Compare Cumberland, NC Car Insurance Rates (2021)

Car insurance in Cumberland, NC averages $346 a month. Cumberland, North Carolina car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Cumberland car insurance rates, compare quotes from the top car insurance companies in Cumberland, NC.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Cumberland for teen drivers is Liberty Mutual
  • Average car insurance rates in Cumberland, NC after a DUI are $7,896/year
  • Average car insurance rates in Cumberland, NC are $4,154/year

If you need to buy Cumberland, North Carolina car insurance, the options can be confusing. Everything you need to know about car insurance in Cumberland, NC is right here.

You’ll find Cumberland car insurance rates, the cheapest Cumberland, NC car insurance companies, and information on North Carolina car insurance laws. You can also compare Cumberland, North Carolina car insurance rates to Wilmington car insurance rates, Greensboro car insurance rates, and Concord car insurance rates.

Ready to find affordable Cumberland, NC car insurance today? Enter your ZIP code for fast, free Cumberland car insurance quotes.

Cheapest Cumberland, NC Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Cumberland, NC car insurance rates? Every Cumberland, North Carolina car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cumberland, 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 $6,803 $6,803 $5,576 $5,576 $16,595 $16,595 $6,937 $6,937
GEICO $2,895 $2,847 $2,866 $2,820 $5,193 $5,150 $2,579 $2,566
Liberty Mutual $2,334 $2,334 $2,416 $2,416 $4,178 $4,178 $2,334 $2,334
Nationwide $3,185 $3,185 $3,185 $3,185 $5,464 $5,464 $3,185 $3,185
Progressive $2,268 $2,268 $2,080 $2,080 $5,382 $5,382 $2,528 $2,528
State Farm $3,214 $3,214 $2,779 $2,779 $4,752 $4,752 $3,973 $3,973
Travelers $2,917 $2,917 $2,894 $2,894 $4,871 $4,871 $2,993 $2,993

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Minimum Car Insurance in Cumberland, NC

Every driver must carry the minimum car insurance in Cumberland, NC. Take a look at the North Carolina car insurance requirements.

Minimum Required Car Insurance Coverage in Cumberland, 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

Cheapest Cumberland, NC Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Cumberland, NC. Compare credit history car insurance rates in Cumberland from top companies for good, fair, and poor credit.

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

Insurance Company Poor Fair Good
Allstate $12,187 $7,859 $6,888
GEICO $3,610 $3,351 $3,132
Liberty Mutual $2,816 $2,816 $2,816
Nationwide $3,755 $3,755 $3,755
Progressive $3,442 $2,992 $2,760
State Farm $5,171 $3,303 $2,565
Travelers $3,695 $3,321 $3,239

Cheapest Cumberland, 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 Cumberland, NC to rates for a clean record with top companies.

Annual Cumberland, North Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,883 $8,522 $15,914 $6,592
GEICO $1,652 $2,574 $6,832 $2,400
Liberty Mutual $1,678 $2,154 $5,277 $2,154
Nationwide $2,211 $2,857 $7,094 $2,857
Progressive $1,458 $2,120 $6,626 $2,053
State Farm $1,955 $2,834 $7,096 $2,834
Travelers $1,942 $2,700 $6,434 $2,599

Cheapest Cumberland, NC Car Insurance for Teen Drivers

Teen car insurance in Cumberland, NC can be expensive. Take a look at rates from the top car insurance companies in Cumberland for teenagers.

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $16,595 $16,595
GEICO $5,193 $5,150
Liberty Mutual $4,178 $4,178
Nationwide $5,464 $5,464
Progressive $5,382 $5,382
State Farm $4,752 $4,752
Travelers $4,871 $4,871

Cheapest Cumberland, NC Car Insurance for Seniors

Take a look at Cumberland, NC senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,576 $5,576
GEICO $2,866 $2,820
Liberty Mutual $2,416 $2,416
Nationwide $3,185 $3,185
Progressive $2,080 $2,080
State Farm $2,779 $2,779
Travelers $2,894 $2,894

Cheapest Cumberland, NC Car Insurance Rates After a DUI

A DUI in Cumberland, NC increases car insurance rates. Compare Cumberland, North Carolina DUI car insurance by company to find the cheapest option.

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $15,914
GEICO $6,832
Liberty Mutual $5,277
Nationwide $7,094
Progressive $6,626
State Farm $7,096
Travelers $6,434

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Cheapest Cumberland, NC Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Cumberland, NC by commute? Take a look at a comparison of the top companies by commute length.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $8,978 $8,978
GEICO $3,365 $3,365
Liberty Mutual $2,816 $2,816
Nationwide $3,755 $3,755
Progressive $3,065 $3,065
State Farm $3,667 $3,692
Travelers $3,419 $3,419

The Best Cheap Car Insurance Companies in Cumberland, NC

Take a look at a side-by-side comparison of the top car insurance companies in Cumberland, NC to find the best option for your needs.

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

Insurance Company Average Annual Rates
Allstate $8,978
GEICO $3,365
Liberty Mutual $2,816
Nationwide $3,755
Progressive $3,065
State Farm $3,680
Travelers $3,419

Category Winners: Cheapest Car Insurance in Cumberland, North Carolina

Find the cheapest car insurance companies in Cumberland, NC for each category right here.

Best Annual Car Insurance Rates by Company in Cumberland, 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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Cheapest Cumberland, NC Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Cumberland car insurance rates. Find the cheapest Cumberland, NC car insurance rates by coverage level.

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

Insurance Company Low Medium High
Allstate $8,639 $8,947 $9,348
GEICO $3,199 $3,353 $3,541
Liberty Mutual $2,679 $2,800 $2,968
Nationwide $3,596 $3,738 $3,930
Progressive $2,903 $3,049 $3,242
State Farm $3,523 $3,661 $3,855
Travelers $3,241 $3,400 $3,615

What affects car insurance rates in Cumberland, North Carolina?

What factors can have an impact on Cumberland, NC car insurance? There are several reasons why Cumberland car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Cumberland, North Carolina.

Traffic in Cumberland

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Cumberland, NC traffic data from INRIX ranks Cumberland as the 936th-most congested in the world.

Compare Car Insurance Quotes in Cumberland, NC

Ready to find affordable Cumberland, North Carolina car insurance today? Enter your ZIP code for fast, free Cumberland, NC car insurance quotes.

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