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Get Cheap Car Insurance in Lucama, NC
We monitor insurance prices, helping the average driver in Lucama save up to 33.1% on car insurance.
The Cheapest Minimum Coverage in Lucama
The chart below shows the cheapest car insurance company in Lucama 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.
| Lucama Insurer | Monthly Cost |
|---|---|
| Midvale Home & Auto | $47 |
| Erie Insurance | $48 |
| Farm Bureau | $51 |
| Progressive | $54 |
Savings for Every Kind of Lucama Driver
Based on our extensive insurance data, we know the average Lucama 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 $240 per year by choosing the right vehicle insurance company. Some Lucama residents are paying out over $1,248 extra every year for auto insurance in Lucama. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Lucama, NC Savings / Yr. |
|---|---|
$240 |
|
$521 |
|
$379 |
|
$968 |
|
$719 |
|
$289 |
|
$434 |
Lucama Car Insurance vs. North Carolina
People living in Lucama pay an average of 0.20% less than the typical driver in the state. The average driver in Lucama can expect to pay about $748 per year, or $1,248 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Lucama for most people.
Car Insurance Prices by Lucama Neighborhood
Insurance Prices
Where is insurance cheapest within Lucama?
The map shows insurance prices in and around Lucama, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $43 per year within the city boundaries, with insurance premiums ranging from a high of $1,269 to a low of $1,226. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the East parts of Lucama.Pick the Best Car Insurance Company for You in Lucama
The best car insurance provider for most drivers in Lucama
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $240 over the average Lucama car insurance company.
The best car insurance provider for Lucama 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 $521 over the competition.
The best car insurance company for Lucama drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $379 better than other car insurance companies.
The best auto insurance for Lucama drivers with a DUI conviction
Getting a quote from Kemper may cost the average person with a DUI about $968 less each year.
The least expensive car insurance company for new and young drivers in Lucama
In Lucama, State Farm costs young drivers $719 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Lucama
Erie Insurance gave the largest car insurance discounts to married couples, averaging $289 saved each year compared to an average Lucama couple's premiums.
The cheapest car insurance in Lucama for drivers with bad credit
The best Lucama car insurance company for customer service
Recent price drops
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The cheapest large national provider in Lucama
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Lucama 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 Lucama, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Lucama
What Influences the Cost of Car Insurance in Lucama?
On average, car insurance in Lucama 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:
- The average commute time in Lucama is 27 minutes, which is far less than average for a driver in the state.
- 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 Lucama are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- Lucama is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Lucama is $62 per month for minimum coverage and $104 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
- Black Creek: Insurance costs 0.32% less
- Buckhorn Crossroads: Insurance costs 0.32% less
- Watson Crossroads: Insurance costs 1.76% more
- Stotts Crossroads: Insurance costs 1.36% less
- Kenly: Insurance costs 0.64% more
- Fremont: Insurance costs 0.32% more
- Sims: Insurance costs 0.08% less
- Wilson: Insurance costs 2.72% more
- Evansdale: Insurance costs 3.21% more
- Beulahtown: Insurance costs 1.76% more
Cities with Similar Populations
- Nowata: Insurance costs 38.86% more
- Hickory Creek: Insurance costs 39.42% more
- Homer: Insurance costs 129.89% more
- Hope: Insurance costs 75.40% more
- Adamstown: Insurance costs 45.51% more
- Jefferson: Insurance costs 34.38% more
- Johnston: Insurance costs 32.53% more
- Karnes City: Insurance costs 31.89% more
- New Kent: Insurance costs 3.45% less
- Hot Springs: Insurance costs 36.62% more