Best Cheap Auto Insurance in Stem, NC (2021)

The average Stem, NC auto insurance rates are $318 per month. The minimum auto insurance in Stem is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Stem, 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 average commute length in Stem is 29.9 minutes
  • The cheapest auto insurance company in Stem is Liberty Mutual
  • The minimum auto insurance required in Stem, North Carolina is 30/60/25

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

Compare auto insurance in Stem to other North Carolina cities, including Fayetteville auto insurance rates, Charlotte auto insurance rates, and High Point auto insurance rates to see how Stem, North Carolina auto insurance rates stack up.

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

Minimum Auto Insurance in Stem, North Carolina

Stem, 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 Stem, North Carolina.

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

Auto insurance rates in Stem, 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 Stem, 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 $5,793 $5,793 $4,760 $4,760 $13,836 $13,836 $5,907 $5,907
GEICO $2,769 $2,722 $2,727 $2,682 $4,885 $4,844 $2,458 $2,445
Liberty Mutual $2,160 $2,160 $2,236 $2,236 $3,847 $3,847 $2,160 $2,160
Nationwide $2,861 $2,861 $2,861 $2,861 $4,885 $4,885 $2,861 $2,861
Progressive $2,122 $2,122 $1,931 $1,931 $4,997 $4,997 $2,366 $2,366
State Farm $3,012 $3,012 $2,604 $2,604 $4,445 $4,445 $3,723 $3,723
Travelers $3,128 $3,128 $3,103 $3,103 $5,315 $5,315 $3,210 $3,210

Cheap Stem, North Carolina Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,836 $13,836
GEICO $4,885 $4,844
Liberty Mutual $3,847 $3,847
Nationwide $4,885 $4,885
Progressive $4,997 $4,997
State Farm $4,445 $4,445
Travelers $5,315 $5,315

Cheap Stem, North Carolina Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,760 $4,760
GEICO $2,727 $2,682
Liberty Mutual $2,236 $2,236
Nationwide $2,861 $2,861
Progressive $1,931 $1,931
State Farm $2,604 $2,604
Travelers $3,103 $3,103

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

Annual Stem, North Carolina Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,098 $7,213 $13,439 $5,546
GEICO $1,603 $2,457 $6,418 $2,288
Liberty Mutual $1,549 $1,989 $4,876 $1,989
Nationwide $1,982 $2,562 $6,362 $2,562
Progressive $1,348 $1,965 $6,201 $1,901
State Farm $1,836 $2,654 $6,640 $2,654
Travelers $2,100 $2,914 $6,935 $2,807

Cheap Stem, North Carolina Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $13,439
GEICO $6,418
Liberty Mutual $4,876
Nationwide $6,362
Progressive $6,201
State Farm $6,640
Travelers $6,935

Cheap Stem, North Carolina Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $10,259 $6,650 $5,813
GEICO $3,434 $3,177 $2,963
Liberty Mutual $2,601 $2,601 $2,601
Nationwide $3,367 $3,367 $3,367
Progressive $3,209 $2,790 $2,563
State Farm $4,843 $3,093 $2,402
Travelers $3,986 $3,585 $3,497

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Cheap Stem, North Carolina Auto Insurance Rates By ZIP Code

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

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

ZIP Code Average Annual Rates
27581 $3,472

Cheap Stem, North Carolina Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $7,574 $7,574
GEICO $3,192 $3,192
Liberty Mutual $2,601 $2,601
Nationwide $3,367 $3,367
Progressive $2,854 $2,854
State Farm $3,432 $3,460
Travelers $3,689 $3,689

Cheap Stem, North Carolina Auto Insurance Rates By Coverage Level

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

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

Insurance Company Low Medium High
Allstate $7,325 $7,548 $7,850
GEICO $3,048 $3,180 $3,346
Liberty Mutual $2,476 $2,585 $2,741
Nationwide $3,228 $3,352 $3,521
Progressive $2,706 $2,838 $3,018
State Farm $3,316 $3,430 $3,591
Travelers $3,534 $3,671 $3,863

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

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

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

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

Insurance Company Average Annual Rates
Allstate $7,574
GEICO $3,192
Liberty Mutual $2,601
Nationwide $3,367
Progressive $2,854
State Farm $3,446
Travelers $3,689

What affects auto insurance rates in Stem, North Carolina?

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

Stem Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Stem, North Carolina commute length is 29.9 minutes according to City-Data.

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Compare Stem, North Carolina Auto Insurance Quotes

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