Compare Flat Rock, NC Car Insurance Rates (2021)

Car insurance in Flat Rock, NC averages $260 a month. Flat Rock, North Carolina car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Flat Rock car insurance rates, compare quotes from the top car insurance companies in Flat Rock, 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

  • Average car insurance rates in Flat Rock, NC are $3,119/year
  • The cheapest car insurance company in Flat Rock is Liberty Mutual
  • The cheapest car insurance company in Flat Rock for teen drivers is Liberty Mutual

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

You’ll find Flat Rock car insurance rates, the cheapest Flat Rock, NC car insurance companies, and information on North Carolina car insurance laws. You can also compare Flat Rock, North Carolina car insurance rates to High Point car insurance rates, Charlotte car insurance rates, and Wilmington car insurance rates.

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

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

How do age, gender, and marital status affect Flat Rock, NC car insurance rates? Every Flat Rock, 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 Flat Rock, 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 $5,132 $5,132 $4,215 $4,215 $12,262 $12,262 $5,233 $5,233
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 $1,627 $1,627 $1,468 $1,468 $3,764 $3,764 $1,810 $1,810
State Farm $2,284 $2,284 $1,975 $1,975 $3,361 $3,361 $2,823 $2,823
Travelers $2,478 $2,478 $2,458 $2,458 $4,143 $4,143 $2,544 $2,544

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Minimum Car Insurance in Flat Rock, NC

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

Minimum Required Car Insurance Coverage in Flat Rock, 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 Flat Rock, NC Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Flat Rock, North Carolina

Insurance Company Poor Fair Good
Allstate $9,091 $5,895 $5,145
GEICO $3,055 $2,801 $2,591
Liberty Mutual $2,008 $2,008 $2,008
Nationwide $2,617 $2,617 $2,617
Progressive $2,462 $2,108 $1,932
State Farm $3,667 $2,344 $1,821
Travelers $3,102 $2,823 $2,792

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

Annual Flat Rock, North Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,630 $6,387 $11,911 $4,914
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 $1,016 $1,486 $4,728 $1,438
State Farm $1,405 $2,013 $5,012 $2,013
Travelers $1,727 $2,264 $5,402 $2,231

Cheapest Flat Rock, NC Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Flat Rock, North Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,262 $12,262
GEICO $4,417 $4,378
Liberty Mutual $2,926 $2,926
Nationwide $3,744 $3,744
Progressive $3,764 $3,764
State Farm $3,361 $3,361
Travelers $4,143 $4,143

Cheapest Flat Rock, NC Car Insurance for Seniors

Take a look at Flat Rock, 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 Flat Rock, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,215 $4,215
GEICO $2,380 $2,335
Liberty Mutual $1,742 $1,742
Nationwide $2,241 $2,241
Progressive $1,468 $1,468
State Farm $1,975 $1,975
Travelers $2,458 $2,458

Cheapest Flat Rock, NC Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Flat Rock, North Carolina

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $11,911
GEICO $5,348
Liberty Mutual $3,771
Nationwide $4,958
Progressive $4,728
State Farm $5,012
Travelers $5,402

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Cheapest Flat Rock, NC Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Flat Rock, North Carolina

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,711 $6,711
GEICO $2,816 $2,816
Liberty Mutual $2,008 $2,008
Nationwide $2,617 $2,617
Progressive $2,167 $2,167
State Farm $2,595 $2,626
Travelers $2,906 $2,906

The Best Cheap Car Insurance Companies in Flat Rock, NC

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

Average Annual Car Insurance Rates by Company in Flat Rock, North Carolina

Insurance Company Average Annual Rates
Allstate $6,711
GEICO $2,816
Liberty Mutual $2,008
Nationwide $2,617
Progressive $2,167
State Farm $2,611
Travelers $2,906

Category Winners: Cheapest Car Insurance in Flat Rock, North Carolina

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

Best Annual Car Insurance Rates by Company in Flat Rock, 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 Flat Rock, NC Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Flat Rock, North Carolina

Insurance Company Low Medium High
Allstate $6,505 $6,689 $6,938
GEICO $2,698 $2,806 $2,944
Liberty Mutual $1,916 $1,996 $2,113
Nationwide $2,515 $2,604 $2,732
Progressive $2,062 $2,154 $2,285
State Farm $2,516 $2,598 $2,719
Travelers $2,790 $2,891 $3,037

What affects car insurance rates in Flat Rock, North Carolina?

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

Commute Time in Flat Rock

The more time you spend in your car the higher the risk of an accident. The average commute length in Flat Rock, NC is 21.3 minutes according to City-Data.

Compare Car Insurance Quotes in Flat Rock, NC

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

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