CHEAPEST AUTO INSURANCE NORTH CAROLINA
the cost of car insurance can be tailored and fit to meet everyone’s needs. It is not as cookie-cutter as it may seem. Drivers are able to customize their insurance policy to save money on coverages they do not need and only pay for what they do.
Average Monthly Rate Top 3
| National General | $84 |
| Dairyland | $94 |
| Progressive Insurance | $97 |
COST OF AUTO INSURANCE NORTH CAROLINA
We have all been there, right? A speeding ticket or two back in our 20s? We all learned real quick, that speeding tickets will cost you more than you know. Insurance premiums go up with violations on your driving record. Keep a squeaky clean driving record, and your wallet will thank you.
Average Monthly Rates for Clean Driver
| Dairyland | $132 |
| GAINSCO | $132 |
| Bristol West | $138 |
| National General | $138 |
| The General | $139 |
| AssuranceAmerica | $140 |
| Mendota Ins. Company | $144 |
| Progressive Insurance | $147 |
| Acceptance RTR | $152 |
| 21st Century | $156 |
AUTO INSURANCE NORTH CAROLINA – LEAST EXPENSIVE CAR INSURANCE FOR YOUNG DRIVERS
The cost of car insurance in North Carolina is generally more expensive for younger drivers, because of the lack of driving experience they have. This is not to say you’re not all great drivers; however, insurance companies make the cost of insurance cheaper as you get more years of experience under your belt. Your North Carolina Insurance will decrease!
Average Monthly Rates under 25
| National General | $129 |
| Dairyland | $138 |
| Allstate | $152 |
| Bristol West | $153 |
| Progressive Insurance | $154 |
CHEAPEST AUTO INSURANCE NORTH CAROLINA – FULL COVERAGE
The cost of auto insurance in North Carolina can vary depending on what coverages you add on to your policy. Full coverage consists coverages such as Comprehensive and Collision. Comprehensive will cover your vehicle for theft, vandalism, glass breakage, fire, and impact with an animal. Collision will cover an impact with another vehicle or object.
If you choose full coverage, once you have the basics (comprehensive and collision), you can add other coverages on, such as Roadside and Rental Reimbursement.
Average Monthly Rates For Full Coverage
| National General | $122 |
| Bristol West | $144 |
| The General | $146 |
| USAA | $148 |
| Mendota Ins. Company | $149 |
CHEAPEST CAR RATE WITH BUNDLE HOMEOWNERS DISCOUNT – AUTO INSURANCE NORTH CAROLINA
Bundle Savings Average Rate
| Bristol West | $128 |
| Progressive Insurance | $130 |
| Dairyland | $135 |
| GAINSCO | $135 |
| Geico | $135 |
| 21st Century | $137 |
| State | Minimum Coverage Requirements | Average Cost for Minimum Liability Coverage |
| North Carolina | 30/60/25 | $578 |
AUTO INSURANCE NORTH CAROLINA: LIABILITY COVERAGE
The minimum liability limits required by law in the State of NC are 30/60/25 and Uninsured Motorist coverage is 30/60.
This means, if you are found liable in the event of an accident, your liability limit will pay out to the other party involved; $30,000 per person for bodily injury expenses, up to $60,000 per accident and $25,000 for property damage.
Not all States require you to carry Uninsured Motorist Bodily Injury Protection, NC is one of the States that does require. This will cover you $30,000 per person and $60,000 per accident if you are hit by an Uninsured Driver.
What is the Average Cost of Auto Insurance in NC?
The average driver in North Carolina who is only getting liability insurance in compliance with the States minimum requirements may possibly pay under $100 a month! However, do keep in mind, that rates do vary depending on each individual and car.
Average Monthly Rates Liability Only
| Carrier | Average Prices |
|---|---|
| National General | $84 |
| Dairyland | $94 |
| Progressive Insurance | $97 |
| The General | $97 |
| Acceptance RTR | $98 |
| AssuranceAmerica | $98 |
Auto Insurance North Carolina: SR22
An SR22 is simply an attachment that is added onto a policy containing AT LEAST the State Minimum Liability Requirements. The Insurance company is responsible for reporting your insurance to the State of NC on your behalf; letting them know that you are complying.
Generally, an SR-22 is required if you’ve been convicted of a major violation, such as a DUI or Reckless Driving. Have other questions? Speak with one of our licensed agents who specialize in this type of coverage.
Average Monthly Rates SR-22
| Dairyland | $77 |
| Bristol West | $93 |
| Progressive Insurance | $95 |
| National General | $99 |
| Acceptance RTR | $103 |
| The General | $105 |
| Mendota Ins. Company | $109 |
| AssuranceAmerica | $110 |
| Farmers | $110 |
| American Family | $114 |
CHEAPEST AUTO INSURANCE NORTH CAROLINA FOR FEMALE DRIVERS
AGE AND GENDER COMPARISON
| Age | Male | Female |
| 16-18 | $ 231.84 | $ 184.09 |
| 19-24 | $ 193.20 | $ 161.00 |
| 25-30 | $ 139.84 | $ 124.84 |
| 31-40 | $ 110.40 | $ 106.08 |
| 41-50 | $ 109.48 | $ 98.44 |
| 50-65 | $ 99.36 | $ 101.48 |
| 65+ | $ 106.08 | $ 114.08 |
What types of auto insurance are required in North Carolina?
In North Carolina, drivers are required to have liability insurance that covers bodily injury and property damage liability. Additional coverage options are available but not mandatory.
How can I find affordable auto insurance in North Carolina?
To find affordable auto insurance in North Carolina, compare quotes from multiple insurers, consider available discounts, review coverage options, and tailor the policy to your needs and budget.
Do you need assistance choosing auto insurance in North Carolina?
Feel free to call us at 1.888.445.2793 for assistance with choosing auto insurance in North Carolina. Our team is ready to help you find the right coverage.
Q4: What is the recommended auto insurance coverage in North Carolina?
A4: While liability insurance is the minimum requirement, it’s often recommended to have additional coverage, including collision, comprehensive, and personal injury protection (PIP) coverage. The recommended coverage depends on your individual needs and financial situation. Contact us for personalized guidance on the right coverage for you.
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Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
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FAQs About Auto Insurance in North Carolina at A Plus Insurance
What types of auto insurance are required in North Carolina?
In North Carolina, auto insurance requirements include liability insurance, uninsured/underinsured motorist coverage, and sometimes, medical payments coverage. To understand the specific coverage requirements and options available, contact our office at 888-445-2793 for guidance.
How can I find affordable auto insurance in North Carolina?
Finding affordable auto insurance in North Carolina involves comparing quotes from different insurance providers. Our experienced agents at A Plus Insurance can assist you in obtaining and comparing quotes to secure the most cost-effective coverage. Contact our office at 888-445-2793 for expert guidance on affordable auto insurance.
Why choose A Plus Insurance for auto insurance in North Carolina?
A Plus Insurance is your trusted partner for auto insurance in North Carolina. We work with multiple insurance providers, allowing us to find the most competitive rates for your specific needs. Our agents prioritize your savings and coverage. Contact our office at 888-445-2793 to discuss your options and obtain affordable auto insurance.
Last Updated on by Alexis Karapiperis