Cheap Car Insurance in North Carolina

Cheap Car Insurance in North Carolina

It is mandatory to get car insurance in North Carolina for drivers to drive legally in the state. Different companies in North Carolina provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in North Carolina:

Name of the Company Average annual car insurance premiums
NC Farm Bureau $857
Auto-Owners $866
GEICO $890
Utica National $895
Travelers $923
Erie $933
State Farm $945
Titan $1028
MetLife $1033
GMAC Insurance Group $1046
Safeco $1060
Metropolitan $1206
Penn National $1231
Progressive $1233
Unitrin $1279
Encompass $1363
Allied $1437
Allstate $1545
Nationwide $1575

Cheap car insurance in North Carolina for good drivers 

Car insurance companies may charge high car insurance premiums from drivers in North Carolina with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in North Carolina provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in North Carolina by maintaining a good driving record. Most auto insurance companies in North Carolina provide a 5-10% good driver discount to those having a good driving history without violations.

  • Drivers with no traffic ticket may save $428 on car insurance premiums in North Carolina.
  •  Drivers may save $447 on car insurance premiums if they have an accident-free record in North Carolina.
  •  By maintaining a good credit history you may save $153 on car insurance premiums in North Carolina

Cheap car insurance for inexperienced drivers in North Carolina

Most auto insurance providers may charge high auto insurance premiums in North Carolina from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers.  Auto insurance premiums in North Carolina vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in North Carolina. 

Age Average annual auto insurance premiums with parents Average annual auto insurance premiums for young drivers alone
16 $4042 $2655
17 $3207 $2068
18 $2992 $1820
19 $2992 $931

Affordable auto insurance in North Carolina for high-risk drivers

Car insurance companies in North Carolina charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in North Carolina can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in North Carolina may get discounts on car insurance policies.

Rating factor Average annual car insurance premium
At-Fault Accident $1307
DUI $1663
Speeding Violation $1287
Bad Credit $1010

Best car insurance companies in North Carolina

Car insurance prices in North Carolina may vary from company to company. Some companies in North Carolina charge lower car insurance premiums than others. To get the best auto insurance policy in North Carolina you should check the reputation and services of the insurance companies because finding an affordable car insurance policy is not just enough. You can find the best auto insurance company in North Carolina by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in North Carolina:

  1. Allstate
  2. Auto-Owners
  3. Erie
  4. GEICO
  5. Liberty Mutual
  6. MetLife
  7. Nationwide
  8. Peerless
  9. Penn National
  10. Progressive
  11. Safeco
  12. State Farm
  13. Travelers
  14. Unitrin
  15. Utica National

What auto insurance coverage is mandatory to purchase for drivers in North Carolina?

The average annual cost to get the minimum required coverage in North Carolina may be around $433.  The minimum required coverage for drivers in North Carolina to drive legally in the state is:

Coverage type Coverage limit
Bodily injury coverage per person $30000
Bodily injury per accident $60000
Property damage per accident $25000

 The state minimum auto insurance requirements in North Carolina

The state minimum auto insurance coverage requirement in North Carolina is liability coverage.

  1. $30000 bodily injury coverage per person is required in North Carolina.
  2. $60000 bodily injury coverage per accident is required in North Carolina.
  3. $25000 property damage coverage per accident is required in North Carolina.

Other types of optional coverages in North Carolina are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Loan/Lease Payoff
  5. Rental Car Reimbursement
  6. Medical Payments

Fine for driving without car insurance in North Carolina

If anyone caught driving without a car insurance policy in North Carolina then police may charge a fine.

Car insurance prices by cities in North Carolina

Car insurance premiums in North Carolina may vary from city to city. In some cities of North Carolina, car insurance prices are high compared to others.

City Average annual insurance premiums
Fayetteville $1193
Charlotte $1115
Gastonia $1065
Indian Trail $1033
Wilson $1024
Goldsboro $1008
Concord $999
Greenville $985
Rocky Mount $980
Salisbury $980
Kannapolis $980
Wilmington $977
Raleigh $957
Durham $956
Greensboro $950
High Point $949
Huntersville $938
Hickory $927
Burlington $873
Cary $860
Apex $859
Winston Salem $852
Chapel Hill $850
Asheville $825

If you are looking for a car insurance deal in North Carolina, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.

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