Chapel Hill, NC Auto Insurance Rates
Chapel Hill, NC residents can save $360 by comparing multiple quotes & reading reviews & research on Chapel Hill car insurance rates, quotes, agents & coverage.
| Lowest | Average | Highest |
|---|---|---|
| $651 | $905 | $1141 |
Latest Auto Insurance Reviews in Chapel Hill, North Carolina
State Farm
The offerings were standard. The terms are the same through the industry. The only real differences are the tiny exemptions that they attempt to hide as to deny payment.
The offerings were standard. The terms are the same through the industry. The only real differences are the tiny exemptions that they attempt to hide as to deny payment.
Progressive
We love the loyalty program that is offered by Progressive and think that this is what makes them stand out from other companies.That alone sets them apart in my book.
We love the loyalty program that is offered by Progressive and think that this is what makes them stand out from other companies.That alone sets them apart in my book.
Allstate
They have been responsive and helpful. We have had a few cars that were totaled over the years, and we felt that Allstate was responsive and fair.
They have been responsive and helpful. We have had a few cars that were totaled over the years, and we felt that Allstate was responsive and fair.
State Farm
Their rates are a little high and there are a lot of clauses when it comes to their insurance policies, but when you need them, they have always handled a claim with respect, kindness and being straight forward with me.
Their rates are a little high and there are a lot of clauses when it comes to their insurance policies, but when you need them, they have always handled a claim with respect, kindness and being straight forward with me.
State Farm
I would rather see my premium expressed as a bottom price rather than a high price with numerous different discounts applied to arrive at the bottom line. This is kind of like bundling through cable TV and phone companies. I dislike this approach intensely and find it condescending and gimmicky.
I would rather see my premium expressed as a bottom price rather than a high price with numerous different discounts applied to arrive at the bottom line. This is kind of like bundling through cable TV and phone companies. I dislike this approach intensely and find it condescending and gimmicky.
State Farm
I like that I feel like I get personal service, I also like that I feel very covered and that my deductible is fairly low compared to many other plans.
I like that I feel like I get personal service, I also like that I feel very covered and that my deductible is fairly low compared to many other plans.
Chubb Group Of Insurance, Chapel Hill, NC
$98/1 month
Car Insurance Policy Holder
- Married 26 Years old Male licensed 5 years ago with Financed Buick Lacrosse Leather used for Commute to Work or School with estimated annual mileage of 6,001 - 7,500.
- Associate, pursuing Bachelors Degree & Part Time Job.
- No accidents , No traffic tickets , DUIs in history , Licence suspended previously.
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $30K (Per Person Bodily Injury) / $60K (Per Accident Bodily Injury)
- 25 K Property Damage
- 50 K Personal Injury Protection
- 25 K Uninsured Motorists Bodily Injury
- 50 K Uninsured Motorists Property Damage
Liberty Mutual, Chapel Hill, NC
$55/1 month
Car Insurance Policy Holder
- Single 72 Years old Male licensed 19 years ago with Own BMW Z4 35is sDRIVE used for Business with estimated annual mileage of 12,001 - 15,000.
- Doctors & Retired.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $30K (Per Person Bodily Injury) / $60K (Per Accident Bodily Injury)
- 25 K Property Damage
- 100 K Personal Injury Protection
- 30 K Uninsured Motorists Bodily Injury
- 60 K Uninsured Motorists Property Damage
Nationwide Insurance, Chapel Hill, NC
$72/1 month
Car Insurance Policy Holder
- Divorced 55 Years old Female licensed 10 years ago with Own Ford, Explorer, 4 Door Utility 2WD used for Business with estimated annual mileage of 20001.
- Associate, pursuing Bachelors Degree & Full Time Job.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $30K (Per Person Bodily Injury) / $60K (Per Accident Bodily Injury)
- 25 K Property Damage
- 100 K Personal Injury Protection
- 25 K Uninsured Motorists Bodily Injury
- 50 K Uninsured Motorists Property Damage
California Casualty, Chapel Hill, NC
$560/12 months
Car Insurance Policy Holder
- Married 29 Years old Female licensed 10 years ago with Own Chevrolet, Equinox LTZ AWD, 4WD 4 Door Utility used for Commute to Work or School with estimated annual mileage of 20,001+.
- Vocational & Full Time Job.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $30K (Per Person Bodily Injury) / $60K (Per Accident Bodily Injury)
- 25 K Property Damage
- 50 K Personal Injury Protection
- 25 K Uninsured Motorists Bodily Injury
- 50 K Uninsured Motorists Property Damage
Fiesta Auto Insurance, Chapel Hill, NC
$834/12 months
Car Insurance Policy Holder
- Single 49 Years old Male licensed 13 years ago with Financed Toyota, 4Runner SR5, 4WD 4 Door Utility used for Business with estimated annual mileage of 12,001 - 15,000.
- Bachelors & Part Time Job.
- No accidents , Issued traffic ticket previously , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $50K (Per Person Bodily Injury) / $100K (Per Accident Bodily Injury)
- 25 K Property Damage
- 100 K Personal Injury Protection
- 25 K Uninsured Motorists Bodily Injury
- 50 K Uninsured Motorists Property Damage
Nationwide Insurance, Chapel Hill, NC
$599/12 months
Car Insurance Policy Holder
- Married 33 Years old Female licensed 17 years ago with Financed Toyota, Prius c, 4 Door Hatchback Hybrid used for Commute to Work or School with estimated annual mileage of 15,001 - 20,000.
- High School & Full Time Job.
- accidents in history , No traffic tickets , No DUIs , Licence suspended previously.
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $100K (Per Person Bodily Injury) / $200K (Per Accident Bodily Injury)
- 25 K Property Damage
- 300 K Personal Injury Protection
- 30 K Uninsured Motorists Bodily Injury
- 60 K Uninsured Motorists Property Damage
Hartford, Chapel Hill, NC
$566/12 months
Car Insurance Policy Holder
- Married 52 Years old Female licensed 34 years ago with Financed Honda, Accord LX, 2 Door Coupe Manual Trans used for Business with estimated annual mileage of 6,001 - 7,500.
- Associate & Full Time Job.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $30K (Per Person Bodily Injury) / $60K (Per Accident Bodily Injury)
- 25 K Property Damage
- 100 K Personal Injury Protection
- 30 K Uninsured Motorists Bodily Injury
- 60 K Uninsured Motorists Property Damage
Liberty Mutual, Chapel Hill, NC
$1080/12 months
Car Insurance Policy Holder
- Single 43 Years old Female licensed 11 years ago with Leased Porsche, Panamera S, 4 Door Sedan used for Commute to Work or School with estimated annual mileage of 15,001 - 20,000.
- Associate, pursuing Bachelors Degree & Part Time Job.
- No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
- 1 car insured & 1 person is part of this policy
- Home and Auto insurance are from difference companies
- $300K (Per Person Bodily Injury) / $300K (Per Accident Bodily Injury)
- 25 K Property Damage
- 300 K Personal Injury Protection
- 30 K Uninsured Motorists Bodily Injury
- 60 K Uninsured Motorists Property Damage
Chapel Hill Car Insurance Rate Comparisons
Chapel Hill, NC's average car insurance of $905 differs from Durham, NC (+$84), Pittsboro, NC (-$15), Baldwin, NC (+$525) and North Carolina (+$180)
| Chapel Hill | Durham, NC | Pittsboro, NC | Baldwin, NC | North Carolina | |
| Median Insurance Rates | $905 | +$84 | -$15 | +$525 | +$180 |
Chapel Hill Car Insurance Savings By Neighborhood & Street Area
| Chapel Hill Driver Street Residence & Car Locations | Car Details in Chapel Hill | Chapel Hill Driver Demographics | Chapel Hill Auto Insurance Estimates | Recent Chapel Hill Insurance Savings |
|---|---|---|---|---|
| Ironwoods | ||||
| Canton Ct | 2005 Buick LaCrosse CXS | 72 year senior | $1041 | $402 |
| William White Ct | 2007 Mazda 3 I | 17 year female teenager | $2114 | $954 |
| Lake Ellen | ||||
| Seminole Dr | 2009 Ford Fusion SE | 45 year married woman | $762 | $852 |
| Indian Trail Rd | 2008 Jeep Liberty Sport | 17 year male teenager | $2209 | $742 |
| High Park | ||||
| McCauley St | 2006 Cadillac DTS \N | 37 year woman | $1010 | $540 |
| Whitehead Cir | 2009 Volkswagen Routan SEL | 50 year married man | $1188 | $414 |
| Rangewood | ||||
| Welcome Dr | 2005 Chevrolet Silverado K2500 Heavy Duty | 34 year man | $1147 | $707 |
| Sabre Ct | 2007 Chrysler 300 C | 69 year female senior | $1073 | $368 |
| Flying Elephant Ranch | ||||
| State Rd 1144 | 2013 Hyundai Sonata GLS | 19 year teenager | $2342 | $484 |
| State Rd 1145 | 2013 Honda Civic LX | 81 year male senior | $967 | $312 |
Chapel Hill Post DUI Car Insurance Rates
| Chapel Hill | Durham County | Efland | Morrisville | North Carolina | |
| Median Post DUI Insurance Rate | $1683 | -$9 | +$958 | +$65 | +$335 |
| Male Teenager Post DUI Insurance Rate | $4780 | -$26 | +$2719 | +$184 | +$950 |
| Female Teenager Post DUI Insurance Rate | $4157 | -$23 | +$2366 | +$160 | +$825 |
The Post DUI insurance in Chapel Hill, NC's is $1683 compared to Durham County (-$9), Efland (+$958), Morrisville (+$65) and North Carolina (+$335)
In Chapel Hill, a male teenager with Post DUI pays $623 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2009 Ford Fusion SE in Chapel Hill, NC would pay $4424 on auto insurance while a female teenager POST DUI would pay $3848.
Chapel Hill Car Insurance by Segment
Chapel Hill Teenagers Car Insurance Rates Comparison
10982 Chapel Hill Teenagers (12% of total population), 48% Male & 52% Female.
| Chapel Hill | Baldwin | Mebane | Bingham | North Carolina | |
| All Teenagers | $2353 | +$1365 | -$190 | +$1417 | +$468 |
| Male Teenager | $2570 | +$1491 | -$208 | +$1548 | +$511 |
| Female Teenager | $2235 | +$1297 | -$180 | +$1346 | +$444 |
Chapel Hill teenagers pay $2353 in insurance in contrast with Baldwin (+$1365), Mebane (-$190), Bingham (+$1417) and North Carolina (+$468). The difference between Male & Female teenagers in Chapel Hill is $335
Example
- 2012 Dodge Journey Crew Male Teenager Insurance Rate $2556
- 2013 Nissan Rogue S Female Teenager Insurance Rate $2104
Chapel Hill Men & Women Car Insurance
88923 Chapel Hill Adults (100% of total population), 47% Men & 53% Women.
| Chapel Hill | Orange County | Bingham | Efland | North Carolina | |
| All Women | $877 | +$529 | +$529 | +$500 | +$175 |
| Married Women | $823 | +$496 | +$496 | +$469 | +$164 |
| All Men | $1230 | +$742 | +$742 | +$701 | +$245 |
| Married Men | $1212 | +$731 | +$731 | +$690 | +$241 |
The typical insurance rate of $1230 that Chapel Hill Men pay varies from Orange County (+$742), Bingham (+$742), Efland (+$701) and North Carolina (+$245). In Chapel Hill, married men pay $389 more than married women.
Example
- 2014 Kia Sorento LX Married Men Insurance Rate $1116
- 2012 GMC Terrain SLT-2 Married Women Insurance Rate $1113
Chapel Hill Senior Car Insurance
11231 Chapel Hill Seniors (12% of total population), 43% Senior Men & 57% Senior Women.
| Chapel Hill | Cedar Fork | Baldwin | Fearrington Village | North Carolina | |
| All Seniors | $1104 | +$665 | +$640 | +$640 | +$219 |
| Senior Men | $1104 | +$665 | +$640 | +$640 | +$219 |
| Senior Women | $1122 | +$676 | +$651 | +$651 | +$223 |
Chapel Hill seniors pay $1104 in insurance compared to Cedar Fork (+$665), Baldwin (+$640), Fearrington Village (+$640) and North Carolina (+$219). In Chapel Hill, senior men pay $18 less than senior women.
Chapel Hill Car Insurance Discounts for Multiple Vehicles
Chapel Hill Population with 1 Vehicle 12472 (38% of Chapel Hill population), 2 Vehicles 12067 (36% of the Chapel Hill population) and 3 vehicles 4019 (12% of the population)
| Chapel Hill | Durham County | Orange County | Lebanon | North Carolina | |
| 2 Vehicles | $1720 | -$10 | +$1035 | -$143 | +$342 |
| 3 Vehicles | $2625 | -$15 | +$1580 | -$218 | +$522 |
| 4 Vehicles | $3530 | -$20 | +$2125 | -$293 | +$702 |
Chapel Hill Auto Insurance Rates Vary by Deductible
| Low Deductible ($500) | High Deductible ($1000) | |||||
|---|---|---|---|---|---|---|
| Make & Model | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Hyundai, Sonata Limited | $400 | $910 | $1310 | $840 | $1240 | $70 |
| Ford, Transit Connect XLT Premium | $300 | $890 | $1190 | $850 | $1150 | $40 |
| Acura, RDX | $500 | $960 | $1460 | $880 | $1380 | $80 |
| Honda, Civic EX | $1000 | $890 | $1390 | $840 | $1840 | $-450 |
| Audi, A3 2.0 TDI Premium Plus | $200 | $960 | $1160 | $910 | $1110 | $50 |