Cheapest Car Insurance in NC: Expert Reviews, Ratings, and Quotes [The News & Observer (Raleigh)]

Finding the right car insurance in North Carolina can feel like searching for a needle in a haystack. In the Tar Heel State, where scenic drives are as much a treasure as the destinations themselves, it’s crucial to ensure you’re protected without breaking the bank.

However, many residents grapple with high quotes, unclear terms, and the fear of not having adequate coverage when it’s needed most.

We’ve sifted through the myriad of car insurance providers to bring you the ultimate guide to the most affordable options, with Amica Mutual as our top pick. Dive in as we cruise through comprehensive reviews, ratings, and quotes that won’t have your wallet crying out for a pit stop.

Cheapest Car Insurance Companies in North Carolina

1. Amica Mutual - Overall Cheapest Car Insurance Company

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Overview

Amica Mutual, originating from Rhode Island in 1907, has a rich history of providing quality auto insurance services.

Why We Chose Amica Mutual

We chose Amica Mutual because it is one of the cheapest car insurance companies in North Carolina and has a reputation for excellent customer service.

The company offers a variety of discounts, including discounts for good driving records, multiple vehicles, and anti-theft devices. Amica Mutual also has a good mobile app that makes it easy to manage your policy and file claims.

Plans and Coverage

Amica Mutual doesn’t just stop at offering basic auto insurance. Their range is both comprehensive and adaptable:

Summary

Amica Mutual’s storied history combined with their extensive coverage options ensures that customers receive value for their money. Whether you’re looking for basic coverage or an array of protective add-ons, Amica Mutual stands out as a top choice.

>> Get a quote from Amica Mutual now

2. Progressive - Best Car Insurance for Discounts

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Overview

Progressive is a well-established insurance company offering an extensive range of products, from vehicular insurance like car, boat, and motorcycle to other policies for renters, homes, and life.

Why We Chose Progressive

The standout feature for Progressive is their array of discount opportunities. With multiple options to reduce premiums, from being a good student to simply getting an online quote, Progressive rewards customers in various ways.

Additionally, the unique offerings like gap insurance and rideshare insurance further accentuate Progressive’s commitment to catering to diverse customer needs.

Plans and Coverage

Progressive’s auto insurance portfolio is comprehensive, catering to almost any coverage type a customer might need:

Summary

Whether you’re a student, homeowner, or rideshare driver, Progressive has offerings with you in mind, making them a top choice for those seeking value-packed car insurance.

>> Get a quote from Progressive now

3. GEICO - Best Mobile App

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Overview

Accessible via a robust mobile app and a user-friendly website, GEICO provides a seamless experience for users looking to explore, get quotes, or manage their insurance plans.

Why We Chose GEICO

When affordability meets digital convenience, GEICO emerges as a front-runner. GEICO allows customers to effortlessly manage their policies, handle bills, or even claim services via their intuitive mobile apps. Whether you’re looking for roadside assistance or keeping track of your car’s maintenance, GEICO’s app has got it all.

Plans and Coverage

Apart from the standard insurance offerings, GEICO offers a unique feature: the mechanical breakdown coverage. This is particularly enticing for those with new or leased vehicles.

For vehicles less than 15 months old or those with under 15,000 miles, this coverage takes care of repairs to nearly all mechanical components, excluding damages due to regular wear and tear. It comes with a $250 deductible.

Furthermore, users can renew this coverage for up to seven years or until the car hits 100,000 miles, providing peace of mind for a significant duration. However, routine maintenance and tune-ups aren’t covered under this plan.

Summary

The unique mechanical breakdown coverage further adds a feather to their cap, making GEICO a comprehensive solution for both new and seasoned car owners.

>> Get a quote from GEICO now

4. Farmers Insurance - Cheapest Car Insurance for Accident Forgiveness

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Overview

Farmers Insurance is renowned for its commendable customer service and tailored policy options.

Why We Chose Farmers

Farmers Insurance has made its mark by presenting clients with a myriad of customization options for their policies, combined with consistently positive customer reviews. The slightly elevated costs are often justified by the brand’s commitment to ensuring a hassle-free claim experience.

If a tailored policy, wide range of add-ons, and smooth customer service interactions are high on your priority list, Farmers stands out as a noteworthy choice.

Plans and Coverage

Farmers Insurance provides full comprehensive coverage options, addressing a range of potential needs for car owners:

Summary

Farmers Insurance has successfully carved its niche by blending personalized policy offerings, especially its accident forgiveness and rideshare coverage, with excellent customer service. While it might not be the most budget-friendly option, the value it offers makes it a top contender for those looking for comprehensive and customizable car insurance in North Carolina.

>> Get a quote from Farmers now

5. Allstate - Cheapest Car Insurance for Claims Handling

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Overview

Allstate, a prominent nationwide auto insurance provider, is highly regarded for its efficient claims handling, offering a plethora of coverage options suited to a wide range of needs.

Why We Chose Allstate

Allstate stands out primarily due to its unique Deductible Rewards program, which provides significant discounts on collision deductibles for safe driving.

Not only can drivers benefit from an annual $100 reduction on collision deductibles for every accident-free year, but they can also earn cash back or insurance policy credits with Allstate’s Safe Driving Bonus for half-yearly accident-free driving.

Furthermore, the Drivewise program by Allstate gamifies the driving experience, allowing individuals to save money based on good driving behaviors and to earn points by completing safe driving challenges.

Plans and Coverage

Allstate’s coverage offerings span both standard and specialized insurance needs:

Summary

Allstate solidifies its position as a leading choice in North Carolina due to its unmatched claims handling efficiency. If superior claims handling and comprehensive coverage options are your priorities, Allstate is worth serious consideration.

>> Get a quote from Allstate now

Factors That Impact Car Insurance Rates in North Carolina

North Carolina, like many other states, has a variety of factors that can influence car insurance rates. Here are some simple explanations for how specific factors impact insurance premiums.

Insuring a Teen Driver

In North Carolina, adding a teen driver to your car insurance policy can significantly increase your premium. Car insurance companies view younger drivers as more likely to be involved in accidents due to their inexperience on the road.

Getting a Speeding Ticket

Speeding is a common traffic violation, and in North Carolina, it can impact your car insurance rates. When you get a speeding ticket, car insurance companies see you as a higher risk because speeding is associated with a greater likelihood of accidents.

Getting Into an At-Fault Accident

Being at fault in an accident indicates that your driving behaviors contributed to the crash. As a result, if you’re determined to be at fault in an accident in North Carolina, your insurance rates can increase significantly.

>> Get a quote from Amica Mutual now

Cheapest Car Insurance After a High-Risk Incident in North Carolina

If you’ve been labeled as a high-risk driver due to speeding tickets, at-fault accidents, or other traffic violations, it might be challenging to find cheap car insurance. Nevertheless, North Carolina has some options for high-risk drivers.

Minimum Coverage Requirements for Drivers

In North Carolina drivers are required to have a certain amount of car insurance to legally operate a vehicle. This is to ensure that if you’re involved in an accident, there’s some coverage to help pay for the damages.

Here’s a simple breakdown of the minimum coverage requirements for North Carolina drivers:

Bodily Injury Liability:

Property Damage Liability:

Uninsured Motorist Bodily Injury:

Uninsured Motorist Property Damage:

>> Get a quote from Amica Mutual now

How to Get Car Insurance in North Carolina

When it comes to car insurance, everyone wants to save money while ensuring they have the right coverage. Here’s a straightforward guide to help you find the most affordable insurance options.

Compare Quotes From Multiple Providers

Different insurance companies have varied rates and offers. By getting quotes from multiple providers, you can compare and see which one offers the best coverage at the most affordable price.

Maintain a Clean Driving Record

Your driving history plays a big role in determining your insurance rates. If you have a record filled with accidents, speeding tickets, or other violations, insurance companies will see you as a higher risk.

Take Advantage of Discounts

If you have multiple policies, like home and auto, with the same company, they might offer a discount. Young drivers with good academic records can benefit from good student discounts.

Car Insurance Discounts in North Carolina

Finding ways to save on car insurance is always a win, and in North Carolina, various discounts can help reduce your premium. Here are some of the notable discounts:

Telematics Discount

Telematics is a technology that tracks your driving behavior using a small device installed in your car or an app on your smartphone. By monitoring things like speed, braking habits, and driving times, insurance companies can assess how safely you drive. If the data shows you’re a cautious driver, you might qualify for a discount on your premium.

>> Get a quote from Amica Mutual now

Defensive Driver Discount

In North Carolina, if you voluntarily take a state-approved defensive driving course, many insurance companies will offer you a discount. The idea is that by learning advanced driving techniques and safety practices, you’re less likely to be involved in an accident, making you a lower risk for insurers.

Bundling Discount

Bundling refers to having multiple insurance policies, such as home and auto, with the same company. Insurance providers often reward this loyalty by offering a discount on the total premium.

Military Discounts

To honor the service of military personnel, many insurance companies in North Carolina offer discounts for active-duty, reserves, and even retired military members.

>> Get a quote from Amica Mutual now

Other Coverage You Should Consider

While the basic car insurance coverage is mandatory in North Carolina, there are other types of insurance that residents should consider for added protection.

Let’s explore these further:

Uninsured Motorist Coverage

Uninsured motorist coverage protects you if you’re in an accident with a driver who doesn’t have insurance or doesn’t have enough to cover damages.

Collision and Comprehensive Coverage

When it comes to car insurance, understanding the difference between collision and comprehensive coverage can help you decide what’s best for your needs.

>> Get a quote from Amica Mutual now

Umbrella Insurance

Umbrella insurance goes above and beyond the limits of your standard policies, like auto or home insurance. It’s a safety net that provides additional protection against large claims or lawsuits, ensuring your assets and savings are better safeguarded.

>> Get a quote from Amica Mutual now

Auto Insurance Laws in North Carolina: Minimum Coverage Requirements

Understanding North Carolina’s auto insurance laws can help you ensure you’re properly covered and compliant with state regulations.

Here’s a straightforward overview of the key components:

No-Fault Law

North Carolina does not operate under a no-fault insurance system. Instead, it uses the traditional “tort” system, meaning the person found at fault in an accident is responsible for covering the medical expenses, property damage, and other costs of the other party or parties involved.

SR-22 and FR-44 Policies

Navigating insurance requirements can sometimes feel daunting. Here’s a simplified explanation of SR-22 and FR-44 policies in North Carolina:

SR-22 Insurance Requirements

North Carolina stands out in one way when it comes to SR-22: it doesn’t require it.

In many other states, the SR-22 form is a certificate of insurance that proves a driver has the state-mandated amount of liability coverage on their car insurance policy. It’s required for drivers who have had certain violations, like DUIs or driving without insurance.

But North Carolina does not require SR-22 forms. If you have an SR-22 from another state and then moved to North Carolina, you might still need to maintain it based on your previous state’s laws.

>> Get a quote from Amica Mutual now

FR-44 Insurance Requirements

The FR-44 form, much like the SR-22, is a certificate that proves a driver has certain amounts of car insurance. The significant difference is that FR-44 usually requires higher liability limits than the typical state minimums or the SR-22.

But, just like with SR-22, North Carolina does not require the FR-44 form. If you are moving from a state that does have FR-44 requirements, ensure you consult with an insurance expert in North Carolina to get clarity on your obligations.

Rates After a DUI

In North Carolina, a DUI conviction can significantly impact your car insurance rates. This is because insurance companies view DUI offenders as high-risk drivers.

How Much Is Full Coverage Car Insurance in North Carolina?

“Full coverage” isn’t a specific policy you buy; it’s a mix of insurance types, including liability, collision, and comprehensive.

Here’s a general overview:

>> Get a quote from Amica Mutual now

How Much Is Liability-Only Coverage Car Insurance in North Carolina?

Liability-only insurance covers damages you cause to others in an accident. It doesn’t cover damages to your own vehicle. It’s the basic insurance required by law in many states, including North Carolina.

Here’s a simple breakdown of the costs:

When Is a Driver Required to Obtain an SR-22?

An SR-22 isn’t actually a type of insurance, but a document. It’s a certificate proving that a driver has the minimum required amount of car insurance.

Here’s when someone might need an SR-22:

What Is the Difference Between an SR-22 and an FR-44?

The SR-22 and FR-44 are both documents related to car insurance, but they serve different purposes.

While both documents verify insurance coverage, the FR-44 is associated with more stringent insurance requirements due to more serious driving offenses.

>> Get a quote from Amica Mutual now

Methodology

To ensure we pinpointed the most affordable yet reliable choice in North Carolina, we employed a systematic approach.

Here’s a breakdown of the steps we took:

>> Get a quote from Amica Mutual now

Frequently Asked Questions

Who Has the Cheapest Auto Insurance Rates in North Carolina?

In North Carolina, finding the cheapest auto insurance rates often leads individuals to companies like Amica Mutual, Progressive, GEICO, and Farmers, which historically offer competitive prices. However, the cheapest can vary based on individual profiles, including driving record, age, and more.

How Much Is Car Insurance per Month in North Carolina?

On average, residents might pay between $50 to $150 per month for standard coverage. Again, this is a general estimate, and actual prices can vary.

How Much Is Full Coverage Insurance in North Carolina?

The cost for full coverage car insurance in North Carolina ranges between $700 to $2,000 annually, depending on various factors. This is a general estimate, and actual costs can differ based on your driving history, the type of car you drive, where you live, and other criteria.

>> Get a quote from Amica Mutual now

Final Word

Finding the cheapest car insurance in North Carolina requires a mix of informed shopping, understanding your coverage needs, and maintaining a good driving record. Our top pick is Amica Mutual but the best option for you will vary based on your individual profile, including driving record, age, and more

While rates can also vary significantly based on various factors, it’s always wise to compare multiple quotes and be aware of available discounts.

Remember, the cheapest option might not always offer the comprehensive coverage you need, so it’s crucial to strike a balance between affordability and security.

Dominic Castleberry has an eclectic range of interests and obsessions spanning from aviation to cryptocurrency and cybersecurity. Originally a CPA by trade, Dom used his passion for finance to build an investment empire, succeeding due to his critical selection of loan agencies, banks, and other financial services and tools. He can be reached at [email protected]. McClatchy’s newsrooms were not involved in the creation of this content. We may earn a commission if you make a purchase through one of our links.

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