Brad Mundy
1015 2nd St NE, Ste 105, Hickory, NC 28601
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1015 2nd St NE, Ste 105, Hickory, NC 28601
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829 8th Ave NE, Hickory, NC 28601
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561 US Hwy 70 SW, Hickory, NC 28602
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18 8th Ave NE, Hickory, NC 28601
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410 3rd Ave SW, Hickory, NC 28602
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Learn about insurance coverage options specific to Hickory residents.
Complete guide to insurance in Hickory, NC: updated 2025 auto requirements, home insurance costs, flood risk, and local agents in Catawba County.
Home InsuranceHickory home insurance rates rise 7.5% in 2025-26. Learn about Lake Hickory flood risks, storm coverage, and how to save on your Catawba County policy.
Car InsuranceComplete guide to Hickory auto insurance: new 50/100/50 minimums, average costs around $116/month, I-40 and US-321 driving conditions, and money-saving tips.
As of July 1, 2025, North Carolina requires minimum liability coverage of 50/100/50, which means $50,000 per person for bodily injury, $100,000 per accident for bodily injury, and $50,000 for property damage. This is an increase from the previous 30/60/25 minimums that had been in place since 1958. The increase adds only about $44 per year to most policies.
Flood insurance is not legally required by the state, but your mortgage lender may require it if your home is in a designated flood zone. In Hickory, only 980 out of 12,417 homes face moderate flood risk, so many properties don't require it. However, it's worth checking the North Carolina Flood Risk Information System to see your specific flood zone, especially if you live near Lake Hickory or the Catawba River.
Full coverage car insurance in Hickory typically costs around $147-164 per month, which is below the national average. Minimum coverage runs about $50 per month with cheaper carriers like State Farm or Progressive. North Carolina drivers pay about 32% less than the national average for full coverage—around $1,831 annually versus $2,697 nationally.
Hickory has significantly lower disaster risk scores than coastal cities because it's inland and protected from hurricane storm surge and severe coastal weather. While Hickory can experience wind, hail, and some flooding, the risk is much lower than cities like Wilmington or Jacksonville. This lower risk translates directly to lower insurance premiums for homeowners.
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