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This page details the latest info pertaining to auto insurance premiums in the state of North Carolina. Look here to find the lowest rates on North Carolina car insurance.
Average Auto Insurance Rates
The Average Annual Premium for Car Insurance in the state of North Carolina was $987 last year, the 7th lowest rate among all U.S. sates, and well beneath the overall national average of $1,347.
These low rates may be due to the state's strong economy, relatively sparse population, and a preponderance of locally competitive insurance carriers.
Penalties for Driving Uninsured
On a first conviction of driving uninsured in North Carolina, the driver is faced with a fifty dollar fine and a 30-day suspended license.
Repeat violations face bigger fines and longer license suspensions, not to mention costly reinstatement fees and raised annual premiums.
Minimum Liability Coverage
North Carolina state law requires a minimum car insurance coverage of 30/60/25 per vehicle.
That means car owners in North Carolina must carry at least $30,000 of coverage in personal injury protection, $60,000 of coverage in multiple injury protection, and no less than $25,000 to cover the cost of property damage, for each vehicle owned.
Still, even with the maximum payout set at $115,000 per accident, experts insist that drivers should purchase 100/300 in injury coverage for each vehicle owned in America.
They also recommend Uninsured Motorist Insurance (UMI), to be fully covered in the event of a real auto accident.
Cost Car Insurance
Here are three sure ways in which auto owners in North Carolina can minimize their car insurance premiums.
1. Pay annual premiums up front, as opposed to month by month.
2. Live alone, or live with low-risk drivers.
3. Qualify and apply for discounts, such as good student discounts, senior citizen discounts, anti theft device discounts, vehicle safety discounts, multiple policy discounts, family discounts, and others.
Most insurance carriers advertise special policy discounts to entice the potential policy holder. Probably the biggest way to cut costs on car insurance is
to grab every possible discount.
Based on recent online consumer reviews, most North Carolina car owners choose major auto insurance providers such as
Still, other North Carolina drivers opt for smaller carriers like Direct General, Excelsior, and Erie.
Call all of the popular carriers in your area and ask about their discount programs. Get a swift car insurance quote from each agent.
Then, obtain free, swift car insurance quotes online by visiting websites like Swift Cover.
Finally, compare quotes and choose the policy with the lowest annual premiums.
That's all there is to saving as much as hundreds of dollars a year on car insurance.
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