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Get Cheap Car Insurance in Locust, NC
We monitor insurance prices, helping the average driver in Locust save up to 33.1% on car insurance.
The Cheapest Minimum Coverage in Locust
The chart below shows the cheapest car insurance company in Locust for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Midvale Home & Auto, followed by Erie Insurance, Farm Bureau, and Progressive.
| Locust Insurer | Monthly Cost |
|---|---|
| Midvale Home & Auto | $47 |
| Erie Insurance | $47 |
| Farm Bureau | $50 |
| Progressive | $53 |
Savings for Every Kind of Locust Driver
Based on our extensive insurance data, we know the average Locust driver will save about 19% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $236 per year by choosing the right vehicle insurance company. Some Locust residents are paying out over $1,229 extra every year for auto insurance in Locust. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Locust, NC Savings / Yr. |
|---|---|
$236 |
|
$513 |
|
$374 |
|
$954 |
|
$708 |
|
$285 |
|
$428 |
Locust Car Insurance vs. North Carolina
People living in Locust pay an average of 1.69% less than the typical driver in the state. The average driver in Locust can expect to pay about $736 per year, or $1,229 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Locust for most people.
Car Insurance Prices by Locust Neighborhood
Insurance Prices
Where is insurance cheapest within Locust?
The map shows insurance prices in and around Locust, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $48 per year within the city boundaries, with insurance premiums ranging from a high of $1,264 to a low of $1,216. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the South parts of Locust.Pick the Best Car Insurance Company for You in Locust
The best car insurance provider for most drivers in Locust
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $236 over the average Locust car insurance company.
The best car insurance provider for Locust drivers with accidents on their records
In our analysis, Erie Insurance saved the average person who had been in an accident the most, with annual savings averaging $513 over the competition.
The best car insurance company for Locust drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $374 better than other car insurance companies.
The best auto insurance for Locust drivers with a DUI conviction
Getting a quote from Kemper may cost the average person with a DUI about $954 less each year.
The least expensive car insurance company for new and young drivers in Locust
In Locust, State Farm costs young drivers $708 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Locust
Erie Insurance gave the largest car insurance discounts to married couples, averaging $285 saved each year compared to an average Locust couple's premiums.
The cheapest car insurance in Locust for drivers with bad credit
The best Locust car insurance company for customer service
Recent price drops
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The cheapest large national provider in Locust
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Locust driver can expect to pay about $87 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Locust, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Locust
What Influences the Cost of Car Insurance in Locust?
On average, car insurance in Locust is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- North Carolina state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Locust are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
- Locust has an average population density in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Locust is $61 per month for minimum coverage and $102 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Red Cross: Insurance costs 0.33% more
- Stanfield: Insurance costs 1.22% more
- Georgeville: Insurance costs 2.85% more
- Bloomington: Insurance costs 0.73% more
- Oakboro: Insurance costs 0.73% less
- Midland: Insurance costs 0.33% more
- Frog Pond: Insurance costs 0.41% less
- Mount Pleasant: Insurance costs 0.65% more
- Finger: Insurance costs 1.79% less
- Flows Store: Insurance costs 4.48% more
Cities with Similar Populations
- Erwin: Insurance costs 4.39% more
- Elm Grove: Insurance costs 6.59% less
- Elmore: Insurance costs 27.83% more
- Elon College: Insurance costs 2.20% less
- Elsmere: Insurance costs 64.69% more
- Emerson: Insurance costs 56.55% more
- Emmitsburg: Insurance costs 41.17% more
- Epping: Insurance costs 1.79% less
- Erath: Insurance costs 142.72% more
- Elm City: Insurance costs 0.73% more