Drivers in North Carolina generally pay lower premiums as compared to the national average. You can get the best car insurance in NC online. When we analyzed the different rates, we saw that the cheapest auto insurance company in North Carolina is almost 50% less than the car insurance company which was the most expensive. North Carolinians on an average have the cheapest car insurance rates as compared to other states in the country. You will need to find the best car insurance in NC in the same way as you would in other states i.e. check multiple insurers, understand the discounts and compare quotes.

You can explore the Old North State well right from the Outer Banks to Ashville when you cruise in your car through North Carolina. You may be commuting to work on the smooth interstate highways or you may be checking scenic byways on a holiday. Either way, make sure that your car is covered with the best car insurance in North Carolina and choose from the best car insurance companies in the United States.

When it comes to getting car insurance in North Carolina, you need to make sure that the insurance covers the minimum mandated by the state. That way you can get the rate that of the best car insurance in North Carolina while meeting the mandatory requirements of the state. I have mentioned below the minimum coverage that you will need in North Carolina:

$30,000 per person for bodily injury coverage

$60,000 per accident for bodily injury coverage

$25,000 per accident for property damage coverage

When you check online, you may see these numbers shortened to 30/60/25. The minimum coverage in NC is higher than most states but it is always good to take the highest amount of coverage you can afford. This is because the minimum may not be enough in case of a serious accident.

North Carolina makes it mandatory to have underinsured and uninsured motorist coverage. This will help you if you get into an accident which is due to a driver who doesn’t have the necessary amount of insurance or is not insured at all. Even if the accident costs more than the minimum of an underinsured driver, your insurance company will foot the difference.

Make sure that you get a fair amount of coverage though. This is because even if you are underinsured and the insurance company of the other person covers the difference if you are at fault, you can be sued for the difference amount.

Factors that Determine Best Car Insurance in NC

In terms of location, in general, Asheville, Mebane, and Winston Salem have the cheapest car insurance. Fayetteville, Whiteville, and Raeford have the highest insurance premiums. Along with the location, many other factors like the model, make and age of your car are important. Your insurance premium amount will change depending on your age and driving record too. That is why it is best to get a range of quotes from various insurance companies.

Types of Coverage for Best Car Insurance in North Carolina

You can choose from the list of coverage options which include underinsured and uninsured motorist coverage. As mentioned above, it makes sense to take adequate protection against an accident with an underinsured and uninsured motorist. You can also collision coverage, auto liability coverage, personal injury protection, comprehensive coverage (which help you to buy a new car), and medical payments coverage. Depending on what you choose and the amount of coverage, your insurance rate will differ. Finally, when you finalize on the insurance company, make sure that you check NAIC (national association of insurance commissioners) for reviews and ratings. The ratings are unbiased. It is easy to check reviews online but most of them will be from disgruntled car owners as happy car insurance owners rarely post reviews online.

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