Why is car insurance so expensive in North Carolina?

I've moved from Pennsylvania to North Carolina. When I changed my address with Nationwide, my rates shot up. Should I change my coverage levels to save money? Why is it so much more expensive than what I'm paying now?

Answer provided by
Emily Maracle
Answered on Apr 21, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
Car insurance carriers look at many different factors when rating policies. Where you live is one of them. This is part of the reason why changing your address has caused your premium to increase.
Furthermore, all states regulate their own insurance and insurance companies. North Carolina has higher minimum car insurance requirements than Pennsylvania, which is likely another reason why you’re paying more for coverage.
Adjusting your coverage levels is one way to save money, especially if you have an older car that may not require collision and comprehensive coverage. If you have an emergency fund or savings set up, you could also raise your deductibles to save money.
You can also shop around. There could be a different carrier in your new state that can provide you with appropriate coverage and a more affordable rate. “

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