Buy Cheap Elizabethtown, NC Auto Insurance in 2024
Elizabethtown, NC auto insurance rates average $328 a month. Minimum auto insurance requirements in Elizabethtown, North Carolina are 30/60/25 to comply with North Carolina laws. To buy cheap auto insurance in Elizabethtown, NC, compare Elizabethtown auto insurance quotes from top companies.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
UPDATED: Aug 26, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto 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 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: Aug 26, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto 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 auto insurance rates in Elizabethtown, NC after a DUI are $7,470/year
- The most expensive auto insurance company in Elizabethtown after a DUI is Allstate
- Average auto insurance rates in Elizabethtown, NC for teens drivers are $6,133/year
Finding affordable Elizabethtown, North Carolina auto insurance can be challenging, but everything you need to know to buy cheap Elizabethtown, NC auto insurance with confidence is right here. Auto insurance rates in Elizabethtown are affected by local factors as well as personal ones like your driving record.
See how Elizabethtown, NC car insurance rates compare to Cary auto insurance rates, Charlotte auto insurance rates, and Winston-Salem auto insurance rates before you read more about the cost of auto insurance in Elizabethtown.
Don’t buy Elizabethtown, NC auto insurance until you’ve compared rates. Get free Elizabethtown, North Carolina auto insurance quotes when you enter your ZIP code above.
Elizabethtown, NC Minimum Auto Insurance Requirements
The required auto insurance in Elizabethtown, NC is 30/60/25 according to the auto insurance laws in North Carolina. The minimum auto insurance in Elizabethtown, North Carolina is outlined here.
| 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 |
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Find Cheap Elizabethtown, NC Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Elizabethtown, NC. Take a look at Elizabethtown, North Carolina auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $10,384 | $6,706 | $5,882 |
| Geico | $3,766 | $3,462 | $3,210 |
| Liberty Mutual | $2,592 | $2,592 | $2,592 |
| Nationwide | $3,394 | $3,394 | $3,394 |
| Progressive | $3,270 | $2,830 | $2,596 |
| State Farm | $5,382 | $3,433 | $2,662 |
| Travelers | $3,991 | $3,624 | $3,576 |
Buy Cheap Elizabethtown, NC Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Elizabethtown, North Carolina auto insurance rates? Find out how car insurance rates in Elizabethtown, NC are impacted by demographics.
| 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 | $5,916 | $5,916 | $4,869 | $4,869 | $13,811 | $13,811 | $6,033 | $6,033 |
| Geico | $3,002 | $2,945 | $2,949 | $2,895 | $5,418 | $5,371 | $2,635 | $2,619 |
| Liberty Mutual | $2,177 | $2,177 | $2,253 | $2,253 | $3,762 | $3,762 | $2,177 | $2,177 |
| Nationwide | $2,914 | $2,914 | $2,914 | $2,914 | $4,836 | $4,836 | $2,914 | $2,914 |
| Progressive | $2,226 | $2,226 | $2,016 | $2,016 | $4,890 | $4,890 | $2,462 | $2,462 |
| State Farm | $3,346 | $3,346 | $2,891 | $2,891 | $4,925 | $4,925 | $4,139 | $4,139 |
| Travelers | $3,192 | $3,192 | $3,167 | $3,167 | $5,286 | $5,286 | $3,277 | $3,277 |
Buy Cheap Elizabethtown, NC Auto Insurance for Teen Drivers
Auto insurance for teenagers in Elizabethtown can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Elizabethtown, NC are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $13,811 | $13,811 |
| Geico | $5,418 | $5,371 |
| Liberty Mutual | $3,762 | $3,762 |
| Nationwide | $4,836 | $4,836 |
| Progressive | $4,890 | $4,890 |
| State Farm | $4,925 | $4,925 |
| Travelers | $5,286 | $5,286 |
Buy Cheap Elizabethtown, NC Auto Insurance for Seniors
You can save on senior auto insurance rates in Elizabethtown, North Carolina by comparing Elizabethtown senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Elizabethtown, NC here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,869 | $4,869 |
| Geico | $2,949 | $2,895 |
| Liberty Mutual | $2,253 | $2,253 |
| Nationwide | $2,914 | $2,914 |
| Progressive | $2,016 | $2,016 |
| State Farm | $2,891 | $2,891 |
| Travelers | $3,167 | $3,167 |
Find Cheap Auto Insurance Rates in Elizabethtown, NC by Coverage Level
The amount of coverage you choose is a big factor in the cost of Elizabethtown, North Carolina auto insurance. Compare Elizabethtown, NC auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $7,360 | $7,628 | $7,984 |
| Geico | $3,309 | $3,467 | $3,662 |
| Liberty Mutual | $2,454 | $2,576 | $2,747 |
| Nationwide | $3,237 | $3,377 | $3,570 |
| Progressive | $2,734 | $2,882 | $3,080 |
| State Farm | $3,647 | $3,807 | $4,022 |
| Travelers | $3,555 | $3,710 | $3,926 |
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Find Cheap Elizabethtown, NC Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Elizabethtown. Compare auto insurance rates in Elizabethtown, NC by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $7,657 | $7,657 |
| Geico | $3,479 | $3,479 |
| Liberty Mutual | $2,592 | $2,592 |
| Nationwide | $3,394 | $3,394 |
| Progressive | $2,898 | $2,898 |
| State Farm | $3,796 | $3,855 |
| Travelers | $3,730 | $3,730 |
Find Cheap Elizabethtown, NC Auto Insurance Rates by Driving Record
Auto insurance rates in Elizabethtown, North Carolina are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Elizabethtown, NC, take a look at the average cost for various violations versus rates for a clean driving record in Elizabethtown.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,113 | $7,316 | $13,614 | $5,587 |
| Geico | $1,866 | $2,755 | $6,742 | $2,555 |
| Liberty Mutual | $1,535 | $1,978 | $4,879 | $1,978 |
| Nationwide | $1,983 | $2,574 | $6,446 | $2,574 |
| Progressive | $1,360 | $1,995 | $6,301 | $1,937 |
| State Farm | $2,065 | $2,946 | $7,344 | $2,946 |
| Travelers | $2,193 | $2,909 | $6,963 | $2,855 |
Find Cheap Elizabethtown, NC Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Elizabethtown, North Carolina is higher than for a clean driving record. You can buy auto insurance after a DUI in Elizabethtown for less when you shop around and compare rates from multiple Elizabethtown, NC auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $13,614 |
| Geico | $6,742 |
| Liberty Mutual | $4,879 |
| Nationwide | $6,446 |
| Progressive | $6,301 |
| State Farm | $7,344 |
| Travelers | $6,963 |
Winners by Category: Where to Buy Cheap Auto Insurance in Elizabethtown, NC
Compare rates from the cheapest auto insurance companies in Elizabethtown, NC for your needs. Take a look at how Elizabethtown, North Carolina auto insurance companies stack up for each category.
| 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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Find Cheap Elizabethtown, North Carolina Auto Insurance Companies
If you’re looking for the cheapest Elizabethtown, NC auto insurance companies overall, you can compare them here. Find the best price for Elizabethtown, North Carolina car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $7,657 |
| Geico | $3,479 |
| Liberty Mutual | $2,592 |
| Nationwide | $3,394 |
| Progressive | $2,898 |
| State Farm | $3,825 |
| Travelers | $3,730 |
What affects Elizabethtown, North Carolina auto insurance rates?
Local factors affect auto insurance rates in Elizabethtown, NC, including traffic, theft statistics, and commute length. Take a look at the things that impact Elizabethtown auto insurance rates.
Commute Times in Elizabethtown
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Elizabethtown, NC is 11.8 minutes according to City-Data.
Compare Auto Insurance Quotes in Elizabethtown, NC
You can buy cheap Elizabethtown, NC auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Elizabethtown, North Carolina auto insurance quotes from top companies.
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Frequently Asked Questions
How can I buy cheap auto insurance in Elizabethtown, NC?
To buy cheap auto insurance in Elizabethtown, NC, consider the following tips:
- Shop around and compare rates from multiple insurance providers.
- Maintain a clean driving record to qualify for better rates.
- Opt for higher deductibles, but ensure you can afford them in case of an accident.
- Inquire about available discounts, such as multi-policy, safe driver, or low-mileage discounts.
- Consider usage-based insurance programs that offer discounts based on your driving habits.
What factors affect the cost of auto insurance in Elizabethtown, NC?
Several factors can influence the cost of auto insurance in Elizabethtown, NC, including:
- Your age, gender, and marital status
- Your driving record and claims history
- The make, model, and age of your vehicle
- Your annual mileage
- The coverage options and limits you choose
- Your credit history
- The location where you live and park your vehicle
Are there any specific auto insurance requirements in Elizabethtown, NC?
Yes, in Elizabethtown, NC, as in the rest of North Carolina, all drivers are required to carry auto insurance that meets the state’s minimum liability coverage limits. The minimum requirements include $30,000 bodily injury liability per person, $60,000 bodily injury liability per accident, and $25,000 property damage liability.
What types of auto insurance coverage should I consider in Elizabethtown, NC?
When buying auto insurance in Elizabethtown, NC, it’s important to consider the following coverage options:
- Liability coverage: This is required by law and covers bodily injury and property damage you cause to others in an accident.
- Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with a driver who doesn’t have insurance or lacks sufficient coverage.
- Collision coverage: Covers damage to your vehicle in a collision, regardless of fault.
- Comprehensive coverage: Protects your vehicle from non-collision incidents like theft, vandalism, or natural disasters.
- Medical payments coverage: Covers medical expenses for you and your passengers in case of an accident.
- Personal injury protection (PIP): Provides broader coverage for medical expenses, lost wages, and other accident-related costs.
What are some ways to save money on auto insurance in Elizabethtown, NC?
Here are some tips to save money on auto insurance in Elizabethtown, NC:
- Bundle your auto insurance with other policies, such as home or renters insurance, to qualify for multi-policy discounts.
- Maintain a good credit score, as insurance companies often consider it when determining rates.
- Drive a safe and low-risk vehicle, as certain vehicles may cost more to insure.
- Take advantage of available discounts, such as safe driver discounts, good student discounts, or discounts for anti-theft devices installed in your vehicle.
- Consider opting for a higher deductible, but ensure you have enough savings to cover it in case of an accident.
- Take a defensive driving course, as completing an approved course may earn you a discount on your premium.
- Review your coverage periodically to ensure you have the appropriate amount of coverage for your needs.
What should I do if I can’t find affordable auto insurance in Elizabethtown, NC?
If you’re having trouble finding affordable auto insurance in Elizabethtown, NC, you can try the following options:
- Contact an independent insurance agent who can shop around and find quotes from multiple insurance companies on your behalf.
- Consider joining a group or association that offers discounted insurance rates to its members.
- Explore state or government-sponsored insurance programs that provide coverage for individuals who have difficulty obtaining insurance in the regular market.
- Look into usage-based insurance programs that track your driving habits and offer personalized rates based on your driving behavior.
- Consider adjusting your coverage options or deductibles to find a more affordable premium.
Are there any specific discounts available for auto insurance in Elizabethtown, NC?
Yes, many insurance companies offer various discounts that can help you save on auto insurance in Elizabethtown, NC. Some common discounts include:
- Multi-policy discount: If you have multiple policies, such as home and auto insurance, with the same insurance provider, you may qualify for a discount.
- Good driver discount: If you have a clean driving record without any accidents or traffic violations, you may be eligible for a good driver discount.
- Good student discount: Students who maintain a certain grade point average (usually a B or higher) may qualify for a discount.
- Safety feature discount: Vehicles equipped with safety features such as anti-lock brakes, airbags, or anti-theft devices may be eligible for a discount.
- Low mileage discount: If you don’t drive your vehicle frequently, you may qualify for a low mileage discount.
- Mature driver discount: Older drivers who have completed a defensive driving course may be eligible for a discount.
- Payment discounts: Some insurance companies offer discounts if you choose to pay your premium in full or set up automatic payments.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
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.