InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in North Carolina – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Here are the average policy rates from the cheapest local and national insurance providers in NC from our cost database of used-car drivers who are single, middle aged and have a clean driving record:
Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
---|---|---|---|---|
NC Farm Bureau | $855 | $71 | $2,999 | $250 |
Progressive | $988 | $82 | $3,501 | $292 |
State Farm | $1,138 | $95 | $4,063 | $339 |
GEICO | $1,164 | $97 | $3,792 | $316 |
Allstate | $2,148 | $179 | $6,607 | $551 |
North Carolina City: | State Minimum: | SM Monthly: | Full Coverage: | FC Monthly: |
---|---|---|---|---|
Cary | $1,317 | $110 | $3,703 | $309 |
Charlotte | $1,831 | $153 | $4,973 | $414 |
Concord | $1,532 | $128 | $4,339 | $362 |
Durham | $1,367 | $114 | $4,091 | $341 |
Fayetteville | $1,637 | $136 | $4,813 | $401 |
Greensboro | $1,392 | $116 | $4,126 | $344 |
High Point | $1,359 | $113 | $3,986 | $332 |
Raleigh | $1,485 | $124 | $4,165 | $347 |
Wilmington | $1,470 | $122 | $3,914 | $326 |
Winston-Salem | $1,234 | $103 | $3,714 | $310 |
In North Carolina there are multiple options for the amount of auto insurance coverage you choose from. Here are a list of the different policy types you can choose from past liability:
When selecting car insurance coverage options in North Carolina, it’s important to consider your individual needs, budget, and risk tolerance – our certified InsuranceQuotes agents can
In the state of North Carolina, you are required to have auto insurance. While the state’s General Assembly has worked hard to keep rates down, you still have to purchase at least the minimum insurance that is required under the law. This includes automobile liability coverage of:
The state also requires that you have uninsured/underinsured motorist coverage. This insurance provides coverage if another driver is at fault and that driver either has no auto insurance, or doesn’t have enough to cover the claim costs.
The best way to find the most affordable auto insurance in NC is to compare quotes. Here is a breakdown of the most common prices for a state minimum auto insurance policy in North Carolina:
Auto Insurance Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
---|---|---|---|---|---|
Alamance | $762 | $608 | $802 | $640 | $751 |
Alexander | $773 | $608 | $815 | $642 | $761 |
Alleghany | $784 | $610 | $828 | $646 | $771 |
Anson | $924 | $751 | $972 | $789 | $910 |
Ashe | $758 | $584 | $804 | $621 | $745 |
Avery | $762 | $589 | $808 | $626 | $749 |
Beaufort | $936 | $743 | $982 | $783 | $921 |
Bertie | $950 | $744 | $1,002 | $785 | $935 |
Bladen | $936 | $743 | $988 | $784 | $921 |
Brunswick | $760 | $621 | $800 | $653 | $749 |
It is worth your time and effort to be a good driver in North Carolina. The state’s General Assembly enacted the North Carolina Safe Driver Incentive Plan (SDIP). Under this plan, drivers are charged higher premiums when they have poor driving records. Drivers who are convicted of a traffic violation or are found to have caused an accident have SDIP points added to their driving record.
Because the rates increase with each point earned, it’s in your best interest to maintain a good driving record.
If you are planning to move to North Carolina, you must get a new driver’s license within 60 days of establishing residency. You will need to go to a state driver’s license office and take the state’s required tests. The DMV recommends that you take the time to check out the N.C. Driver’s Handbook before you do so. You will have to take a vision test, a road sign recognition test, and a written test.
In addition to getting a new driver’s license, you’ll also need to register any vehicles you have within a set period. This limit is determined by an agreement between your previous state and North Carolina, but is generally around 30 days. However, if you get a job in the state before the 30 days is up, you must register your vehicle at that time.
Just like in many other states, you are required to go the speed limit and wear your seatbelt while driving. However, North Carolina has some laws that may be different from what you are used to in other states, so it’s a good idea to learn them.
One law that many people aren’t aware of is the “fender bender” law. Under this law, if you’re involved in a minor accident where no one is injured, you need to move over to the shoulder of the road if you can. The fine for not doing so is $110 plus any incurred court costs.
Another interesting state law is the “move over” law. If you see an emergency vehicle with its lights flashing on the shoulder of the highway, you have to reduce your speed and move over one lane, if safe to do so. This law also applies to public service vehicles with amber lights. The fine for failing to move over and slow down is $500.
Here are some common questions about North Carolina auto insurance:
1. Can drivers with too many SDIP points get insurance?
North Carolina law requires you to have auto insurance that meets minimum requirements. However, with high risk drivers, insurance companies often don’t want to take the risk, so those drivers are assigned to the state’s high-risk driver car insurance program.
2. What happens if you don’t pay your auto insurance on time?
There is no grace period for auto insurance and driving without insurance is against the law. Doing so could subject you to fines and penalties. In addition, if your insurance company cancels your insurance or doesn’t renew it, it automatically notifies the Division of Motor Vehicles (DMV), which could incur fines.
3. If you only purchase liability insurance, will the policy cover medical bills if an accident occurs?
No, if you only have liability insurance and are in an accident where you are injured, your insurance won’t pay your medical bills. Liability insurance only covers property damage and medical bills for other people.