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:
- Allstate
- Auto-Owners
- Erie
- GEICO
- Liberty Mutual
- MetLife
- Nationwide
- Peerless
- Penn National
- Progressive
- Safeco
- State Farm
- Travelers
- Unitrin
- 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.
- $30000 bodily injury coverage per person is required in North Carolina.
- $60000 bodily injury coverage per accident is required in North Carolina.
- $25000 property damage coverage per accident is required in North Carolina.
Other types of optional coverages in North Carolina are:
- Comprehensive
- Collision
- Roadside Assistance
- Loan/Lease Payoff
- Rental Car Reimbursement
- 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.
