Best Car Insurance in North Carolina for 2025 [10 Standout Companies]
Geico, State Farm, and Progressive are the top providers of the best car insurance in North Carolina, with rates as low as $18/month. Geico stands out for its accident forgiveness program. State Farm, with its vast network of expert local agents, and Progressive offers affordable rates for high-risk drivers.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Feb 12, 2025
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Company Facts
Full Coverage in North Carolina
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage in North Carolina
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage in North Carolina
A.M. Best Rating
Complaint Level
Pros & Cons
When finding for the best car insurance in North Carolina drivers should take advantage of affordable rates and comprehensive discounts. Geico, State Farm, and Progressive offer incredible selction for NC auto insurance.
With Geico offering 25% bundling discounts and cheap price for full coverage. State Farm stands out with its broad local agents, and Progressive gives flexible options to find the best policy for you.
Our Top 10 Company Picks: Best Car Insurance in North Carolina
Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 25% | A++ | National Coverage | Geico | |
#2 | 17% | B | Local Agents | State Farm | |
#3 | 10% | A+ | Competitive Rates | Progressive | |
#4 | 25% | A+ | Drivewise Program | Allstate | |
#5 | 25% | A | Accident Forgiveness | Liberty Mutual | |
#6 | 10% | A++ | Military Benefits | USAA | |
#7 | 20% | A | Personalized Service | Farmers | |
#8 | 20% | A+ | Bundling Discounts | Nationwide | |
#9 | 13% | A++ | Green Coverage | Travelers | |
#10 | 25% | A | Customizable Policies | American Family |
Protect your vehicle from whatever the road throws at it by entering your ZIP code into our free comparison tool to see affordable car insurance quotes.
- The best car insurance in North Carolina offers tailored coverage for different drivers
- Discounts and bundling options help lower costs for North Carolina drivers
- Geico is a top pick for affordability, with rates starting at $18/month
#1 – Geico: Top Overall Pick
Pros
- Low-Cost Coverage Prices: Continuously provides some of the lowest rates for NC residents, making them a top choice for policyholders searching for cheap car insurance.
- Strong National Coverage: Geico’s extensive network covers all 50 states, so NC drivers who frequently travel or relocate can rely on it.
- Significant Bundling Discount: Motorists in NC can save up to 25% by bundling multiple policies. To gather additional information, please read our Geico car insurance review.
Cons
- Limited Local Agents: Unlike other RI car insurance companies, Geico relies heavily on online and phone-based service, which may not appeal to NC drivers who prefer in-person support.
- Potentially Higher Rates for High-Risk Drivers: NC drivers with tickets or accidents might experience expensive rates from companies specializing in high-risk policies.
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#2 – State Farm: Best for Local Agents
Pros
- Best for Agent Personal Service: State Farm offers an enormous local network of agents for North Carolina drivers who prefer personalized face-to-face service.
- Solid Customer Satisfaction Ratings: Consistently ranks high for claims handling and policyholder support, making it one of NC’s best car insurance choices.
- Decent Discounts for Bundling: NC residents who bundle home and auto policies can save up to 17%. Please review our State Farm car insurance review for additional information.
Cons
- Slightly Higher Premiums: State Farm’s rates can be higher than Geico or Progressive, especially for young drivers in North Carolina.
- Low Ratings in Financial Stability: With a B rating from A.M. Best, its financial stability isn’t as strong as some competitors offering the best car insurance in NC.
#3 – Progressive: Best for Competitive Rates
Pros
- Competitive Premium Prices: Progressive offers some of the most affordable rates, particularly for high-risk drivers in North Carolina.
- Strong Digital Tools: The Name Your Price® tool and Snapshot® program help NC motorists find customized pricing based on their driving habits.
- Wide Range of Discounts: NC residents can save through bundling, safe driving, and homeowner discounts. Dive into our Progressive car insurance review for further insights
Cons
- Lower Customer Satisfaction Ratings: Some North Carolina policyholders report issues with claims handling and unexpected rate increases.
- Smaller Bundling Discount: At only 10%, its bundling discount is lower than other companies offering the best car insurance in North Carolina.
#4 – Allstate: Best for Drivewise Program
Pros
- Drivewise Program Rewards Safe Driving: North Carolina drivers can save by enrolling in Allstate’s telematics program, which rewards good driving habits.
- Strong Bundling Discounts: NC drivers can bundle automobile and home insurance and save up to 25% discount.
- Various Policy Options: This policy provides accident forgiveness as well as deductible rewards and is quite a strong option for North Carolina motorists looking for extra protection.
Cons
- Higher Premiums: North Carolina drivers may find Allstate’s rates higher than those of Geico and Progressive.
- Not-so-Reliable Claims Process: Some NC policyholders report inconsistent claims handling. Refer to our Allstate car insurance review for additional details.
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#5 – Liberty Mutual: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Helps North Carolina motorists avoid premium increases after their first accident.
- Customizable Policies: NC drivers can tailor policies to their specific coverage needs. Get additional information from our Liberty Mutual car insurance review.
- Substantial Bundling Discounts: Offers up to 25% off when North Carolina residents bundle multiple policies.
Cons
- Rates Can Be High Without Discounts: NC drivers who do not qualify for discounts are often subjected to higher premium coverage rates.
- Significant Claims Process Complaints: Some North Carolina resident drivers report slow-paced claims handling.
#6 – USAA: Best for Military Benefits
Pros
- Special Benefits for Military: USAA offers some of the best car insurance in North Carolina for active-duty military veterans and their families.
- Highly Rated Customer Service: Consistently receives top marks for claims satisfaction among military families in NC.
- Discounts for Military Members: This includes savings for garaging vehicles on military bases and low-mileage driving, which is beneficial for North Carolina service members.
Cons
- Limited Eligibility for Non-Military Affiliates: Only available to military personnel, veterans, and their families. Look into our USAA car insurance review for more details.
- No Physical Branches for Assistance: North Carolina military families may rely on online or phone-based service.
#7 – Farmers: Best for Personalized Service
Pros
- Excellent Local Agent Network: Provides highly personalized service, ideal for NC drivers who prefer one-on-one support.
- Customizable Coverage Options: North Carolina residents can tailor policies to meet their needs. Take a closer look at our Farmers car insurance review for further details.
- Generous Bundling Discount: Up to 20% off for North Carolina policyholders bundling home and auto insurance.
Cons
- Higher Premiums Prices: These can be more expensive than other car insurance options in North Carolina.
- Limited Online Tools: NC drivers may find Farmers’ digital experience less advanced than that of competitors.
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#8 – Nationwide: Best for Bundling Discounts
Pros
- Substantial Bundling Discounts: Up to 20% off for North Carolina drivers bundling auto and home insurance.
- Vanishing Deductible Feature: Rewards safe drivers in North Carolina by reducing deductibles over time.
- Wide Range of Policy Options: Includes roadside assistance, rental car reimbursement, and accident forgiveness for NC motorists.
Cons
- Limited Availability in Some States: North Carolina residents should confirm coverage options before signing up.
- Higher Premiums for Some Drivers: Young drivers in NC may find better rates with Geico or Progressive. Seek more information by reading our Nationwide car insurance review.
#9 – Travelers: Best for Green Coverage
Pros
- Eco-Friendly Insurance Options: Provides discounts for North Carolina motorists with hybrid or electric vehicles.
- Good Coverage Options: Includes accident forgiveness and new car replacements for North Carolina drivers.
- Competitive Pricing for Safe Drivers: Rewards NC policyholders with clean driving records.
Cons
- Fewer Local Agents: North Carolina drivers may rely on online or phone support.
- Discounts Aren’t as high as Competitors: Bundling discount is only 13%. For extra details, check our Travelers car insurance review.
#10 – American Family: Best for Customizable Policies
Pros
- Highly Customizable Policies: North Carolina motorists can choose from add-ons, including gap insurance and accident forgiveness.
- Substantial Bundling Discount: Provides up to 25% savings when NC residents bundle policies.
- Local Agent Support: Offers in-person assistance for North Carolina policyholders. To learn more, consult our American Family car insurance review.
Cons
- Limited Availability in Few Cities: Not available in all states, including some parts of NC.
- Higher Rates for Some Drivers: Young drivers in NC may find cheaper options elsewhere
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North Carolina Car Insurance Monthly Rates by Provider & Coverage Level
Evaluating what you need to know when buying a car includes finding a policy that balances affordability with quality protection. Choosing the right car insurance in North Carolina is essential for securing the best coverage and savings.
North Carolina Car Insurance Monthly Rates by Provider & Coverage Level
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
$72 | $169 | |
$35 | $82 | |
$42 | $99 | |
$29 | $69 | |
$35 | $82 | |
$47 | $111 | |
$13 | $32 | |
$32 | $77 | |
$42 | $99 | |
$18 | $44 |
Whether you’re looking for car insurance companies in NC with a strong national reputation, local agent support, or competitive pricing, comparing options can help you secure the best car insurance in North Carolina for your budget and driving habits
Lower Your Rates with Car Insurance Discounts in North Carolina
Finding the best car insurance in North Carolina isn’t just about the cheapest policy—it’s about the best coverage for your needs. Compare car insurance quotes in North Carolina by shopping around, asking questions, and checking for discounts like bundling, safe driving programs, and anti-theft savings.
Car Insurance Discounts From the Top Providers in North Carolina
Insurance Company | Available Discounts |
---|---|
Drivewise, Multi-Policy (Bundling), Early Signing, Good Student, Safe Driving Club, Anti-Theft, FullPay, Responsible Payer | |
KnowYourDrive, Multi-Policy (Bundling), Loyalty, Low Mileage, Good Student, Early Bird, Generational, Defensive Driving | |
Signal, Good Student, Multi-Policy (Bundling), Homeowner, Alternative Fuel, Anti-Theft, Affinity, Responsible Driver | |
Good Driver, Military, Multi-Vehicle, Bundling, Anti-Theft, Good Student, Defensive Driving, Emergency Deployment | |
Multi-Policy (Bundling), New Vehicle, Good Student, Safe Driver, Multi-Car, Vehicle Safety, Paperless, Early Shopper | |
SmartRide, Multi-Policy (Bundling), Multi-Vehicle, Accident-Free, Good Student, Paperless, Safe Driver, Defensive Driving | |
Snapshot, Multi-Policy (Bundling), Multi-Vehicle, Homeowner, Good Student, Sign Online, Continuous Insurance, Defensive Driving | |
Safe Driver, Multi-Policy (Bundling), Good Student, Drive Safe & Save, Accident-Free, Vehicle Safety, Defensive Driving | |
IntelliDrive, Multi-Policy (Bundling), Multi-Car, Safe Driver, Homeowner, Good Student, New Car, Hybrid/Electric Vehicle | |
Safe Driver, Multi-Policy (Bundling), New Vehicle, Military, Good Student, Defensive Driving, Low Mileage, Storage Discount |
Top insurers offer discounts for safe drivers, students, and multi-policy holders. Use the Department of Insurance’s tools to verify licensed providers and avoid scams. Also, follow safe driving tips to stay accident-free and qualify for even lower rates.
Minimum Coverage Requirements in North Carolina
To legally drive, North Carolina requires minimum liability coverage of 30/60/25 and matching uninsured/underinsured motorist coverage. These cover damages to others if you’re at fault, but they don’t cover your own vehicle.
Minimum Coverage Insurance Requirements in North Carolina
Coverage | Limits |
---|---|
Bodily Injury Liability | $30,000 per person $60,000 per accident |
Property Damage Liability | $25,000 per accident |
Uninsured Motorist Bodily Injury | $30,000 per person $60,000 per accident |
While North Carolina car insurance companies offer extra protection like collision and comprehensive, they aren’t required. The state follows an at-fault system, not no-fault, so choosing the best car insurance in North Carolina ensures better financial protection.
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Additional North Carolina Auto Insurance Coverage Requirements
In North Carolina, you can prove financial responsibility with a Certificate of Self-Insurance if you meet specific criteria, like having at least 26 vehicles. Alternatively, you can use a surety bond or security deposit, but these options are generally more expensive than traditional policies.
Additional Coverage Requirements in North Carolina
Coverage Type | Description | Requirement |
---|---|---|
Liability | Covers injuries and property damage | Minimum limits: $30k, $60k, $25k |
Uninsured Motorist | Protects against uninsured driver accidents | Recommended, but not mandatory coverage |
Medical Payments | Covers medical expenses for passengers | Optional; limits can vary widely |
Collision | Covers vehicle damage in accidents | Optional; often required by lenders |
Comprehensive | Covers non-collision vehicle damages | Optional; required by lenders if financed |
Personal Injury Protection (PIP) | Covers medical costs and wages | Not required; available as an option |
While the state requires minimum liability coverage, additional protections like collision and comprehensive are optional. If you choose these, keep in mind that you can’t pay your deductible if the coverage doesn’t apply in certain situations, and these options help protect you in more cases.
Proof of Auto Insurance in North Carolina
In North Carolina, you must carry proof of coverage, whether it’s through North Carolina auto insurance companies or an approved alternative. This proof can be an insurance card, self-insurance certificate, certificate of deposit, or surety bond, each containing specific details.
Choosing the right auto insurance in North Carolina is about finding a provider that meets your state requirements and offers coverage that fits your driving habits and budget.Daniel Walker Licensed Insurance Agent
For drivers involved in an accident, an accident guide can help clarify what to do next. Make sure you keep the required documents on hand to avoid penalties and ensure you meet state requirements.
Steps to Get a Driver’s License in North Carolina
Here are the requirements to obtain your Limited Learner Permit:
- Be between 15 and 18 years old
- Complete a driver education course
- Have a Driving Eligibility Certificate or a high school diploma or equivalent
- Pass the vision test
- Pass the written test and signs test
- Pay the limited learner permit fee of $15.00 (subject to change)
- Cash, money order, or personal check
Here are the requirements to obtain your Limited Provisional License:
- Be between 16 and 18 years old
- Have your learner permit for at least 12 months
- Have no convictions of moving violations within 6 months of applying
- Pay the limited provisional license fee of $15.00 (subject to change)
- Cash, money order, or personal check
Here are the requirements to obtain your Full Provisional License:
- Be between 16 ½ and 18 years old
- Have your limited provisional license for at least 6 months
- Have no convictions of moving violations within 6 months of applying
- Pay the full provisional license fee of $4.00/yr (subject to change)
- Cash, money order, or personal check
The following documents are required for application if you are under the age of 18:
- Original birth certificate
- Original social security card
- Driving Eligibility Certificate or a high school diploma or equivalent
Here are the requirements to obtain your first Driver License if you are over the age of 18:
- Pass the vision test
- Pass the written test and signs test
- Pass the driving test
- You have the option to obtain a learner permit, which will allow you to practice and learn how to drive prior to taking the driving test. To obtain a learner permit, pass the vision, signs, and written tests. (For more information, read our “Learner’s Permit Insurance Coverage “).
- Pay the driver license fee of $4.00/yr (subject to change)
- Cash, money order, or personal check
The following documents are required for application if you are over the age of 18:
- One document showing proof of residency
- Two documents showing proof of age and identity
- One document showing proof of financial responsibility
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A Guide to Complete Driver’s Education in NC
In North Carolina, high school students under 18 must complete driver education to get a license. The course takes 30 hours of classroom instruction, a vision test, and behind-the-wheel training, ending with a Driving Eligibility Certificate.
New drivers should review the North Carolina auto insurance guide to understand coverage options. Knowing what car insurance brokers do can help find the best car insurance in North Carolina at the best rates.
Rules of the Road in North Carolina
North Carolina Department of Transportation provides an online overview of their rules of the road. You can also read about all of North Carolina’s traffic laws in the Motor.
There are three coverage markets that residents of North Carolina typically fall into: the preferred, the standard, and the non-standard market.
Those in the preferred market have the lowest rates in North Carolina because they have a clean driving record. They may also have a good credit score, live in relatively safe areas, and have other markers of low risk.
Those in the standard market still have some of the best rates in North Carolina because they have fair driving records, though their rates may not be as low as the preferred market rates. Again, many factors go into insurance and determining who is eligible for the lowest rates.
Those in the non-standard market pay significantly more than the average cost of coverage in North Carolina because they have less experience and/or driving records with multiple infractions, including traffic tickets, accidents, and drunken driving offenses.
Factors Influencing Car Insurance Rates in North Carolina
Age, gender, marital status, vehicle type, and location influence North Carolina auto insurance rates. Younger drivers, high-risk vehicles, or those with poor driving records typically pay more, while married individuals and safe drivers may receive lower rates.
Other factors that affect car insurance include credit history, vehicle use, and claims history. Drivers with good records and lower-risk vehicles can access better rates, while those in high-risk areas or with a history of accidents may face higher premiums.
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Car Insurance Rates in North Carolina by Age, Gender & Coverage Level
North Carolina auto insurance rates vary based on age, gender, and coverage level. Young drivers, especially males, tend to face higher premiums, while rates decrease as drivers age. For those seeking the best car insurance in North Carolina, shopping around can help find the cheapest car insurance companies offering competitive rates based on individual needs.
Car Insurance Monthly Rates in North Carolina by Age, Gender & Coverage Level
Age & Gender | Minimum Coverage | Full Coverage |
---|---|---|
18-Year-Old Female | $161 | $380 |
18-Year-Old Male | $190 | $398 |
25-Year-Old Female | $62 | $146 |
25-Year-Old Male | $63 | $150 |
30-Year-Old Female | $57 | $136 |
30-Year-Old Male | $59 | $139 |
45-Year-Old Female | $56 | $131 |
45-Year-Old Male | $55 | $131 |
65-Year-Old Female | $55 | $136 |
65-Year-Old Male | $54 | $135 |
For example, a 25-year-old female may pay significantly less for full coverage than an 18-year-old male. As drivers age, the cost of coverage generally lowers, making it easier to find affordable options while maintaining the right protection for your needs.
Best Car Insurance Rates in North Carolina by Your Car’s Make, Vehicle and Year
Your vehicle’s make, model, and year significantly affect the cost of auto insurance in NC. For example, luxury cars like the 2020 BMW X5 or the 2020 Cadillac Escalade tend to have higher monthly premiums than more affordable vehicles like the 2021 Chevrolet Equinox or the 2019 Ford F-150.
Make & Model | Monthly Rates |
---|---|
2021 Audi A4 | $180 |
2020 BMW 3 Series | $200 |
2020 BMW X5 | $200 |
2020 Cadillac Escalade | $220 |
2020 Chevrolet Silverado | $150 |
2021 Chevrolet Equinox | $135 |
2021 Chrysler Pacifica | $155 |
2019 Ford F-150 | $140 |
2020 Ford Mustang | $180 |
2021 GMC Sierra 1500 | $155 |
2020 Honda Civic | $120 |
2021 Honda CR-V | $130 |
2020 Hyundai Elantra | $115 |
2020 Jeep Wrangler | $160 |
2022 Kia Sorento | $140 |
2021 Lexus RX 350 | $190 |
2020 Mazda CX-5 | $145 |
2021 Mercedes-Benz C-Class | $210 |
2021 Nissan Altima | $125 |
2021 Porsche Macan | $250 |
2021 Ram 1500 | $150 |
2021 Subaru Outback | $135 |
2021 Tesla Model 3 | $250 |
2021 Toyota RAV4 | $130 |
2021 Toyota Camry | $130 |
2021 Volkswagen Jetta | $125 |
If you’re looking for the best car insurance in North Carolina, consider how the vehicle you drive affects your premiums, as insurance companies may also be willing to insure a car not under your name. Rates can vary, so comparing options can help you find the best deal.
Cheap Car Insurance Rates in NC by Driving Record and Annual Mileage
Rates can vary greatly when you look for car insurance in your area, and factors like driving record and annual mileage can significantly affect your average cost.
Typically, drivers with a clean record pay lower premiums, but those with a ticket, accident, or DUI may have to pay a higher price. Also, the miles driven annually can affect insurance rates, with higher mileage generally leading to increased costs.
Cheap Car Insurance Monthly Rates in NC by Driving Record and Annual Mileage
Driving Record | 6,000 Miles | 12,000 Miles |
---|---|---|
Clean Record | $95 | $102 |
One Ticket | $152 | $162 |
One Accident | $124 | $137 |
One DUI | $195 | $215 |
If you’re looking for the best car insurance in North Carolina, be aware that your driving behavior is key in setting your rates. Safe driving habits and low mileage are great ways to save on your premium.
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Cheapest Car Insurance Rates in North Carolina by State & Credit Score
Searching for an auto insurance provider across the state can be challenging, and elements like location and credit score can affect your coverage prices.
Cheapest Car Insurance Monthly Rates in North Carolina by State & Credit Score
State | Good Credit | Fair Credit | Bad Credit |
---|---|---|---|
Alabama | $120 | $150 | $200 |
Alaska | $100 | $130 | $170 |
Arizona | $140 | $180 | $230 |
Arkansas | $130 | $160 | $210 |
California | $160 | $200 | $250 |
Colorado | $140 | $180 | $220 |
Connecticut | $130 | $170 | $210 |
Delaware | $140 | $180 | $220 |
Florida | $180 | $220 | $270 |
Georgia | $130 | $160 | $200 |
Hawaii | $110 | $140 | $180 |
Idaho | $90 | $120 | $160 |
Illinois | $120 | $150 | $190 |
Indiana | $110 | $140 | $180 |
Iowa | $100 | $130 | $160 |
Kansas | $120 | $150 | $190 |
Kentucky | $140 | $180 | $230 |
Louisiana | $170 | $210 | $260 |
Maine | $80 | $100 | $140 |
Maryland | $140 | $180 | $220 |
Massachusetts | $130 | $160 | $200 |
Michigan | $180 | $220 | $270 |
Minnesota | $130 | $160 | $200 |
Mississippi | $120 | $150 | $190 |
Missouri | $130 | $160 | $200 |
Montana | $110 | $140 | $180 |
Nebraska | $120 | $150 | $190 |
Nevada | $160 | $200 | $250 |
New Hampshire | $80 | $100 | $140 |
New Jersey | $140 | $180 | $220 |
New Mexico | $120 | $150 | $190 |
New York | $170 | $210 | $260 |
North Carolina | $100 | $130 | $160 |
North Dakota | $90 | $120 | $150 |
Ohio | $90 | $110 | $140 |
Oklahoma | $120 | $150 | $190 |
Oregon | $140 | $180 | $220 |
Pennsylvania | $130 | $160 | $200 |
Rhode Island | $160 | $190 | $230 |
South Carolina | $140 | $180 | $220 |
South Dakota | $110 | $140 | $170 |
Tennessee | $120 | $150 | $190 |
Texas | $160 | $200 | $240 |
Utah | $140 | $180 | $220 |
Vermont | $80 | $100 | $130 |
Virginia | $120 | $150 | $190 |
Washington | $140 | $180 | $220 |
West Virginia | $120 | $150 | $190 |
Wisconsin | $110 | $140 | $180 |
Wyoming | $100 | $130 | $160 |
When seeking the best car insurance in North Carolina, it’s important to note that credit scores can heavily affect premiums. For motorists looking for high-risk auto insurance, you must compare car insurance rates by state and check with your local agent or broker to see which providers offer the cheapest auto insurance in North Carolina.
Searching the Best Car Insurance in North Carolina: Tips for Affordable Car Insurance Coverage
Knowing the difference between agents and brokers is important when looking for car insurance quotes in NC. Agents work for insurance companies and earn commissions, while brokers represent clients and help find the best car insurance in North Carolina that meets their needs. Both can help lower your car insurance cost by finding competitive rates.
Before purchasing insurance, ensure that the Department of Insurance licenses the company, agent, or broker. You can verify their credentials and check complaint reports to ensure you’re working with a reputable professional who can help you find the best North Carolina auto insurance company for affordable coverage and price options.
What you need to do after an Accident in NC
If you’re in an accident in North Carolina, stop immediately, check for injuries, call the police, and exchange information with the other driver, even if they don’t have insurance. If you fail to do so can lead to legal trouble. You should also report the accident to your insurance company as soon as possible to start the claims process.
If your claim is delayed or denied unfairly, you can contact the Department of Insurance for help. Car insurance companies in North Carolina may recover costs from the at-fault driver’s insurer. Also, remember that you need insurance to buy a car in North Carolina before driving it legally.
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Best Cheap Coverage for High-Risk Drivers in NC
If your driving record is full of infractions, such as accidents, tickets, or drunken driving offenses, you may have difficulty finding an insurer that will sell you a policy. However, due to the fact that drivers in North Carolina are required to have insurance, the North Carolina Reinsurance Facility was created in 1973 to help drivers who have been unsuccessful in purchasing coverage due to their less-than-clean driving records.
When choosing an insurer, look beyond just price—Geico’s strong customer service and hassle-free claims process make it a top choice for drivers in North Carolina.Schimri Yoyo Lincensed Agent and Financial Advisor
If you violate certain traffic laws, such as driving while uninsured, driving under the influence, causing an accident while driving while uninsured, having too many traffic tickets within a short time span, resulting in your license being suspended or revoked, you may have to show proof of financial responsibility in the form of SR-22 insurance in order to get your license back. If this applies to you, ask your insurer if they provide SR-22 because not all insurers do.
Do you still need help?
Insurance is not always the easiest thing to understand. For this reason, the North Carolina Department of Insurance Consumer Services Division offers assistance to anyone with questions or concerns about your policy. The Division will also help you resolve any problems you may have with an insurer, agent, broker, policy, or claim. You can contact the Consumer Services Division at 800-546-5664. The Department of Insurance also provides an online consumer’s guide to auto insurance that may help you better understand your policy in North Carolina.
Online resources include:
Frequently Asked Questions
Who is the best car insurance company in NC?
The best car insurance companies in NC vary based on your needs, but top picks often include Geico, State Farm, and Progressive, known for offering competitive rates and good customer service.
What is considered full coverage in NC?
Full coverage in North Carolina typically includes liability coverage, comprehensive coverage, and collision coverage. It can also include uninsured/underinsured motorist coverage and medical payments (depending on your policy). Know what type of coverage is best for you by entering your ZIP code into our free comparison tool.
What is the average cost of car insurance in North Carolina?
Depending on personal circumstances, average cost of car insurance in North Carolina varies but is typically around $83 to $100 per month for full coverage, and around $42 to $50 for minimum coverage. Type in your ZIP code and see which car insurance provider is the best option for you.
What is the new law for car insurance in NC?
The most recent update in North Carolina’s car insurance laws includes allowing drivers to purchase uninsured motorist coverage in higher limits, though you can still opt for the state minimum.
What is North Carolina state insurance called?
North Carolina state insurance generally refers to the minimum car insurance requirements set by the state, which include liability and uninsured motorist coverage.
Is Allstate licensed in North Carolina?
Yes, Allstate is licensed to sell car insurance in North Carolina and is an active provider in the state.
What car insurance is required in North Carolina?
In the state of North Carolina, the law requires that all drivers have 30/60/35 liability insurance and uninsured motorist insurance with minimum coverage limits.
Why are cars cheaper in North Carolina?
Car prices may be lower in North Carolina due to lower vehicle taxes, fewer urban areas with high demand, and generally lower living costs compared to other regions. Compare rates and get quick car insurance quotes from top companies by entering your ZIP code
Did NC insurance rates go up?
Yes, car insurance rates in North Carolina, like many other states, have seen rate increases in recent years, driven by factors like higher repair costs, accidents, and natural disasters.
Why is NC car insurance so expensive?
NC car insurance rates can be expensive due to factors such as population density, weather events like hurricanes, a high number of uninsured drivers, and the cost of car repairs.