North Carolina Insurance Agencies by County

How to Lower Your Car Insurance in North Carolina (And How Insurance Companies Score You)

Trying to cut the cost of car insurance in North Carolina? Whether you’re commuting around Charlotte and Raleigh, driving I-40 across the state, or dealing with coastal storms near Wilmington and the Outer Banks, there are smart ways to keep premiums down. This overview explains how North Carolina insurers evaluate drivers — and what you can do to save money.

How Car Insurance Companies in North Carolina Score You

• Driving history – Accidents, tickets, DUIs, and prior claims impact rates.
• Insurance score – Many insurers use credit-based insurance scoring.
• Location – Rates can vary by county based on traffic density, theft, and claim frequency.
• Vehicle type – Repair costs, safety ratings, and theft risk affect pricing.
• Annual mileage – Lower mileage may qualify for discounts.
• Coverage choices – Higher limits/full coverage cost more; higher deductibles can reduce premiums.

10 Ways to Lower Your Car Insurance in North Carolina

1. Compare quotes from multiple insurers.
2. Bundle auto with home or renters insurance.
3. Maintain good credit.
4. Increase deductibles if financially comfortable.
5. Ask about telematics or usage-based programs.
6. Check all discounts (safe driver, multi-car, homeowner, good student, paid-in-full, autopay).
7. Consider liability-only on older vehicles.
8. Choose vehicles with lower repair costs and strong safety ratings.
9. Avoid coverage lapses.
10. Re-shop every 6–12 months.

North Carolina Minimum Auto Insurance Requirements

North Carolina generally requires at least 30/60/25 in liability coverage — $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage per accident. Many drivers choose higher limits for better protection.

Storms, Deer Collisions, and Comprehensive Coverage

North Carolina drivers may deal with hurricane-related flooding and wind damage on the coast, as well as deer collisions in rural areas. Comprehensive coverage can help protect your vehicle from non-collision losses such as theft, vandalism, falling objects, storm damage, and animal impacts.

Use the county list above to explore local insurance agencies in your area and compare options side-by-side.