Best Cheap Auto Insurance in Spruce Pine, NC (2021)

The average Spruce Pine, NC auto insurance rates are $257 per month. The minimum auto insurance in Spruce Pine is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Spruce Pine, 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 Spruce Pine for teen drivers is Allstate
  • Average auto insurance rates in Spruce Pine, NC for senior drivers are $2,323 per year
  • The cheapest auto insurance company in Spruce Pine is Liberty Mutual

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

Compare auto insurance in Spruce Pine to other North Carolina cities, including Durham auto insurance rates, Wilmington auto insurance rates, and Greensboro auto insurance rates to see how Spruce Pine, North Carolina auto insurance rates stack up.

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

Minimum Auto Insurance in Spruce Pine, North Carolina

Spruce Pine, 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 Spruce Pine, North Carolina.

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

Auto insurance rates in Spruce Pine, 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 Spruce Pine, 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 $5,141 $5,141 $4,222 $4,222 $12,336 $12,336 $5,242 $5,242
GEICO $2,385 $2,339 $2,340 $2,297 $4,309 $4,272 $2,083 $2,071
Liberty Mutual $1,652 $1,652 $1,711 $1,711 $2,886 $2,886 $1,652 $1,652
Nationwide $2,223 $2,223 $2,223 $2,223 $3,725 $3,725 $2,223 $2,223
Progressive $1,611 $1,611 $1,454 $1,454 $3,751 $3,751 $1,796 $1,796
State Farm $2,209 $2,209 $1,910 $1,910 $3,248 $3,248 $2,729 $2,729
Travelers $2,444 $2,444 $2,424 $2,424 $4,108 $4,108 $2,509 $2,509

Cheap Spruce Pine, North Carolina Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Spruce Pine, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,336 $12,336
GEICO $4,309 $4,272
Liberty Mutual $2,886 $2,886
Nationwide $3,725 $3,725
Progressive $3,751 $3,751
State Farm $3,248 $3,248
Travelers $4,108 $4,108

Cheap Spruce Pine, North Carolina Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Spruce Pine, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,222 $4,222
GEICO $2,340 $2,297
Liberty Mutual $1,711 $1,711
Nationwide $2,223 $2,223
Progressive $1,454 $1,454
State Farm $1,910 $1,910
Travelers $2,424 $2,424

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

Annual Spruce Pine, North Carolina Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,648 $6,405 $11,953 $4,935
GEICO $1,513 $2,216 $5,265 $2,053
Liberty Mutual $1,174 $1,509 $3,708 $1,509
Nationwide $1,524 $1,974 $4,922 $1,974
Progressive $1,010 $1,477 $4,697 $1,428
State Farm $1,356 $1,945 $4,849 $1,945
Travelers $1,706 $2,238 $5,336 $2,205

Cheap Spruce Pine, North Carolina Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Spruce Pine, North Carolina

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $11,953
GEICO $5,265
Liberty Mutual $3,708
Nationwide $4,922
Progressive $4,697
State Farm $4,849
Travelers $5,336

Cheap Spruce Pine, North Carolina Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Spruce Pine, North Carolina

Insurance Company Poor Fair Good
Allstate $9,128 $5,918 $5,160
GEICO $2,997 $2,747 $2,542
Liberty Mutual $1,975 $1,975 $1,975
Nationwide $2,598 $2,598 $2,598
Progressive $2,440 $2,098 $1,921
State Farm $3,546 $2,266 $1,760
Travelers $3,065 $2,790 $2,759

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Cheap Spruce Pine, North Carolina Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Spruce Pine, North Carolina

ZIP Code Average Annual Rates
28777 $2,799

Cheap Spruce Pine, North Carolina Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Spruce Pine, North Carolina

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,735 $6,735
GEICO $2,762 $2,762
Liberty Mutual $1,975 $1,975
Nationwide $2,598 $2,598
Progressive $2,153 $2,153
State Farm $2,510 $2,538
Travelers $2,871 $2,871

Cheap Spruce Pine, North Carolina Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Spruce Pine, North Carolina

Insurance Company Low Medium High
Allstate $6,536 $6,714 $6,956
GEICO $2,651 $2,753 $2,882
Liberty Mutual $1,891 $1,964 $2,071
Nationwide $2,505 $2,587 $2,703
Progressive $2,057 $2,141 $2,261
State Farm $2,441 $2,512 $2,619
Travelers $2,765 $2,858 $2,991

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Best By Category: Cheapest Auto Insurance in Spruce Pine, North Carolina

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

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

Average Annual Auto Insurance Rates by Company in Spruce Pine, North Carolina

Insurance Company Average Annual Rates
Allstate $6,735
GEICO $2,762
Liberty Mutual $1,975
Nationwide $2,598
Progressive $2,153
State Farm $2,524
Travelers $2,871

What affects auto insurance rates in Spruce Pine, North Carolina?

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

Spruce Pine Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Spruce Pine, North Carolina commute length is 19.0 minutes according to City-Data.

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Compare Spruce Pine, North Carolina Auto Insurance Quotes

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