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North Carolina Car Insurance for Bad Credit Drivers

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Mark Steinbach

By: Mark Steinbach

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Cheapest Companies for Drivers With Bad Credit in North Carolina (2022)

For drivers with bad credit in North Carolina, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

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 car insurance for drivers with bad credit in North Carolina.

Bad Credit Car Insurance in North Carolina

As one of the biggest states in the South, North Carolina has a rich culture and history. But whether you're hitting the road on the way to classic North Carolina barbecue or you're off to a tailgate for your favorite NC college sports team, you'll want affordable auto insurance. Will a bad credit score get in the way of that?

Unfortunately, North Carolina is one of many states that factor in your credit score when determining your car insurance rates. No, credit isn't the only thing that car insurance companies take into account. But credit is one part of your larger driver profile and may lead to higher rates if your score reflects poorly on your credit history.

North Carolina Car Insurance Rates for Bad Credit Drivers

Excellent
$111
Good
$127
Average
$131
Poor
$143

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in North Carolina?

Having a low credit score in North Carolina will raise your car insurance rates by an average of about 15 percent—which comes out to roughly $19 per month. This adds up to over $200 over the course of a year.

Fortunately, North Carolina already boasts some of the lowest average car insurance rates in the nation. While no one wants to add another $20 to their rate, North Carolinians with bad credit still pay some of the lowest car insurance rates in the country.

Avg. Monthly Cost - for Drivers with Good Credit
$124
Avg. Monthly Cost - for Drivers with Bad Credit
$143
$19 ▴
15.32% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates

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Can I Get Car Insurance With No Credit Check in North Carolina?

In North Carolina, it's legal for car insurance companies to take a look at your credit score before determining your car insurance rate. So you'll most likely undergo a credit check if you're shopping for car insurance in North Carolina.

But you still have options even if your credit history is far from perfect. A few local car insurance companies in North Carolina offer affordable rates for those with poor credit scores. Or you could look to a national insurance carrier like GEICO, which many drivers say offers reasonable rates for drivers with bad credit.

North Carolina Car Insurance Rates by Credit Tier

In North Carolina, car insurers are allowed to check your credit before offering you a car insurance rate—which is why it's no surprise that those with excellent credit pay the least ($111 per month) while those with poor credit pay the highest prices ($143 per month). Meanwhile, those with good or average credit pay around $130.

Credit TierAvg. Monthly Cost
Excellent$111
Good$127
Average$131
Poor$143

Car Insurance Rates With Bad Credit in North Carolina Cities

North Carolinians are lucky when it comes to car insurance—even when their credit isn't great. But those in the state capital are especially lucky, as Raleigh residents with poor credit pay a mere $117 per month on car insurance. On the higher end of things, Fayetteville residents pay a still-reasonable $159 per month on average.

CityCredit TierAvg. Monthly Cost
CharlottePoor$149
FayettevillePoor$159
RaleighPoor$117
GreensboroPoor$138
WilmingtonPoor$123
GastoniaPoor$143

Tips for Researching Bad Credit North Carolina Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like North Carolina draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

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FAQs - North Carolina Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county North Carolina. Insurify analyzed the latest data for the five most populous cities in North Carolina to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in North Carolina and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

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.

Mark Steinbach
Mark Steinbach

Content Writer at Insurify

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

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