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Cheapest car insurance in Hendersonville, North Carolina (Nov 2024)
Cheapest car insurance in Hendersonville, North Carolina (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Hendersonville, North Carolina.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance in Hendersonville
- Best Car Insurance Companies in Hendersonville
- Best cheap car insurance quotes in Hendersonville
- Average cost of car insurance in Hendersonville
- Car insurance quotes in Hendersonville by rating factors
- How do different factors impact your car insurance costs in Hendersonville?
- Cheap car insurance quotes in Hendersonville after driving violations
- Cheap car insurance quotes in Hendersonville by age
- Cheap car insurance quotes in Hendersonville based on insurance history
- Cheap car insurance quotes in Hendersonville for popular cars
- How to lower car insurance costs in Hendersonville
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance in Hendersonville
On average,
auto insurance
in Hendersonville costs about $76 per month for minimum coverage liability insurance, and about $174 per month for full coverage insurance. Hendersonville drivers pay 20% less than the North Carolina
average. Each month,
Jerry
helps thousands of wise car insurance shoppers in Hendersonville compare and buy car insurance
easily and efficiently. Here are some of the cheapest Hendersonville car insurance quotes we found. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $61 | Alvin, 63 Zip: 28791 | Toyota Prius | • State Minimum Liability • Comp / Collision |
| Safeco | $116 | Mike, 33 Zip: 28739 | Toyota Camry LE | • 50,000/100,000 Liability • Comp / Collision |
| Nationwide | $254 | Ida, 24 Zip: 28792 | Subaru WRX Premium | • 100,000/300,000 Liability • Comp / Collision |
| Travelers | $117 | Tommy, 33 Zip: 28792 | Chrysler 300 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 18, 2024Best Car Insurance Companies in Hendersonville
To find out which insurance company offers the cheapest car insurance rates in Hendersonville (and throughout the country), Jerry surveyed 15,000 policyholders—the largest insurance shopping survey in the nation.
Here’s what we found: There isn’t a single provider that offers the best rates for every driver, which makes sense considering the plethora of factors and formulas that make car insurance rates vary person-to-person and insurer to insurer.
The best way to pin down the most affordable
car insurance rates
is to shop around
and compare quotes from multiple providers. Rates aren’t all there are to consider either—claims handling and customer service practices matter, too! State Farm
, GEICO
, Progressive
, Allstate
, USAA
, and Liberty Mutual
are each popular insurers in Hendersonville. But the right insurer for you will depend on both personal preferences and details like your age and driving history. Here’s a look at how Hendersonville drivers rated some popular insurers on a scale of 0 to 5. | Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.4 | 4.1 | 3.5 | 4.4 |
| USAA | 4.3 | 3.7 | 4.8 | 4.3 |
| State Farm | 4.2 | 3.3 | 4.7 | 4.3 |
| Geico | 4.1 | 3.7 | 3.7 | 4.2 |
Liberty Mutual | 3.9 | 3.2 | 3.7 | 3.8 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Hendersonville
As per
North Carolina’s insurance laws
, all drivers in Hendersonville must carry the state’s minimum liability coverage along with uninsured motorist coverage. In an at-fault state like NC, full coverage can help better financially protect your vehicle from damage.Cheap minimum liability insurance quotes in Hendersonville
To legally drive and register a vehicle in Hendersonville, you must purchase North Carolina’s minimum liability coverage requirements—at least $30,000 per person and $60,000 per accident for
bodily injury liability
, plus $25,000 in property damage liability
per accident.This sequence of coverage is commonly referred to as 30/60/25 and will cover you up to those limits if you’re at fault for another driver’s injuries or property damage in an accident.
Here are some cases where Jerry helped Hendersonville drivers find minimum liability coverage at the cheapest rates.
Alvin (63 years old)
$61
per month
Rachel (54 years old)
$87
per month
Louisa (23 years old)
$84
per month
Myra (44 years old)
$139
per month
Do you need more than minimum coverage in Hendersonville?
North Carolina’s minimum liability coverage is fairly low, so Hendersonville drivers may want to consider higher limits or additional coverage.
It’s not uncommon for another driver’s medical expenses or a totaled car to result in costs of more than $40,000 after an accident—which can easily exceed that 30/60/25 limit.
The bottom line: To keep yourself and your wallet protected, you should consider full coverage insurance, 50/100/50 liability coverage, or 100/300/100 liability coverage.
Cheap full coverage car insurance quotes in Hendersonville
To protect yourself from the costs of repairing or replacing your car in the event of an at-fault accident,
full coverage car insurance
is your best—and only—option.- Collision coverage deals with the cost of fixing or replacing your car after an accident
- Comprehensive coverage kicks in if your car is stolen or damaged by a non-collision incident
Lenders typically require collision and comprehensive coverage for a leased vehicle.
The table below shows some recent examples of the cheapest full coverage policies that Jerry’s agents helped our Hendersonville customers obtain.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $61 | Alvin, 63 Zip: 28791 | Toyota Prius |
• 100,000/300,000 Liability • Comp / Collision | Nationwide | $254 | Ida, 24 Zip: 28792 | Subaru WRX Premium |
• 50,000/100,000 Liability • Comp / Collision | Travelers | $117 | Tommy, 33 Zip: 28792 | Chrysler 300 |
• 50,000/100,000 Liability • Comp / Collision | Safeco | $116 | Mike, 33 Zip: 28739 | Toyota Camry LE |
• 50,000/100,000 Liability • Comp / Collision | State Auto | $68 | Kevin, 28 Zip: 28791 | Ford Escape Limited |
Last Updated Nov 20, 2024The best way to find the coverage you need at the best price in Hendersonville is to compare rates from multiple companies. Jerry,
a top insurance agency
, offers a free app that streamlines this process, delivering quick quote comparisons and support from a network of over 100 licensed insurance agents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Hendersonville
After working with thousands of auto insurance policyholders in Hendersonville, we’ve found that the average cost of minimum liability coverage is $76 per month or $912 per year. The average cost of full coverage insurance in Hendersonville is $174 per month or $2,088 per year.
Average car insurance expenses can help you estimate potential insurance costs—but each driver’s insurance premium will be different. Your coverage type, driving history, zip code, vehicle make and model, age, and claims history will all impact your rate.
In Hendersonville, insurance rates for minimum liability coverage typically start at around $76 per month while full coverage can cost closer to $174 per month. That said, costs can vary hundreds of dollars based on each driver’s specific profile.
Average cost of car insurance in Hendersonville by zip code
Because accident rates and crime and theft statistics can vary by location within the same city, different zip codes in Hendersonville may see different rates. If your neighborhood files more claims than others, insurers may flag your zip code as “high risk” and increase rates accordingly.
Here are some car insurance quotes Hendersonville drivers received in different neighborhoods.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
28739 | $80 | $88 |
28791 | $34 | $104 |
28792 | $36 | $107 |
Car insurance quotes in Hendersonville by rating factors
- Your driving record and claims history: Safe drivers with clean driving records and zero insurance claims are typically quoted the lowest rates.
- Where you keep and drive your car: Rates are usually higher for those who live in areas with higher crime rates and more claims filed. This can vary by zip code within the same city.
- The kind of car you have: Minimum liability insurance and full coverage are more costly for high-tech, luxury, high-performance, and sports cars.
- How you use your car: If you only use your vehicle for leisurely driving, your car insurance rates will be lower than if you drive to and from work daily.
- Your credit score: A higher credit score can bring down your rates.
How do different factors impact your car insurance costs in Hendersonville?
How do different factors impact your car insurance costs in Hendersonville?
Allowed (with applicable limitations): Driving experience, marital status, zip code, credit history, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): Gender, age, education.
Learn more about the car insurance rating factors in Hendersonville:
Cheap car insurance quotes in Hendersonville after driving violations
Your driving history—including any tickets or accidents—will impact your auto insurance premium. A history of violations or at-fault accidents can indicate a higher risk level, which will result in higher rates. Some typical traffic violations that can impact your rates include:
Cheapest car insurance in Hendersonville after speeding ticket
Not all
speeding violations
are the same; after all, driving 20 mph over the speed limit is more serious than 6 mph over the speed limit.While having a speeding ticket on your record will usually leave you with a more expensive premium,
shopping around for auto insurance quotes
can still help you find the best rates for your situation. Jerry has helped many Hendersonville drivers find cheaper rates on car insurance—even with tickets on their records!
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 11-15 | Progressive | $94 | Rachel, 30 Zip: 28792 | Toyota C-HR XLE | • 50,000/100,000 Liability • Comp / Collision |
Speeding 16-20 | National General | $140 | Landon, 30 Zip: 28792 | Toyota C-HR XLE | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 18, 2024Cheapest car insurance in Hendersonville after DUI
With a
DUI
on your driving record, most insurance companies in Hendersonville will quote you higher-than-average rates. To secure the best rate after a DUI offense, it’s important to gather quotes from various providers.Jerry frequently helps drivers score savings on their auto insurance after a DUI.
Johanna (44 years old)
$425
per month
Cheapest car insurance in Hendersonville after an at-fault accident
Insurance companies use your history of at-fault accidents to assess your risk level. Recent at-fault accidents or numerous claims can significantly raise your premiums.
North Carolina is an at-fault state. If you were deemed at-fault in a collision, your car insurance rates could skyrocket by as much as 15%—possibly more.
Jerry has still helped Hendersonville drivers save on car insurance with at-fault accidents on their
driving record
.| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Progressive | $146 | Francis, 22 Zip: 28739 | Toyota Corolla CE | • State Minimum Liability |
At Fault With No Injury | Travelers | $99 | Alberta, 32 Zip: 28739 | Toyota Corolla L | • 100,000/300,000 Liability • Comp / Collision |
Not At Fault | Nationwide | $117 | Mabel, 32 Zip: 28739 | Toyota Corolla L | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Safeco | $168 | Martha, 25 Zip: 28739 | Chevrolet Volt | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheapest car insurance in Hendersonville after other driving violations
Speeding tickets and DUIs are serious, but they aren’t the only violations that can increase your car insurance premiums.
Reckless or careless driving
, driving without insurance, or driving without a valid license can all hike up your car insurance rates in Hendersonville, too.Browse the table below to see how Jerry has helped drivers save on their car insurance after serious violations.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Illegal Turn | Progressive | $146 | Isaiah, 22 Zip: 28739 | Toyota Corolla CE | • State Minimum Liability |
Failure to Obey Signal | National General | $140 | Gussie, 30 Zip: 28792 | Toyota C-HR XLE | • 50,000/100,000 Liability • Comp / Collision |
Driving on Sus. License | Progressive | $94 | Lulu, 30 Zip: 28792 | Toyota C-HR XLE | • 50,000/100,000 Liability • Comp / Collision |
Failure to Obey Signal | National General | $140 | Lizzie, 30 Zip: 28792 | Toyota C-HR XLE | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheap car insurance quotes in Hendersonville by age
Young drivers with minimal driving experience tend to pay higher premiums, even with a clean
driving record
. Senior drivers in their mid-70s also face higher insurance rates.Cheapest car insurance in Hendersonville for young drivers
Teen drivers from ages 16 to 19 typically pay the highest rates for car insurance in Hendersonville. This is because teen drivers are more likely to get into accidents due to their limited driving experience.
It's therefore a good idea to ensure teen drivers have the protection of full coverage insurance—especially if they’re driving a newer vehicle. To keep those
teen car insurance
rates lower, consider keeping young drivers on a parent or guardian’s policy. Lilly (23 years old)
$146
per month
Julian (24 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Hendersonville, NC (Zip Code: 28792)
$129
per month
Cheapest car insurance in Hendersonville for senior drivers
Although they have a wider range of driving experience,
senior drivers
are more likely to get into car accidents
that result in serious injuries and high medical bills. For this reason, older drivers may see a rise in their insurance rates once they reach 70 to 75 years old.Aiden (74 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Hendersonville, NC (Zip Code: 28792)
$104
per month
Cheap car insurance quotes in Hendersonville based on insurance history
Whether you are currently insured—and have been consistently insured over time—can impact your car insurance rates. Any
lapse in your insurance coverage
can lead to higher premiums.Jerry sends helpful payment reminders to qualifying customers to ensure on-time payments and avoid coverage lapses.
Uninsured customers and drivers with lapses in coverage can still find savings on their new policies with Jerry.
Todd (22 years old)
$146
per month
Louise (32 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Hendersonville, NC (Zip Code: 28739)
$117
per month
Eddie (27 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Hendersonville, NC (Zip Code: 28791)
$68
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Love them.
Hayley
Great services, cheapest and best value policies.
Harsh
Alway great customer service!
Sarah
Great insurance at an affordable price, always good approvals.
Asia
Cheap car insurance quotes in Hendersonville for drivers with poor credit
In North Carolina, insurance companies use
credit scores
as a risk predictor for policyholders. While your credit rating isn’t a direct indicator of your driving habits, statistics show that individuals with low credit scores are more likely to file claims than those with high credit scores.Jerry’s data shows that the average car insurance rate for drivers with credit scores over 750 is lower than rates for drivers with credit scores below 550.
Here’s how drivers with low credit scores saved with Jerry.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
660 - 750 | Progressive | $90 | Delia, 32 Zip: 28739 | Jeep Renegade Latitude | • 50,000/100,000 Liability • Comp / Collision |
660 - 750 | Progressive | $90 | Flora, 32 Zip: 28739 | Jeep Renegade Latitude | • 50,000/100,000 Liability • Comp / Collision |
550 - 659 | Safeco | $116 | Virgie, 32 Zip: 28739 | Toyota Camry LE | • 50,000/100,000 Liability • Comp / Collision |
< 550 | Travelers | $99 | Steve, 32 Zip: 28739 | Toyota Corolla L | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 18, 2024Cheap car insurance quotes in Hendersonville for popular cars
Insurance providers take your vehicle’s make and model into account when determining your car insurance rate. High-tech features, safety technology, pricey parts, and the likelihood of theft will contribute to either raising or lowering your premium.
Popular car models in Hendersonville include:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota Camry LE | Progressive | $184 | Emilie, 32 Zip: 28739 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 21, 2024How to lower car insurance costs in Hendersonville
1. Shop around and compare quotes
Each insurance company uses different methods to calculate your premium—methods that shift and change with time, too! Because of this, the best strategy for securing the most affordable rates is to compare quotes from at least three different insurers and shop for new quotes every six months.
Luckily, Jerry can take all the hard work out of this process. In just 45 seconds, Jerry analyzes quotes from a pool of over 55 top insurers to pinpoint the best premiums available to you. Even better: Jerry provides this service completely free of charge!
2. Hunt for car insurance discounts
You can also shop for
car insurance discounts
as you shop for car insurance quotes. Most insurers have several discounts available, the most common of which include: - Bundling home and auto insurance: You can usually take a percentage off multiple insurance types by purchasing policies through the same insurer. This also typically works with auto and renters insurance.
- Good student discounts: Drivers who are full-time students in high school or college with a B average or better may luck out with lower car insurance rates.
- Telematics discounts: Some insurers use telematics apps to track your driving practices and offer discounts for safe driving—or even just signing up!
- Defensive driver discounts: If you’re over 55, you can often cut costs on your premiums by completing a state-approved defensive driver course.
3. Increase your deductible for comprehensive and collision coverage
To make your monthly payments more manageable, it may make sense to increase your deductibles for your comprehensive and collision coverage. This is especially true if you tend to drive safely or if your personal savings could accommodate higher out-of-pocket repair costs.
FAQ
How much is car insurance in Hendersonville?
People living in Hendersonville pay on average $76 per month – or $912 per year – on state-minimum liability coverage. Full coverage in Hendersonville costs on average $174 per month of $2,088 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the best car insurance in Hendersonville?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
Allstate
, Geico
, and Nationwide
receive good ratings from Hendersonville drivers, based on the largest car insurance survey in the nation conducted by Jerry.Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
What is the cheapest car insurance in Hendersonville?
Based on thousands of Hendersonville drivers Jerry has worked with, car insurance in Hendersonville costs an average of $76 per month for state-minimum coverage and $174 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the minimum car insurance in Hendersonville, North Carolina?
The state-minimum car insurance in Hendersonville, North Carolina is $30,000 in bodily injury liability per person, $60,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 30/60/25 coverage.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.