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Cheapest car insurance in Pineville, North Carolina (May 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Pineville, North Carolina.
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Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Kianna Walpole, Expert Insurance Writer & Editor

How to find the cheapest car insurance in Pineville

On average,
auto insurance
in Pineville costs about $76 per month for minimum coverage liability insurance, and about $150 per month for full coverage insurance. Pineville drivers pay 2% more than the
North Carolina
average.  
Each month,
Jerry
helps thousands of wise car insurance shoppers in Pineville
compare and buy car insurance
easily and efficiently. Here are some of the cheapest Pineville car insurance quotes we found. 
Insurance companyPremium (monthly)CustomerCarInsurance coverage
National General
$220
Marion, 26
Zip: 28134
Ford Ranger XL
• 50,000/100,000 Liability
• Comp / Collision
Dairyland
$185
Jay, 29
Zip: 28134
RAM 1500 SLT
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated May 21, 2024

Best car insurance companies in Pineville

To find out which insurance company offers the cheapest car insurance rates in Pineville (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 Pineville. 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 Pineville drivers rated some popular insurers on a scale of 0 to 5. 
Insurance companyOverall ratingPriceClaims experienceCustomer 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
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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 Pineville

As per
North Carolina’s insurance laws
, all drivers in Pineville 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.
When you shop with Jerry, you’ll be able to choose from four tiers of coverage ranging from minimum liability to high-liability plans with full coverage and add-ons like rental reimbursement. You also have the option to customize your coverage limits, so you can create exactly the insurance policy you want.
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Once you build your profile, you can compare tailored quotes from dozens of insurance providers to help you find your best rate.
Drivers can also see insurer ratings and real reviews from customers to guide them in making an informed and cost-effective decision.

Cheap minimum liability insurance quotes in Pineville

To legally drive and register a vehicle in Pineville, 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 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.  
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A minimum liability policy can start as low as $35 a month in Pineville.
But to be better protected, compare that to plans offering higher liability limits and physical damage protection for your own vehicle.

Do you need more than minimum coverage in Pineville?

North Carolina’s minimum liability coverage is fairly low, so Pineville 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 Pineville

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.
Full coverage includes
comprehensive
and
collision coverage
  • 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
Need to know: Lenders typically require collision and comprehensive coverage for leased or financed vehicles. 
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Getting the coverage you need doesn’t have to stretch your budget.
With
Jerry
, a full coverage plan with high liability limits could cost around $100/month.
Lower my car insurance too!

Average cost of car insurance in Pineville

After working with thousands of auto insurance policyholders in Pineville, 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 Pineville is $150 per month or $1,800 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 Pineville, insurance rates for minimum liability coverage typically start at around $76 per month while full coverage can cost closer to $150 per month. That said, costs can vary hundreds of dollars based on each driver’s specific profile.

Car insurance quotes in Pineville by rating factors 

Insurance companies in Pineville use multiple factors to
determine your car insurance rate
:
  • 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 Pineville?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, credit history, occupation, employment status, insurance history.
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Prohibited (or effectively prohibited): Gender, age, education.
Learn more about the car insurance rating factors in Pineville:

Cheap car insurance quotes in Pineville 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 Pineville 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 Pineville drivers find cheaper rates on car insurance—even with tickets on their records!
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Safeco
$64
Russell, 43
Zip: 28134
Toyota Scion
• 100,000/300,000 Liability
• Comp / Collision
Speeding 6-10
Allstate
$69
Curtis, 40
Zip: 28134
Nissan Truck
• 50,000/100,000 Liability
coverageLast Updated May 17, 2024

Cheapest car insurance in Pineville after DUI

With a
DUI
on your driving record, most insurance companies in Pineville 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.
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Eliza (33 years old)
coverageCoverage
State Minimum
locationPineville, NC
(Zip Code: 28134)
$69
per month
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Mollie (33 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationPineville, NC
(Zip Code: 28134)
$65
per month

Cheapest car insurance in Pineville 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 Pineville drivers save on car insurance with at-fault accidents on their
driving record
.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Progressive
$254
Julia, 26
Zip: 28134
Ford Ranger XL
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Dairyland
$148
Steve, 34
Zip: 28134
Toyota Corolla L
• State Minimum Liability
• Comp / Collision
Not At Fault
Progressive
$176
Harriett, 29
Zip: 28134
Mazda 3 Touring
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Dairyland
$148
Craig, 34
Zip: 28134
Toyota Corolla L
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 20, 2024

Cheapest car insurance in Pineville 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 Pineville, too.
Browse the table below to see how Jerry has helped drivers save on their car insurance after serious violations.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Careless Driving
Dairyland
$185
Daniel, 29
Zip: 28134
RAM 1500 SLT
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated May 17, 2024

Cheap car insurance quotes in Pineville 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 Pineville for young drivers

Teen drivers from ages 16 to 19 typically pay the highest rates for car insurance in Pineville. 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. 
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Hunter (19 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationPineville, NC
(Zip Code: 28134)
$63
per month
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Jordan (21 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationPineville, NC
(Zip Code: 28134)
$61
per month

Cheapest car insurance in Pineville 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.
card cover
Laura (74 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationPineville, NC
(Zip Code: 28134)
$62
per month
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Hettie (68 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationPineville, NC
(Zip Code: 28134)
$50
per month

Cheap car insurance quotes in Pineville 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.
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Julia (26 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationPineville, NC
(Zip Code: 28134)
$254
per month
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Lottie (26 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationPineville, NC
(Zip Code: 28134)
$220
per month
card cover
Corey (26 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationPineville, NC
(Zip Code: 28134)
$220
per month
card cover
Ernest (26 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationPineville, NC
(Zip Code: 28134)
$254
per month
card cover
Emily (26 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationPineville, NC
(Zip Code: 28134)
$220
per month

Cheap car insurance quotes in Pineville 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 RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Dairyland
$185
Lucy, 29
Zip: 28134
RAM 1500 SLT
• 50,000/100,000 Liability
• Comp / Collision
550 - 659
Progressive
$254
Lucile, 26
Zip: 28134
Ford Ranger XL
• 50,000/100,000 Liability
• Comp / Collision
< 550
Progressive
$198
Ryan, 38
Zip: 28134
Chevrolet Malibu RS
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 19, 2024

How to lower car insurance costs in Pineville

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 Pineville?

People living in Pineville pay on average $76 per month – or $912 per year – on state-minimum liability coverage. Full coverage in Pineville costs on average $150 per month or $1,800 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 cheapest car insurance in Pineville?

Based on thousands of Pineville drivers Jerry has worked with, car insurance in Pineville costs an average of $76 per month for state-minimum coverage and $150 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 best car insurance in Pineville?

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 Pineville 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 minimum car insurance in Pineville, North Carolina?

The state-minimum car insurance in Pineville, 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

avatar
Amy Bobinger
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Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
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Kianna Walpole
badge icon
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
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Josh Damico
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Head Of Insurance Operations
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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.