Looking for cheap car insurance in North Carolina?
Thanks to its largely rural population and state laws that create insurance caps, car insurance rates in North Carolina tend to be fairly affordable.Jacksonville, indemnity companies take different variables into account when calculating your rate. Location is fair one factor that goes into the equation, and every provider uses a different formula. So whether you live in Charlotte Greensboro or anywhere else in North Carolina, shopping about is the best direction to find a great rate. That ’ south where the insurance comparison and agent app Jerry comes in. Jerry saves you the fuss of calling up multiple providers by generating quotes from dozens of them in less than a minute. Once you make your choice, Jerry acts as your own personal broker—taking care of the switchover and even helping to cancel your old policy. Want proof ? hera are some quotes from real Jerry customers in North Carolina :
Use Jerry to compare the indemnity prices of up to 50+ carriers in only 45 seconds
How much does car insurance cost in North Carolina?
The average price of basic indebtedness car insurance in North Carolina is $ 1,683 per year. Opting for full-coverage car policy in North Carolina will leave you with an average cost of $ 1,835 per year .
How does the annual cost in North Carolina compare to the rest of the country?
In comparison, the national average is $ 1,627 per year to buy basic indebtedness car policy and $ 2,297 per year to buy full-coverage car policy. cable car indemnity international relations and security network ’ thymine very expensive in North Carolina, but there are some factors that keep it from being lower :
- High accident rates—the fifth-highest in the country based on 2019 data
- Severe weather that brings hurricanes and flooding to the state
- Moderate uninsured driver rate of about 10%
Here ’ s how the insurance savings with Jerry in North Carolina compare to nationally averages :
| Before Jerry All coverage | After Jerry All coverage | Before Jerry minimal coverage | After Jerry minimal coverage | Before Jerry Full coverage | After Jerry Full coverage | |
|---|---|---|---|---|---|---|
| NC | $2,271 | $1,419 | $2,427 | $1,426 | $2,297 | $1,482 |
| National Average | $2,435 | $1,660 | $2,309 | $1,383 | $2,658 | $1,974 |
| NC | National Average | |
| Before Jerry All coverage | $2,271 | $2,435 |
| After Jerry All coverage | $1,419 | $1,660 |
| Before Jerry minimum coverage | $2,427 | $2,309 |
| After Jerry minimum coverage | $1,426 | $1,383 |
| Before Jerry Full coverage | $2,297 | $2,658 |
| After Jerry Full coverage | $1,482 | $1,974 |
Use Jerry to compare the policy prices of up to 50+ carriers in alone 45 seconds
Top auto insurance providers in North Carolina
North Carolina has a healthy insurance landscape with lots of reputable providers to choose from. These include big names like State Farm Nationwide, and Allstate Choosing the properly insurance company can feel like a daunting job. Each company has its own room of calculating premiums, so you could end up with completely different rates from each company you inquire with—even for the same coverage. Some of the main factors that influence your final premium include your age, drive criminal record, location, and ( of course ! ) vehicle. If you drive a Mercedes-Benz G-class, for exemplar, you ’ re going to be paying a lot more for full-coverage insurance than you would for a Honda CR-V because more expensive cars cost more to insure. Jerry customers have found some capital deals with diverse indemnity companies in North Carolina. Take a attend : Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 seconds
What car insurance do you need in North Carolina
Most states have mandatary indemnity minimums that drivers have to meet before getting on the road. In North Carolina, you need at least the following :
| Coverage | Amount | Description |
|---|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident | Covers the costs associated with injuries you cause to others |
| Property damage liability | $25,000 per accident | Covers the costs associated with damage you cause to other people’s vehicles or property |
Driving without insurance is a definite no-no. If you get caught, penalties include :
- Fine of up to $150
- Suspension of license + reinstatement fee of $50
- Suspension of registration for 30 days
- Jail time or probation for up to 45 days
- Financial liability in the event of an accident
Legally speaking, you good need minimum indebtedness policy to drive, buying as much indemnity as you can afford is a commodity mind. here are some coverage options :
| Coverage | Description |
|---|---|
| Collision insurance | Covers damages that are the result of a collision with a vehicle or stationary object |
| Comprehensive insurance | Covers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster |
| Uninsured motorist coverage | Reimburses you for your expenses from an accident caused by an uninsured driver |
| Personal injury protection | Covers medical expenses, lost wages, and rehabilitation costs after an accident |
| Rental reimbursement | Reimburses you for your rental car expenses while your car is being repaired after a claimable accident |
once you ’ re fix to find a policy, Jerry can help. Jerry is a comparison shopping app and licensed policy agent that takes all the hard work out of shopping around for good rates. After compiling quotes from more than 50 policy providers like Travelers and Safeco, Jerry will handle all the paperwork and phone calls to finalize your new policy. immediately that you know what character of insurance you need, let ’ s break down the factors that impact the cost .
How is your cost of car insurance determined in North Carolina?
many factors contribute to your final examination indemnity rate, but the main ones include your age, drive record, localization, and vehicle type .
Cost to insure your car in North Carolina by age
Insurers value experience. The younger you are, the less experience you have—and this is reflected in high policy premiums for drivers under the age of 25.
What young drivers in North Carolina need to know
- North Carolina has a graduated licensing program and mandates that young drivers complete an approved driver’s education course
- Demonstrating safe driving habits using a telematics device can help young drivers secure lower rates
- Maintaining a good average can qualify student drivers for a good student discount
If you ’ re a young driver, don ’ thyroxine despair. While you ’ re unlikely to find the same depleted premiums as your parents ’, shopping around and maintaining a clean driving criminal record can help you secure the lowest rates you ’ re eligible for. No topic your senesce, comparison shopping with Jerry is the best space to start. here are the average rates for drivers by age :
| Age Group | average cost | annual Savings with Jerry |
|---|---|---|
| 18-20 | $2,723 | $1,033 |
| 21-24 | $2,708 | $1,023 |
| 25-34 | $2,445 | $937 |
| 35-44 | $2,357 | $919 |
| 45-54 | $2,185 | $866 |
| 55-64 | $2,234 | $938 |
| 65+ | $2,113 | $823 |
Use Jerry to compare the policy prices of up to 50+ carriers in merely 45 seconds
Cost to insure your car in North Carolina with a poor driving record
Insurers besides value low-risk drivers and reward them with lower premiums. If your drive criminal record is spotty and includes things like speeding tickets, accidents, and offenses like foolhardy drive, you should expect high North Carolina cable car insurance rates for at least three years. thus, can you save money on cable car insurance if you have driving violations ? You can—and using Jerry to compare rates and find the best share is where you should start. here ’ south fair a sample of the savings that Jerry customers with poor driving records have found :
| Driving Violation | average price | annual Savings with Jerry |
|---|---|---|
| Clean Record | $2,543 | $925 |
| Illegal Turn | $3,488 | $1,530 |
| Suspension | $3,161 | $1,422 |
| Careless Driving | $3,074 | $1,336 |
| Driving on Sus. License | $3,414 | $1,186 |
| DUI | $2,737 | $1,177 |
| Eluding Police | $3,499 | $1,169 |
| Speeding over 15 | $2,977 | $1,155 |
| Passing School Bus | $3,372 | $1,143 |
| Speeding under 15 | $2,943 | $1,091 |
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Cost to insure your car in North Carolina based on where you live
While about 10.5 million people call North Carolina home, about 40 % of the population lives in rural areas. The submit has a reasonably moo population density, though drivers in cities like Raleigh and Charlotte may pay more since urban centers have higher rates of accidents, thefts, and claims. North Carolina is a hot blot for dangerous weather like tropical storms, flood, and droughts. These weather events are becoming increasingly common and solution in fomite damage—and payouts from indemnity companies. If you live in an area affected by inclement weather, you may besides find above-average premiums. These are the crown 10 cheapest cities for car insurance in North Carolina :
Age Driving Record
| City | modal cost | annual Savings with Jerry |
|---|---|---|
| Cary | $2,295 | $895 |
| Charlotte | $2,524 | $952 |
| Concord | $2,626 | $888 |
| Durham | $2,636 | $1,015 |
| Fayetteville | $2,530 | $935 |
| Greensboro | $2,497 | $971 |
| Jacksonville | $2,359 | $925 |
| Raleigh | $2,378 | $965 |
Use Jerry to compare the policy prices of up to 50+ carriers in only 45 seconds
Cost to insure your car in North Carolina based on the type of car you drive
Ultimately, let ’ s spirit at how your car affects your insurance rate. Generally address, relatively inexpensive cars come with lower insurance premiums because they cost less to repair or replace if you ’ re in an accident. Driving less can besides save you money, since you ’ re less likely to make a claim. This means that if you drive an low-cost car like a Nissan Sentra or Ford Escape, you ’ ll likely give less for full-coverage policy than if you drive something costly, like an Acura TSX here ’ s what it costs to insure some popular makes and models with and without Jerry Use Jerry to compare the insurance prices of up to 50+ carriers in lone 45 seconds
How to save money on car insurance in North Carolina
While indemnity rates in the Tar Heel State are typically quite low-cost, saving a little more money is never a bad thing. here are some easy ways to do it .
Shop around for quotes
Comparison denounce is the best way to find a good manage on your car insurance—but it can be a royal trouble. Between on-line forms and follow-up sales calls, the savings don ’ thymine always feel worth it .save time and money on your car expenses, including insurance. All you need to do is sign up and answer a few simple questions. Then, Jerry finds you the best rates from 50+ insurers in your area, helps you make the switch to the policy of your choice, and even monitors your rates before renewal.Jerry is the super app that helps you, including insurance. All you need to do is sign up and answer a few simple questions. Then, Jerry finds you the best rates from 50+ insurers in your area, helps you make the switch to the policy of your choice, and even monitors your rates before renewal. The average Jerry customer saves $879 per year on car policy !
Look for discounts
About all indemnity companies offer discounts to drivers who meet sealed criteria. sometimes, you can even stack the discounts for some extra savings. here are some of the most democratic ones for drivers in North Carolina :
| Discount type | Who is eligible? |
|---|---|
| Safe driving discount | Most insurers offer an automatic 5% (or so) discount if you agree to share certain information with them through an app or telematics device. Once they assess your habits, you can see additional savings of up to 30% for good driving. |
| Good driving discount | If you have a clean record with no at-fault accidents and no moving violations, most car insurance companies will reward you with a discounted premium. |
| Multi-line discount | By insuring multiple products with the same insurer, you can usually save up to 12% on each. Possible bundles include auto, home, renter’s, condo, life, and health insurance. |
| Safety feature discount | Cars with safety features like multiple airbags and anti-lock brakes may be eligible for sayings of up to 30%, depending on the insurer. |
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Increase your deductible
Increasing your deductible will reduce the cost of your annual car indemnity. But it ’ s not always a responsible thing to do.
Your deductible is the sum you pay out of pocket for a claim before your insurance party covers the perch. You should merely increase it if you can afford to pay the deductible in full each time you have to make a claim.
Registering your car in North Carolina
To register a cable car in North Carolina, bring the following to the DMV :
- Valid driver’s license or ID card
- Proof of insurance
- Proof of sales tax payment
- Car title or signed lease agreement
- Smog check certificate
- Safety inspection certificate
In North Carolina, you must renew your fomite registration annually. You can do it online, by mail, or in person at a DMV agency .