Best Duck, North Carolina Auto Insurance in 2025
The average Duck, NC auto insurance rates are $259 per month. The minimum auto insurance in Duck is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Duck, North Carolina, compare quotes from multiple companies.
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Insurance Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywrite...
Tonya Sisler
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ach...
Schimri Yoyo
Updated September 2024
- The minimum auto insurance required in Duck, North Carolina is 30/60/25
- The most expensive auto insurance company in Duck for teen drivers is Allstate
- Average auto insurance rates in Duck, NC for senior drivers are $2,333 per year
Duck, North Carolina auto insurance requirements are 30/60/25 according to North Carolina auto insurance laws. Finding cheap auto insurance in Duck can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Duck, North Carolina, including driving record, credit, commute time, and more.
Compare auto insurance in Duck to other North Carolina cities, including Fayetteville auto insurance rates, High Point auto insurance rates, and Wilmington auto insurance rates to see how Duck, North Carolina auto insurance rates stack up.
Before you buy Duck, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Duck, North Carolina auto insurance quotes.
Minimum Auto Insurance in Duck, North Carolina
Duck, North Carolina auto insurance laws require that you have at least the North Carolina minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Duck, North Carolina.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Duck, North Carolina Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Duck, North Carolina are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $5,383 | $5,383 | $4,431 | $4,431 | $12,633 | $12,633 | $5,489 | $5,489 |
| Geico | $2,252 | $2,211 | $2,218 | $2,179 | $4,058 | $4,023 | $1,982 | $1,971 |
| Liberty Mutual | $1,661 | $1,661 | $1,718 | $1,718 | $2,909 | $2,909 | $1,661 | $1,661 |
| Nationwide | $2,203 | $2,203 | $2,203 | $2,203 | $3,710 | $3,710 | $2,203 | $2,203 |
| Progressive | $1,479 | $1,479 | $1,336 | $1,336 | $3,728 | $3,728 | $1,679 | $1,679 |
| State Farm | $2,349 | $2,349 | $2,031 | $2,031 | $3,457 | $3,457 | $2,902 | $2,902 |
| Travelers | $2,437 | $2,437 | $2,417 | $2,417 | $4,106 | $4,106 | $2,501 | $2,501 |
Cheap Duck, North Carolina Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Duck, North Carolina is a challenge. Take a look at the annual teen auto insurance rates in Duck, North Carolina.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $12,633 | $12,633 |
| Geico | $4,058 | $4,023 |
| Liberty Mutual | $2,909 | $2,909 |
| Nationwide | $3,710 | $3,710 |
| Progressive | $3,728 | $3,728 |
| State Farm | $3,457 | $3,457 |
| Travelers | $4,106 | $4,106 |
Cheap Duck, North Carolina Auto Insurance for Seniors
What are senior auto insurance rates in Duck, North Carolina? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,431 | $4,431 |
| Geico | $2,218 | $2,179 |
| Liberty Mutual | $1,718 | $1,718 |
| Nationwide | $2,203 | $2,203 |
| Progressive | $1,336 | $1,336 |
| State Farm | $2,031 | $2,031 |
| Travelers | $2,417 | $2,417 |
Cheap Duck, North Carolina Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Duck, North Carolina compared to the annual auto insurance rates with a clean record in Duck, North Carolina.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,758 | $6,651 | $12,423 | $5,103 |
| Geico | $1,379 | $2,062 | $5,089 | $1,915 |
| Liberty Mutual | $1,183 | $1,520 | $3,725 | $1,520 |
| Nationwide | $1,516 | $1,962 | $4,879 | $1,962 |
| Progressive | $960 | $1,406 | $4,492 | $1,362 |
| State Farm | $1,446 | $2,070 | $5,154 | $2,070 |
| Travelers | $1,707 | $2,234 | $5,319 | $2,202 |
Cheap Duck, North Carolina Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Duck, North Carolina is not easy. Compare the annual rates for DUI auto insurance in Duck, North Carolina to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $12,423 |
| Geico | $5,089 |
| Liberty Mutual | $3,725 |
| Nationwide | $4,879 |
| Progressive | $4,492 |
| State Farm | $5,154 |
| Travelers | $5,319 |
Cheap Duck, North Carolina Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Duck, North Carolina annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $9,487 | $6,119 | $5,345 |
| Geico | $2,821 | $2,599 | $2,414 |
| Liberty Mutual | $1,987 | $1,987 | $1,987 |
| Nationwide | $2,580 | $2,580 | $2,580 |
| Progressive | $2,368 | $1,996 | $1,802 |
| State Farm | $3,772 | $2,411 | $1,872 |
| Travelers | $3,058 | $2,784 | $2,754 |
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Cheap Duck, North Carolina Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Duck, North Carolina can vary. Compare the annual cost of auto insurance by ZIP code in Duck, North Carolina to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 27949 | $2,809 |
Cheap Duck, North Carolina Auto Insurance Rates By Commute
Commute length and annual mileage affect Duck, North Carolina auto insurance. Find the cheapest annual Duck, North Carolina auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $6,984 | $6,984 |
| Geico | $2,611 | $2,611 |
| Liberty Mutual | $1,987 | $1,987 |
| Nationwide | $2,580 | $2,580 |
| Progressive | $2,055 | $2,055 |
| State Farm | $2,668 | $2,701 |
| Travelers | $2,865 | $2,865 |
Cheap Duck, North Carolina Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Duck, North Carolina? Check out the comparison of annual Duck, North Carolina auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,754 | $6,958 | $7,240 |
| Geico | $2,495 | $2,601 | $2,739 |
| Liberty Mutual | $1,896 | $1,974 | $2,091 |
| Nationwide | $2,479 | $2,567 | $2,694 |
| Progressive | $1,951 | $2,042 | $2,173 |
| State Farm | $2,579 | $2,671 | $2,804 |
| Travelers | $2,751 | $2,850 | $2,995 |
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Best By Category: Cheapest Auto Insurance in Duck, North Carolina
Compare the cheapest auto insurance companies in Duck, North Carolina in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Liberty Mutual |
| Seniors | Progressive |
| Clean Record | Progressive |
| With 1 Accident | Progressive |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | Progressive |
The Cheapest Duck, North Carolina Auto Insurance Companies
What auto insurance companies in Duck, North Carolina are the cheapest? Compare the top Duck, North Carolina auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,984 |
| Geico | $2,611 |
| Liberty Mutual | $1,987 |
| Nationwide | $2,580 |
| Progressive | $2,055 |
| State Farm | $2,685 |
| Travelers | $2,865 |
What affects auto insurance rates in Duck, North Carolina?
There are a lot of reasons why auto insurance rates in Duck, North Carolina are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Duck, North Carolina. Many local factors may affect your Duck auto insurance rates.
Duck Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Duck, North Carolina commute length is 24.2 minutes according to City-Data.
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Compare Duck, North Carolina Auto Insurance Quotes
Before you buy Duck, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Duck, North Carolina auto insurance quotes.
Frequently Asked Questions
What are the minimum auto insurance requirements in Duck, North Carolina?
Duck, North Carolina auto insurance laws require a minimum coverage of 30/60/25. This means you must have at least $30,000 in bodily injury liability coverage per person, $60,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.
What factors can affect auto insurance rates in Duck, North Carolina?
Several factors can impact auto insurance rates in Duck, North Carolina, including your driving record, credit history, age, gender, marital status, commute time, ZIP code, and coverage level.
How can I find cheap auto insurance in Duck, North Carolina?
To find the best cheap auto insurance in Duck, North Carolina, it’s recommended to compare quotes from multiple insurance companies. By comparing rates, you can find the most affordable option for your specific needs.
How does age, gender, and marital status affect auto insurance rates in Duck, North Carolina?
Age, gender, and marital status can impact auto insurance rates. Generally, young drivers and male drivers tend to have higher rates, while married drivers and older drivers may receive lower rates.
What are the average auto insurance rates for teen drivers in Duck, North Carolina?
Teen drivers usually have higher auto insurance rates. The average annual rates for teen drivers in Duck, North Carolina can vary. It’s recommended to obtain specific quotes from insurance companies to get accurate pricing.
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