For car insurance North Carolina trusts, you’ve come to the right place!
The car insurance North Carolina drivers prefer can be a great bargain. North Carolina is rated #33 for the total cost of its auto insurance, making it less expensive than the average state. Annual car insurance premiums are under $1,400, and minimum car insurance in North Carolina can be even more affordable.
When choosing insurance, it is a wise idea to compare car insurance rates that North Carolina insurers offer. There are insurers great and small throughout North Carolina, and none of them can offer the best rates in all situations. Learning more about North Carolina car insurance will help you get a better deal.
Let’s look at some of the biggest North Carolina auto insurance questions we get at Cheap Insurance:
What Kind Of Car Insurance Do You Need In North Carolina?
When they’re in the market for car insurance, North Carolina drivers often start with the minimum. A minimum car insurance policy represents the basic amount of coverage you need on the road in North Carolina. You have to show proof of insurance before you can register a vehicle in the state.
North Carolina minimum car insurance includes:
Bodily Injury Liability: $30,000 per individual and $60,000 per covered traffic event
- Property Damage Liability: A flat $25,000 minimum amount
- Uninsured Motorist Bodily Injury: Same as Bodily Injury Liability above
- Uninsured/Underinsured Motorist Property Damage: Same as Property Damage Liability above
It’s noteworthy that North Carolina car insurance minimums are higher than in many other states. It’s common for states to allow you to waive Uninsured and Underinsured Motorist coverage by writing a letter to your car insurance company. On the other hand, North Carolina requires you to hold this coverage.
How Can You Save Money On Car Insurance In North Carolina?
To save money on car insurance, North Carolina residents should always start with the lowest price they can find. Car insurance premiums tend to go up every year: The lower they are to begin with, the more you will keep in your pocket over time.
That means, comparing quotes from North Carolina car insurance companies online before you decide which one to stick with. At least once a year, make time to compare recent rates and switch if you find a better deal. But make certain you don’t accidentally let your insurance policy lapse!
There are a few other ways you can pay less for car insurance in North Carolina:
1. Take and Pass a Defensive Driving Course
A defensive driving course is one way to show you are serious about preventing auto accidents. The safer you are, the more likely it is a car insurance company will offer you a discount. Just double-check that the driving school meets your insurer’s standards before you enroll.
2. Upgrade Your Car’s Safety Features
Car insurance companies in North Carolina and elsewhere spend plenty of time and effort figuring out which vehicles are the safest. If you add safety features to your car, such as a backup camera, you may get a few dollars off your premium. This also applies if you buy a new car insurers deem safer than your old one.
3. Apply for an Affiliation Discount
An affiliation discount is extended to current and retired servicemembers and other groups. Some of the others who may be included are healthcare workers and first responders like police, firefighters, and EMTs. If you are in any of these groups, you may be a quick call away from saving more money.
4. Pay Off Your Debts
North Carolina is one of the states where auto insurers are allowed to use your credit score in determining the rates you pay. Better credit scores lead to lower rates, because insurers believe those with bad credit are more likely to take risks. Paying off credit balances and paying all your bills on time can help.
What Happens If You Don’t Have Car Insurance In North Carolina?
Driving without car insurance in North Carolina is illegal. Penalties can vary widely, even on a first offense, and get more serious with subsequent offenses. You could suffer a maximum fine of $150 for the first offense and may even go to jail. Your registration and license plates could also be suspended for 30 days.
If you are caught driving without car insurance even one time, it could raise your car insurance premiums for three years or more. Needless to say, it’s never worth it to drive without car insurance in North Carolina!
At Cheap Insurance, our goal is to make it easier to find the car insurance rates North Carolina motorists can really be pleased about. On our site, you can compare North Carolina car insurance quotes right now or reach out to our team for more information. We are always here to help!
How much is car insurance per month in North-Carolina?
In the world of car insurance, North Carolina drivers are in luck. The state ranks #33 in car insurance costs, so cheap auto insurance in North Carolina isn’t too hard to find. On average, North Carolina drivers pay around $113 a month for their car insurance coverage.
Of course, an average figure doesn’t describe costs for everybody. If you search for car insurance rates North-Carolina drivers prefer, you may find a minimum car insurance policy that costs under $40 a month. On the other hand, if you go for full car insurance coverage in North Carolina, you’ll pay more than average.
How much does car insurance cost in North Carolina?
When they’re looking for car insurance North-Carolina drivers are often surprised to learn that their state is one of the less expensive around. A minimum car insurance policy in North Carolina can cost as little as $37 per month, or less than $500 per year. More coverage leads to higher costs.
Since many people in North Carolina opt for full car insurance, the average cost of a policy is a bit higher: Around $113 a month, less than $1,400 per year. The car insurance rates North Carolina drivers save the most can be found by comparing several car insurance companies.
What is the minimum car insurance in North Carolina?
As they hunt for affordable car insurance North Carolina drivers need to remember policy minimums. If you do not have minimum coverage, it is not legal to register a vehicle or drive in North Carolina. All car insurance companies must offer at least the minimum.
Coverage must include $30,000 per individual and $60,000 per covered traffic event in Bodily Injury Liability, the same amount in Uninsured Motorist Bodily Injury, $25,000 in Property Damage Liability, and the same in Uninsured/Underinsured Motorist Property Damage.
The lowest car insurance rates North Carolina drivers can get usually come from choosing a minimum policy without additional protections.
What is the cheapest car insurance in North-Carolina?
When looking for car insurance North Carolina drivers have the advantage of low average rates. Scored as #33 for their auto insurance costs, they pay about $113 on average for coverage. But the cheap car insurance in North Carolina costs much less: Potentially under $40 a month.
Minimum car insurance is the cheapest car insurance option in North Carolina.
To get the best car insurance quotes, North Carolina drivers should compare car insurance from many different providers. No one car insurance company in North Carolina always offers the best rates. Keeping your vehicle maintained and avoiding accidents can also lower your rates.