Auto Insurance In North Carolina: Where's The Cheapest?

The cost of car insurance in North Carolina depends on several factors, including age, driving record, location, and the type of coverage. The cheapest car insurance companies in the state are Erie, State Farm, Progressive, and Nationwide, with average annual rates ranging from $770 to $2,129. The average cost of car insurance in North Carolina is $1,165 per year, which is lower than the national average of $1,543.

Cheapest car insurance companies in North Carolina

• Erie Insurance
• State Farm
• Progressive
• Nationwide
• Geico
• Auto-Owners
• USAA
• American Family
• Farmers
• Allstate

Cheapest car insurance for different driver profiles

Cheapest Car Insurance for Young Drivers in North Carolina

Young drivers typically pay much more for car insurance than adults, and this is true for the Tar Heel State. The cheapest rates for young drivers in North Carolina are offered by Progressive.

Cheapest Car Insurance for Drivers with a Speeding Ticket in North Carolina

For drivers with a speeding ticket in North Carolina, Progressive offers the cheapest rates.

Cheapest Car Insurance for Drivers with an At-Fault Accident in North Carolina

Progressive also offers the cheapest rates for drivers with an at-fault accident in North Carolina.

Cheapest Car Insurance for Drivers with Poor Credit in North Carolina

Progressive provides the cheapest rates for North Carolina drivers with poor credit.

Cheapest Car Insurance for Seniors in North Carolina

Progressive provides the cheapest car insurance in North Carolina for seniors.

Cheapest car insurance for different coverage types

Cheapest Full Coverage Car Insurance

According to MarketWatch, Progressive offers the cheapest full-coverage car insurance rates on average in North Carolina, at a cost of $85 per month or $1,014 per year.

Cheapest Minimum Liability Car Insurance

MarketWatch also states that the cheapest liability car insurance for drivers in North Carolina is from Erie Insurance for $30 per month or $363 per year.

Cheapest Car Insurance for Young Drivers

Progressive offers the cheapest rates on average for 16-year-old drivers in North Carolina at $273 per month.

Cheapest Car Insurance for Seniors

Progressive provides the cheapest car insurance in North Carolina for seniors with average annual rates of $1,061 for a full-coverage policy.

Cheapest Car Insurance for High-Risk Drivers

On average, Progressive provides the cheapest overall car insurance rates for those with bad driving records or credit scores in the state of North Carolina.

Cheapest car insurance for drivers with a poor record

According to my search, the cheapest car insurance for drivers with a poor record in North Carolina is offered by Progressive. However, drivers with a poor record can also consider State Farm, National General, and Erie, which also offer competitive rates.

Factors affecting car insurance premiums in North Carolina

In North Carolina, insurance companies can consider your driving experience, credit history, and marital status when setting premiums. The car you drive, your annual mileage, and other factors can also impact the price of insurance.

Cheapest car insurance companies in North Carolina

• Erie
• State Farm
• Progressive
• Nationwide
• NC Farm Bureau

Tips for getting cheap car insurance in North Carolina

To get the cheapest rates, drivers can try the following:

• Evaluate how much and what type of coverage they need.
• Request quotes from several providers and compare coverage and rates.
• Find out which discounts they qualify for.
• Compare quotes from both national and regional insurers.
• Choose the right coverage for their needs.
• Maintain continuous coverage to avoid higher rates.

Cheapest car insurance by city

The cost of car insurance in North Carolina varies depending on where you live. The average cost of car insurance in the state is $1,165 per year, which is lower than the national average of $1,543.

The cheapest car insurance companies in North Carolina are Erie, Nationwide, and NC Farm Bureau. The difference between the cheapest and most expensive car insurance in the state is $1,463 per year.

The cheapest cities for car insurance in North Carolina are:

• Hendersonville: $788 per year
• Asheville: $796 per year
• Burlington: $815 per year
• Chapel Hill: $825 per year

In contrast, the cities with the highest average rates in North Carolina are Charlotte and Fayetteville, which are 17% higher than the state average.

Factors affecting car insurance premiums in North Carolina

Many factors can affect the cost of car insurance in North Carolina, including:

• Age: Young drivers under 25 often pay higher premiums because they are considered higher risk.
• Driving record: Accidents and traffic violations will typically result in higher insurance rates.
• Vehicle type: Certain vehicles are more expensive to insure due to factors such as make, model, year, theft rates, and repair costs.
• Credit history: A poor credit history can indicate a higher risk of filing claims, leading to higher insurance premiums.
• Location: Areas with higher rates of theft, vandalism, and accidents usually have higher insurance premiums.
• Mileage and usage: Driving more miles or using your car for business purposes can increase your insurance costs.
• Marital status: Married drivers often pay lower premiums because they are seen as more responsible and less likely to file expensive claims.
• Gender: Female drivers generally pay less for insurance because they have fewer accidents than males.

Frequently asked questions