Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Oct 30, 2020

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What You Should Know – Advance, NC
Advance, NC StatisticsDetailsSource
Advance Population1,138City-Data.com
Average Cost of Insurance in Advance$2,693.74Quadrant Information Services
Cheapest Auto Insurance CompanyLiberty MutualQuadrant Information Services
Road ConditionsPoor Share: 12%
Mediocre Share: 25%
Fair Share: 25%
Good Share: 38%
VOC: $435
TRIP Urban Road Report
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Are you looking for the best auto insurance rates in Advance? If so, you’ve come to the right place. You can read through this article to learn a bit more about auto insurance in Advance, NC, which can help you in understanding auto insurance basics so you know what to look for when you decide to purchase a policy.

When you’re ready to start shopping for Advance auto insurance you can check out our list of auto insurance agents below. To get rates for your vehicle, contact these agents directly.

You can also compare Advance car insurance rates quotes using our free tool. Just use your Advance, NC ZIP code to start comparing rates today to find the best Advance car insurance company for you.

Table of Contents

Auto Insurance Rates in Advance

We know shopping for insurance can be frustrating. How do you know what a fair rate is? Why is it so expensive? What do you actually need? We can’t tell you exactly what you’ll need for coverage in Advance (beyond the North Carolina Auto Insurance minimum coverage requirements), but we can provide you with some basic information to help you make an informed decision.

In this guide, we focus specifically on auto insurance coverage, so you won’t find much information on Advance Auto Parts in Clemmons, for example. We’re also focused specifically on auto for Advance insurance offerings, so we don’t spent much time discussing Clemmons auto insurance or auto insurance in other parts of North Carolina. Keep reading to learn more.

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Does gender and age affect my auto insurance rates in Advance?

When we look at car insurance rates by gender and age, in some cases the difference in rates can be extreme. However, as of 2019, car insurance companies are prohibited from using gender as a factor in adjusting rates in North Carolina, but it’s important to note that age is still an approved factor.

Take a look at this table to see how age can affect average auto insurance rates in Advance, NC.

Average Annual Auto Insurance Rates by Age in Advance, NC
AgeAverage Annual Auto Insurance Rate
60$2,213.93
35$2,397.13
25$2,476.15
17$4,746.56
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As you can see, you’ll get the cheapest rates at 60 and the most expensive at 17.

While gender is no longer permitted as a factor in the adjustment of car insurance rates, this doesn’t mean the average rate for men and women is identical. The average rates by gender in Advance, NC are:

  • Male: $2958.44
  • Female: $2960.93

Interestingly, men currently pay about $2.50 less for coverage on average than women.

Finally, we’ll combine the age and gender data in this table, so you can see how both factors affect car insurance rates in Advance.

Average Annual Auto Insurance Rates by Age and Gender in Advance, NC
Age and Gender DemographicAverage Annual Car Insurance Rate
Married 60-year old male $2,210.85
Married 60-year old female $2,217.00
Married 35-year old male $2,393.93
Married 35-year old female$2,400.34
Single 25-year old male $2,475.28
Single 25-year old female$2,477.03
Single 17-year old male$4,743.76
Single 17-year old female $4,749.36
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As you can see, across the board for all ages, men pay slightly less for insurance coverage than women do in Advance, NC. However, the difference is minor, with the largest gap being about $7.

Which companies have the best auto insurance rates in Advance?

Beyond looking at age, car insurance companies consider a number of personal factors when adjusting your car insurance rates. Figuring out how these factors can affect you can be exhausting and take hours.

But don’t worry, that’s why we’re here. Read through the next few sections to learn more about a few of the factors insurance companies consider, so you’ll better understand Advance car insurance quotes you get when you’re shopping for coverage and even ways you may be able to lower car insurance rates by changing these factors (like keeping your driving record clean).

Auto Insurance Options in Advance

We’ve compiled a list of some of the insurance providers in Advance, along with their contact information, in order to give you an idea of the options you have the area. Take a look.

Advance, NC Auto Insurance Providers
Insurance ProviderAddressPhone Number
Keith W Hiller248 Nc Highway 801 N, Advance, NC 27006(336) 998-2557
Darryl Bandy Jr5116 Us Highway 158 Ste 101, Advance, NC 27006(336) 940-2302
NC Farm Bureau149 Yadkin Valley Rd, Advance, NC 27006(336) 998-6521
Brad Romine3770 Clemmons Rd Ste A, Clemmons, NC 27012(336) 766-3245
John Rose3551 Clemmons Rd, Clemmons, NC 27012(336) 766-1057
Christopher Just104 Stadium Oaks Dr Ste A, Clemmons, NC 27012(336) 766-6464
Whitley Reavis Insurance Agency6201 Towncenter Dr Ste 110, Clemmons, NC 27012(336) 766-0515
Barth R Tesh2265 Lewisville Clemmons Rd, Clemmons, NC 27012(336) 766-7306
Darrell W Wooldridge2265 Lewisville Clemmons Rd, Clemmons, NC 27012(336) 766-5999
Fortress Insurance Group2255 Lewisville Clemmons Rd Ste C, Clemmons, NC 27012(336) 354-4000
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This isn’t a complete list of Advance auto insurance agencies, but it’s a place to start. And remember, if you want to compare quotes from multiple companies at once, rather than calling each of these providers individually, you can use the free tool on this page to start getting quotes today. Comparing quotes can also give you options for nearby providers; for example, you live in Advance but auto insurance in Clemmons, NC, better fits your needs.

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Cheapest Auto Insurance Rates by Company

We’ll start with the cheapest rates by company. We’ve collected the average rates for the largest insurance providers in Advance, NC and summarized them in this table so you can see which companies offer the cheapest rates.

Average Annual Auto Insurance Rates by Company in Advance, NC
Insurance CompanyAverage
Liberty Mutual$1,918.26
Progressive$2,044.34
State Farm$2,389.32
Nationwide$2,487.59
Geico$2,716.67
Travelers$2,750.53
Allstate$6,402.39
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As you can see, Liberty Mutual offers the cheapest auto insurance rates, on average. However, as you already know, age can have a significant affect on your rates, as can other factors, so keep reading to learn more.

Best Auto Insurance for Credit History Rates

One factor that car insurance companies take into consideration when adjusting insurance rates that sometimes surprises people is credit score. Why? Because everything comes down to risk. Insurers want to know how likely you are to be a risky insured, so they look at factors beyond driving record (which we’ll discuss next) to help determine your overall risk factor.

Credit score provides a snapshot of financial responsibility, and often insurers extrapolate that if you’re responsible with your money and pay your bills on time (therefore earning a higher credit score), you’ll also be a responsible driver.

In general, the higher your score, the better off you are. According to Experian, the average credit score in the U.S. is 703, which is typically considered a good score, so this is great news for drivers. Even better news is that the average credit score in North Carolina is 712. Take a look at this table to see what this good credit score can get you, as compared to fair and poor credit scores.

Average Annual Auto Insurance Rates by Credit Score in Advance, NC
Insurance CompanyAverage Annual Auto Insurance Rates for a Good Credit ScoreAverage Annual Auto Insurance Rates for a Fair Credit ScoreAverage Annual Auto Insurance Rates for a Poor Credit Score
Liberty Mutual$1,918.26$1,918.26$1,918.26
Progressive$1,828.41$1,995.84$2,308.77
State Farm$1,669.69$2,146.39$3,351.88
Nationwide$2,487.59$2,487.59$2,487.59
Geico$2,499.91$2,703.33$2,946.76
Travelers$2,646.04$2,673.59$2,931.97
Allstate$4,927.15$5,627.77$8,652.25
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Overall, poor, fair, and good credit scores average rates in the following ranges for drivers in Advance, NC:

  • Average rate for good credit: $2,568.15
  • Average rate for fair credit: $2,793.25 (0-29 percent higher than good credit)
  • Average rate for poor credit: $3,513.93 (0-101 percent higher than good credit)

It’s also interesting to note when looking at the data in the table that if you have poor credit, Liberty Mutual and Nationwide may be good options for you, because neither adjusts their rates based on credit for drivers in Advance, NC.

Best Auto Insurance for Driving Record Rates

As you might expect, driving record can have a significant affect on your rates. Take a look at this video to hear a bit more about this from licensed insurance agents.

So how does it affect your rates in Advance, NC? Take a look at this table to see average rates based on a clean driving record, compared to driving records with a speeding ticket, an accident, and a DUI.

Average Annual Car Insurance Rates by Driving Record in Advance, NC
Insurance ProviderAverage Annual Car Insurance Rate for a Clean Driving RecordAverage Annual Car Insurance Rate for a Driving Record with 1 AccidentAverage Annual Car Insurance Rate for a Driving Record with 1 DUIAverage Annual Car Insurance Rate for a Driving Record with 1 Speeding Violation
Liberty Mutual$1,146.83$1,469.17$3,587.88$1,469.17
Progressive$966.34$1,406.77$4,444.17$1,360.07
State Farm$1,278.86$1,843.50$4,591.40$1,843.50
Nationwide$1,468.71$1,894.88$4,691.92$1,894.88
Geico$1,514.55$2,207.34$5,099.29$2,045.49
Travelers$1,647.42$2,146.15$5,091.25$2,117.32
Allstate$3,474.24$6,101.33$11,342.26$4,691.72
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To summarize this data even more,

  • For a speeding ticket – the average rate increase is 34.38 percent
  • For an accident – the average rate increase is 42.64 percent
  • For a DUI – the average rate increase is 246.2 percent

Exact increases vary by company, as shown in the table.

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Advance Auto Insurance Review: The Bottom Line

Hopefully, we helped you wherever you are: Whether you’re looking for Advance auto insurance on Peach Orchard road or elsewhere, when you’re shopping for car insurance in Advance, NC, there are a few things to keep in mind:

  • The average rate for auto insurance is $2,693.74 per year or $224.47 per month
  • Factors like age, credit score, and driving record can have a significant affect on your insurance rates
  • Gender is not a factor insurance companies are permitted to use when adjusting insurance rates anywhere in North Carolina

If you’re ready to buy Advance car insurance, start comparing rates for affordable Advance car insurance by using your ZIP code in our free tool today.