Compare car insurance rates in Asheville, North Carolina

Asheville, North Carolina is known for its rich arts and cultural scene and scenic routes through the Blue Ridge Mountains. You’ll also find modest car insurance rates that run pretty close to the national average. But to make sure you’re getting the best rate on coverage that makes the most sense for you, compare your options and inform yourself about buying car insurance in Asheville.

Cheapest car insurance in Asheville

To help you make the best choice, we’ve found the 10 cheapest car insurance providers in Asheville.

• How we got these rates

  We compared data from more than 7,300 sample drivers who live in six ZIP codes in Asheville, North Carolina. These sample drivers ranged in age from younger than 18 to older than 56 and included both male and female drivers, as well as married couples and single drivers. Our sample policies also ranged in coverage type, falling into one of four categories:

  • State minimum coverage
  • Low coverage
  • Medium coverage
  • High coverage

  Four sample vehicles were used in this sample survey:

  • 2017 Toyota Camry LE
  • 2017 Honda Pilot EX
  • 2017 Chrysler Town & Country
  • 2017 Ford F-150 XL

Which neighborhoods in Asheville have the cheapest car insurance?

No matter where you live in Asheville, you can expect to see similar average car insurance rates. Compare the average yearly premiums for these six Asheville ZIP codes, and you’ll find similar rates across the board.

If you rent a place in downtown Asheville or own a cute bungalow in Montford, you’ll find good prices on your car insurance.

Cheapest neighborhoods for car insurance in Asheville

ZIP code	Average annual rate
28801	$1,029
28803	$1,028
28804	$1,026
28805	$1,029
28806	$1,025
28810	$1,031

Does gender affect my car insurance rates in Asheville?

In North Carolina, your gender isn’t allowed to be factored into your car insurance rate. Our data shows very little difference between rates for women and men living in Asheville.

Gender	Average annual rate
Women	$1,004
Men	$1,049

Car insurance coverage costs in Asheville

You can get car insurance that’s well below the average annual rate in Asheville if you get coverage that’s limited to the state minimum requirements. However, paying a little more for your premium each year can end up saving you in the long run if you ever need to file a claim.

To bump up your policy from the state minimum to a low coverage option, you’ll pay double the price. However, the difference in cost between someone with low coverage and high coverage is only about $120.

Coverage level	Average annual rate	Coverage details
State minimum coverage	$486	30/60 liability coverage $25,000 in property damage 30/60 uninsured motorist bodily injury $25,000 uninsured motorist property damage
Low coverage	$1,153	30/60 liability coverage $25,000 in property damage 30/60 uninsured motorist bodily injury $25,000 uninsured motorist property damage Comprehensive & collision coverage
Medium coverage	$1,201	50/100 liability coverage $50,000 in property damage 50/100 uninsured motorist bodily injury $25,000 uninsured motorist property damage Comprehensive & collision coverage
High coverage	$1,273	100/300 liability coverage $100,000 in property damage 100/300 uninsured motorist bodily injury $25,000 uninsured motorist property damage Comprehensive & collision coverage

State minimum requirements in Asheville

To legally drive in North Carolina, you’ll need auto insurance that includes at least:

• Bodily injury liability. $30,000 per person, $60,000 per accident
• Property damage liability. $25,000 per accident
• Uninsured motorist property damage. $25,000 per accident
• Uninsured motorist bodily injury. $30,000 per person, $60,000 per accident

When you’re shopping for a car insurance policy, you might see these liability requirements shortened to 30/60/25.

What additional coverage should I get in Asheville?

Since car insurance rates in Asheville are so low compared to most other cities in North Carolina and many other locations across the country, adding extra coverage options like these makes sense in most cases.

• Collision coverage. Although Asheville is less populated than other North Carolina cities, traffic accidents do happen. Even when you add collision coverage to your policy, you’ll most likely still pay less than the national average.
• Comprehensive coverage. Asheville isn’t situated along the coast, but that doesn’t mean it’s not susceptible to storm and flood damage. This city was impacted by Hurricanes Frances, Ivan and Irma in the past. Comprehensive coverage offers protection in the event that your car is damaged during a storm or other natural disaster.
• Roadside assistance. Asheville weather can be unpredictable at times, including frequent freezing rain and more snow than you might expect in the South. Driving along Asheville’s scenic mountain routes could leave you stranded if you run out of gas or need to change a flat tire. Having roadside assistance can give you peace of mind that help is available if you need it.

Does North Carolina allow self insurance?

Yes, if you own or lease 26 or more vehicles, North Carolina allows you to self-insure them. This can help mid-size businesses save on car insurance policies. This law allows you to self-insure your vehicles and drivers if you can prove, through tax and income documentation, that you’re able to pay any costs if an accident occurs.

What should I know about driving in Asheville?

There are a few notable driving laws and things to consider when driving in Asheville.

• Yield to pedestrians in crosswalks. Drivers have to yield to people in crosswalks with no traffic signal, according to North Carolina state law. Watch out for several crosswalks in the downtown Asheville area as you’re driving.
• Move your vehicle after a collision. You could catch a fine of $110 or more plus a ticket if you fail to move your vehicle onto the shoulder of the road or out of the way of traffic following a minor accident or fender bender.
• Put kids under 8 years old in car seats. All children younger than 8 years old and who weigh less than 80 pounds must be in a safety seat. North Carolina state law dictates that an appropriate car seat or booster seat needs to be used for children who fall into these two categories. However, the state does not mandate that car seats be rear facing.
• All bikers and moped drivers must wear a helmet. No matter your age, you need to wear a helmet when driving or riding a motorcycle or moped. If you don’t, you could get a ticket.
• Mopeds must now be titled and registered. Although you don’t have to have a driver’s license to operate a moped, you do have to be at least 16 years old. Plus, now North Carolina requires that you pay for a title and registration for your moped.

Which cars are popular in Asheville?

You might have heard Asheville referred to as Subieville, thanks to the countless Subarus on the road there. When navigating mountain roads and dealing with hazardous winter weather, having a four-wheel drive vehicle like a Subaru sure can come in handy.

Many native Ashevillians say that you can get by just fine with front-wheel drive, as long as you mainly stick to city driving and stay away from mountain excursions.

Car insurance in Asheville

Want local service from a nearby insurance agent? Find a local agent near you.

Compare car insurance companies in North Carolina

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Name	Product	Gap insurance	Homeowner discount	Telematics	Has an app?	Available states
Pretected		Yes	Depends on provider	No	No	All 50 states	Get your most compatible insurance options via a "smart matching" method aimed at finding you value.	Get quotes More Info	Compare	loading Fetching your data...
Quinstreet - Insure.com		Yes	Depends on provider	Depends on provider	Depends on provider	All 50 states	Get quotes	Compare	loading Fetching your data...
Progressive		loan/lease coverage	Yes	Snapshot	Yes	All 50 states & DC	Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.	Get quotes More Info	Compare	loading Fetching your data...
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The average annual cost of car insurance in Asheville, North Carolina, is $1,028, which is just under the national average of $1,300. In some cases, you could score a monthly rate well below both the average rate in Asheville and nationwide. Filter car insurance companies by roadside assistance, discounts and more to get a quote.

Bottom line

Asheville residents are in luck when it comes to buying car insurance. You’ll enjoy some of the lowest car insurance rates in the state, as well as lower average yearly premiums than the national average. Because your rates are already on the low end, adding a few extra coverage options is worth looking into, especially if you plan to travel the many beautiful mountain roads.

You can get the best value by comparing car insurance policies to find the best rates for your city.

Frequently asked questions about car insurance in Asheville

• Can I get temporary car insurance in Asheville?

  Yes, North Carolina allows you to buy temporary car insurance. However, your options may be much more limited than they would be if you were purchasing a conventional policy.

• Do I need to file an SR-22 form in North Carolina if I get a DUI?

  No, unlike most states, North Carolina does not require you to file an SR-22 form if you’re convicted of a DUI. However, if you’re moving to Asheville from another state that does require SR-22 coverage, you might need to keep it. Contact your local DMV to find out your options.

• When I buy a new car, is it automatically covered under my current insurance policy?

  No, you’ll still need to notify your insurance company within 30 days of the purchase to add the new vehicle to your policy. Otherwise, it won’t be covered.

• Why does the driving record of other members of my family affect my car insurance rates?

  In North Carolina, liability coverage automatically applies to anyone living in your household. Therefore, if any member of your family who is currently living with you has a poor driving record, it could affect your premium.

• What does it mean that North Carolina is an at-fault state?

  When it comes to traffic accidents, North Carolina is considered an at-fault state. This means that whoever is deemed at fault for the accident is responsible for paying for the damages.