Best Cheap Car Insurance in Camden, North Carolina 2022

Find out if you're getting ripped off on your car insurance in less than two minutes.
Find insurance savings (100% Free)
No long forms · No spam · No fees
App rating
Insurance Quotes
Happy users
Savings found every month
Single-car drivers in Camden pay an average of $3,042 annually for car insurance. That’s about $254 per month to insure your car.
Located in the heart of Central New York, the small town of Camden is a peaceful and quiet place to live. The picturesque town, which includes historic buildings, forested areas, lakes, and streams, also offers residents most of the perks of small-town living—from good schools and a friendly community to thriving small businesses. But with the closest major city being almost an hour away, living in Camden means you might spend a lot of time in your car. If you're shopping for car insurance, the Jerry app does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even help you cancel your old policy.

Jump to:

Whether you stick to your state’s minimum liability requirements or opt for a full-coverage policy with comprehensive and collision insurance, your home state plays a big role in determining how much you pay to protect your wallet against car-related expenses.
To find the best coverage options for your vehicle in North Carolina, download Jerry, the world’s first super app for car owners and your key to optimized insurance!

Best car insurance companies in Camden

There’s no single company that offers the best rate to everyone in Camden . If you’ve recently moved or are looking to optimize your coverage, the best option is to compare multiple quotes from different companies. Sound like a drag? The Jerry app can get it done in a matter of seconds, saving you time and money while setting you up with the best coverage available!
Take a look at the table below for comparison of real Jerry customers’ rates in Camden :
Insurance Company
Average Cost
Annual Savings with Jerry
Dairyland$3,678$1,245Compare Prices
National General$2,858$1,223Compare Prices
Progressive$2,260$455Compare Prices

Check out insurance company reviews from real Jerry customers:

Cheap good insurance.
Easy to work with. Good coverage.
Very easy to search. Great options. Great service and easy to work with.
Rates compare well with all other carriers if not the cheapest. Easy to use the app and they are very helpful when my car broke down. Was also easy to change my coverages on my own and add renters insurance
No matter what provider you choose, you’ll need to meet your state’s minimum legal requirements for car insurance. In most cases, that means buying a certain amount of liability insurance, but you may also need to carry uninsured motorist coverage, medical payments coverage, or personal injury protection.
State requirements and risk assessments associated with zip codes mean your rate could vary not just from state to state or city to city, but block to block! With so many factors at play, finding the best coverage becomes dizzyingly complex. That’s why Jerry exists: to simplify car insurance comparison with authoritative quotes from over 55 top insurance providers.
Here’s what actual Jerry customers pay:
Quote DateCarZip CodeNameAgeInsurance Company
Before Jerry
After Jerry
June 7, 2021Ford Taurus SES27921Polly W.24Progressive$86/mo.$65/mo.
June 23, 2021Nissan Rogue SV27921Katherine L.36Progressive$148/mo.$89/mo.
March 16, 2022Hyundai Elantra Blue27921Ruby M.23National General$237/mo.$111/mo.
September 9, 2022Chevrolet Camaro LT27921Maude F.40Dairyland$283/mo.$159/mo.
March 18, 2022Toyota Highlander Limited27921Jane L.27National General$330/mo.$193/mo.
44 people from Jerry switched with Jerry to Progressive in the past 14 days.
Last updated 2 hours ago
Chris from Germanton switched with Jerry to Safeco and saved $1002
2 hours ago
Earl from Laurel Hill switched with Jerry to Progressive and saved $758
2 hours ago

How much does car insurance in Camden cost?

Rates for car insurance in the same state can fluctuate wildly depending on your specific zip code. Depending on your city’s demographics—including population density, average age, and accident rate—your car insurance premiums may be much higher or lower than a neighboring city.
Here’s what real Jerry customers paid for car insurance in Camden:
How do Camden insurance rates compare to similar areas? Take a look at the table below to see. 
Let’s break down what makes car insurance in Camden so expensive. The graph below shows how much North Carolina drivers pay, on average, for liability insurance, comprehensive coverage, and collision insurance—the three main elements of what’s called “full coverage car insurance.”
  • Liability coverage, which is the bare minimum required by law, covers repairs and medical expenses for other drivers if you’re in a collision
  • Comprehensive insurance covers repairs to your car caused by something other than a collision (e.g. vandalism, natural disasters, or theft)
  • Collision insurance covers repair costs for your vehicle following a collision with another car or a stationary object
So, how much car insurance does North Carolina require?
North Carolina requires that every resident have at least $30,000 per person/$60,000 per accident for bodily injury liability and $25,000 per accident in property damage liability.
In case you are pulled over in North Carolina, you are required to show your driver’s license, proof of insurance, and vehicle registration. Your proof of insurance is also required to register your vehicle in North Carolina.
No. North Carolina is an at-fault state. This means that if you are in an accident, one party is considered “at-fault,” and their liability pays for property and injury damages to the other party.
Take a look at the graph to visualize how much your expenses could increase if you opt for full coverage.
But those are just the minimum requirements you need to avoid a violation. If you’re in an accident, state minimum insurance might not cover all your expenses—especially if you or anyone in your vehicle is injured, or your car sustains significant damage.
That’s why experts generally suggest carrying more than the minimum required coverage. As previously mentioned, so-called “full-coverage” policy typically includes liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
On top of that coverage, you can check out special add-ons to fit your situation, vehicle, and unique needs. Do a lot of driving on remote back roads? Towing and labor coverage could get you out of a tight spot. Work for a rideshare company? Be sure to invest in rideshare insurance. You can even add specialized insurance for your car’s sound system if you’ve got a premium audio setup.

Best car insurance for bad drivers in Camden

Listen, we’re not here to judge. Maybe you had a bad day and ended up with a reckless driving charge or a DUI. Maybe you had a really good day and landed yourself an accidental speeding ticket.
No matter the reasons behind your tickets, even minor traffic violations can have an outsize impact on your insurance premium, especially if they’re repeated. And just one major offense (think DUI) could get you labeled as a “high-risk driver” by your insurance company. Worst of all, that label can follow you for years in some cases—even if you’ve cleaned up your act and drive like a saint.
Here’s where Jerry comes in. Even if your driving record is less than stellar (like, a lot less), there are still ways to optimize your rates and coverage to get the policy you need. Here’s how much Jerry customers in Camden with a history of violations saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,061$968
Speeding under 15$1,771$603

Camden driving violation FAQ's

How much is car insurance in Camden with a DUI?

If you have a DUI on your record, your car insurance premium in Camden could increase by as much as 22%.

How much does your car insurance increase after a speeding ticket in Camden?

If you’re caught speeding through Camden and end up with a ticket, you can expect to see your insurance rate jump by about 45%. And keep in mind—repeated speeding tickets could cause an even bigger increase!

Best car insurance in Camden by age

Young people get stereotyped all the time—but when insurance companies do it, it can cost you hundreds of dollars a year!

Best car insurance in Camden for young drivers

That’s because insurance companies use age as a metric for risk. Providers see young drivers as less experienced and more likely to submit claims (i.e., cost them money) than older drivers—so they tend to hike rates for anyone under 25.
Of course, you know that no magic switch it going to flip when you turn 25 to make you a safer driver. You might even be the safest driver you know! But that won’t stop insurance companies from saddling you with a high rate.
To keep your rates low at a young age, check out these simple hacks:
  • Plenty of insurance companies offer good student discounts to anyone under age 25 with a B average or higher. If you’re still in school, your grades could be the key to insurance savings!
  • If you can get on a family plan with an older relative or friend, you’ll benefit from their lower risk rating and get a lower rate on the same coverage.
  • Check for state-approved defensive driving courses. Many insurance companies will give you a discount if you can prove that you’ve attended a course.
  • Play the long game and stick with one insurance company for a few years. If you maintain a good driving record, you could score multiple discounts for loyalty and safe driving!
  • Telematics programs like Jerry’s Drive Well, Earn Perks offer discounts and rewards for safe driving—and instead of basing your savings on your age, it’ll be based directly on how you actually drive!
Want to see how much more you might pay for car insurance in Camden based on your age? Check out the table below.

Car insurance in Camden for your car

Your age and driving record aren’t the only things that determine your car insurance rates in Camden. The vehicle you drive also plays a role.
The Toyota Prius is one of the most popular cars in North Carolina—and it’s cheaper to insure than a lot of the SUVs and electric cars on the road today. But if you drive a minivan, a truck, or a sports car, you might be looking at a higher premium than your other Camden neighbors.
Take a look at the table below for a full rundown of how much insurance for different makes costs in Camden.
Average Cost
Annual Savings with Jerry
Honda Civic LX$2,253$949
Nissan Altima 2.5$2,626$942
Ford Fusion SE$2,275$898
Hyundai Elantra SE$2,514$876
Toyota Corolla L$2,212$848

Camden car FAQ's

More people in Camden drive a Toyota Highlander Limited than any other car! On average, these drivers pay $2,635 for their auto insurance.

What is the most expensive car to insure in Camden?

At an average of $2,635 per year, a Toyota Highlander Limited is the most expensive car to insure in Camden. If you drive one, we’re sorry.

Car insurance cost based on where you live in Camden:

Now, we’ve been talking about “drivers in Camden” as if everyone sees the same rates—but in fact, your rate can vary by zip code, making it possible to have a completely different rate from your neighbor two blocks away.
Why? The simple answer: accident rates and property crimes. Maybe your zip code puts you closer to a major road with tons of accidents, or you’re in a hotspot for auto theft. Within Camden, drivers in the -- zip code typically have the highest car insurance premiums, while the cheapest rates are found in the 27921 code.
Want to see the average rates in your zip code? Take a look at the breakdown below.
Quote DateZip codeCarStateNameAgeInsurance Company
Before Jerry
After Jerry
June 7, 202127921Ford Taurus SESNCPolly W.24Progressive$86/mo.$65/mo.
June 23, 202127921Nissan Rogue SVNCKatherine L.36Progressive$148/mo.$89/mo.
March 16, 202227921Hyundai Elantra BlueNCRuby M.23National General$237/mo.$111/mo.
September 9, 202227921Chevrolet Camaro LTNCMaude F.40Dairyland$283/mo.$159/mo.
March 18, 202227921Toyota Highlander LimitedNCJane L.27National General$330/mo.$193/mo.

How can you save money on car insurance in Camden?

Let’s face it: living in Camden means living with higher than average insurance rates. Add that to an already high cost of living overall, and saving money on insurance becomes a great way to free up space in your budget.
Sound impossible? Not at all! Here are a few simple ways to save money on car insurance in Camden.

Compare quotes and shop often

That’s right—shopping for car insurance doesn’t have to be a one-and-done. In fact, experts recommend comparing quotes from at least three companies and shopping for new rates every six months!
Okay, we agree: that sounds like a huge pain, especially if it’s only saving you a few extra dollars each month. That’s why we created Jerry, the world’s first super app for car owners. The Jerry app takes the time, effort, and hassle out of car insurance shopping through the power of technology.
In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best coverage at the best rate for you. Pick the quote you like, and Jerry will handle all the paperwork—we’ll even help you cancel your old policy! Best of all, Jerry conducts routine price monitoring so you never have to worry about shopping for new rates again.
And the savings? The average Jerry user saves over $800 a year just by letting the app do their shopping.

Hunt for discounts

Here’s the one insurance savings hack that requires a little legwork on your part: finding discounts. Every insurance company offers them, but they’re not all the same, and companies often won’t advertise them directly.
That means it’s on you to search for the best discounts for you. Call your insurance company and ask about the following types of discount:
  • Good driver discounts:
    Camden drivers are in luck—state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • Telematics discounts:
    You need to prove a long record of safe driving for a state-mandated good driver discount, but many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts:
    Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
  • Bundling discounts:
    You’ve heard it before—bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
These are just some of the most popular car insurance discounts in North Carolina—but it’s not an exhaustive list! Call your agent and ask what other discounts are available.

Increase your deductible

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
If you’re wondering “what is my deductible, actually?”, think of it as the amount you’ll pay out of pocket before insurance kicks in. Keeping your deductible low ensures you won’t have to pay much in the event of an accident—but it also means your monthly costs will be higher.
Raising your deductible will lower your regular payments, and if you’re already practicing safe driving for discounts, it’s a win-win! Just make sure that you have enough to cover the deductible if you do get into an accident—after all, there’s no way to predict and prevent every collision.

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free