Compare Lucama, NC Car Insurance Rates (2021)

Car insurance in Lucama, NC averages $297 a month. Lucama, North Carolina car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Lucama car insurance rates, compare quotes from the top car insurance companies in Lucama, 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 Lucama for teen drivers is Liberty Mutual
  • Average car insurance rates in Lucama, NC are $3,568/year
  • The cheapest car insurance company in Lucama is Liberty Mutual

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

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

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

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

How do age, gender, and marital status affect Lucama, NC car insurance rates? Every Lucama, 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 Lucama, 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 $5,618 $5,618 $4,617 $4,617 $13,337 $13,337 $5,729 $5,729
GEICO $2,584 $2,538 $2,546 $2,501 $4,649 $4,609 $2,278 $2,265
Liberty Mutual $1,929 $1,929 $1,996 $1,996 $3,338 $3,338 $1,929 $1,929
Nationwide $2,654 $2,654 $2,654 $2,654 $4,402 $4,402 $2,654 $2,654
Progressive $1,943 $1,943 $1,759 $1,759 $4,346 $4,346 $2,159 $2,159
State Farm $2,971 $2,971 $2,568 $2,568 $4,370 $4,370 $3,676 $3,676
Travelers $2,836 $2,836 $2,813 $2,813 $4,706 $4,706 $2,911 $2,911

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Minimum Car Insurance in Lucama, NC

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

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

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

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

Insurance Company Poor Fair Good
Allstate $9,961 $6,400 $5,616
GEICO $3,235 $2,982 $2,772
Liberty Mutual $2,298 $2,298 $2,298
Nationwide $3,091 $3,091 $3,091
Progressive $2,886 $2,489 $2,282
State Farm $4,778 $3,048 $2,363
Travelers $3,549 $3,222 $3,179

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

Annual Lucama, North Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,954 $6,972 $13,015 $5,360
GEICO $1,567 $2,351 $5,884 $2,184
Liberty Mutual $1,362 $1,754 $4,322 $1,754
Nationwide $1,806 $2,344 $5,870 $2,344
Progressive $1,197 $1,755 $5,555 $1,701
State Farm $1,831 $2,616 $6,523 $2,616
Travelers $1,951 $2,587 $6,188 $2,539

Cheapest Lucama, NC Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,337 $13,337
GEICO $4,649 $4,609
Liberty Mutual $3,338 $3,338
Nationwide $4,402 $4,402
Progressive $4,346 $4,346
State Farm $4,370 $4,370
Travelers $4,706 $4,706

Cheapest Lucama, NC Car Insurance for Seniors

Take a look at Lucama, 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 Lucama, North Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,617 $4,617
GEICO $2,546 $2,501
Liberty Mutual $1,996 $1,996
Nationwide $2,654 $2,654
Progressive $1,759 $1,759
State Farm $2,568 $2,568
Travelers $2,813 $2,813

Cheapest Lucama, NC Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $13,015
GEICO $5,884
Liberty Mutual $4,322
Nationwide $5,870
Progressive $5,555
State Farm $6,523
Travelers $6,188

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Cheapest Lucama, NC Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,325 $7,325
GEICO $2,996 $2,996
Liberty Mutual $2,298 $2,298
Nationwide $3,091 $3,091
Progressive $2,552 $2,552
State Farm $3,371 $3,421
Travelers $3,316 $3,316

The Best Cheap Car Insurance Companies in Lucama, NC

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

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

Insurance Company Average Annual Rates
Allstate $7,325
GEICO $2,996
Liberty Mutual $2,298
Nationwide $3,091
Progressive $2,552
State Farm $3,396
Travelers $3,316

Category Winners: Cheapest Car Insurance in Lucama, North Carolina

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

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

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

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

Insurance Company Low Medium High
Allstate $7,029 $7,298 $7,649
GEICO $2,855 $2,986 $3,148
Liberty Mutual $2,187 $2,284 $2,423
Nationwide $2,962 $3,077 $3,234
Progressive $2,422 $2,538 $2,696
State Farm $3,252 $3,380 $3,557
Travelers $3,176 $3,300 $3,473

What affects car insurance rates in Lucama, North Carolina?

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

Commute Time in Lucama

The more time you spend in your car the higher the risk of an accident. The average commute length in Lucama, NC is 19.2 minutes according to City-Data.

Compare Car Insurance Quotes in Lucama, NC

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

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