Compared to the national average, car insurance rates in North Carolina are among the cheapest in the country. Car insurance companies offer varying average rates for their policyholders, and some offer cheaper prices than others. Full-coverage car insurance policies are the most expensive, but they provide much more protection, since they cover your own vehicles against accidents, thefts, natural disasters, and collisions with animals. Before becoming an insurance writer, she worked as a legal assistant in the field of personal injury law and as a licensed sales producer at several insurance agencies.
If you regularly drive a vehicle that you don't own, you may be a good candidate for car insurance for people who don't own them. Since young drivers and first-time drivers are considered a high-risk category due to lack of experience, car insurance rates for these drivers are equally high. People in North Carolina with excellent credit scores pay lower premiums than drivers with lower credit scores. Individual insurance rates vary depending on factors such as the insurance provider, the coverage chosen, driving history, marital status, credit history, gender, age, type of vehicle, and location in the state.
Auto insurance rates fluctuate city by city across the state of North Carolina in relation to area-specific factors, such as population, crime rates, climate, and climate. The cheapest option in North Carolina for both a minimum-coverage auto insurance policy and a full-coverage policy is Nationwide. The low rate of uninsured drivers in the state and the low incidence of vehicle thefts and natural disasters in North Carolina help keep rates low. In North Carolina, high-risk drivers pay more for car insurance than other drivers because they are considered to be at higher risk.
If you're new to the state looking for auto insurance coverage, or if you've lived in North Carolina for years and want to know how much car insurance costs in North Carolina, you can find the information you need here. North Carolina drivers pay less than the national average for both full coverage and minimum coverage, despite having busy roads and relatively high minimum insurance requirements.