Best Cheap Auto Insurance in Locust, NC (2021)

The average Locust, NC auto insurance rates are $264 per month. The minimum auto insurance in Locust is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Locust, North Carolina, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Locust for teen drivers is Allstate
  • The cheapest auto insurance company in Locust is Liberty Mutual
  • Average auto insurance rates in Locust, NC for senior drivers are $2,386 per year

Locust, North Carolina auto insurance requirements are 30/60/25 according to North Carolina auto insurance laws. Finding cheap auto insurance in Locust 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 Locust, North Carolina, including driving record, credit, commute time, and more.

Compare auto insurance in Locust to other North Carolina cities, including Winston-Salem auto insurance rates, High Point auto insurance rates, and Cary auto insurance rates to see how Locust, North Carolina auto insurance rates stack up.

Before you buy Locust, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Locust, North Carolina auto insurance quotes.

Minimum Auto Insurance in Locust, North Carolina

Locust, 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 Locust, North Carolina.

Minimum Required Auto Insurance Coverage in Locust, 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 Locust, North Carolina Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Locust, North Carolina are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Locust, North Carolina

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 $5,185 $5,185 $4,257 $4,257 $12,397 $12,397 $5,287 $5,287
GEICO $2,493 $2,443 $2,449 $2,401 $4,640 $4,599 $2,167 $2,153
Liberty Mutual $1,683 $1,683 $1,742 $1,742 $2,926 $2,926 $1,683 $1,683
Nationwide $2,241 $2,241 $2,241 $2,241 $3,744 $3,744 $2,241 $2,241
Progressive $1,636 $1,636 $1,481 $1,481 $3,804 $3,804 $1,832 $1,832
State Farm $2,422 $2,422 $2,094 $2,094 $3,563 $3,563 $2,994 $2,994
Travelers $2,478 $2,478 $2,458 $2,458 $4,143 $4,143 $2,544 $2,544

Cheap Locust, North Carolina Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Locust, North Carolina is a challenge. Take a look at the annual teen auto insurance rates in Locust, North Carolina.

Annual Auto Insurance Rates for Teen Drivers in Locust, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,397 $12,397
GEICO $4,640 $4,599
Liberty Mutual $2,926 $2,926
Nationwide $3,744 $3,744
Progressive $3,804 $3,804
State Farm $3,563 $3,563
Travelers $4,143 $4,143

Cheap Locust, North Carolina Auto Insurance for Seniors

What are senior auto insurance rates in Locust, North Carolina? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Locust, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,257 $4,257
GEICO $2,449 $2,401
Liberty Mutual $1,742 $1,742
Nationwide $2,241 $2,241
Progressive $1,481 $1,481
State Farm $2,094 $2,094
Travelers $2,458 $2,458

Cheap Locust, 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 Locust, North Carolina compared to the annual auto insurance rates with a clean record in Locust, North Carolina.

Annual Locust, North Carolina Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,667 $6,460 $12,035 $4,964
GEICO $1,646 $2,372 $5,459 $2,196
Liberty Mutual $1,193 $1,535 $3,771 $1,535
Nationwide $1,534 $1,988 $4,958 $1,988
Progressive $1,025 $1,498 $4,780 $1,450
State Farm $1,488 $2,133 $5,320 $2,133
Travelers $1,727 $2,264 $5,402 $2,231

Cheap Locust, North Carolina Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Locust, North Carolina is not easy. Compare the annual rates for DUI auto insurance in Locust, North Carolina to find the best deal.

Annual Auto Insurance Rates After a DUI in Locust, North Carolina

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $12,035
GEICO $5,459
Liberty Mutual $3,771
Nationwide $4,958
Progressive $4,780
State Farm $5,320
Travelers $5,402

Cheap Locust, North Carolina Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Locust, North Carolina annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Locust, North Carolina

Insurance Company Poor Fair Good
Allstate $9,190 $5,947 $5,207
GEICO $3,172 $2,903 $2,680
Liberty Mutual $2,008 $2,008 $2,008
Nationwide $2,617 $2,617 $2,617
Progressive $2,485 $2,132 $1,948
State Farm $3,891 $2,485 $1,929
Travelers $3,102 $2,823 $2,792

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Cheap Locust, North Carolina Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Locust, North Carolina can vary. Compare the annual cost of auto insurance by ZIP code in Locust, North Carolina to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Locust, North Carolina

ZIP Code Average Annual Rates
28097 $2,872

Cheap Locust, North Carolina Auto Insurance Rates By Commute

Commute length and annual mileage affect Locust, North Carolina auto insurance. Find the cheapest annual Locust, North Carolina auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Locust, North Carolina

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,782 $6,782
GEICO $2,918 $2,918
Liberty Mutual $2,008 $2,008
Nationwide $2,617 $2,617
Progressive $2,188 $2,188
State Farm $2,752 $2,785
Travelers $2,906 $2,906

Cheap Locust, North Carolina Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Locust, North Carolina? Check out the comparison of annual Locust, North Carolina auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Locust, North Carolina

Insurance Company Low Medium High
Allstate $6,537 $6,757 $7,051
GEICO $2,785 $2,908 $3,061
Liberty Mutual $1,916 $1,996 $2,113
Nationwide $2,515 $2,604 $2,732
Progressive $2,084 $2,175 $2,306
State Farm $2,669 $2,755 $2,881
Travelers $2,790 $2,891 $3,037

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Best By Category: Cheapest Auto Insurance in Locust, North Carolina

Compare the cheapest auto insurance companies in Locust, North Carolina in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Locust, North Carolina

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 Locust, North Carolina Auto Insurance Companies

What auto insurance companies in Locust, North Carolina are the cheapest? Compare the top Locust, North Carolina auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Locust, North Carolina

Insurance Company Average Annual Rates
Allstate $6,782
GEICO $2,918
Liberty Mutual $2,008
Nationwide $2,617
Progressive $2,188
State Farm $2,768
Travelers $2,906

What affects auto insurance rates in Locust, North Carolina?

There are a lot of reasons why auto insurance rates in Locust, North Carolina are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Locust, North Carolina. Many local factors may affect your Locust auto insurance rates.

Locust Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Locust, North Carolina commute length is 33.1 minutes according to City-Data.

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Compare Locust, North Carolina Auto Insurance Quotes

Before you buy Locust, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Locust, North Carolina auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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