North Carolina Car Insurance Calculator

North Carolina Car Insurance Calculator

North Carolina Car Insurance Calculator

Car insurance costs vary widely throughout North Carolina, with Raleigh, Charlotte and Greensboro generally having higher premiums than other parts of the state. Many factors contribute to your premium costs including driving record history, adding a teenage driver onto your policy, and the type of coverage chosen.

As you are determining your coverage needs, start with what your state minimum requirements are. For instance, North Carolina mandates 30/60/25 car insurance which protects up to $30,000 in bodily injury liability per person and $60,000 per accident for property damage liability per accident. It may also be worthwhile considering comprehensive and collision coverage which protect your vehicle regardless of who was at fault in an accident.

Driving history plays an essential part in calculating your rate; more claims on your record means more expensive auto insurance premiums. A clean driving record can keep costs low; for those with less-than-stellar records, shopping around can save money. Different companies weigh rating factors differently and could provide significantly cheaper policies than another option for you.

Credit scores are another key rating factor, and drivers with lower credit scores will typically pay more for car insurance. To reduce your car insurance expenses if you have poor credit, the best way to save is to shop with companies such as Jerry who specialize in providing coverage to drivers with poor credit, such as Jerry. Nonetheless, you could still reduce minimum coverage costs by shopping around and finding companies who do not specialize in high-risk drivers like yourself.

Your vehicle makes and model are also key factors in determining your North Carolina car insurance rates, with luxury models often costing more than standard ones due to being more costly to repair and more likely to be stolen or damaged, which drives up premiums accordingly.

Location can also play an influential role in North Carolina car insurance rates, as it determines the level of risk your area faces. For example, areas with higher populations are more prone to accidents and thefts while weather patterns can impact how dangerous driving conditions are.

Comparing quotes is the ideal way to find affordable car insurance in North Carolina, but you can even further reduce costs by bundling auto and home policies with the same company – typically yielding at least 15% discounts! Our online calculator will give an estimate of what car insurance costs from various providers; should any questions arise our friendly and knowledgeable team is always more than happy to assist!