Asheville Auto Insurance Rates, Quotes, Agents & Reviews in NC

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.

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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 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 Farm
the 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.
Allstate
I would recommend Allstate especially if you are over 25 years old and also own a home in order to get the best discounts.
State Farm
Our 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 Farm
I 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 Mutual
My 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 Farm
Customer 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 Insurance
My insurance company does not offer a well communication, it means that customer service is so bad.
State Farm
I think it is a lower premium. I haven't really done a true comparison, but I am happy with the price I pay.
State Farm
They 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.