Swift Car Insurance Quotes and average Premiums

For Swift Car Insurance Quotes and Comparisons for all 50 states and Washington DC, or for top destinations, top U.S. colleges, economic data, and more, visit any of the links shown below.

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. 

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average auto insurance rates

The Average Annual Premium for Car Insurance in the state of North Carolina was $1,104 this year, well beneath the overall national average annual premium of $1,365. 

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 in Nc

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.

The number of uninsured drivers on North Carolina roads is a relatively low 6.5%. 

minimum liability coverage in nc

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. 

low cost nc 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. 

Swift Car Insurance Quotes in NC

Based on recent online consumer reviews, most North Carolina car owners choose major auto insurance providers such as

  1. Allstate Insurance
  2. Encompass Insurance 
  3. Geico
  4. Liberty Mutual
  5. State Farm Insurance
  6. 21st Century Insurance

Still, other North Carolina drivers opt for smaller carriers such as 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. 

related links

Cheap Car Insurance in YOUR State 

Compare Average Car Insurance Premiums in all 50 states and Washington DC. 

What is Comprehensive Auto Insurance?

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