Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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Just What's Essential

  • Average car insurance rates in Boone, NC are $264/month
  • The cheapest car insurance company in Boone for teen drivers is Liberty Mutual
  • The cheapest car insurance company in Boone after a DUI is Liberty Mutual

Average car insurance rates in Boone, North Carolina are $264 a month. But with a little research you can get a great deal from the top car insurance companies in Boone, NC. Before you buy Boone, North Carolina car insurance, make sure your coverage meets or exceeds the North Carolina minimum of 30/60/25.

It may even be helpful to compare Boone car insurance rates with Wilmington car insurance rates, Charlotte car insurance rates, or Fayetteville car insurance rates to make sure you’re getting the best Boone, NC car insurance quotes available.

Need affordable Boone, NC car insurance? Enter your ZIP code to compare Boone car insurance quotes from multiple car insurance companies near you.

Boone, NC Minimum Car Insurance Coverage

Boone, North Carolina law requires drivers carry a minimum of 30/60/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Boone, 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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Boone, NC Car Insurance Rates by Coverage Level

Some Boone drivers can get by with the North Carolina minimum coverage of 30/60/25. Other drivers may need more. See how much your Boone, North Carolina car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Boone, North Carolina

Insurance Company Low Medium High
Allstate $6,472 $6,653 $6,897
GEICO $2,651 $2,753 $2,882
Liberty Mutual $1,891 $1,964 $2,071
Nationwide $2,505 $2,587 $2,703
Progressive $2,112 $2,196 $2,316
State Farm $3,008 $3,112 $3,260
Travelers $2,765 $2,858 $2,991

Boone, NC Car Insurance Rates by Age, Gender, and Marital Status

Boone, North Carolina car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Boone, NC car insurance, get quotes from multiple car insurance companies in the Boone area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Boone, 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 $5,098 $5,098 $4,187 $4,187 $12,212 $12,212 $5,199 $5,199
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 $1,691 $1,691 $1,545 $1,545 $3,741 $3,741 $1,855 $1,855
State Farm $2,736 $2,736 $2,364 $2,364 $4,022 $4,022 $3,384 $3,384
Travelers $2,444 $2,444 $2,424 $2,424 $4,108 $4,108 $2,509 $2,509

Boone, NC Car Insurance Rates for Teens

How much is Boone, North Carolina car insurance for teens? Compare rates from top Boone car insurance companies below to help find the cheapest teen car insurance in Boone, NC.

Annual Car Insurance Rates for Teen Drivers in Boone, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,212 $12,212
GEICO $4,309 $4,272
Liberty Mutual $2,886 $2,886
Nationwide $3,725 $3,725
Progressive $3,741 $3,741
State Farm $4,022 $4,022
Travelers $4,108 $4,108

Boone, NC Car Insurance Rates for Seniors

Before seniors buy Boone, North Carolina car insurance, they should make sure to shop around. Some Boone, NC car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Boone, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,187 $4,187
GEICO $2,340 $2,297
Liberty Mutual $1,711 $1,711
Nationwide $2,223 $2,223
Progressive $1,545 $1,545
State Farm $2,364 $2,364
Travelers $2,424 $2,424

Boone, NC Car Insurance Rates by Credit History

How does your credit history affect Boone, NC car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Boone, North Carolina

Insurance Company Poor Fair Good
Allstate $9,038 $5,866 $5,118
GEICO $2,997 $2,747 $2,542
Liberty Mutual $1,975 $1,975 $1,975
Nationwide $2,598 $2,598 $2,598
Progressive $2,481 $2,153 $1,991
State Farm $4,400 $2,805 $2,174
Travelers $3,065 $2,790 $2,759

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Boone, NC Car Insurance Rates by Driver History

How does a single speeding ticket affect your Boone, North Carolina car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Boone.

Annual Boone, North Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,613 $6,353 $11,843 $4,888
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 $1,045 $1,536 $4,764 $1,487
State Farm $1,660 $2,405 $6,037 $2,405
Travelers $1,706 $2,238 $5,336 $2,205

Boone, NC Car Insurance Rates With a DUI

Even a single DUI can increase your Boone, NC car insurance rates. Compare rates below to see which Boone car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Boone, North Carolina

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $11,843
GEICO $5,265
Liberty Mutual $3,708
Nationwide $4,922
Progressive $4,764
State Farm $6,037
Travelers $5,336

Boone, NC Car Insurance Rates by ZIP Code

Just like Boone car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Boone, NC car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Boone, North Carolina

ZIP Code Average Annual Rates
28607 $2,816
28608 $2,917

Boone, NC Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Boone, NC car insurance rates may be. Let’s take a look at average car insurance rates from top Boone companies based on commute time.

Annual Car Insurance Rates by Commute Length in Boone, North Carolina

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,674 $6,674
GEICO $2,762 $2,762
Liberty Mutual $1,975 $1,975
Nationwide $2,598 $2,598
Progressive $2,208 $2,208
State Farm $3,114 $3,140
Travelers $2,871 $2,871

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Boone, NC Cheapest Car Insurance Rates

How do the top Boone, North Carolina car insurance companies’ average rates stack up against the Boone average monthly car insurance rates of $264? Take a look and see.

Best Annual Car Insurance Rates by Company in Boone, North Carolina

Category Insurance Company
Teenagers Liberty Mutual
Seniors Progressive
Clean Record Progressive
With 1 Accident Liberty Mutual
With 1 DUI Liberty Mutual
With 1 Speeding Violation Progressive

Boone, NC Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Boone, North Carolina car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Boone, North Carolina

Insurance Company Average Annual Rates
Allstate $6,674
GEICO $2,762
Liberty Mutual $1,975
Nationwide $2,598
Progressive $2,208
State Farm $3,127
Travelers $2,871

Other Factors Affecting Boone, NC Car Insurance Rates

Before you buy Boone, North Carolina car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Boone, NC Commute Time

How does your Boone, NC commute time compare with the average driver? In Boone, the average commute is 13.6 minutes.

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Boone, NC Car Insurance Quotes

Compare Boone, NC car insurance quotes from multiple companies by entering your ZIP code now.