer support isn't as good as it should be for State Farm. I think they could improve in that area. My agent doesn't always get back to me.
The General Auto InsuranceMy insurance company does not offer a well communication, it means that customer service is so bad.
State FarmI think it is a lower premium. I haven't really done a true comparison, but I am happy with the price I pay.
State FarmThey are a large national company so I know they are not going to go under. My agent is very skilled and accessible. They have a good website. It is easy to make changes to my plan if I want to.