Best Elkin, NC Car Insurance in 2024
Car insurance in Elkin, NC averages $259 a month. Elkin, North Carolina car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Elkin car insurance rates, compare quotes from the top car insurance companies in Elkin, NC.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
UPDATED: Oct 24, 2024
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 company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
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 company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Elkin for teen drivers is Liberty Mutual
- Average car insurance rates in Elkin, NC after a DUI are $5,866/year
- Average car insurance rates in Elkin, NC are $3,113/year
If you need to buy Elkin, North Carolina car insurance, the options can be confusing. Everything you need to know about car insurance in Elkin, NC is right here.
You’ll find Elkin car insurance rates, the cheapest Elkin, NC car insurance companies, and information on North Carolina car insurance laws. You can also compare Elkin, North Carolina car insurance rates to Wilmington car insurance rates, Greensboro car insurance rates, and Charlotte car insurance rates.
Ready to find affordable Elkin, NC car insurance today? Enter your ZIP code for fast, free Elkin car insurance quotes.
Cheapest Elkin, NC Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Elkin, NC car insurance rates? Every Elkin, North Carolina car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $5,071 | $5,071 | $4,166 | $4,166 | $12,101 | $12,101 | $5,172 | $5,172 |
| 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 | $1,662 | $1,662 | $1,503 | $1,503 | $3,791 | $3,791 | $1,847 | $1,847 |
| State Farm | $2,289 | $2,289 | $1,980 | $1,980 | $3,368 | $3,368 | $2,829 | $2,829 |
| Travelers | $2,478 | $2,478 | $2,458 | $2,458 | $4,143 | $4,143 | $2,544 | $2,544 |
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Minimum Car Insurance in Elkin, NC
Every driver must carry the minimum car insurance in Elkin, NC. Take a look at the North Carolina car insurance requirements.
| 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 Elkin, NC Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Elkin, NC. Compare credit history car insurance rates in Elkin from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,976 | $5,823 | $5,083 |
| Geico | $3,055 | $2,801 | $2,591 |
| Liberty Mutual | $2,008 | $2,008 | $2,008 |
| Nationwide | $2,617 | $2,617 | $2,617 |
| Progressive | $2,492 | $2,146 | $1,965 |
| State Farm | $3,676 | $2,350 | $1,825 |
| Travelers | $3,102 | $2,823 | $2,792 |
Cheapest Elkin, 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 Elkin, NC to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,583 | $6,311 | $11,764 | $4,852 |
| 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 | $1,032 | $1,512 | $4,796 | $1,463 |
| State Farm | $1,410 | $2,018 | $5,022 | $2,018 |
| Travelers | $1,727 | $2,264 | $5,402 | $2,231 |
Cheapest Elkin, NC Car Insurance for Teen Drivers
Teen car insurance in Elkin, NC can be expensive. Take a look at rates from the top car insurance companies in Elkin for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $12,101 | $12,101 |
| Geico | $4,417 | $4,378 |
| Liberty Mutual | $2,926 | $2,926 |
| Nationwide | $3,744 | $3,744 |
| Progressive | $3,791 | $3,791 |
| State Farm | $3,368 | $3,368 |
| Travelers | $4,143 | $4,143 |
Cheapest Elkin, NC Car Insurance for Seniors
Take a look at Elkin, NC senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,166 | $4,166 |
| Geico | $2,380 | $2,335 |
| Liberty Mutual | $1,742 | $1,742 |
| Nationwide | $2,241 | $2,241 |
| Progressive | $1,503 | $1,503 |
| State Farm | $1,980 | $1,980 |
| Travelers | $2,458 | $2,458 |
Cheapest Elkin, NC Car Insurance Rates After a DUI
A DUI in Elkin, NC increases car insurance rates. Compare Elkin, North Carolina DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $11,764 |
| Geico | $5,348 |
| Liberty Mutual | $3,771 |
| Nationwide | $4,958 |
| Progressive | $4,796 |
| State Farm | $5,022 |
| Travelers | $5,402 |
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Cheapest Elkin, NC Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Elkin, NC by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $6,628 | $6,628 |
| Geico | $2,816 | $2,816 |
| Liberty Mutual | $2,008 | $2,008 |
| Nationwide | $2,617 | $2,617 |
| Progressive | $2,201 | $2,201 |
| State Farm | $2,601 | $2,633 |
| Travelers | $2,906 | $2,906 |
The Best Cheap Car Insurance Companies in Elkin, NC
Take a look at a side-by-side comparison of the top car insurance companies in Elkin, NC to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,628 |
| Geico | $2,816 |
| Liberty Mutual | $2,008 |
| Nationwide | $2,617 |
| Progressive | $2,201 |
| State Farm | $2,617 |
| Travelers | $2,906 |
Category Winners: Cheapest Car Insurance in Elkin, North Carolina
Find the cheapest car insurance companies in Elkin, NC for each category right here.
| 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 |
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Cheapest Elkin, NC Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Elkin car insurance rates. Find the cheapest Elkin, NC car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,422 | $6,606 | $6,855 |
| Geico | $2,698 | $2,806 | $2,944 |
| Liberty Mutual | $1,916 | $1,996 | $2,113 |
| Nationwide | $2,515 | $2,604 | $2,732 |
| Progressive | $2,095 | $2,188 | $2,319 |
| State Farm | $2,524 | $2,604 | $2,723 |
| Travelers | $2,790 | $2,891 | $3,037 |
What affects car insurance rates in Elkin, North Carolina?
What factors can have an impact on Elkin, NC car insurance? There are several reasons why Elkin car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Elkin, North Carolina.
Commute Time in Elkin
The more time you spend in your car the higher the risk of an accident. The average commute length in Elkin, NC is 21.7 minutes according to City-Data.
Compare Car Insurance Quotes in Elkin, NC
Ready to find affordable Elkin, North Carolina car insurance today? Enter your ZIP code for fast, free Elkin, NC car insurance quotes.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Frequently Asked Questions
How are car insurance rates determined in Elkin, NC?
Car insurance rates in Elkin, NC, are determined by several factors. These include the driver’s age, driving record, credit history, location within Elkin, coverage options chosen, deductible amount, annual mileage, and the make, model, and year of the vehicle. Insurance companies also consider local factors such as accident rates, theft rates, and the cost of repairs and medical services in the area.
Are car insurance rates higher in Elkin, NC compared to other areas?
Car insurance rates can vary depending on various factors, so it’s difficult to make a general statement about rates in Elkin, NC compared to other areas. Rates can be influenced by local factors such as the number of accidents and thefts in the area, as well as state-specific regulations and insurance market conditions. Additionally, your personal driving profile and the coverage options you select will play a significant role in determining your insurance rates.
How can I find the best car insurance rates in Elkin, NC?
To find the best car insurance rates in Elkin, NC, it’s recommended to shop around and compare quotes from multiple insurance providers. You can contact different insurance companies directly or use online comparison tools that allow you to receive quotes from multiple insurers simultaneously. Providing accurate and consistent information when requesting quotes will help ensure you receive accurate rates for comparison.
What can I do to lower my car insurance rates in Elkin, NC?
There are several strategies you can employ to potentially lower your car insurance rates in Elkin, NC:
- Maintain a clean driving record and avoid traffic violations or accidents.
- Consider increasing your deductible, which is the amount you pay out of pocket in the event of a claim.
- Inquire about available discounts such as multi-policy discounts, good driver discounts, or discounts for safety features on your vehicle.
- Evaluate your coverage options and consider whether you need additional coverage beyond the mandatory requirements.
- If feasible, install anti-theft devices or security systems that may reduce the risk of theft.
Are there any specific considerations for insuring a vehicle in Elkin, NC?
When insuring a vehicle in Elkin, NC, it’s important to consider factors such as the local weather conditions, traffic patterns, and potential risks in the area. If you live in an area prone to severe weather events like hurricanes or flooding, you may want to consider additional coverage to protect your vehicle against such risks. Understanding the specific insurance requirements and regulations in North Carolina is essential to ensure you meet the minimum coverage requirements.
Are there any local insurance providers in Elkin, NC?
There may be local insurance providers in Elkin, NC, in addition to national or regional insurance companies. Local providers may offer unique coverage options or be familiar with specific factors that affect insurance rates in the area. It’s recommended to research and compare both local and national insurance providers to find the best coverage and rates for your needs.
Should I consider specialized coverage for my vehicle in Elkin, NC?
The decision to add specialized coverage to your vehicle in Elkin, NC depends on your specific circumstances and preferences. It’s advisable to evaluate factors such as the age and value of your vehicle, your driving habits, and potential risks in the area. Specialized coverage options such as comprehensive and collision insurance may provide additional protection beyond the mandatory liability coverage. Consider your needs and consult with insurance providers to determine the appropriate coverage for your vehicle.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.