Auto Insurance Quotes NC

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Auto Insurance Quotes NC for two sample drivers as a benchmark, and compared their costs in 80+ cities in the Tar Heel State. The analysis found that the average premium for our profile drivers is $807 per year – the cheapest car insurance company. in North Carolina cost nearly half as much as the most expensive company. For this reason, it’s in consumers’ best interests to get at least three quotes to make sure they’re getting good rates for themselves.

Auto Insurance Quotes NC is the states to be in. Though some might argue that states likes New Hampshire have the right idea, auto insurance quotes NC is affordable enough to make any New Englander a bit jealous! Of course, the availability of reasonable policies at great price means nothing if you are with the wrong company or choose the wrong plan. Since having a good understanding of auto insurance quotes NC is the key to comparing one policy to another,  that will put you on the path to the best plan at the most affordable price.

North Carolina Teen Driving Laws

North Carolina makes use of a graduated licensing system and has a variety of restrictions for teenage drivers based on age, time of day and driving experience. Teens must be at least 15 years old to apply for a learner’s permit. After driving on a permit for twelve months, a driver may apply for a level two permit, which allows driving during the daytime without supervision. After six months with the level two permit, drivers may apply for a level three provisional full license.

Auto Insurance Quotes NC Requirements

Auto Insurance Quotes NC requires that ALL drivers have liability insurance. This coverage helps pay for injuries and damages from a car accident for which you are at fault.

The minimum liability coverage limits are:-

  • $60,000 of bodily injury liability total per accident.
  • $25,000 of property damage liability, per accident.
  • $30,000 for bodily injury liability, per person per accident.

Coverage Defined

  • Bodily Injury Liability (BIL): This coverage pays for medical bills and legal protection should you or another insured driver on your policy cause physical (bodily) injury to another individual while operating your vehicle. The “limit” is the highest amount your insurer will pay for each accident.
  • Uninsured/Underinsured Motorist : This coverage helps pay for the medical and related expenses you incur if you’re injure in a car accident and the driver who is at fault does not have liability insurance, cannot be identifie, or in some states, does not have sufficient insurance to cover your claim.
  • Property Damage Liability (PDL) : This portion of the policy provides coverage for damage to other people’s property when you or another insure driver on your policy is operating your vehicle. This includes damage to the other party’s vehicle. It may also include damage to other property such as nearby fences, buildings, etc. The “limit” is the highest amount your insurer will pay in each accident.

Best Car Insurance in North Carolina

  • Progressive
  • Auto Owners Insurance
  • Allstate
  • North Carolina Farm Bureau
  • State Farm

Optional Coverage in North Carolina

  • Property Damage Liability (PDL) : This portion of the policy provides coverage for damage to other people’s property when you or another insured driver on your policy is operating your vehicle. This includes damage to the other party’s vehicle. It may also include damage to other property such as nearby fences, buildings, etc. The “limit” is the highest amount your insurer will pay in each accident.
  • Medical Payments: This coverage will pay for your injuries as well as injuries to passengers in your vehicle, no matter who’s at fault in an accident.
  • Uninsured Motorist Bodily Injury: This policy pays if you are injure by another driver who is uninsure or under insure in an accident.
  • Uninsured Motorist Property Damage: This optional coverage pays if your vehicle is damage by another driver who is uninsured or under insure, or if you are in a hit and run accident.
  • Comprehensive: This provides coverage if your vehicle is damage for reasons other than an accident, such as vandalism or theft.
  • Collision: Collision coverage pay for repairs or replacement of your vehicle in the event of an at-fault accident.
  • Rental Reimbursement: This policy pays a per diem reimbursement for a rental vehicle if your vehicle is under repair or needs to be replace after an at-fault accident.
  • Roadside Assistance: This optional coverage reimburses the policyholder if a tow truck or road side assistance is need due to issues such as a flat tire, engine failure, getting lock out, or running out of gas.

Specific Types of Auto Insurance in North Carolina

There are different types of auto insurance available in North Carolina depending on your particular situation and needs.

  • Non-Owners Coverage
  • Car Insurance
  • Insurance for Teen Drivers

How to Get the Cheapest North Carolina Car Insurance Policy

You may be able to lower the cost of your premiums in the following ways:

 

  • Ask about available discounts for good driving habits, anti-theft devices, multiple cars on one policy, bundling your car insurance with your homeowners or renters policy, automatic or online payments and driving a hybrid or electric car
  • Compare quotes from a variety of providers on this website
  • Eliminate unnecessary coverage
  • Check to see if you qualify for any low-cost auto insurance program your state may offer

North Carolina Car Insurance Premiums

Auto Insurance Quotes NC premiums are regulate by the North Carolina Department of Insurance. Insurance companies are allow to charge premiums and award discounts based on a number of factors that can include:

  • The type of car you are insuring
  • Your gender
  • Prior auto insurance coverage
  • Your age
  • How much you drive
  • Your driving record
  • Your geographic location
  • How long you’ve been driving
  • Your marital status
  • Whether or not you use your car for business

How much does car insurance cost in North Carolina cities?

Rank City Avg. Annual Premium
1 Fayetteville $914
2 Jacksonville $882
3 Charlotte $824
4 Gastonia $795
5 Durham $781
6 Wilmington $773
7 Greensboro $771
8 Cary $757
9 Raleigh $752
10 Goldsboro $750
11 Huntersville $749
12 Greenville $745
13 Wilson $739
14 High Point $738
15 Indian Trail $738
16 Rocky Mount $733
17 Apex $732
18 Hickory $725
19 Chapel Hill $710
20 Winston Salem $702
21 Salisbury $698
22 Burlington $685
23 Concord $683
24 Kannapolis $683
25 Asheville $674

 

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