Best Cheap Auto Insurance in Spencer, NC (2021)

The average Spencer, NC auto insurance rates are $283 per month. The minimum auto insurance in Spencer is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Spencer, 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 cheapest auto insurance company in Spencer is Liberty Mutual
  • The most expensive auto insurance company in Spencer for teen drivers is Allstate
  • The minimum auto insurance required in Spencer, North Carolina is 30/60/25

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

Compare auto insurance in Spencer to other North Carolina cities, including Winston-Salem auto insurance rates, Wilmington auto insurance rates, and Concord auto insurance rates to see how Spencer, North Carolina auto insurance rates stack up.

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

Minimum Auto Insurance in Spencer, North Carolina

Spencer, 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 Spencer, North Carolina.

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

Auto insurance rates in Spencer, 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 Spencer, 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 $5,127 $5,127 $4,203 $4,203 $12,407 $12,407 $5,228 $5,228
GEICO $2,622 $2,573 $2,592 $2,545 $4,928 $4,884 $2,301 $2,288
Liberty Mutual $1,926 $1,926 $1,993 $1,993 $3,442 $3,442 $1,926 $1,926
Nationwide $2,490 $2,490 $2,490 $2,490 $4,266 $4,266 $2,490 $2,490
Progressive $1,859 $1,859 $1,706 $1,706 $4,378 $4,378 $2,064 $2,064
State Farm $2,539 $2,539 $2,197 $2,197 $3,755 $3,755 $3,136 $3,136
Travelers $2,770 $2,770 $2,748 $2,748 $4,722 $4,722 $2,843 $2,843

Cheap Spencer, North Carolina Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,407 $12,407
GEICO $4,928 $4,884
Liberty Mutual $3,442 $3,442
Nationwide $4,266 $4,266
Progressive $4,378 $4,378
State Farm $3,755 $3,755
Travelers $4,722 $4,722

Cheap Spencer, North Carolina Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,203 $4,203
GEICO $2,592 $2,545
Liberty Mutual $1,993 $1,993
Nationwide $2,490 $2,490
Progressive $1,706 $1,706
State Farm $2,197 $2,197
Travelers $2,748 $2,748

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

Annual Spencer, North Carolina Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,661 $6,455 $11,914 $4,935
GEICO $1,659 $2,467 $5,949 $2,292
Liberty Mutual $1,387 $1,778 $4,344 $1,778
Nationwide $1,732 $2,234 $5,534 $2,234
Progressive $1,194 $1,735 $5,399 $1,678
State Farm $1,548 $2,241 $5,596 $2,241
Travelers $1,869 $2,585 $6,138 $2,491

Cheap Spencer, North Carolina Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $11,914
GEICO $5,949
Liberty Mutual $4,344
Nationwide $5,534
Progressive $5,399
State Farm $5,596
Travelers $6,138

Cheap Spencer, North Carolina Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $9,071 $5,933 $5,221
GEICO $3,341 $3,078 $2,857
Liberty Mutual $2,322 $2,322 $2,322
Nationwide $2,934 $2,934 $2,934
Progressive $2,798 $2,444 $2,263
State Farm $4,080 $2,611 $2,030
Travelers $3,532 $3,179 $3,102

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Cheap Spencer, North Carolina Auto Insurance Rates By ZIP Code

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

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

ZIP Code Average Annual Rates
28159 $3,101

Cheap Spencer, North Carolina Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,741 $6,741
GEICO $3,092 $3,092
Liberty Mutual $2,322 $2,322
Nationwide $2,934 $2,934
Progressive $2,502 $2,502
State Farm $2,898 $2,915
Travelers $3,271 $3,271

Cheap Spencer, North Carolina Auto Insurance Rates By Coverage Level

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

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

Insurance Company Low Medium High
Allstate $6,459 $6,712 $7,052
GEICO $2,938 $3,081 $3,256
Liberty Mutual $2,202 $2,307 $2,456
Nationwide $2,802 $2,918 $3,081
Progressive $2,360 $2,486 $2,658
State Farm $2,774 $2,891 $3,055
Travelers $3,122 $3,253 $3,438

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

Compare the cheapest auto insurance companies in Spencer, 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 Spencer, 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 Spencer, North Carolina Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $6,741
GEICO $3,092
Liberty Mutual $2,322
Nationwide $2,934
Progressive $2,502
State Farm $2,907
Travelers $3,271

Compare Spencer, North Carolina Auto Insurance Quotes

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