Hickory, NC Auto Insurance (2024)
The average Hickory, NC auto insurance rates are $275 per month. The minimum auto insurance in Hickory is at least 30/60/25 in coverage to comply with North Carolina auto insurance laws. To find the best cheap auto insurance in Hickory, North Carolina, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
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: Jun 22, 2023
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
- Average auto insurance rates in Hickory, NC for senior drivers are $2,464 per year
- The most expensive auto insurance company in Hickory for teen drivers is Allstate
- The cheapest auto insurance company in Hickory is Liberty Mutual
Hickory, North Carolina auto insurance requirements are 30/60/25 according to North Carolina auto insurance laws. Finding cheap auto insurance in Hickory 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 Hickory, North Carolina, including driving record, credit, commute time, and more.
Compare auto insurance in Hickory to other North Carolina cities, including Cary auto insurance rates, Fayetteville auto insurance rates, and High Point auto insurance rates to see how Hickory, North Carolina auto insurance rates stack up.
Before you buy Hickory, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Hickory, North Carolina auto insurance quotes.
Minimum Auto Insurance in Hickory, North Carolina
Hickory, 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 Hickory, 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 Hickory, North Carolina Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Hickory, 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 | $5,530 | $5,530 | $4,533 | $4,533 | $13,427 | $13,427 | $5,639 | $5,639 |
| 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 | $1,738 | $1,738 | $1,596 | $1,596 | $4,035 | $4,035 | $1,926 | $1,926 |
| State Farm | $2,304 | $2,304 | $1,994 | $1,994 | $3,403 | $3,403 | $2,846 | $2,846 |
| Travelers | $2,576 | $2,576 | $2,555 | $2,555 | $4,418 | $4,418 | $2,644 | $2,644 |
Cheap Hickory, North Carolina Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Hickory, North Carolina is a challenge. Take a look at the annual teen auto insurance rates in Hickory, North Carolina.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $13,427 | $13,427 |
| Geico | $4,592 | $4,551 |
| Liberty Mutual | $3,156 | $3,156 |
| Nationwide | $3,997 | $3,997 |
| Progressive | $4,035 | $4,035 |
| State Farm | $3,403 | $3,403 |
| Travelers | $4,418 | $4,418 |
Cheap Hickory, North Carolina Auto Insurance for Seniors
What are senior auto insurance rates in Hickory, 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 | $4,533 | $4,533 |
| Geico | $2,426 | $2,382 |
| Liberty Mutual | $1,830 | $1,830 |
| Nationwide | $2,335 | $2,335 |
| Progressive | $1,596 | $1,596 |
| State Farm | $1,994 | $1,994 |
| Travelers | $2,555 | $2,555 |
Cheap Hickory, 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 Hickory, North Carolina compared to the annual auto insurance rates with a clean record in Hickory, North Carolina.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,956 | $6,934 | $12,899 | $5,340 |
| 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 | $1,115 | $1,620 | $4,992 | $1,568 |
| State Farm | $1,407 | $2,034 | $5,074 | $2,034 |
| Travelers | $1,812 | $2,383 | $5,656 | $2,342 |
Cheap Hickory, North Carolina Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Hickory, North Carolina is not easy. Compare the annual rates for DUI auto insurance in Hickory, North Carolina to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $12,899 |
| Geico | $5,529 |
| Liberty Mutual | $3,987 |
| Nationwide | $5,189 |
| Progressive | $4,992 |
| State Farm | $5,074 |
| Travelers | $5,656 |
Cheap Hickory, North Carolina Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Hickory, North Carolina annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $9,851 | $6,394 | $5,602 |
| Geico | $3,127 | $2,876 | $2,666 |
| Liberty Mutual | $2,131 | $2,131 | $2,131 |
| Nationwide | $2,751 | $2,751 | $2,751 |
| Progressive | $2,592 | $2,273 | $2,106 |
| State Farm | $3,701 | $2,369 | $1,842 |
| Travelers | $3,256 | $2,963 | $2,926 |
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Cheap Hickory, North Carolina Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Hickory, North Carolina can vary. Compare the annual cost of auto insurance by ZIP code in Hickory, North Carolina to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 28602 | $2,999 |
Cheap Hickory, North Carolina Auto Insurance Rates By Commute
Commute length and annual mileage affect Hickory, North Carolina auto insurance. Find the cheapest annual Hickory, North Carolina auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $7,282 | $7,282 |
| Geico | $2,890 | $2,890 |
| Liberty Mutual | $2,131 | $2,131 |
| Nationwide | $2,751 | $2,751 |
| Progressive | $2,324 | $2,324 |
| State Farm | $2,628 | $2,646 |
| Travelers | $3,048 | $3,048 |
Cheap Hickory, North Carolina Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Hickory, North Carolina? Check out the comparison of annual Hickory, North Carolina auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $7,018 | $7,256 | $7,573 |
| Geico | $2,756 | $2,879 | $3,034 |
| Liberty Mutual | $2,026 | $2,117 | $2,249 |
| Nationwide | $2,634 | $2,736 | $2,882 |
| Progressive | $2,202 | $2,309 | $2,459 |
| State Farm | $2,528 | $2,623 | $2,760 |
| Travelers | $2,917 | $3,032 | $3,196 |
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Best By Category: Cheapest Auto Insurance in Hickory, North Carolina
Compare the cheapest auto insurance companies in Hickory, 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 Hickory, North Carolina Auto Insurance Companies
What auto insurance companies in Hickory, North Carolina are the cheapest? Compare the top Hickory, North Carolina auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $7,282 |
| Geico | $2,890 |
| Liberty Mutual | $2,131 |
| Nationwide | $2,751 |
| Progressive | $2,324 |
| State Farm | $2,637 |
| Travelers | $3,048 |
What affects auto insurance rates in Hickory, North Carolina?
There are a lot of reasons why auto insurance rates in Hickory, North Carolina are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Hickory, North Carolina. Many local factors may affect your Hickory auto insurance rates.
Hickory Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Hickory, North Carolina commute length is 19.6 minutes according to City-Data.
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Compare Hickory, North Carolina Auto Insurance Quotes
Before you buy Hickory, North Carolina auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Hickory, North Carolina auto insurance quotes.
Frequently Asked Questions
Is auto insurance mandatory in Hickory, NC?
Yes, auto insurance is mandatory in Hickory, NC, as it is in most states. The minimum required coverage typically includes liability insurance, which covers damages you cause to others in an accident.
What factors affect auto insurance premiums in Hickory, NC?
Several factors can affect auto insurance premiums in Hickory, NC, including your driving record, age, gender, type of vehicle, location, credit history, and the coverage options you choose.
What types of coverage are available for auto insurance in Hickory, NC?
Common types of auto insurance coverage available in Hickory, NC, include:
- Liability coverage: Covers damages you cause to others.
- Collision coverage: Pays for repairs or replacement of your vehicle after an accident.
- Comprehensive coverage: Protects against non-collision incidents, such as theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: Covers your expenses if you’re involved in an accident with an uninsured or underinsured driver.
How can I save money on auto insurance in Hickory, NC?
To potentially lower your auto insurance costs in Hickory, NC, you can:
- Maintain a good driving record.
- Opt for higher deductibles.
- Bundle your auto insurance with other policies.
- Take advantage of available discounts, such as for safe driving, multiple policies, or vehicle safety features.
What should I do after a car accident in Hickory, NC?
After a car accident in Hickory, NC, follow these steps:
- Ensure everyone’s safety and call emergency services if needed.
- Exchange information with the other driver(s) involved.
- Document the accident scene and gather evidence, including photos and witness statements.
- Notify your insurance company and file a claim as soon as possible.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto 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.