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OTHER POLICIES OFFERED
- Condo
- Snowmobile
- Segue
- Golf cart
STANDOUT DISCOUNTS AVAILABLE
- Continuous insurance
- Snapshot
- PerkShare discounts
- Sign online
* Data provided by Bankrate.com.
** J.D. might 2021 Auto Insurance Satisfaction Study rate for the Southeast region. Based on a 1,000-point scale.
The Average Cost of Car Insurance in North Carolina
According to 2021 data from Bankrate.com, the average cost of car insurance in North Carolina is $ 413 per year for minimum coverage and $ 1,325 per year for wide coverage. For comparison, the national average costs are $ 565 per year for minimal coverage and $ 1,674 per year for broad coverage. While the price was considered in choosing our top companies, we besides analyzed coverage options, discounts, policy features, and third-party scores.
Top 3 Cheapest Car Insurance Companies in North Carolina
| Company | Average Annual Full Coverage Premium* |
| Geico | $835 |
| State Farm | $958 |
| North Carolina Farm Bureau | $1,107 |
* Data provided by Bankrate.com
Top 3 Most Expensive Car Insurance Companies in North Carolina
| Company | Average Annual Full Coverage Premium* |
| Allstate | $1,633 |
| Progressive | $1,630 |
| Nationwide | $1,374 |
* Data provided by Bankrate.com
Top 3 Cheapest Cities for Car Insurance in North Carolina
| City | Average Annual Full Coverage Premium* |
| Weaverville | $1,130 |
| Alexander | $1,132 |
| Swannanoa | $1,133 |
* Data provided by Bankrate.com
Top 3 Most Expensive Cities for Car Insurance in North Carolina
| City | Average Annual Full Coverage Premium* |
| Evergreen | $1,572 |
| Tar Heel | $1,567 |
| Tabor City | $1,567 |
* Data provided by Bankrate.com
Key Things to Know About Car Insurance in North Carolina
North Carolina requires all drivers with a valid in-state adjustment to carry car indemnity from a company licensed in the department of state. Out-of-state policies don ’ thyroxine meet this requirement. policy companies must report cancel policies or coverage lapses to the state ’ south Division of Motor Vehicles, at which fourth dimension a driver must provide proof of newly indemnity. failure to carry the proper policy can result in fees and revocation of fomite license plates .
North Carolina Car Insurance Requirements
North Carolina jurisprudence requires all drivers to carry both bodily injury and property damage indebtedness policy, deoxyadenosine monophosphate well as uninsured and underinsured motorist coverage. The state minimal coverage in North Carolina is :
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $30,000 uninsured motorist bodily injury per person
- $60,000 uninsured motorist bodily injury per accident
- $25,000 uninsured motorist property damage per accident
- $30,000 underinsured motorist bodily injury per person
- $60,000 underinsured motorist bodily injury per accident
To drive legally, you must have a policy with at least these limits. Most policy agents recommend that you buy higher indebtedness limits for more fiscal security.
Car Insurance Coverage Options
In addition to the standard coverage offerings, there are a few optional coverages that you might want to consider adding to your policy :
- Roadside assistance: Roadside assistance is an optional coverage add-on that most companies offer. It provides on-demand service for tire changes, tow services, and more.
- Gap coverage: Many people have a loan or lease on their vehicle. Gap coverage may be available from some insurers for newer model vehicles and protects you in case you total your car and the amount left on the loan or lease exceeds what the car is worth.
- Rental reimbursement: This optional coverage pays for the cost of a rental car, up to your policy limits, when your vehicle is damaged in a covered accident.
- Accident forgiveness: Insurance premiums typically increase after an accident, but optional accident forgiveness coverage helps prevent your rate from increasing after your first accident.
Frequently Asked Questions
How do I find the best car insurance company?
The best car indemnity company for you will depend on your likes, wants, needs, and unique situation. Understanding the coverages you need, features you want, and budget could help you choose companies to approach for quotes. Getting several quotes could allow you to compare and find the right option for you .
How do I save on my North Carolina car insurance?
North Carolina ’ sulfur average rates are lower than the national average, but you may be able to get a bum policy by utilizing a few different strategies. First, shopping around can help you get a lower pace, since different companies offer unlike prices. future, assume advantage of discounts that you qualify for, which can lower your agio. ultimately, maintain a clean drive record. You ’ ll normally notice an increase on your policy when you have an accident, slate, or DUI conviction, so keeping a clean criminal record can help you avoid those increases .
What factors impact my car insurance rates in North Carolina?
car indemnity rates are driven by a number of military rank factors. Your age, ZIP code, driving history, credit rat, type of vehicle, coverage choices, and the cable car indemnity company you choose will all impact how much you pay for coverage. In many states, your gender will besides affect your premiums, but North Carolina bans the use of sex as a rat factor .
Methodology
Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best cable car insurance companies, our editorial team compared affordability, customer digest, coverage options, customer satisfaction scores and on-line resources from each ship’s company to determine top providers. As for average price, we used Bankrate.com ’ s data of car policy in North Carolina, based on the profiles of a 40-year male and female. For full coverage, the details used were the follow :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimal coverage limits, Bankrate used minimum coverage that meets each state ’ south requirements. Our base profile drivers own a 2019 Toyota Camry, change five days a week, and drive 12,000 miles per annum. These are sample distribution rates and should only be used for relative purposes.
About the Authors
Cate Deventer Insurance Editor Cate Deventer is a writer and licensed indemnity agent. She has a Bachelor ’ s degree in theater and is presently pursuing a degree in English with a assiduity in professional and technical writing from Indiana University East. Her work has been featured on Reviews.com and Bankrate.com, and she ’ randomness passionate about helping people take agitate of their finances. In her dislodge time, she likes to read thrillers and sci-fi novels, garden, and toss tennis balls for her frank .