Best Robbinsville, North Carolina Auto Insurance in 2026
The average Robbinsville, NC auto insurance rates are $246 per month. The minimum auto insurance in Robbinsville is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Robbinsville, North Carolina, compare quotes from multiple companies.
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Table of Contents
Table of Contents
Feature Writer
Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...
Rachel Bodine
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...
Jeff Root
Updated September 2024
- The minimum auto insurance required in Robbinsville, North Carolina is 30/60/25
- Average auto insurance rates in Robbinsville, NC for senior drivers are $2,212 per year
- The average commute length in Robbinsville is 16.1 minutes
Robbinsville, North Carolina auto insurance requirements are 30/60/25 according to North Carolina auto insurance laws. Finding cheap auto insurance in Robbinsville 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 Robbinsville, North Carolina, including driving record, credit, commute time, and more.
Compare auto insurance in Robbinsville to other North Carolina cities, including Concord auto insurance rates, High Point auto insurance rates, and Durham auto insurance rates to see how Robbinsville, North Carolina auto insurance rates stack up.
Before you buy Robbinsville, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Robbinsville, North Carolina auto insurance quotes.
Minimum Auto Insurance in Robbinsville, North Carolina
Robbinsville, 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 Robbinsville, North Carolina.
Minimum Required Auto Insurance Coverage in Robbinsville, 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 Robbinsville, North Carolina Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Robbinsville, North Carolina are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Robbinsville, 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 | $4,968 | $4,968 | $4,074 | $4,074 | $12,070 | $12,070 | $5,066 | $5,066 |
| Geico | $2,276 | $2,231 | $2,238 | $2,195 | $4,261 | $4,222 | $1,983 | $1,971 |
| Liberty Mutual | $1,552 | $1,552 | $1,606 | $1,606 | $2,754 | $2,754 | $1,552 | $1,552 |
| Nationwide | $2,080 | $2,080 | $2,080 | $2,080 | $3,544 | $3,544 | $2,080 | $2,080 |
| Progressive | $1,566 | $1,566 | $1,445 | $1,445 | $3,565 | $3,565 | $1,727 | $1,727 |
| State Farm | $2,093 | $2,093 | $1,810 | $1,810 | $3,081 | $3,081 | $2,585 | $2,585 |
| Travelers | $2,272 | $2,272 | $2,253 | $2,253 | $3,870 | $3,870 | $2,332 | $2,332 |
Cheap Robbinsville, North Carolina Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Robbinsville, North Carolina is a challenge. Take a look at the annual teen auto insurance rates in Robbinsville, North Carolina.
Annual Auto Insurance Rates for Teen Drivers in Robbinsville, North Carolina
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $12,070 | $12,070 |
| Geico | $4,261 | $4,222 |
| Liberty Mutual | $2,754 | $2,754 |
| Nationwide | $3,544 | $3,544 |
| Progressive | $3,565 | $3,565 |
| State Farm | $3,081 | $3,081 |
| Travelers | $3,870 | $3,870 |
Cheap Robbinsville, North Carolina Auto Insurance for Seniors
What are senior auto insurance rates in Robbinsville, North Carolina? Take a look at the annual average rates for older drivers.
Annual Auto Insurance Rates for Senior Drivers in Robbinsville, North Carolina
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,074 | $4,074 |
| Geico | $2,238 | $2,195 |
| Liberty Mutual | $1,606 | $1,606 |
| Nationwide | $2,080 | $2,080 |
| Progressive | $1,445 | $1,445 |
| State Farm | $1,810 | $1,810 |
| Travelers | $2,253 | $2,253 |
Cheap Robbinsville, 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 Robbinsville, North Carolina compared to the annual auto insurance rates with a clean record in Robbinsville, North Carolina.
Annual Robbinsville, North Carolina Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,557 | $6,219 | $11,600 | $4,804 |
| Geico | $1,492 | $2,169 | $5,019 | $2,008 |
| Liberty Mutual | $1,114 | $1,428 | $3,492 | $1,428 |
| Nationwide | $1,442 | $1,862 | $4,616 | $1,862 |
| Progressive | $986 | $1,442 | $4,483 | $1,392 |
| State Farm | $1,277 | $1,844 | $4,604 | $1,844 |
| Travelers | $1,568 | $2,106 | $5,000 | $2,053 |
Cheap Robbinsville, North Carolina Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Robbinsville, North Carolina is not easy. Compare the annual rates for DUI auto insurance in Robbinsville, North Carolina to find the best deal.
Annual Auto Insurance Rates After a DUI in Robbinsville, North Carolina
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $11,600 |
| Geico | $5,019 |
| Liberty Mutual | $3,492 |
| Nationwide | $4,616 |
| Progressive | $4,483 |
| State Farm | $4,604 |
| Travelers | $5,000 |
Cheap Robbinsville, North Carolina Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Robbinsville, North Carolina annual auto insurance rates by credit history compare.
Annual Auto Insurance Rates by Credit Score in Robbinsville, North Carolina
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $8,861 | $5,754 | $5,019 |
| Geico | $2,901 | $2,658 | $2,457 |
| Liberty Mutual | $1,866 | $1,866 | $1,866 |
| Nationwide | $2,446 | $2,446 | $2,446 |
| Progressive | $2,317 | $2,029 | $1,881 |
| State Farm | $3,359 | $2,148 | $1,669 |
| Travelers | $2,879 | $2,606 | $2,561 |
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Cheap Robbinsville, North Carolina Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Robbinsville, North Carolina can vary. Compare the annual cost of auto insurance by ZIP code in Robbinsville, North Carolina to see how car insurance rates are affected by location.
Annual Auto Insurance Rates by ZIP Code in Robbinsville, North Carolina
| ZIP Code | Average Annual Rates |
|---|---|
| 28771 | $2,678 |
Cheap Robbinsville, North Carolina Auto Insurance Rates By Commute
Commute length and annual mileage affect Robbinsville, North Carolina auto insurance. Find the cheapest annual Robbinsville, North Carolina auto insurance by commute length.
Annual Auto Insurance Rates by Commute Length in Robbinsville, North Carolina
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $6,545 | $6,545 |
| Geico | $2,672 | $2,672 |
| Liberty Mutual | $1,866 | $1,866 |
| Nationwide | $2,446 | $2,446 |
| Progressive | $2,076 | $2,076 |
| State Farm | $2,383 | $2,401 |
| Travelers | $2,682 | $2,682 |
Cheap Robbinsville, North Carolina Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Robbinsville, North Carolina? Check out the comparison of annual Robbinsville, North Carolina auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Robbinsville, North Carolina
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,349 | $6,524 | $6,761 |
| Geico | $2,559 | $2,663 | $2,794 |
| Liberty Mutual | $1,783 | $1,854 | $1,960 |
| Nationwide | $2,355 | $2,434 | $2,548 |
| Progressive | $1,983 | $2,064 | $2,181 |
| State Farm | $2,311 | $2,380 | $2,485 |
| Travelers | $2,579 | $2,668 | $2,798 |
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Best By Category: Cheapest Auto Insurance in Robbinsville, North Carolina
Compare the cheapest auto insurance companies in Robbinsville, North Carolina in each category to find the company with the best rates for your personal needs.
Best Annual Auto Insurance Rates by Company in Robbinsville, 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 |
The Cheapest Robbinsville, North Carolina Auto Insurance Companies
What auto insurance companies in Robbinsville, North Carolina are the cheapest? Compare the top Robbinsville, North Carolina auto insurance companies to find the best annual rates.
Average Annual Auto Insurance Rates by Company in Robbinsville, North Carolina
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,545 |
| Geico | $2,672 |
| Liberty Mutual | $1,866 |
| Nationwide | $2,446 |
| Progressive | $2,076 |
| State Farm | $2,392 |
| Travelers | $2,682 |
What affects auto insurance rates in Robbinsville, North Carolina?
There are a lot of reasons why auto insurance rates in Robbinsville, North Carolina are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Robbinsville, North Carolina. Many local factors may affect your Robbinsville auto insurance rates.
Robbinsville Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Robbinsville, North Carolina commute length is 16.1 minutes according to City-Data.
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Compare Robbinsville, North Carolina Auto Insurance Quotes
Before you buy Robbinsville, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Robbinsville, North Carolina auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a type of insurance coverage that provides financial protection against physical damage or bodily injury resulting from traffic collisions and other incidents involving vehicles. It typically includes both property and liability coverage.
Why do I need auto insurance in Robbinsville, NC?
Auto insurance is required in Robbinsville, NC, as it is in most states. The primary reason is to protect yourself and others financially in the event of an accident. It helps cover the cost of repairing or replacing your vehicle, medical expenses, and liability claims if you’re responsible for injuring someone or damaging their property.
What types of auto insurance coverage are available in Robbinsville, NC?
In Robbinsville, NC, you can typically find various types of auto insurance coverage, including:
- Liability coverage: This covers the costs associated with injuries or property damage you cause to others.
- Collision coverage: This helps pay for repairs or replacement of your vehicle if it’s damaged in a collision.
- Comprehensive coverage: This covers damages to your vehicle caused by incidents other than collisions, such as theft, vandalism, or natural disasters.
- Personal injury protection (PIP): This coverage pays for medical expenses and related costs for you and your passengers, regardless of who is at fault.
- Uninsured/underinsured motorist coverage: This protects you if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.
Are there any additional auto insurance options I should consider in Robbinsville, NC?
Yes, in addition to the standard coverage options, you may want to consider optional coverage such as:
- Rental reimbursement coverage: This pays for a rental car while yours is being repaired after an accident.
- Roadside assistance: This provides assistance if your vehicle breaks down, such as towing, battery jump-start, or fuel delivery.
- Gap insurance: If you have a loan or lease on your vehicle, gap insurance covers the difference between your car’s actual cash value and the amount you owe if it’s totaled.
How much auto insurance coverage do I need in Robbinsville, NC?
The amount of auto insurance coverage you need depends on various factors, including the value of your vehicle, your assets, and your personal preferences. It’s important to meet the minimum coverage requirements mandated by the state, but it’s often recommended to consider higher limits to provide better protection in case of accidents or lawsuits.
How can I find the best auto insurance in Robbinsville, NC?
To find the best auto insurance in Robbinsville, NC, consider the following steps:
- Evaluate your needs: Determine the level of coverage you require and any additional features you want.
- Shop around: Get quotes from multiple insurance providers to compare coverage options and premiums.
- Research insurance companies: Look for reviews and ratings to assess their reputation and customer service.
- Consider discounts: Inquire about available discounts that may help lower your insurance premiums.
- Review policy details: Carefully read and understand the terms, conditions, and exclusions of each policy before making a decision.
- Seek advice: Consult with an insurance agent or broker who can provide guidance based on your specific needs and circumstances.
How are auto insurance premiums calculated in Robbinsville, NC?
Auto insurance premiums in Robbinsville, NC are typically determined by several factors, including:
- Your driving record: A history of accidents or traffic violations may increase your premiums.
- Vehicle make and model: The type of vehicle you drive can impact insurance rates.
- Coverage and deductibles: Higher coverage limits and lower deductibles generally result in higher premiums.
- Age and gender: Younger and less-experienced drivers
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