CarInsurance.com Insights
- Car insurance calculator is a valuable tool in estimating the cost of car insurance in North Carolina.
- The average annual cost of a full coverage policy in North Carolina with liability limits of 100/300/100 is $2,638 or $220 per month.
- Minimum liability coverage in North Carolina costs around $693 per year, based on CarInsurance.com’s data analysis.
Estimating the cost of car insurance in North Carolina depends on factors such as age, driving record, ZIP code, and the vehicle you drive.
CarInsurance.com’s auto insurance rate calculator uses your basic details to estimate car insurance costs in North Carolina for three different coverage levels: Full coverage, liability only (limits of 50/100/50) and state minimum coverage. Use the calculator below to find your average insurance rates.
Car insurance calculator North Carolina: How to get auto insurance estimates
When it comes to shopping for a policy, CarInsurance.com editors recommend that you get quotes from three different companies around renewal time – every six months – or annually. Get estimates for car insurance by using an online quoting tool.
Why? Because insurance companies have proprietary rating systems, each insurer rates factors like age or driving record differently. So, if you get a ticket, one company might penalize you 5%, while another company could penalize you 20%.
What factors affect car insurance estimates in North Carolina?
Insurance estimates vary between states because of different insurance laws. In tort insurance states, the driver who caused the accident is responsible for covering the damages, and this often involves litigation to determine fault and damage costs.
Unlike tort laws, no-fault insurance laws in several U.S. states streamline the process by having each party’s insurance cover their own injury costs, regardless of who caused the accident.
Learn about the 10 most important factors that affect car insurance rates
Calculate new car insurance rates in North Carolina by car model
It’s a good idea to get car insurance quotes before you purchase a new vehicle so you can factor that cost into your overall budget. Cars with smaller engines and advanced safety features generally have lower insurance premiums, making them a more affordable option to insure. On the contrary, luxury and sports cars usually have higher insurance costs.
| Vehicle type | Average annual rates |
|---|---|
| Electric | $3,155 |
| Hatchback | $2,482 |
| Hybrid | $2,533 |
| Luxury Car | $3,468 |
| Luxury SUV | $2,964 |
| Minivan | $2,465 |
| Performance Car | $4,081 |
| Performance SUV | $3,489 |
| Sedan | $2,713 |
| Sports Car | $3,255 |
| Station Wagon | $2,746 |
| SUV | $2,307 |
| Truck | $2,308 |
| Van | $2,448 |
“The best way to get car insurance quotes is to comparison shop – making sure you are comparing apples to apples. The internet is a great resource to compare insurance products – be sure to line up the exact dollar coverage and any riders included as well,” says James Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “If you’re calling specific insurance companies, have them email written quotes to make sure there is no misunderstanding. Oftentimes, lower-cost insurance quotes don’t offer as much protection as higher-priced premiums, so it is an exercise in comparing apples to oranges.”
You can estimate your car insurance rates in North Carolina by entering your vehicle’s make and model into the calculator below.
Insurance rates by car model
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North Carolina car insurance estimates for used cars
Car insurance estimates for used cars in North Carolina are typically lower than new vehicles. Insurance rates can vary based on the car’s age, make, model and driving history. It’s important to compare quotes from multiple insurers to find the most affordable coverage for your used car in North Carolina.
Use the calculator below to determine your car insurance rates for used cars in North Carolina, depending on your vehicle’s make and model.
Average insurance rates for your used car
Calculate your used car insurance coverage needs in a few simple steps
FAQ: How to estimate car insurance rates before buying a car in North Carolina
How much auto insurance do I need in North Carolina?
How much car insurance you need depends on several factors, including financial circumstances, the car’s value and your risk tolerance. If your vehicle is leased or financed, the lender will likely require you to secure comprehensive and collision coverage, commonly known as full coverage, when combined with liability.
Every state has different minimum car insurance coverage requirements. But the minimum requirements usually don’t provide enough protection if you’re involved in an accident.
| Requirements | Coverage limits |
|---|---|
| Minimum bodily injury liability | $50,000 per person, $100,000 per accident |
| Minimum property damage liability | $50,000 per accident |
How much does car insurance cost in North Carolina per month?
North Carolina car insurance estimate for full coverage comprises collision, comprehensive and liability with 100/300/100 and cost $220 per month. For the state minimum liability, it’s $58 , and $58 for a liability policy with limits of 50/100/50.
Does your age impact how much you pay for insurance in North Carolina?
Young drivers often pay more for car insurance in North Carolina due to their lack of driving experience and statistically higher risk of getting into accidents. Insurance companies use this data to calculate risk, and this factor is built into the premiums that young drivers pay.
Additionally, young drivers are more likely to engage in risky behaviors such as speeding and distracted driving, further increasing the cost of their car insurance.
Calculate car insurance rates in your neighboring states
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 40-year-old male and female drivers carrying full coverage policies with limits of 100/300/100 and 0 collision and comprehensive deductibles. Read the detailed methodology for more information.
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