Best Lincolnton, North Carolina Auto Insurance in 2025
The average Lincolnton, NC auto insurance rates are $283 per month. The minimum auto insurance in Lincolnton is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Lincolnton, North Carolina, compare quotes from multiple companies.
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Table of Contents
Managing Editor
Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. She curated news articles and insider interviews with investors and small business owners, leading to conversations with key players in the le...
Laura Kuhl
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Travis Thompson
Updated September 2024
- The most expensive auto insurance company in Lincolnton for teen drivers is Allstate
- The cheapest auto insurance company in Lincolnton is Liberty Mutual
- The minimum auto insurance required in Lincolnton, North Carolina is 30/60/25
Lincolnton, North Carolina auto insurance requirements are 30/60/25 according to North Carolina auto insurance laws. Finding cheap auto insurance in Lincolnton 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 Lincolnton, North Carolina, including driving record, credit, commute time, and more.
Compare auto insurance in Lincolnton to other North Carolina cities, including Wilmington auto insurance rates, Durham auto insurance rates, and Cary auto insurance rates to see how Lincolnton, North Carolina auto insurance rates stack up.
Before you buy Lincolnton, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Lincolnton, North Carolina auto insurance quotes.
Minimum Auto Insurance in Lincolnton, North Carolina
Lincolnton, 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 Lincolnton, 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 Lincolnton, North Carolina Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Lincolnton, 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 | $5,422 | $5,422 | $4,449 | $4,449 | $13,073 | $13,073 | $5,529 | $5,529 |
| Geico | $2,577 | $2,529 | $2,536 | $2,490 | $4,730 | $4,689 | $2,259 | $2,246 |
| Liberty Mutual | $1,854 | $1,854 | $1,919 | $1,919 | $3,269 | $3,269 | $1,854 | $1,854 |
| Nationwide | $2,420 | $2,420 | $2,420 | $2,420 | $4,094 | $4,094 | $2,420 | $2,420 |
| Progressive | $1,729 | $1,729 | $1,568 | $1,568 | $4,174 | $4,174 | $1,945 | $1,945 |
| State Farm | $2,680 | $2,680 | $2,317 | $2,317 | $3,955 | $3,955 | $3,312 | $3,312 |
| Travelers | $2,696 | $2,696 | $2,675 | $2,675 | $4,549 | $4,549 | $2,767 | $2,767 |
Cheap Lincolnton, North Carolina Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Lincolnton, North Carolina is a challenge. Take a look at the annual teen auto insurance rates in Lincolnton, North Carolina.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $13,073 | $13,073 |
| Geico | $4,730 | $4,689 |
| Liberty Mutual | $3,269 | $3,269 |
| Nationwide | $4,094 | $4,094 |
| Progressive | $4,174 | $4,174 |
| State Farm | $3,955 | $3,955 |
| Travelers | $4,549 | $4,549 |
Cheap Lincolnton, North Carolina Auto Insurance for Seniors
What are senior auto insurance rates in Lincolnton, 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 | $4,449 | $4,449 |
| Geico | $2,536 | $2,490 |
| Liberty Mutual | $1,919 | $1,919 |
| Nationwide | $2,420 | $2,420 |
| Progressive | $1,568 | $1,568 |
| State Farm | $2,317 | $2,317 |
| Travelers | $2,675 | $2,675 |
Cheap Lincolnton, 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 Lincolnton, North Carolina compared to the annual auto insurance rates with a clean record in Lincolnton, North Carolina.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,863 | $6,783 | $12,609 | $5,218 |
| Geico | $1,626 | $2,400 | $5,776 | $2,226 |
| Liberty Mutual | $1,325 | $1,701 | $4,169 | $1,701 |
| Nationwide | $1,670 | $2,160 | $5,366 | $2,160 |
| Progressive | $1,107 | $1,615 | $5,130 | $1,564 |
| State Farm | $1,632 | $2,362 | $5,908 | $2,362 |
| Travelers | $1,851 | $2,488 | $5,922 | $2,426 |
Cheap Lincolnton, North Carolina Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Lincolnton, North Carolina is not easy. Compare the annual rates for DUI auto insurance in Lincolnton, North Carolina to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $12,609 |
| Geico | $5,776 |
| Liberty Mutual | $4,169 |
| Nationwide | $5,366 |
| Progressive | $5,130 |
| State Farm | $5,908 |
| Travelers | $5,922 |
Cheap Lincolnton, North Carolina Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Lincolnton, North Carolina annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $9,636 | $6,243 | $5,475 |
| Geico | $3,255 | $2,992 | $2,774 |
| Liberty Mutual | $2,224 | $2,224 | $2,224 |
| Nationwide | $2,839 | $2,839 | $2,839 |
| Progressive | $2,676 | $2,296 | $2,090 |
| State Farm | $4,308 | $2,752 | $2,137 |
| Travelers | $3,404 | $3,082 | $3,029 |
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Cheap Lincolnton, North Carolina Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Lincolnton, North Carolina can vary. Compare the annual cost of auto insurance by ZIP code in Lincolnton, North Carolina to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 28092 | $3,079 |
Cheap Lincolnton, North Carolina Auto Insurance Rates By Commute
Commute length and annual mileage affect Lincolnton, North Carolina auto insurance. Find the cheapest annual Lincolnton, North Carolina auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $7,118 | $7,118 |
| Geico | $3,007 | $3,007 |
| Liberty Mutual | $2,224 | $2,224 |
| Nationwide | $2,839 | $2,839 |
| Progressive | $2,354 | $2,354 |
| State Farm | $3,055 | $3,077 |
| Travelers | $3,172 | $3,172 |
Cheap Lincolnton, North Carolina Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Lincolnton, North Carolina? Check out the comparison of annual Lincolnton, North Carolina auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,847 | $7,093 | $7,415 |
| Geico | $2,867 | $2,996 | $3,157 |
| Liberty Mutual | $2,108 | $2,210 | $2,354 |
| Nationwide | $2,715 | $2,825 | $2,977 |
| Progressive | $2,217 | $2,340 | $2,506 |
| State Farm | $2,912 | $3,049 | $3,237 |
| Travelers | $3,026 | $3,155 | $3,334 |
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Best By Category: Cheapest Auto Insurance in Lincolnton, North Carolina
Compare the cheapest auto insurance companies in Lincolnton, 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 Lincolnton, North Carolina Auto Insurance Companies
What auto insurance companies in Lincolnton, North Carolina are the cheapest? Compare the top Lincolnton, North Carolina auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $7,118 |
| Geico | $3,007 |
| Liberty Mutual | $2,224 |
| Nationwide | $2,839 |
| Progressive | $2,354 |
| State Farm | $3,066 |
| Travelers | $3,172 |
What affects auto insurance rates in Lincolnton, North Carolina?
There are a lot of reasons why auto insurance rates in Lincolnton, North Carolina are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lincolnton, North Carolina. Many local factors may affect your Lincolnton auto insurance rates.
Lincolnton Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lincolnton, North Carolina commute length is 23.8 minutes according to City-Data.
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Compare Lincolnton, North Carolina Auto Insurance Quotes
Before you buy Lincolnton, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Lincolnton, North Carolina auto insurance quotes.
Frequently Asked Questions
What are the minimum auto insurance requirements in Lincolnton, North Carolina?
The minimum auto insurance requirements in Lincolnton, North Carolina, according to state laws, are 30/60/25. This means you need to 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.
How can I find cheap auto insurance in Lincolnton, North Carolina?
To find the best cheap auto insurance in Lincolnton, North Carolina, it is recommended to compare quotes from multiple companies. By comparing rates, you can identify the most affordable options available to you.
How do age, gender, and marital status affect auto insurance rates in Lincolnton, North Carolina?
Age, gender, and marital status can impact auto insurance rates in Lincolnton, North Carolina. Generally, young drivers, especially teenagers, tend to have higher rates. Insurance rates can also vary based on gender and marital status. It’s advisable to compare quotes to see how these factors affect your premiums.
Are there specific considerations for teen drivers when it comes to auto insurance in Lincolnton, North Carolina?
Teen drivers often face higher auto insurance rates due to their lack of driving experience. Finding cheap auto insurance for teen drivers in Lincolnton, North Carolina can be challenging. It’s important to explore options such as good student discounts and adding them to their parents’ policy to potentially reduce costs.
How does driving record affect auto insurance rates in Lincolnton, North Carolina?
Your driving record has a significant impact on auto insurance rates in Lincolnton, North Carolina. Drivers with a clean record generally enjoy lower rates compared to those with a history of accidents, violations, or DUI offenses. It’s advisable to maintain a good driving record to secure more affordable insurance premiums.
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