Q: Why is car insurance so expensive in North Carolina?
Apr 21, 2021

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

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. “

Not quite the question that you were looking for?
Our insurance agents are ready to help you, for free.
Ask your question
Have an insurance question?
avataravataravatar
Our insurance agents are ready to help you, for free.
Ask your question
Our customers say the nicest things
Our members, saved over $5 million in the last 30 days
Find savings (100% Free)
Rated 4.7/5 in the App Store
logos
logos
logos
This app is truly amazing and I recommend it to everyone. They were able to save me over $100/yr on car insurance, and I hardly had to do a thing. They got finalized quotes for me in minutes, and I didn't have to call anyone. They also canceled my old policy, and got me on to my new one for me!
Jerry.ai is the easiest way to compare and buy car insurance
arrow
No long forms
arrow
No spam or unwanted phone calls
arrow
Quotes from top insurance companies
Find savings (100% Free)
4.7/5 Rating on App Store
Have an insurance question?
avataravataravatar
Our insurance agents are ready to help you, for free.
Ask your question
Our customers say the nicest things
Our members, saved over $5 million in the last 30 days
Find savings (100% Free)
Rated 4.7/5 in the App Store
logos
logos
logos
This app is truly amazing and I recommend it to everyone. They were able to save me over $100/yr on car insurance, and I hardly had to do a thing. They got finalized quotes for me in minutes, and I didn't have to call anyone. They also canceled my old policy, and got me on to my new one for me!