Cheapest Car Insurance Quotes in Linden

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399,755 Policies Sold

Linden Car Insurance

^$ 33

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Linden

The car insurance rate in Linden is $983 for a six-month policy, which is $81 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $440, making it a popular choice for budget-conscious drivers. Rates in Linden can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Linden

$983

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Linden

1st place: Erie

At $440 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $524 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $602 for six months, making it the third cheapest auto insurance company in Linden.

Linden Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Linden, NC is Erie, offering policies at just $440 for a six-month term. This is followed by Progressive, which has an average six-month premium of $524.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1256 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Linden drivers find the best deals.

Cheap Car Insurance Companies in Linden, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$440	$74
Progressive	$524	$88
State Farm	$602	$101
North Carolina Farm Bureau	$712	$120
Nationwide	$925	$156
Farm Bureau	$1218	$207
Farmers	$1243	$207
Kemper	$1366	$232
Allstate	$1554	$262
Penn National	$1256	$209

Key Takeaways

Way's key takeaways about car insurance in Linden

The auto insurance costs in Linden fall around $440 for six months.
The cheapest auto insurance company in Linden is Erie.
Teen drivers pay the highest rate in Linden at $66 per month.

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Cheapest Minimum Liability Car Insurance in Linden

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Linden are given below.

Erie provides the cheapest minimum car insurance coverage in Linden. Their Average 6 Month Premium is $194. National Farmers Union Insurance is the most expensive at $337 for the same period.

Cheapest Liability Coverage in Linden, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$194	$33
State Farm	$266	$45
Progressive	$278	$47
North Carolina Farm Bureau	$304	$51
Nationwide	$382	$64
National General	$395	$65
Penn National	$427	$73
Farm Bureau	$621	$104
Allstate	$680	$114
National Farmers Union Insurance	$337	$56

Cheapest Full Coverage Car Insurance in Linden

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Linden is Erie at $74 per month and $440 for six months.

Cheapest Full Coverage Car Insurance Quotes in Linden, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$440	$74
Progressive	$524	$88
State Farm	$602	$101
North Carolina Farm Bureau	$712	$120
Nationwide	$925	$156
Farm Bureau	$1218	$207
Farmers	$1243	$207
Kemper	$1366	$232
Allstate	$1554	$262
Penn National	$1256	$209

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Average Car Insurance in Linden by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Linden, NC increasing?

Despite maintaining a clean driving record, your car insurance rates in Linden, North Carolina, may be increasing due to several external factors. North Carolina has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Linden's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Linden

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	North Carolina Farm Bureau	$444
30s	North Carolina Farm Bureau	$444
40s	North Carolina Farm Bureau	$444
50s	North Carolina Farm Bureau	$444
60s	North Carolina Farm Bureau	$444
70s	North Carolina Farm Bureau	$444

Cheapest Car Insurance Rates for Teen Drivers in Linden,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Linden at $96 per month. At $388 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$570	$96
State Farm	$738	$124
Erie	$744	$125
North Carolina Farm Bureau	$1301	$219
Nationwide	$2817	$470
Allstate	$3405	$579
Penn National	$376	$62
National General	$388	$66

Teen Car Insurance Rates in NC by Age

Way Tip

If you are in your twenties North Carolina Farm Bureau is the best choice for car insurance in Linden.

As young drivers face the highest rates in Linden, North Carolina Farm Bureau offers the cheapest auto insurance rates at $444 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Linden, North Carolina Farm Bureau is the cheapest car insurance provider. At $194 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Linden is Allstate, offering rates of around $3425 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$194	$33
National General	$337	$56
Progressive	$363	$61
Erie	$421	$71
Nationwide	$835	$141
State Farm	$1438	$242
Farm Bureau	$1645	$280
Allstate	$3425	$571

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Save up to $971/yr on car insurance rates in Linden.

Car Insurance Rates with An Accident in Linden

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Linden, NC, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Linden

The cheapest car insurance companies after an at-fault accident in Linden include Progressive and Erie, offering $550 and $557, respectively. Farmers is an expensive provider with an average six-month premium of $577.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$550	$93
Erie	$557	$94
State Farm	$621	$105
North Carolina Farm Bureau	$855	$144
Nationwide	$1535	$258
Farm Bureau	$1936	$329
Allstate	$2927	$493
Penn National	$537	$92
Farmers	$577	$96

Linden Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Linden NC. For example, the car insurance in Linden after a DUI increases to $2015 for a six month policy. While the rate increases by $240 for a six-month policy in the case of a speeding ticket.

Linden auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$621	$104
One Med/PIP claim	$621	$106
Not-at-fault accident	$628	$105
One comp claim	$641	$109
Two Med/PIP claims	$641	$107
Two comp claims	$661	$112
Failure to show documents	$731	$122
Child safety restraint	$810	$137
Driving without lights	$810	$135
Failure to wear a seat belt	$810	$137
Cell phone violation	$855	$143
Texting while driving	$855	$145
Speeding 6 - 10 MPH over limit	$861	$144
Driving with expired registration	$868	$147
Driving too slowly	$881	$147
Failure to stop at a red light	$881	$149
Failure to yield	$881	$147
Illegal turn	$881	$149
Open container	$881	$147
Operating a vehicle without permission	$881	$149
Wrong way/wrong lane	$881	$147
Speeding in school zone	$887	$150
At-fault accident - $1000-$2000	$894	$149
At-fault accident - less than $1000	$894	$152
In 65 MPH zone	$945	$158
Speeding 11 - 15 MPH over limit	$945	$160
Speeding 16 - 20 MPH over limit	$945	$158
Speeding 21 - 25 MPH over limit	$945	$160
Improper passing	$965	$161
Following too closely	$971	$166
At-fault accident - greater than $2000	$1042	$173
Passing school bus	$1185	$202
Reckless driving	$1198	$199
Driving with a suspended license	$1852	$315
Leaving scene of an accident/hit and run	$2603	$434
Refusal to submit to a chemical test	$2629	$447
DUI	$2636	$439
Racing	$2680	$456

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Linden after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Linden.

The cheapest car insurance premiums in Linden are offered by National General at $447 for a six-month policy. However, it can be as expensive as $1482 with companies like Farmers.

Linden car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$447	$76
Progressive	$1438	$242
State Farm	$1599	$269
Erie	$1696	$286
Nationwide	$3180	$535
North Carolina Farm Bureau	$3509	$591
Allstate	$6746	$1136
Farm Bureau	$7245	$1208
Farmers	$1482	$247

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Linden are offered by North Carolina Farm Bureau at $207. However, it can be as expensive as $2260 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Linden after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$207	$35
National General	$434	$74
Erie	$440	$74
State Farm	$473	$80
Progressive	$492	$83
Nationwide	$887	$149
Farm Bureau	$1625	$270
Allstate	$2260	$384

Car Insurance Price Trends in Linden, North Carolina

Car insurance rates in Linden have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Linden remained steady at $124 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Linden remained steady at $60 in both November and October, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Linden?

The car insurance in Linden is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Linden?

The cheapest car insurance in Linden is $74 per month for full coverage.

How much is car insurance in Linden for teenagers?

Car insurance for teenagers costs $570 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Linden?

The average cost of car insurance is $902 for a six-month policy. It will cost around $166 per month to insure your car in Linden.

Is car insurance expensive in Linden?

Car insurance can be expensive in Linden if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Linden can be affordable.

Cheapest Car Insurance Quotes in Linden

Why you can trust Way?

How Much Is Car Insurance in Linden

Avg. Car Insurance in Linden

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Linden

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Linden Car Insurance Rates by Company

Cheap Car Insurance Companies in Linden, NC

Way's key takeaways about car insurance in Linden

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Linden

Cheapest Liability Coverage in Linden, NC

Cheapest Full Coverage Car Insurance in Linden

Cheapest Full Coverage Car Insurance Quotes in Linden, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Linden by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Linden, NC increasing?

Car Insurance Premiums by Age in Linden

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Linden,NC

If you are in your twenties North Carolina Farm Bureau is the best choice for car insurance in Linden.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Linden

Cheapest Car Insurance Companies after an At-Fault Accident in Linden

Linden Car Insurance Rates by Violation

Linden auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Linden after a DUI

Linden car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Linden after Speeding ticket

Car Insurance Price Trends in Linden, North Carolina

Average Car Insurance Cost in Linden by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Linden, NC

Car Insurance Rates by State in the USA (2025 Update)

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