Affordable Car Insurance Rates in Lincolnton, NC (2025)
Car insurance rates in Lincolnton, NC are $283/month on average. By law, North Carolina drivers need to carry at least 30/60/25 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Lincolnton car insurance companies to get the coverage you need at the best rates available.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Feb 19, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Feb 19, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Average car insurance rates in Lincolnton, North Carolina are $283 a month. But with a little research you can get a great deal from the top car insurance companies in Lincolnton, NC. Before you buy Lincolnton, North Carolina car insurance, make sure your coverage meets or exceeds the North Carolina minimum of 30/60/25.
It may even be helpful to compare Lincolnton car insurance rates with Greensboro car insurance rates, Winston-Salem car insurance rates, or Concord car insurance rates to make sure you’re getting the best Lincolnton, NC car insurance quotes available.
Need affordable Lincolnton, NC car insurance? Enter your ZIP code to compare Lincolnton car insurance quotes from multiple car insurance companies near you.
- The cheapest car insurance company in Lincolnton for teen drivers is Liberty Mutual
- The cheapest car insurance company in Lincolnton after a DUI is Liberty Mutual
- Average car insurance rates in Lincolnton, NC are $283/month
Lincolnton, NC Minimum Car Insurance Coverage
Lincolnton, North Carolina law requires drivers carry a minimum of 30/60/25 coverage. Take a look at the breakdown of the minimums here.
Minimum Required Car Insurance Coverage in Lincolnton, 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 |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Lincolnton, NC Car Insurance Rates by Coverage Level
Some Lincolnton drivers can get by with the North Carolina minimum coverage of 30/60/25. Other drivers may need more. See how much your Lincolnton, North Carolina car insurance rates may be based on the coverage you need.
Annual Car Insurance Rates by Coverage Level in Lincolnton, North Carolina
| 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 |
Lincolnton, NC Car Insurance Rates by Age, Gender, and Marital Status
Lincolnton, North Carolina car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Lincolnton, NC car insurance, get quotes from multiple car insurance companies in the Lincolnton area and see how these criteria affect your rates.
Annual Car Insurance Rates by Age, Gender, and Marital Status in Lincolnton, 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 | $5,422 | $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 |
Lincolnton, NC Car Insurance Rates for Teens
How much is Lincolnton, North Carolina car insurance for teens? Compare rates from top Lincolnton car insurance companies below to help find the cheapest teen car insurance in Lincolnton, NC.
Annual Car Insurance Rates for Teen Drivers in Lincolnton, North Carolina
| 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 |
Lincolnton, NC Car Insurance Rates for Seniors
Before seniors buy Lincolnton, North Carolina car insurance, they should make sure to shop around. Some Lincolnton, NC car insurance companies may offer discounts or other savings options for senior car insurance.
Annual Car Insurance Rates for Senior Drivers in Lincolnton, North Carolina
| 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 |
Lincolnton, NC Car Insurance Rates by Credit History
How does your credit history affect Lincolnton, NC car insurance rates? Review the numbers here to find out.
Annual Car Insurance Rates by Credit Score in Lincolnton, North Carolina
| 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 |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Lincolnton, NC Car Insurance Rates by Driver History
How does a single speeding ticket affect your Lincolnton, North Carolina car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Lincolnton.
Annual Lincolnton, North Carolina Car Insurance Rates by Driving Record
| 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 |
Lincolnton, NC Car Insurance Rates With a DUI
Even a single DUI can increase your Lincolnton, NC car insurance rates. Compare rates below to see which Lincolnton car insurance company has the best rates for drivers with a DUI.
Annual Car Insurance Rates After a DUI in Lincolnton, North Carolina
| 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 |
Lincolnton, NC Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Lincolnton, NC car insurance rates may be. Let’s take a look at average car insurance rates from top Lincolnton companies based on commute time.
Annual Car Insurance Rates by Commute Length in Lincolnton, North Carolina
| 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 |
Lincolnton, NC Cheapest Car Insurance Rates
How do the top Lincolnton, North Carolina car insurance companies’ average rates stack up against the Lincolnton average monthly car insurance rates of $283? Take a look and see.
Best Annual Car Insurance Rates by Company in Lincolnton, 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 |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Lincolnton, NC Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Lincolnton, North Carolina car insurance companies to help you find one that best fits your needs.
Average Annual Car Insurance Rates by Company in Lincolnton, North Carolina
| 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 |
Other Factors Affecting Lincolnton, NC Car Insurance Rates
Before you buy Lincolnton, North Carolina car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Lincolnton, NC Commute Time
How does your Lincolnton, NC commute time compare with the average driver? In Lincolnton, the average commute is 23.8 minutes.
Lincolnton, NC Car Insurance Quotes
Compare Lincolnton, NC car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.