Car Insurance in North Carolina

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TABLE OF CONTENTS
  • How Much is Car Insurance in North Carolina?
  • Real Quotes for Jerry.ai Customers in North Carolina
  • The Cheapest Car Insurance in North Carolina
  • Most Popular Insurance Companies in North Carolina
  • Cost to Insure Different Cars in North Carolina
  • Car Insurance Laws in North Carolina
  • Car Registration Information in North Carolina

Looking for car insurance in North Carolina? Here you’ll find all the information you need on driving a car in The Tar Heel State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Charlotte or Durham, Raleigh or Greensboro — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for North Carolina car insurance.

How Much is Car Insurance in North Carolina?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in North Carolina, here’s what you should know about how much you’ll pay for insurance: On average, drivers in North Carolina pay $1,845.30 each year for car insurance. This means drivers in North Carolina pay 37% below the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.

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What’s Your Rate?

But how do you know what policy is right for you in North Carolina? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in North Carolina, but also on your credit score, marital status, the kind of car you own, and much more.

Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.

The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry.ai Customers in North Carolina

CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2021-01-12
  • Nissan Versa S
63 year old femaleProgressive$76.82$72.18Preferred
2021-02-11
  • Honda Civic Ex
  • Dodge Durango Citadel
  • Hyundai Sonata Sel Plus
  • Nissan Altima 2.5
47 year old femaleProgressive$71.95$228.05Basic
2020-12-11
  • Volkswagen Atlas Se
  • Jeep Grand Cherokee Laredo
31 year old maleProgressive$77.21$102.79Preferred
2021-02-24
  • Dodge Stratus Sxt
  • Acura Mdx Touring
  • Volkswagen Jetta Wolfsburg
  • Volkswagen Jetta Gls
53 year old femaleProgressive$109.01$302.99Preferred
2021-02-24
  • Acura TL
51 year old maleProgressive$60.97$37.03Preferred

The Cheapest Car Insurance in North Carolina

Which companies offer cheap car insurance in North Carolina? Below, we’ve ranked North Carolina car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.

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Cheapest Car Insurance in North Carolina for Basic Coverage

There’s all kinds of auto insurance you can get in North Carolina, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by North Carolina. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in North Carolina, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in North Carolina

Filters
RankCompany nameAvg. Annual Premium
1Safeco$817.15
2Nationwide$894.26
3National General$919.10
4Progressive$929.02

Real Jerry Quotes for Basic Coverage in North Carolina

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2020-12-18
  • Toyota Camry Xse
  • Nissan Frontier King Cab Xe
19 year old maleProgressive$68.18$267.82
2021-01-20
  • Chevrolet Tahoe K1500 Ltz
  • Chevrolet Silverado K1500 Lt
  • Hyundai Sonata Hybrid
75 year old maleNationwide$56.30$77.03
2020-12-26
  • Toyota Camry Le
19 year old femaleSafeco$101.69$56.31
2020-11-18
  • Dodge Durango Sxt
38 year old maleNational General$100.16$41.84
2020-12-25
  • Nissan Sentra S
  • Nissan Sentra S
22 year old femaleNationwide$64.81$262.09

Average Cheapest Car Insurance for Standard Plans in North Carolina

Most drivers will want more than the basic minimum coverage that North Carolina requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.

Below you’ll find the average price drivers are paying for standard insurance coverage in North Carolina, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in North Carolina

Filters
RankCompany nameAvg. Annual Premium
1National General$1,133.86
2Nationwide$1,157.66
3Progressive$1,279.36
4Kemper$1,407.57
5Travelers$1,512.97
6State Auto$1,591.72
7Safeco$2,071.51

Real Jerry Quotes for Standard Coverage in North Carolina

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2020-12-28
  • Toyota Corolla Le
31 year old maleNational General$85.05$54.95
2021-01-21
  • Audi A6 Premium Plus
23 year old femaleProgressive$111.01$113.99
2021-01-04
  • Toyota Camry L
25 year old maleNationwide$133.34$46.66
2020-12-16
  • Lexus Gs 350
23 year old maleNationwide$135.66$89.34
2020-12-09
  • Nissan Sentra S
28 year old femaleProgressive$71.05$104.96

Cheapest Car Insurance in North Carolina for Preferred Coverage

Preferred coverage protects North Carolina drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.

We were able to look at the average price drivers are paying for preferred insurance coverage in North Carolina, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in North Carolina

Filters
RankCompany nameAvg. Annual Premium
1National General$1,230.71
2Nationwide$1,299.12
3Progressive$1,389.73
4Kemper$1,567.45
5Travelers$1,590.10
6State Auto$1,826
7Safeco$2,536.16

Real Jerry Quotes for Preferred Coverage in North Carolina

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2021-01-01
  • Nissan Sentra S
23 year old femaleNationwide$118.58$211.42
2020-12-19
  • Ford Focus Se
  • Ford Explorer Xlt
  • Nissan Altima 2.5s
39 year old femaleProgressive$200.69$113.31
2021-02-19
  • GMC New Sierra K1500
23 year old maleProgressive$77.58$97.42
2020-12-23
  • Nissan Rogue Select
26 year old maleProgressive$80.42$102.58
2021-02-15
  • Honda Civic Ex
27 year old maleProgressive$81.81$102.19
Insurance companyAverage annual premium in North Carolina
Progressive$1,623.25
National General$1,488.55
Nationwide$1,449.21
State Auto$1,825.31
Safeco$1,949.97
Travelers$2,298.84

Cost to Insure Different Cars in North Carolina

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for North Carolina drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in North Carolina. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2020-12-06
  • Dodge Avenger Sxt
24 year old maleNational General$86.12$76.45Preferred
2020-11-21
  • Jeep Patriot
24 year old femaleProgressive$81.97$98.03Preferred
2021-02-20
  • Honda Accord Ex
24 year old femaleNationwide$61.49$76.51Standard
2020-11-18
  • Mazda 3 Grand Touring
25 year old femaleNationwide$97.57$182.43Standard
2020-12-05
  • Toyota Corolla Le
22 year old femaleProgressive$132.33$12.67Preferred
2021-01-20
  • Mazda 3
26 year old femaleTravelers$95.30$44.70Standard
2020-11-23
  • Chevrolet Malibu Limited Ls
25 year old maleProgressive$91.58$183.42Preferred

Car Insurance Laws in North Carolina

With decent traffic volumes and amazing views like Clingmans Dome, North Carolina is a great place to live, work, and drive. Its drivers are middle of the road in a national comparison, but car accident rates due to speeding are well above average. Whether you’re driving in Charlotte, Raleigh, Greensboro, or beyond, accidents inevitably drive up your car insurance premiums.

If you’re ever in a collision in the Tar Heel State, you’ll be happy to know that car insurance is mandated by a set of state laws. Here’s everything you should know about minimum insurance coverages that North Carolina requires.

What Car Insurance Is Required by Law in North Carolina?

One of the requirements before you can register a car in the state of North Carolina is auto insurance coverage. You must have proof of insurance in your vehicle including: Bodily Injury Liability (BIL), Property Damage Liability (PDL), and uninsured motorist coverage.

As an at-fault state, all costs associated with a car accident in North Carolina are the responsibility of the person found to be at fault. BIL coverage provides compensation to other parties for medical bills, lost wages, ambulance transportation, follow-up doctor’s visits, and medications related to the accident.

PDL insurance operates in a very similar way but for property instead of injuries. Property that has been damaged in the accident can have costs recouped from the at-fault party’s insurance company. That can be anything from lawns and buildings to other vehicles and telephone poles.

The purpose of BIL and PDL insurance coverage is to provide a simple way for those who experienced losses to be reimbursed. However, minimum coverages don’t always provide enough money to cover actual costs, in which case the driver not at fault can sue the at-fault driver for amounts above and beyond.

Despite the laws mandating insurance, around 10% of state residents drive without insurance anyway. Uninsured motorist coverage takes care of your personal expenses if you get into a car accident with a driver who doesn’t have proper insurance.

Can You Drive a Car without Insurance in North Carolina?

As is the case with nearly all states, it’s not legal to drive in the state of North Carolina without minimum auto insurance coverage. Driving without proof of insurance is a costly offense if caught and will result in a fine. First-time offenders must pay $50, a second offence will cost $100, and any subsequent offence will be $150, plus a $50 reinstatement fee.

What Are the Minimum Car Insurance Requirements in North Carolina?

As with almost all U.S. states, North Carolina requires that all drivers maintain minimum insurance amounts when driving a vehicle. It affords protection for both the driver and any motorists’ they may cross paths with, as well as property damage that occurs in an accident.

Minimum Insurance Requirements in North Carolina

  • Bodily injury per person per accident: $30,000
  • Bodily injury per accident: $60,000
  • Property damage liability: $25,000 per accident
  • Uninsured motorist coverage: $25,000

Car Registration Information in North Carolina

Just having the minimum insurance coverage isn’t enough on its own to legally drive in North Carolina. Vehicles must also be registered to operate in the state. If you move to North Carolina, you have 60 days to register a vehicle upon establishing your permanent residency. It must also pass a safety and emissions inspection.

When you initially register a vehicle in North Carolina, a license plate is issued that must be attached to the rear of your vehicle at all times, whether you’re driving or not, at a cost of $6. Registration must be renewed annually and a new safety inspection must be performed within 90 days of the renewal.

Initial registration for vehicles just purchased or for new North Carolina residents must be done at a local DMV office. You’re required to bring your driver’s license, proof of insurance, your car’s title with vehicle identification number, a Declaration of Eligible Risk, your vehicle inspection, an Odometer and Damage Disclosure Statement, and your initial registration fees. For passenger cars, registration fees are $38.75 annually.

Registration renewals are much easier. You can visit the state DMV website to renew your registration using the information sent to you in your notice. If you prefer, you can renew by mail or in person.

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