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 Otto after a DUI is Liberty Mutual
  • The cheapest car insurance company in Otto for teen drivers is Liberty Mutual
  • Average car insurance rates in Otto, NC for senior drivers are $2,218/year

Average car insurance rates in Otto, North Carolina are $247 a month. But with a little research you can get a great deal from the top car insurance companies in Otto, NC. Before you buy Otto, 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 Otto car insurance rates with Wilmington car insurance rates, Cary car insurance rates, or High Point car insurance rates to make sure you’re getting the best Otto, NC car insurance quotes available.

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

Otto, NC Minimum Car Insurance Coverage

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

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

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

Insurance Company Low Medium High
Allstate $6,349 $6,524 $6,761
GEICO $2,559 $2,663 $2,794
Liberty Mutual $1,783 $1,854 $1,960
Nationwide $2,355 $2,434 $2,548
Progressive $1,985 $2,065 $2,183
State Farm $2,357 $2,425 $2,528
Travelers $2,579 $2,668 $2,798

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Otto, 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 $4,968 $4,968 $4,074 $4,074 $12,070 $12,070 $5,066 $5,066
GEICO $2,276 $2,231 $2,238 $2,195 $4,261 $4,222 $1,983 $1,971
Liberty Mutual $1,552 $1,552 $1,606 $1,606 $2,754 $2,754 $1,552 $1,552
Nationwide $2,080 $2,080 $2,080 $2,080 $3,544 $3,544 $2,080 $2,080
Progressive $1,573 $1,573 $1,451 $1,451 $3,557 $3,557 $1,730 $1,730
State Farm $2,131 $2,131 $1,844 $1,844 $3,138 $3,138 $2,633 $2,633
Travelers $2,272 $2,272 $2,253 $2,253 $3,870 $3,870 $2,332 $2,332

Otto, NC Car Insurance Rates for Teens

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,070 $12,070
GEICO $4,261 $4,222
Liberty Mutual $2,754 $2,754
Nationwide $3,544 $3,544
Progressive $3,557 $3,557
State Farm $3,138 $3,138
Travelers $3,870 $3,870

Otto, NC Car Insurance Rates for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,074 $4,074
GEICO $2,238 $2,195
Liberty Mutual $1,606 $1,606
Nationwide $2,080 $2,080
Progressive $1,451 $1,451
State Farm $1,844 $1,844
Travelers $2,253 $2,253

Otto, NC Car Insurance Rates by Credit History

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

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

Insurance Company Poor Fair Good
Allstate $8,861 $5,754 $5,019
GEICO $2,901 $2,658 $2,457
Liberty Mutual $1,866 $1,866 $1,866
Nationwide $2,446 $2,446 $2,446
Progressive $2,318 $2,031 $1,883
State Farm $3,422 $2,188 $1,700
Travelers $2,879 $2,606 $2,561

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Otto, NC Car Insurance Rates by Driver History

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

Annual Otto, North Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,557 $6,219 $11,600 $4,804
GEICO $1,492 $2,169 $5,019 $2,008
Liberty Mutual $1,114 $1,428 $3,492 $1,428
Nationwide $1,442 $1,862 $4,616 $1,862
Progressive $989 $1,450 $4,470 $1,401
State Farm $1,298 $1,878 $4,693 $1,878
Travelers $1,568 $2,106 $5,000 $2,053

Otto, NC Car Insurance Rates With a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $11,600
GEICO $5,019
Liberty Mutual $3,492
Nationwide $4,616
Progressive $4,470
State Farm $4,693
Travelers $5,000

Otto, NC Car Insurance Rates by Commute

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,545 $6,545
GEICO $2,672 $2,672
Liberty Mutual $1,866 $1,866
Nationwide $2,446 $2,446
Progressive $2,078 $2,078
State Farm $2,428 $2,445
Travelers $2,682 $2,682

Otto, NC Cheapest Car Insurance Rates

How do the top Otto, North Carolina car insurance companies’ average rates stack up against the Otto average monthly car insurance rates of $247? Take a look and see.

Best Annual Car Insurance Rates by Company in Otto, 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

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Otto, NC Top Car Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $6,545
GEICO $2,672
Liberty Mutual $1,866
Nationwide $2,446
Progressive $2,078
State Farm $2,437
Travelers $2,682

Otto, NC Car Insurance Quotes

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