When you’re shopping for car insurance, there are several factors to consider. These include the type of coverage you need, the company offering it, and your driver’s record. Our North Carolina Car Insurance Calculator helps you estimate your coverage needs and compare quotes from leading insurance companies so that you can get the best price for your policy.
The Cost of North Carolina Car Insurance
In North Carolina, you need to have liability insurance to cover damages caused by an accident. This coverage pays for medical costs, property damage, and other losses. In addition, you need to carry uninsured motorist coverage, which covers you if you are in an accident with someone who doesn’t have any insurance.
Your driving record determines how much you will pay for car insurance in North Carolina. In general, drivers with bad driving records — such as speeding tickets and DUIs — will have higher rates than drivers with clean records. In fact, in North Carolina, drivers with a poor driving record can expect to pay an average of 4x as much for insurance as those with a good driving record.
You should also be aware that a single ticket can cause your North Carolina car insurance rate to rise by 25%. You can take steps to lower your rate by avoiding accidents, improving your credit score, and taking driver’s education classes.
Getting a quote for car insurance in North Carolina is as easy as entering your information into our online tool. It will then use your driving history to provide you with a personalized list of rates.
The cheapest insurance providers in North Carolina are USAA and GEICO. These providers are both below the state’s average rate, and they offer a variety of coverage options to fit your budget.
When comparing car insurance companies, be sure to consider the carrier’s customer satisfaction rating. In addition, make sure that you are getting a quote from the same provider you have your home, life or business insurance with.
North Carolina Car Insurance Required Limits
In North Carolina, you are required to have liability insurance that carries minimum limits of $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage. You can purchase higher limits for additional protection.
Your North Carolina car insurance rates can vary based on your zip code and the population density of your area. This is because insurance companies assess risk differently in each region.
The amount of car insurance you need depends on many factors, such as your vehicle’s value and how long you drive each year. Our car insurance calculator will help you estimate how much coverage you need based on these factors, as well as the state’s requirements for liability and other types of car insurance.
Our car insurance calculator also takes into account your current state’s auto insurance requirements and other life events that may affect the amount of coverage you need. Moving, buying a home or becoming a parent all increase your exposure to risk and require different types of coverage.