With a largely rural population, insurance in North Carolina is pretty affordable to begin with. But to find the top deal, your best bet is to explore quotes from multiple insurance providers.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in North Carolina. And if you want to learn more about car insurance rates in North Carolina, keep reading.
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in North Carolina.
Cheapest minimum coverage car insurance in North Carolina
The minimum required insurance coverage varies depending on your state laws. In North Carolina, all drivers must have at least the following:
$30,000 bodily injury liability per person
$60,000 bodily injury liability per accident
$25,000 property damage liability per accident
The state also requires all drivers to purchase $30,000 of uninsured motorist coverage.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in North Carolina:
Additional coverages you might want to consider when shopping for car insurance in North Carolina
Coverage to consider
New York often gets the tail end of tropical storms and hurricanes. Comprehensive insurance coverage protects your car from physical damage that may happen as the result of a weather event.
Georgia is prone to certain severe weather events, like flooding. Comprehensive insurance covers physical damage to your car as a result of weather, vandalism, or other non-collision-related event.
High crime rates
Purchase comprehensive insurance to make sure you are covered for break ins and theft.
Minimum liability insurance is all you need to legally drive in North Carolina, but purchasing additional coverage is a good idea if you can afford it.
Best carriers for minimum coverage car insurance in North Carolina
North Carolina is serious about car insurance. Driving without the minimum required coverage is a class 1 misdemeanor. In addition to a penalty that can range from $50–$150, you could face a 30-day suspension of your license and registration and even the possibility of probation or imprisonment.
All insurance providers in the state offer minimum liability insurance, and there are plenty of affordable premiums to be found—so there’s no reason to drive uninsured.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in North Carolina:
Securing additional protection will provide peace of mind and protect you financially in the event of an incident.
Cost to insure your car in North Carolina by age
Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
North Carolina has a graduated licensing program and mandates that young drivers complete an approved driver’s education course. But even with the accompanying insurance discount, rates remain high.
If you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Cost of insurance for drivers in North Carolina with a bad driving record
Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
In North Carolina, both driver’s license points and insurance points stay on your record for three years. They increase if you have additional convictions and will affect your rates at the next renewal or if you purchase a new policy.
The good news is Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Cost of insurance for young drivers in North Carolina with a bad driving record
Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Underage drivers who receive two moving violations with points are subject to license suspension. For criminal traffic violations punishable as a misdemeanor or felony, the state mandates an automatic 30-day license suspension for 16 and 17 year olds with a learner’s permit or provisional license.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Types of discounts that might be available to you in North Carolina
Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in North Carolina.
Here are some to keep an eye out for:
Customer loyalty (e.g., bundling, early renewal)
Demographic (e.g., good student, senior)
Driver affiliations (e.g., military, affinity)
Driving history (e.g., accident-free, safe driver)
Driver training (e.g., defensive driver course)
Equipment-related (e.g., anti-theft, new car)
Payment (e.g., auto-pay, paperless)
There are lots of discounts available to policyholders in North Carolina, though you may need to inquire with insurance companies to find out whether you’re eligible.
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 telematic 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.
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.
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
How much does it cost to insure my car make in North Carolina?
Cars like the Camry, Altima, and F-150 are popular in North Carolina—and it’s not just because they’re practical and offer a smooth ride. They’re also some of the more affordable vehicles to insure.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
North Carolina insurance rates typically fall below the national average, but there are some factors that may increase insurance premiums over time.
The state is in a hot spot for severe weather like tropical storms, flooding, and droughts. These weather events are becoming increasingly common and result in vehicle damage—and payouts from insurance companies.
As more people hit the roads in North Carolina, there are also more chances for car accidents. Rates in more population-dense cities tend to be higher to compensate for that added risk.
To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.
Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.