Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
Best Cities for Cheap Car Insurance in North Carolina
| City | Premium | Percent Increase |
| Asheville | $566 | 0.0% |
| Hendersonville | $567 | 0.1% |
| Chapel Hill | $597 | 5.5% |
| Burlington | $601 | 6.1% |
| New Bern | $622 | 9.8% |
| High Point | $632 | 11.6% |
| Winston Salem | $641 | 13.1% |
| Lexington | $656 | 15.8% |
| Apex | $656 | 15.8% |
| Cary | $662 | 16.9% |
| Rocky Mount | $663 | 17.1% |
| Statesville | $663 | 17.1% |
| Durham | $666 | 17.5% |
| Hickory | $667 | 17.8% |
| Mooresville | $676 | 19.3% |
| Greensboro | $685 | 20.9% |
| Jacksonville | $706 | 24.7% |
| Greenville | $711 | 25.5% |
| Goldsboro | $715 | 26.3% |
| Sanford | $717 | 26.6% |
| Salisbury | $743 | 31.2% |
| Wilmington | $745 | 31.6% |
| Wilson | $761 | 34.3% |
| Concord | $763 | 34.7% |
| Raleigh | $767 | 35.4% |
| Monroe | $775 | 36.8% |
| Matthews | $782 | 38.0% |
| Charlotte | $828 | 46.2% |
| Fayetteville | $843 | 48.8% |
| Gastonia | $847 | 49.6% |
Factors That Affect Car Insurance Premiums in North Carolina
Although mature drivers pay less for car indemnity than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year. 
Cheapest Car Insurance in North Carolina
5 Tips for How to Get Cheap Car Insurance in North Carolina
1. Compare quotes from both national and regional insurers
In North Carolina, regional insurers like Erie Insurance, Alfa Insurance, and North Carolina Farm Bureau might have lower rates than national companies like State Farm, Geico, and Nationwide and have comparable customer satisfaction ratings.
2. Know the factors affecting insurance in North Carolina
Everyone knows that your driving habits and
3. Maintain coverage
You’ll see higher rates if you let your insurance lapse, even
4. Choose the coverage that is right for you
You need
5. Search for discounts
Top car insurance companies in North Carolina have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
Methodology
In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
| Category | All Profile Characteristics | Good Driver Profile |
| Gender | Male, Female | Male |
| Age | 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 | 45 |
| Marital Status | Single, Married | Single |
| Teenage Driver Included on Policy | No, Yes | No |
| Driving Record | Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident | Clean |
| Miles Driven Per Year | 7,500 Miles, 15,000 Miles, 20,000 Miles | 15,000 Miles |
| Coverage Level | Minimum, Standard, Full | Minimum |
| Discounts | None, Multi-Policy, Homeowner, Student | None |
| Credit Level | Poor, Good | Good |
| Filings | None, SR22, FR44 | None |
| Car | Sedan, Minivan, SUV, Coupe, Truck | Sedan |
Below are additional details regarding the terminology and specific characteristics of the variables in the above table:
- Minimum Coverage: Coverage requirements of $30,000 in bodily injury liability per person, $60,000 per accident, and $25,000 in property damage liability, as well as $30,000 in uninsured motorist coverage per person, $60,000 per accident, and $25,000 uninsured motorist property damage coverage per accident, as required by North Carolina’s minimum coverage requirements.
- Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage and 50k/100k/25k of uninsured motorist coverage.
- Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, and collision and comprehensive coverage with a $500 deductible.
- Sedan: 2018 Toyota Camry.
- Minivan: 2018 Dodge Grand Caravan.
- SUV: 2018 Toyota RAV4.
- Coupe: 2018 Ford Mustang.
- Truck: 2018 Ford F-150.
Where driver profiles are not specified, WalletHub averaged North Carolina insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
WalletHub ’ s analysis of cheap car indemnity companies in North Carolina is based on data from the North Carolina DMV and Quadrant Information Services. in concert with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest cable car insurance companies for North Carolina drivers in a solicitation of key categories. For each visibility, WalletHub compared quotes among clear North Carolina cable car policy companies by averaging premiums from 37 energy codes that represent at least 20 % of North Carolina ‘s population. Military-specific companies like USAA were lone considered for the military-specific class, due to their eligibility restrictions. In some cases, they may even be the best choice overall for eligible drivers.In the table below, you can see all of the visibility characteristics that were used in WalletHub ’ sulfur analysis, in addition to the specific subset of characteristics that make up our good Driver profile.Below are extra details regarding the terminology and specific characteristics of the variables in the above table : Where driver profiles are not specified, WalletHub averaged North Carolina policy quotes across 40 different driver profiles, using the above variables. Quote data is from Quadrant Information Services and is representative only. individual rates will be different.
In North Carolina, regional insurers like Erie Insurance, Alfa Insurance, and North Carolina Farm Bureau might have lower rates than home companies like State Farm, Geico, and Nationwide and have comparable customer satisfaction ratings.Everyone knows that your driving habits and claims history affect how much you pay for car policy. But in North Carolina, companies can besides consider your driving feel, accredit history, and marital status when setting premiums. The car you drive, your annual mileage, and even some factors beyond your control all impact the price of insurance.You ’ ll see higher rates if you let your policy relapse, evening if you don ’ metric ton own a car. North Carolina drivers who don ’ metric ton maintain continuous coverage pay an average of 6 % more than those with five or more years of policy history.You need liability insurance to pay for the early driver ’ randomness damages if you ’ re at fault in an accident in North Carolina. Collision and comprehensive coverage, on the early pass, are optional and may be unnecessary if you own an older car. Usage-based insurance might be a better paroxysm than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, besides. Don ’ deoxythymidine monophosphate scrimp on the coverage you need, but do make inform choices. That way, you won ’ t end up paying for more car indemnity than you need.Top car insurance companies in North Carolina have a variety of discounts, so about anyone can find ways to save. You may be able to get a rebate if you ’ re a scholar, veteran, good driver, homeowner, will to go paperless, and more .