Burlington, NC Car Insurance

Are rates in Burlington higher or lower than those in neighboring areas? How do they compare to the rest of North Carolina? What rates can residents of Burlington expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:

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How much is car insurance in Burlington?

Based on the chart above, you can see that it's about $11 a month cheaper to insure your vehicle in Burlington than it is in the rest of North Carolina.

Similarly, the expected monthly payments for an auto insurance policy in Burlington are below the national average. Car insurance rates for the U.S. as a whole are, on average, $39 more expensive than the rates you'd pay in Burlington.

While these are the average monthly costs for auto insurance coverage in Burlington, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

We've done the heavy lifting for you and broken down the average rate for Burlington so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Generally, the older you are, the more experienced you are on the roads, right? That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay $10 more than someone who is at retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Burlington may see their rates begin to increase again once they hit retirement.

Average Car Insurance Rates by Gender

Although female drivers pay, on average, less than male drivers for auto insurance coverage, Burlington actually goes against the grain. While female drivers pay $47 a month for auto insurance, males only pay about $36.

Average Auto Insurance Rates by Driving Record

Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Burlington, having a single accident on your record will usually get you rates around $51 a month. Likewise, drivers with one ticket will be looking at a rate of around $152 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

In terms of affordable coverage, the cheapest vehicles to insure in Burlington are typically trucks and vans, at $33 per month.

SUV drivers will see rates of about $38, while the rates for car owners average out to about $44 per month.

In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Burlington, the most expensive vehicles to insure are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Overall, those who have settled down into marriage will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Burlington is no exception, with the difference totaling to around $6 a month.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $8 a month more than those who own their own home in Burlington. But if you live with your parents, your rates will be significantly higher.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.

Car Insurance Companies in Burlington, NC

Recent trends in car insurance for Burlington drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

In Burlington, auto insurance rates increased from 2016-2018, before leveling out in 2019. Rates finished down in 2021, at $41 a month

How does Burlington compare to neighboring areas?

Why are car insurance rates in Burlington different from other areas?

Car insurance companies take in several factors when choosing how much individual insurance policies will cost. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:

• Area laws
• Total amount of drivers in the community
• Road Safety (frequency of local car accidents)
• Regional crime rates
• Off-street parking accessibility

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Burlington?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Luckily, Compare.com will handle the heavy lifting for you. Just enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering plans in Burlington.

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Burlington Insurance FAQs

What factors affect car insurance quotes in Burlington?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Burlington different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Burlington?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Burlington?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Burlington or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?