How to Save on Car Insurance in Chapel Hill, NC?

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The average cost of auto insurance in Chapel Hill, NC, is $905. This is lower than in most neighboring places such as Durham, Baldwin, and the state of North Carolina. Residents of Chapel Hill should compare multiple auto insurance quotes and reviews before deciding on the one that best suits their needs. Here are some ways to increase savings in Chapel Hill.


Credit Score:

Having an “excellent” or “good” credit score will help car owners save on auto insurance in Chapel Hill, NC. In contrast, an “average” or “poor” auto insurance can lead to a massive increase. The cost of auto insurance can rise up if the credit score if the driver is poor.

Anti-Theft Device:

Equipping one’s vehicle with an anti-theft device can go a long way in helping car owners lower auto insurance costs. A passive disabling device fetches the most amount of savings. 

Driving Record:

Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO provides a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

The cost of auto insurance in Chapel Hill, NC, post-DUI, increases to $1,683. However, this also depends on the driver’s age. Moreover, the cost of auto insurance post-DUI for teenagers is much higher. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Chapel Hill. Other violations that can have a long-term impact on auto insurance in Chapel Hill include driving with an expired license and running a red light.

Hybrids and Electric Vehicles:

Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such cars, Farmers offers car owners discounts of up to 5% in some states.

Multi-Car Insurance:

In Chapel Hill, NC, Car owners can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer to get added benefits.

The cost of insuring two cars under a multi-car insurance policy in Chapel Hill, NC, is $1,720, while it would cost $3,530 for four vehicles. The savings on multi-car insurance in Chapel Hill also depends on the make and model of the car.


Paying a higher deductible will also help car owners lower the cost of insurance. For instance, Chapel Hill’s yearly premium on a low deductible($500) for an Acura RDX is $960. It decreases to $910 when the deductible is higher ($1,000).