Compare Locust, NC Car Insurance Rates (2021)

Car insurance in Locust, NC averages $264 a month. Locust, North Carolina car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Locust car insurance rates, compare quotes from the top car insurance companies in Locust, 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 Locust, NC after a DUI are $5,961/year
  • Average car insurance rates in Locust, NC are $3,170/year
  • The cheapest car insurance company in Locust for teen drivers is Liberty Mutual

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

You’ll find Locust car insurance rates, the cheapest Locust, NC car insurance companies, and information on North Carolina car insurance laws. You can also compare Locust, North Carolina car insurance rates to Durham car insurance rates, High Point car insurance rates, and Greensboro car insurance rates.

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

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

How do age, gender, and marital status affect Locust, NC car insurance rates? Every Locust, 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 Locust, 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 $5,185 $5,185 $4,257 $4,257 $12,397 $12,397 $5,287 $5,287
GEICO $2,493 $2,443 $2,449 $2,401 $4,640 $4,599 $2,167 $2,153
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 $1,636 $1,636 $1,481 $1,481 $3,804 $3,804 $1,832 $1,832
State Farm $2,422 $2,422 $2,094 $2,094 $3,563 $3,563 $2,994 $2,994
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 Locust, NC

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

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

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

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

Insurance Company Poor Fair Good
Allstate $9,190 $5,947 $5,207
GEICO $3,172 $2,903 $2,680
Liberty Mutual $2,008 $2,008 $2,008
Nationwide $2,617 $2,617 $2,617
Progressive $2,485 $2,132 $1,948
State Farm $3,891 $2,485 $1,929
Travelers $3,102 $2,823 $2,792

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

Annual Locust, North Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,667 $6,460 $12,035 $4,964
GEICO $1,646 $2,372 $5,459 $2,196
Liberty Mutual $1,193 $1,535 $3,771 $1,535
Nationwide $1,534 $1,988 $4,958 $1,988
Progressive $1,025 $1,498 $4,780 $1,450
State Farm $1,488 $2,133 $5,320 $2,133
Travelers $1,727 $2,264 $5,402 $2,231

Cheapest Locust, NC Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,397 $12,397
GEICO $4,640 $4,599
Liberty Mutual $2,926 $2,926
Nationwide $3,744 $3,744
Progressive $3,804 $3,804
State Farm $3,563 $3,563
Travelers $4,143 $4,143

Cheapest Locust, NC Car Insurance for Seniors

Take a look at Locust, 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 Locust, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,257 $4,257
GEICO $2,449 $2,401
Liberty Mutual $1,742 $1,742
Nationwide $2,241 $2,241
Progressive $1,481 $1,481
State Farm $2,094 $2,094
Travelers $2,458 $2,458

Cheapest Locust, NC Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $12,035
GEICO $5,459
Liberty Mutual $3,771
Nationwide $4,958
Progressive $4,780
State Farm $5,320
Travelers $5,402

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Cheapest Locust, NC Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,782 $6,782
GEICO $2,918 $2,918
Liberty Mutual $2,008 $2,008
Nationwide $2,617 $2,617
Progressive $2,188 $2,188
State Farm $2,752 $2,785
Travelers $2,906 $2,906

The Best Cheap Car Insurance Companies in Locust, NC

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

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

Insurance Company Average Annual Rates
Allstate $6,782
GEICO $2,918
Liberty Mutual $2,008
Nationwide $2,617
Progressive $2,188
State Farm $2,768
Travelers $2,906

Category Winners: Cheapest Car Insurance in Locust, North Carolina

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

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

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

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

Insurance Company Low Medium High
Allstate $6,537 $6,757 $7,051
GEICO $2,785 $2,908 $3,061
Liberty Mutual $1,916 $1,996 $2,113
Nationwide $2,515 $2,604 $2,732
Progressive $2,084 $2,175 $2,306
State Farm $2,669 $2,755 $2,881
Travelers $2,790 $2,891 $3,037

What affects car insurance rates in Locust, North Carolina?

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

Commute Time in Locust

The more time you spend in your car the higher the risk of an accident. The average commute length in Locust, NC is 33.1 minutes according to City-Data.

Compare Car Insurance Quotes in Locust, NC

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

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