Cheapest Insurance in North Carolina 2021
- Find cheapest car insurance North Carolina
- Best insurance companies
- Minimum coverage
- Additional coverage
- Minimum coverage carriers
- Full coverage
- Full coverage carriers
- Cost by age
- Poor driving record insurance
- Carriers for poor driving record
- Young drivers poor driving record insurance
- Young drivers carriers for poor driving record
- Cost by ccar make
- Cost by city
- Lower costs
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.
Find the cheapest car insurance in North Carolina with Jerry
Insurance premiums vary depending on a range of factors, from your personal profile to your driving history to the kind of car you drive. Where you live also matters, as rates vary between and within states.
Here’s how much Jerry customers were paying for car insurance in North Carolina before they compared quotes and switched plans with Jerry:
Best insurance companies for cheap insurance in North Carolina with Jerry
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
|Risk factor||Coverage to consider|
|Severe weather||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.|
|Flooding||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:
Cheapest full coverage car insurance in North Carolina
The minimum insurance requirements cover the people in your vehicle and others involved in the accident—but in order to protect your vehicle itself, you’ll need full coverage insurance.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Best carriers for full coverage car insurance in North Carolina
Insurance premiums vary depending on my factors, so you’ll find that different providers have different rates. To find the most affordable full coverage insurance, you’ll need to shop around.
Here’s how much Jerry customers pay for full coverage car insurance 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.
|Wrong Way/Wrong Lane||$1,901||$1,200|
|Leaving scene of an Accident/Hit and Run||$1,440||$1,410|
|Speeding over 15||$2,972||$1,710|
|Failure to Obey Traffic Sign||$2,784||$1,754|
Best carriers for drivers with infractions in North Carolina
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.
|Leaving scene of an Accident/Hit and Run||$1,440||$1,410|
|Driving on Sus. License||$2,832||$1,680|
|Failure to Obey Traffic Sign||$3,549||$1,854|
|Speeding over 15||$3,206||$1,861|
Best carriers for young drivers with infractions in North Carolina
If you’re looking for the most affordable insurance for a young driver with a not-so-great driving record in North Carolina, check out these top carriers.
Young drivers are already deemed higher risk by insurers, and a moving violation only adds to this. Comparing rates from various providers can help find the most affordable premiums.
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.
|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 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.|
|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.|
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:
Cheapest car insurance in North Carolina by city
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.
Additional ways to lower your car insurance
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.
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Frequently asked questions
How much does it cost to use Jerry?
Jerry's services are 100% free of charge. There are no hidden fees and no surprise add-ons at the last minute.
What kind of insurance can Jerry help with?
Jerry currently shops for car, home, renters, and umbrella insurance.
Which insurance companies will I get quotes from?
Jerry shops with up to 45 insurance companies. These include Progressive, Nationwide, Travelers, Mapfre, National General, Mercury, AAA and others. If you want Jerry to shop at any specific companies, just let him know. You can email the member service team at firstname.lastname@example.org or call 1-833-445-3779 (M-F 8am-5pm PT).
Does Jerry mark up the quotes from the insurance companies?
No. Jerry does not mark up the price. The quotes we send to you are the same as those you’d get if you’d shopped yourself.
Will Jerry sell my personal information? Will I be bombarded with phone calls and emails?
Absolutely not. Jerry takes your privacy very seriously. Jerry doesn’t even ask you for your email until you’re ready to switch your insurance to a new company. Jerry does not sell or share your contact information with any external companies. You will not be getting any phone calls or emails. All the communication happens through the mobile app. If you need help, you can request a call from one of our in-house licensed agents, but we don’t call to sell you insurance.
Do I have to wait until my current insurance policy is up for renewal before I can switch?
No, you don’t need to wait until you receive a renewal notice from your current provider. You can switch insurance policies anytime. By law, insurance companies must return any unused premium you have already paid for your policy. A few insurance companies may charge a small cancellation fee if you cancel before the end of the policy. Jerry will let you know the cancellation fee before you decide to switch the policy.
Is Jerry a licensed insurance agent?
Yes, Jerry Insurance Agency (license number 0M34848) is a licensed insurance broker, registered in the state of California. Jerry carries a $1m professional liability policy for your peace of mind.
How is Jerry better than my local agents or the online price shopping sites?
1. Jerry provides quotes from up to 45 insurance companies. Most online price comparison sites (and your local agent) will only provide quotes from a few insurance companies (usually the top 5 or 6 companies, and a handful of smaller brands) with whom they have contracts. You’re more likely to save money with Jerry because we work with top insurance companies.
2. Jerry’s mobile app makes managing your insurance policy a breeze. You can ask questions, upload documents, request changes, and much more. No more phone calls or emails back and forth.
3. With Jerry, you never have to think about insurance shopping again. Jerry will automatically shop you before your renewal date and send you quotes through the mobile app.
Will Jerry change my policy without my approval?
Absolutely not. Jerry will not make any changes to either your existing or your new policy without your approval. Jerry will shop for you before your policy renewal date and show you all your options in the app — it’s up to you to decide if you want to change your policy or not. If you ask Jerry to move forward with a quote you like, only then Jerry will do the paperwork to switch your policy.
Will having Jerry shop for quotes affect my credit score or current insurance rate?
No. Frequent shopping for car insurance quotes does not have an impact on your credit score or the cost of your insurance. In the state of California, a credit check is not required for getting quotes. In other states, insurance companies may run a credit check but it’s a “soft pull,” or fact check, of your credit, as opposed to a “hard pull,” which typically occurs when you apply for credit. Soft pulls, which are used for comparing car insurance rates, do not affect your credit score or rating, no matter how many quotes are obtained.
How can I contact customer service?
You can email the member service team at email@example.com or call 1-833-445-3779 (M-F 8am-5pm PT).