Cheapest Car Insurance Quotes in Lucama

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399,755 Policies Sold

Lucama Car Insurance

^$ 31

/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 Lucama

The car insurance rate in Lucama is $929 for a six-month policy, which is $27 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $416, making it a popular choice for budget-conscious drivers. Rates in Lucama 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 Lucama

$929

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Lucama

1st place: Erie

At $416 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $495 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 $569 for six months, making it the third cheapest auto insurance company in Lucama.

Lucama Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lucama, NC is Erie, offering policies at just $416 for a six-month term. This is followed by Progressive, which has an average six-month premium of $495.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1187 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lucama drivers find the best deals.

Cheap Car Insurance Companies in Lucama, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$416	$70
Progressive	$495	$83
State Farm	$569	$96
North Carolina Farm Bureau	$673	$113
Nationwide	$874	$147
Farm Bureau	$1151	$196
Farmers	$1174	$196
Kemper	$1291	$219
Allstate	$1469	$247
Penn National	$1187	$198

Key Takeaways

Way's key takeaways about car insurance in Lucama

The auto insurance costs in Lucama fall around $416 for six months.
The cheapest auto insurance company in Lucama is Erie.
Teen drivers pay the highest rate in Lucama at $63 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Lucama

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 Lucama are given below.

Erie provides the cheapest minimum car insurance coverage in Lucama. Their Average 6 Month Premium is $183. National Farmers Union Insurance is the most expensive at $318 for the same period.

Cheapest Liability Coverage in Lucama, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$183	$31
State Farm	$251	$42
Progressive	$263	$44
North Carolina Farm Bureau	$287	$48
Nationwide	$361	$61
National General	$373	$62
Penn National	$404	$69
Farm Bureau	$587	$98
Allstate	$643	$108
National Farmers Union Insurance	$318	$53

Cheapest Full Coverage Car Insurance in Lucama

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 Lucama is Erie at $70 per month and $416 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lucama, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$416	$70
Progressive	$495	$83
State Farm	$569	$96
North Carolina Farm Bureau	$673	$113
Nationwide	$874	$147
Farm Bureau	$1151	$196
Farmers	$1174	$196
Kemper	$1291	$219
Allstate	$1469	$247
Penn National	$1187	$198

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Average Car Insurance in Lucama 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 Lucama, NC increasing?

Despite maintaining a clean driving record, your car insurance rates in Lucama, 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, Lucama's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Lucama

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	$419
30s	North Carolina Farm Bureau	$419
40s	North Carolina Farm Bureau	$419
50s	North Carolina Farm Bureau	$419
60s	North Carolina Farm Bureau	$419
70s	North Carolina Farm Bureau	$419

Cheapest Car Insurance Rates for Teen Drivers in Lucama,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Lucama at $91 per month. At $367 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$539	$91
State Farm	$697	$117
Erie	$703	$118
North Carolina Farm Bureau	$1230	$207
Nationwide	$2662	$444
Allstate	$3218	$547
Penn National	$355	$59
National General	$367	$63

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 Lucama.

As young drivers face the highest rates in Lucama, North Carolina Farm Bureau offers the cheapest auto insurance rates at $419 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 Lucama, North Carolina Farm Bureau is the cheapest car insurance provider. At $183 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 Lucama is Allstate, offering rates of around $3236 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$183	$31
National General	$318	$53
Progressive	$343	$58
Erie	$398	$67
Nationwide	$789	$133
State Farm	$1359	$229
Farm Bureau	$1554	$265
Allstate	$3236	$540

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Car Insurance Rates with An Accident in Lucama

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 Lucama, NC, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Lucama include Progressive and Erie, offering $520 and $526, respectively. Farmers is an expensive provider with an average six-month premium of $545.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$520	$88
Erie	$526	$89
State Farm	$587	$99
North Carolina Farm Bureau	$808	$136
Nationwide	$1450	$244
Farm Bureau	$1829	$311
Allstate	$2766	$466
Penn National	$508	$87
Farmers	$545	$91

Lucama Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lucama NC. For example, the car insurance in Lucama after a DUI increases to $1904 for a six month policy. While the rate increases by $227 for a six-month policy in the case of a speeding ticket.

Lucama auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$587	$98
One Med/PIP claim	$587	$100
Not-at-fault accident	$593	$99
One comp claim	$606	$103
Two Med/PIP claims	$606	$101
Two comp claims	$624	$106
Failure to show documents	$691	$115
Child safety restraint	$765	$130
Driving without lights	$765	$128
Failure to wear a seat belt	$765	$130
Cell phone violation	$808	$135
Texting while driving	$808	$137
Speeding 6 - 10 MPH over limit	$814	$136
Driving with expired registration	$820	$139
Driving too slowly	$832	$139
Failure to stop at a red light	$832	$141
Failure to yield	$832	$139
Illegal turn	$832	$141
Open container	$832	$139
Operating a vehicle without permission	$832	$141
Wrong way/wrong lane	$832	$139
Speeding in school zone	$838	$142
At-fault accident - $1000-$2000	$845	$141
At-fault accident - less than $1000	$845	$143
In 65 MPH zone	$893	$149
Speeding 11 - 15 MPH over limit	$893	$151
Speeding 16 - 20 MPH over limit	$893	$149
Speeding 21 - 25 MPH over limit	$893	$151
Improper passing	$912	$152
Following too closely	$918	$157
At-fault accident - greater than $2000	$985	$164
Passing school bus	$1120	$191
Reckless driving	$1132	$188
Driving with a suspended license	$1750	$298
Leaving scene of an accident/hit and run	$2460	$410
Refusal to submit to a chemical test	$2484	$422
DUI	$2491	$415
Racing	$2533	$431

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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 Lucama 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 Lucama.

The cheapest car insurance premiums in Lucama are offered by National General at $422 for a six-month policy. However, it can be as expensive as $1401 with companies like Farmers.

Lucama car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$422	$72
Progressive	$1359	$229
State Farm	$1511	$254
Erie	$1603	$270
Nationwide	$3005	$506
North Carolina Farm Bureau	$3316	$558
Allstate	$6375	$1073
Farm Bureau	$6846	$1141
Farmers	$1401	$234

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 Lucama are offered by North Carolina Farm Bureau at $196. However, it can be as expensive as $2135 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lucama after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$196	$33
National General	$410	$70
Erie	$416	$70
State Farm	$447	$75
Progressive	$465	$78
Nationwide	$838	$141
Farm Bureau	$1536	$255
Allstate	$2135	$363

Car Insurance Price Trends in Lucama, North Carolina

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

The average cost of full coverage in the Lucama remained steady at $117 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Lucama remained steady at $57 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 Lucama?

The car insurance in Lucama is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Lucama?

The cheapest car insurance in Lucama is $70 per month for full coverage.

How much is car insurance in Lucama for teenagers?

Car insurance for teenagers costs $539 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 Lucama?

The average cost of car insurance is $902 for a six-month policy. It will cost around $157 per month to insure your car in Lucama.

Is car insurance expensive in Lucama?

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

Cheapest Car Insurance Quotes in Lucama

Why you can trust Way?

How Much Is Car Insurance in Lucama

Avg. Car Insurance in Lucama

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Lucama

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Lucama Car Insurance Rates by Company

Cheap Car Insurance Companies in Lucama, NC

Way's key takeaways about car insurance in Lucama

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lucama

Cheapest Liability Coverage in Lucama, NC

Cheapest Full Coverage Car Insurance in Lucama

Cheapest Full Coverage Car Insurance Quotes in Lucama, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lucama by Rating Factor

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

Car Insurance Premiums by Age in Lucama

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lucama,NC

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

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 Lucama

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

Lucama Car Insurance Rates by Violation

Lucama auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lucama after a DUI

Lucama car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lucama after Speeding ticket

Car Insurance Price Trends in Lucama, North Carolina

Average Car Insurance Cost in Lucama by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lucama, NC

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

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Data Sources