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Cheap Auto Insurance Quotes in North Carolina (January 2022)
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Overpaying for car insurance in North Carolina?
Charlotte, North Carolina's most populous city, melds dazzling cityscapes with scenic drives amongst the mountains.
Midvale Home & Auto
For drivers in North Carolina, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.
To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in North Carolina. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in North Carolina.
For drivers in North Carolina, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in North Carolina. The following are the best insurance rates from carriers that offer full coverage auto insurance in North Carolina.
Proof of insurance must be carried in your car at all times and must available when:
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by North Carolina state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by North Carolina law.
The state minimum amount of property damage liability coveragerequired in the state of North Carolina is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
is legally required in North Carolina to cover damages and lost wages to drivers and passengers involved in an accident with an uninsured/underinsured at-fault driver.
North Carolina Farm Bureau
Farm Bureau Financial
North Carolina Farm Bureau
North Carolina Farm Bureau
At the DMV, North Carolina residents can access services like driver’s license and identification card registration and renewal, vehicle registration, and license plate pick-up, as well as insurance information and services provided by the North Carolina Department of Insurance.
Every office is open weekdays from 7 AM to 5 PM, with some locations offering additional early-morning and weekend hours. The DMV is notorious for long lines and wait times, but some services are available online and via U.S. Mail for convenience. For the shortest wait times, avoid planning your visit on Mondays and Fridays or during lunch hours, and make an appointment ahead of time by calling 919-715-7000.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how North Carolina drivers measure up to their fellow motorists across the United States in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Among all fifty states, North Carolina drivers rank 11 in the number of car accidents per driver.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. North Carolina drivers rank 27 in the number of speeding infractions per driver across all fifty states.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. North Carolina drivers rank 28 in the number of DUI’s per driver across all fifty states.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in North Carolina is the Honda Accord.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, North Carolina drivers rank 17 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; North Carolina drivers rank 30 in clean driving records across all fifty states.
Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, North Carolina drivers rank 27 in street racing violations per driver.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. North Carolina drivers rank 27 in failure to yield violations per driver across all fifty states.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all fifty states, North Carolina drivers rank 11 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. North Carolina drivers rank 23 in hybrid and electric vehicle ownership across all fifty states.
The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.
The state of North Carolina offers many green driver incentives, including federal tax credits, rebates, and discounts through some car insurance carriers.
Jacksonville won Insurify's Most Patriotic Cities Award for the state of North Carolina. The city is home to Marine Corps Base Camp Lejeune, and Jacksonville's main migration draw is still U.S. Marine Corps families.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.