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 Elkin, NC are $259/month
  • The cheapest car insurance company in Elkin after a DUI is Liberty Mutual
  • The cheapest car insurance company in Elkin for teen drivers is Liberty Mutual

Average car insurance rates in Elkin, North Carolina are $259 a month. But with a little research you can get a great deal from the top car insurance companies in Elkin, NC. Before you buy Elkin, 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 Elkin car insurance rates with Fayetteville car insurance rates, Durham car insurance rates, or Greensboro car insurance rates to make sure you’re getting the best Elkin, NC car insurance quotes available.

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

Elkin, NC Minimum Car Insurance Coverage

Elkin, 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 Elkin, 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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Elkin, NC Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $6,422 $6,606 $6,855
GEICO $2,698 $2,806 $2,944
Liberty Mutual $1,916 $1,996 $2,113
Nationwide $2,515 $2,604 $2,732
Progressive $2,095 $2,188 $2,319
State Farm $2,524 $2,604 $2,723
Travelers $2,790 $2,891 $3,037

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Elkin, 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 $5,071 $5,071 $4,166 $4,166 $12,101 $12,101 $5,172 $5,172
GEICO $2,423 $2,376 $2,380 $2,335 $4,417 $4,378 $2,115 $2,102
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 $1,662 $1,662 $1,503 $1,503 $3,791 $3,791 $1,847 $1,847
State Farm $2,289 $2,289 $1,980 $1,980 $3,368 $3,368 $2,829 $2,829
Travelers $2,478 $2,478 $2,458 $2,458 $4,143 $4,143 $2,544 $2,544

Elkin, NC Car Insurance Rates for Teens

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,101 $12,101
GEICO $4,417 $4,378
Liberty Mutual $2,926 $2,926
Nationwide $3,744 $3,744
Progressive $3,791 $3,791
State Farm $3,368 $3,368
Travelers $4,143 $4,143

Elkin, NC Car Insurance Rates for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,166 $4,166
GEICO $2,380 $2,335
Liberty Mutual $1,742 $1,742
Nationwide $2,241 $2,241
Progressive $1,503 $1,503
State Farm $1,980 $1,980
Travelers $2,458 $2,458

Elkin, NC Car Insurance Rates by Credit History

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

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

Insurance Company Poor Fair Good
Allstate $8,976 $5,823 $5,083
GEICO $3,055 $2,801 $2,591
Liberty Mutual $2,008 $2,008 $2,008
Nationwide $2,617 $2,617 $2,617
Progressive $2,492 $2,146 $1,965
State Farm $3,676 $2,350 $1,825
Travelers $3,102 $2,823 $2,792

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Elkin, NC Car Insurance Rates by Driver History

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

Annual Elkin, North Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,583 $6,311 $11,764 $4,852
GEICO $1,549 $2,266 $5,348 $2,099
Liberty Mutual $1,193 $1,535 $3,771 $1,535
Nationwide $1,534 $1,988 $4,958 $1,988
Progressive $1,032 $1,512 $4,796 $1,463
State Farm $1,410 $2,018 $5,022 $2,018
Travelers $1,727 $2,264 $5,402 $2,231

Elkin, NC Car Insurance Rates With a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $11,764
GEICO $5,348
Liberty Mutual $3,771
Nationwide $4,958
Progressive $4,796
State Farm $5,022
Travelers $5,402

Elkin, NC Car Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,628 $6,628
GEICO $2,816 $2,816
Liberty Mutual $2,008 $2,008
Nationwide $2,617 $2,617
Progressive $2,201 $2,201
State Farm $2,601 $2,633
Travelers $2,906 $2,906

Elkin, NC Cheapest Car Insurance Rates

How do the top Elkin, North Carolina car insurance companies’ average rates stack up against the Elkin average monthly car insurance rates of $259? Take a look and see.

Best Annual Car Insurance Rates by Company in Elkin, 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

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Elkin, NC Top Car Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $6,628
GEICO $2,816
Liberty Mutual $2,008
Nationwide $2,617
Progressive $2,201
State Farm $2,617
Travelers $2,906

Other Factors Affecting Elkin, NC Car Insurance Rates

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

Elkin, NC Commute Time

How does your Elkin, NC commute time compare with the average driver? In Elkin, the average commute is 21.7 minutes.

Elkin, NC Car Insurance Quotes

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