Best Davidson, North Carolina Auto Insurance in 2024
The average Davidson, NC auto insurance rates are $280 per month. The minimum auto insurance in Davidson is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Davidson, North Carolina, compare quotes from multiple companies.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Sep 5, 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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: Sep 5, 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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
- The cheapest auto insurance company in Davidson is Liberty Mutual
- The most expensive auto insurance company in Davidson for teen drivers is Allstate
- The minimum auto insurance required in Davidson, North Carolina is 30/60/25
Davidson, North Carolina auto insurance requirements are 30/60/25 according to North Carolina auto insurance laws. Finding cheap auto insurance in Davidson can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Davidson, North Carolina, including driving record, credit, commute time, and more.
Compare auto insurance in Davidson to other North Carolina cities, including Raleigh auto insurance rates, Fayetteville auto insurance rates, and Cary auto insurance rates to see how Davidson, North Carolina auto insurance rates stack up.
Before you buy Davidson, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Davidson, North Carolina auto insurance quotes.
Minimum Auto Insurance in Davidson, North Carolina
Davidson, North Carolina auto insurance laws require that you have at least the North Carolina minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Davidson, 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 |
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Cheap Davidson, North Carolina Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Davidson, North Carolina are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $5,528 | $5,528 | $4,534 | $4,534 | $13,331 | $13,331 | $5,638 | $5,638 |
| Geico | $2,459 | $2,413 | $2,426 | $2,382 | $4,592 | $4,551 | $2,155 | $2,142 |
| Liberty Mutual | $1,769 | $1,769 | $1,830 | $1,830 | $3,156 | $3,156 | $1,769 | $1,769 |
| Nationwide | $2,335 | $2,335 | $2,335 | $2,335 | $3,997 | $3,997 | $2,335 | $2,335 |
| Progressive | $1,739 | $1,739 | $1,600 | $1,600 | $4,023 | $4,023 | $1,921 | $1,921 |
| State Farm | $2,728 | $2,728 | $2,359 | $2,359 | $4,025 | $4,025 | $3,373 | $3,373 |
| Travelers | $2,576 | $2,576 | $2,555 | $2,555 | $4,418 | $4,418 | $2,644 | $2,644 |
Cheap Davidson, North Carolina Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Davidson, North Carolina is a challenge. Take a look at the annual teen auto insurance rates in Davidson, North Carolina.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $13,331 | $13,331 |
| Geico | $4,592 | $4,551 |
| Liberty Mutual | $3,156 | $3,156 |
| Nationwide | $3,997 | $3,997 |
| Progressive | $4,023 | $4,023 |
| State Farm | $4,025 | $4,025 |
| Travelers | $4,418 | $4,418 |
Cheap Davidson, North Carolina Auto Insurance for Seniors
What are senior auto insurance rates in Davidson, North Carolina? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,534 | $4,534 |
| Geico | $2,426 | $2,382 |
| Liberty Mutual | $1,830 | $1,830 |
| Nationwide | $2,335 | $2,335 |
| Progressive | $1,600 | $1,600 |
| State Farm | $2,359 | $2,359 |
| Travelers | $2,555 | $2,555 |
Cheap Davidson, North Carolina Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Davidson, North Carolina compared to the annual auto insurance rates with a clean record in Davidson, North Carolina.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,932 | $6,940 | $12,848 | $5,311 |
| Geico | $1,567 | $2,315 | $5,529 | $2,148 |
| Liberty Mutual | $1,273 | $1,632 | $3,987 | $1,632 |
| Nationwide | $1,623 | $2,095 | $5,189 | $2,095 |
| Progressive | $1,114 | $1,619 | $4,985 | $1,566 |
| State Farm | $1,655 | $2,403 | $6,024 | $2,403 |
| Travelers | $1,812 | $2,383 | $5,656 | $2,342 |
Cheap Davidson, North Carolina Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Davidson, North Carolina is not easy. Compare the annual rates for DUI auto insurance in Davidson, North Carolina to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $12,848 |
| Geico | $5,529 |
| Liberty Mutual | $3,987 |
| Nationwide | $5,189 |
| Progressive | $4,985 |
| State Farm | $6,024 |
| Travelers | $5,656 |
Cheap Davidson, North Carolina Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Davidson, North Carolina annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $9,780 | $6,390 | $5,603 |
| Geico | $3,127 | $2,876 | $2,666 |
| Liberty Mutual | $2,131 | $2,131 | $2,131 |
| Nationwide | $2,751 | $2,751 | $2,751 |
| Progressive | $2,585 | $2,269 | $2,109 |
| State Farm | $4,387 | $2,802 | $2,175 |
| Travelers | $3,256 | $2,963 | $2,926 |
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Cheap Davidson, North Carolina Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Davidson, North Carolina can vary. Compare the annual cost of auto insurance by ZIP code in Davidson, North Carolina to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 28035 | $3,095 |
| 28036 | $3,001 |
Cheap Davidson, North Carolina Auto Insurance Rates By Commute
Commute length and annual mileage affect Davidson, North Carolina auto insurance. Find the cheapest annual Davidson, North Carolina auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $7,258 | $7,258 |
| Geico | $2,890 | $2,890 |
| Liberty Mutual | $2,131 | $2,131 |
| Nationwide | $2,751 | $2,751 |
| Progressive | $2,321 | $2,321 |
| State Farm | $3,112 | $3,130 |
| Travelers | $3,048 | $3,048 |
Cheap Davidson, North Carolina Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Davidson, North Carolina? Check out the comparison of annual Davidson, North Carolina auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,991 | $7,230 | $7,552 |
| Geico | $2,756 | $2,879 | $3,034 |
| Liberty Mutual | $2,026 | $2,117 | $2,249 |
| Nationwide | $2,634 | $2,736 | $2,882 |
| Progressive | $2,200 | $2,306 | $2,457 |
| State Farm | $2,990 | $3,105 | $3,269 |
| Travelers | $2,917 | $3,032 | $3,196 |
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Best By Category: Cheapest Auto Insurance in Davidson, North Carolina
Compare the cheapest auto insurance companies in Davidson, North Carolina in each category to find the company with the best rates for your personal needs.
| 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 |
The Cheapest Davidson, North Carolina Auto Insurance Companies
What auto insurance companies in Davidson, North Carolina are the cheapest? Compare the top Davidson, North Carolina auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $7,258 |
| Geico | $2,890 |
| Liberty Mutual | $2,131 |
| Nationwide | $2,751 |
| Progressive | $2,321 |
| State Farm | $3,121 |
| Travelers | $3,048 |
What affects auto insurance rates in Davidson, North Carolina?
There are a lot of reasons why auto insurance rates in Davidson, North Carolina are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Davidson, North Carolina. Many local factors may affect your Davidson auto insurance rates.
Davidson Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Davidson, North Carolina commute length is 26.1 minutes according to City-Data.
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Compare Davidson, North Carolina Auto Insurance Quotes
Before you buy Davidson, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Davidson, North Carolina auto insurance quotes.
Frequently Asked Questions
What is Davidson, NC auto insurance?
Davidson, NC auto insurance refers to the insurance coverage specifically designed for vehicles owned and operated in Davidson, North Carolina. It provides coverage for potential damages, liability, and other risks associated with owning and driving a vehicle in the Davidson area.
Is auto insurance mandatory in Davidson, NC?
Yes, auto insurance is mandatory in Davidson, NC, as it is in most jurisdictions. North Carolina state law requires all drivers to carry minimum liability insurance coverage to protect themselves and others in the event of an accident.
What are the minimum auto insurance requirements in Davidson, NC?
In Davidson, NC, drivers must carry at least the following minimum liability insurance coverage:
- $30,000 bodily injury liability coverage per person
- $60,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
What other types of coverage are available for Davidson, NC auto insurance?
In addition to liability coverage, other common coverage options available for Davidson, NC auto insurance include:
- Collision coverage: This pays for repairs or replacement if your vehicle is damaged in a collision with another vehicle or object.
- Comprehensive coverage: This covers non-collision-related damages to your vehicle, such as theft, vandalism, or weather-related damage.
- Uninsured/underinsured motorist coverage: This protects you if you’re involved in an accident with a driver who doesn’t have sufficient insurance or is uninsured.
- Medical payments coverage: This helps cover medical expenses for you and your passengers in case of injuries sustained in an accident.
How are auto insurance rates determined in Davidson, NC?
Auto insurance rates in Davidson, NC are determined by various factors, including:
- Driving record: A clean driving record with no accidents or traffic violations generally leads to lower insurance rates.
- Vehicle make and model: The type of vehicle you drive, its age, and its safety features can influence insurance rates.
- Location: Factors such as the crime rate, population density, and frequency of accidents in Davidson can impact rates.
- Coverage options: The coverage limits, deductibles, and additional coverage options you choose affect your premiums.
- Insurance company: Different insurance companies have their own rating algorithms and underwriting criteria, leading to variations in rates.
Are there any discounts available for Davidson, NC auto insurance?
Yes, there are various discounts that may be available for Davidson, NC auto insurance. Common discounts include:
- Multi-policy discount: If you have multiple insurance policies with the same provider (e.g., auto and home insurance), you may qualify for a discount.
- Safe driver discount: If you have a clean driving record without any accidents or traffic violations, you may be eligible for a safe driver discount.
- Good student discount: If you or a covered driver on your policy is a student with good grades, you may be eligible for a discount.
- Defensive driving discount: Completing an approved defensive driving course can often result in a discount on your premiums.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
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.