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This page details the latest info pertaining to auto insurance premiums in the state of North Carolina.
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 in personal injury protection, $60,000 in multiple injury protection, and $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 coverage for each vehicle owned in America, as well as Uninsured Motorist Insurance (UMI), to fully cover the real costs of auto accidents.
Cost Car Insurance
Here are several 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 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 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 like Allstate, Encompass, Geico, Liberty Mutual, State Farm, and 21st Century Insurance.
Still, others 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 free quote from each agent.
Then, get free 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 hundreds of dollars a year on car insurance.
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