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

  • The cheapest car insurance company in Lincolnton for teen drivers is Liberty Mutual
  • The cheapest car insurance company in Lincolnton after a DUI is Liberty Mutual
  • Average car insurance rates in Lincolnton, NC are $283/month

Average car insurance rates in Lincolnton, North Carolina are $283 a month. But with a little research you can get a great deal from the top car insurance companies in Lincolnton, NC. Before you buy Lincolnton, 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 Lincolnton car insurance rates with Greensboro car insurance rates, Winston-Salem car insurance rates, or Concord car insurance rates to make sure you’re getting the best Lincolnton, NC car insurance quotes available.

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

Lincolnton, NC Minimum Car Insurance Coverage

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

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

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

Insurance Company Low Medium High
Allstate $6,847 $7,093 $7,415
GEICO $2,867 $2,996 $3,157
Liberty Mutual $2,108 $2,210 $2,354
Nationwide $2,715 $2,825 $2,977
Progressive $2,217 $2,340 $2,506
State Farm $2,912 $3,049 $3,237
Travelers $3,026 $3,155 $3,334

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lincolnton, 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 $5,422 $5,422 $4,449 $4,449 $13,073 $13,073 $5,529 $5,529
GEICO $2,577 $2,529 $2,536 $2,490 $4,730 $4,689 $2,259 $2,246
Liberty Mutual $1,854 $1,854 $1,919 $1,919 $3,269 $3,269 $1,854 $1,854
Nationwide $2,420 $2,420 $2,420 $2,420 $4,094 $4,094 $2,420 $2,420
Progressive $1,729 $1,729 $1,568 $1,568 $4,174 $4,174 $1,945 $1,945
State Farm $2,680 $2,680 $2,317 $2,317 $3,955 $3,955 $3,312 $3,312
Travelers $2,696 $2,696 $2,675 $2,675 $4,549 $4,549 $2,767 $2,767

Lincolnton, NC Car Insurance Rates for Teens

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,073 $13,073
GEICO $4,730 $4,689
Liberty Mutual $3,269 $3,269
Nationwide $4,094 $4,094
Progressive $4,174 $4,174
State Farm $3,955 $3,955
Travelers $4,549 $4,549

Lincolnton, NC Car Insurance Rates for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,449 $4,449
GEICO $2,536 $2,490
Liberty Mutual $1,919 $1,919
Nationwide $2,420 $2,420
Progressive $1,568 $1,568
State Farm $2,317 $2,317
Travelers $2,675 $2,675

Lincolnton, NC Car Insurance Rates by Credit History

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

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

Insurance Company Poor Fair Good
Allstate $9,636 $6,243 $5,475
GEICO $3,255 $2,992 $2,774
Liberty Mutual $2,224 $2,224 $2,224
Nationwide $2,839 $2,839 $2,839
Progressive $2,676 $2,296 $2,090
State Farm $4,308 $2,752 $2,137
Travelers $3,404 $3,082 $3,029

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Lincolnton, NC Car Insurance Rates by Driver History

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

Annual Lincolnton, North Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,863 $6,783 $12,609 $5,218
GEICO $1,626 $2,400 $5,776 $2,226
Liberty Mutual $1,325 $1,701 $4,169 $1,701
Nationwide $1,670 $2,160 $5,366 $2,160
Progressive $1,107 $1,615 $5,130 $1,564
State Farm $1,632 $2,362 $5,908 $2,362
Travelers $1,851 $2,488 $5,922 $2,426

Lincolnton, NC Car Insurance Rates With a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $12,609
GEICO $5,776
Liberty Mutual $4,169
Nationwide $5,366
Progressive $5,130
State Farm $5,908
Travelers $5,922

Lincolnton, NC Car Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,118 $7,118
GEICO $3,007 $3,007
Liberty Mutual $2,224 $2,224
Nationwide $2,839 $2,839
Progressive $2,354 $2,354
State Farm $3,055 $3,077
Travelers $3,172 $3,172

Lincolnton, NC Cheapest Car Insurance Rates

How do the top Lincolnton, North Carolina car insurance companies’ average rates stack up against the Lincolnton average monthly car insurance rates of $283? Take a look and see.

Best Annual Car Insurance Rates by Company in Lincolnton, 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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Lincolnton, NC Top Car Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $7,118
GEICO $3,007
Liberty Mutual $2,224
Nationwide $2,839
Progressive $2,354
State Farm $3,066
Travelers $3,172

Other Factors Affecting Lincolnton, NC Car Insurance Rates

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

Lincolnton, NC Commute Time

How does your Lincolnton, NC commute time compare with the average driver? In Lincolnton, the average commute is 23.8 minutes.

Lincolnton, NC Car Insurance Quotes

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