Best Lincolnton, NC Car Insurance in 2025
Car insurance in Lincolnton, NC averages $283 a month. Lincolnton, North Carolina car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Lincolnton car insurance rates, compare quotes from the top car insurance companies in Lincolnton, NC.
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Table of Contents
Table of Contents
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Justin Wright
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Daniel Walker
Updated December 2025
- The cheapest car insurance company in Lincolnton is Liberty Mutual
- The cheapest car insurance company in Lincolnton for teen drivers is Liberty Mutual
- Average car insurance rates in Lincolnton, NC after a DUI are $6,412/year
If you need to buy Lincolnton, North Carolina car insurance, the options can be confusing. Everything you need to know about car insurance in Lincolnton, NC is right here.
You’ll find Lincolnton car insurance rates, the cheapest Lincolnton, NC car insurance companies, and information on North Carolina car insurance laws. You can also compare Lincolnton, North Carolina car insurance rates to Fayetteville car insurance rates, Charlotte car insurance rates, and Winston-Salem car insurance rates.
Ready to find affordable Lincolnton, NC car insurance today? Enter your ZIP code for fast, free Lincolnton car insurance quotes.
Cheapest Lincolnton, NC Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Lincolnton, NC car insurance rates? Every Lincolnton, North Carolina car insurance company weighs these factors differently, so check out the comparison rates.
| 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 |
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Minimum Car Insurance in Lincolnton, NC
Every driver must carry the minimum car insurance in Lincolnton, NC. Take a look at the North Carolina car insurance requirements.
| 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 |
Cheapest Lincolnton, NC Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Lincolnton, NC. Compare credit history car insurance rates in Lincolnton from top companies for good, fair, and poor credit.
| 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 |
Cheapest Lincolnton, NC Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Lincolnton, NC to rates for a clean record with top companies.
| 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 |
Cheapest Lincolnton, NC Car Insurance for Teen Drivers
Teen car insurance in Lincolnton, NC can be expensive. Take a look at rates from the top car insurance companies in Lincolnton for teenagers.
| 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 |
Cheapest Lincolnton, NC Car Insurance for Seniors
Take a look at Lincolnton, NC senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| 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 |
Cheapest Lincolnton, NC Car Insurance Rates After a DUI
A DUI in Lincolnton, NC increases car insurance rates. Compare Lincolnton, North Carolina DUI car insurance by company to find the cheapest option.
| 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 |
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Cheapest Lincolnton, NC Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Lincolnton, NC by commute? Take a look at a comparison of the top companies by commute length.
| 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 |
The Best Cheap Car Insurance Companies in Lincolnton, NC
Take a look at a side-by-side comparison of the top car insurance companies in Lincolnton, NC to find the best option for your needs.
| 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 |
Category Winners: Cheapest Car Insurance in Lincolnton, North Carolina
Find the cheapest car insurance companies in Lincolnton, NC for each category right here.
| 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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Cheapest Lincolnton, NC Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Lincolnton car insurance rates. Find the cheapest Lincolnton, NC car insurance rates by coverage level.
| 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 |
What affects car insurance rates in Lincolnton, North Carolina?
What factors can have an impact on Lincolnton, NC car insurance? There are several reasons why Lincolnton car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lincolnton, North Carolina.
Commute Time in Lincolnton
The more time you spend in your car the higher the risk of an accident. The average commute length in Lincolnton, NC is 23.8 minutes according to City-Data.
Compare Car Insurance Quotes in Lincolnton, NC
Ready to find affordable Lincolnton, North Carolina car insurance today? Enter your ZIP code for fast, free Lincolnton, NC car insurance quotes.
Frequently Asked Questions
How can I compare car insurance rates in Lincolnton, NC?
Comparing car insurance rates in Lincolnton, NC is easy. You can start by reaching out to different insurance companies and requesting quotes based on your specific needs. Alternatively, you can use online comparison tools that allow you to input your information once and receive quotes from multiple insurers.
What factors can affect my car insurance rates in Lincolnton, NC?
Several factors can influence your car insurance rates in Lincolnton, NC. These include your driving record, age, gender, type of vehicle, coverage limits, deductible amount, credit score, and even your ZIP code. Insurers consider these factors to assess your risk level and determine the appropriate premium for your policy.
Are there any discounts available for car insurance in Lincolnton, NC?
Yes, there are various discounts available for car insurance in Lincolnton, NC. Common discounts include safe driver discounts, good student discounts, multi-vehicle discounts, bundling discounts (when you have multiple policies with the same insurer), and discounts for certain safety features in your car. It’s advisable to ask each insurance company about the discounts they offer.
Is it mandatory to have car insurance in Lincolnton, NC?
Yes, it is mandatory to have car insurance in Lincolnton, NC, as it is in most states. North Carolina requires drivers to carry liability insurance that meets the minimum coverage limits set by the state. These limits are currently set at 30/60/25, meaning you must have at least $30,000 in bodily injury coverage per person, $60,000 in bodily injury coverage per accident, and $25,000 in property damage coverage.
How can I lower my car insurance rates in Lincolnton, NC?
There are several ways to potentially lower your car insurance rates in Lincolnton, NC. You can consider raising your deductible, maintaining a clean driving record, taking advantage of available discounts, bundling your policies with the same insurer, and comparing quotes from multiple insurance companies to find the most competitive rate.
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