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Get The Best North Carolina Car Insurance

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If you live in the Tar Heel State, we can help you find cheap car insurance in North Carolina that keeps you protected.

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North Carolina has a vast pool of auto insurance providers as diverse as the state’s landscapes. With so many options, finding the best North Carolina car insurance can be overwhelming. To give you a head start, we’ve researched the best car insurance companies and explained our favorites below.

By shopping around, you should be able to find a reliable and trustworthy provider that also offers affordable car insurance rates in North Carolina. Enter your zip code below to start comparing quotes.

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In this article:

North Carolina Minimum Coverage Limits

Each state dictates the required auto insurance coverage for drivers. Typically, if you don’t have the state minimum, you could find yourself in hot water if you’re in an accident or pulled over by the police. The minimum required by states usually includes some combination of bodily injury liability and property damage liability insurance.

In a few states, uninsured motorist coverage, underinsured motorist coverage, and personal injury protection (PIP) are also required. After choosing the state-required insurance coverage, you have the option to add on additional protections.

The North Carolina Department of Transportation dictates the required coverage limits of drivers in the state.

  • Bodily injury liability: $30,000 per person/$60,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured/underinsured motorist bodily injury: $30,000 per person/$60,000 per accident
  • Uninsured/underinsured motorist property damage: $25,000 per accident

The first two North Carolina auto insurance limits relate to the damage caused to others and their property during an accident where you’re at fault. The other two cover damage done to your vehicle by an uninsured motorist.

If you want additional protection for your vehicle, medical bills, and other related expenses, you will need to add that coverage to your policy. We recommend this approach, if you’re financially able. Why?

Because North Carolina is an at-fault state, you’re responsible for any accident you cause. If damages exceed the amount your insurance covers, you will be held personally liable. That’s one reason why it’s not always wise to have just the minimum coverage car insurance in North Carolina.

Consider carrying some of these coverages, as well:

  • Comprehensive
  • Collision
  • Medical payments
  • Gap insurance
  • Rental car reimbursement
  • Roadside assistance

If you choose to drive without auto insurance in North Carolina, you could face serious consequences. You could have your license plates revoked, as well as deal with fines, civil penalties, and other fees.

Best North Carolina Auto Insurance Providers

In our search to find the best car insurance companies, we found some that offer cheap rates to North Carolina drivers. To pick the best overall, we have to look beyond the price. It’s also important to consider the company’s reputation, customer reviews, and independent rankings.

We also took the time to evaluate the available car insurance discounts and additional benefits the provider offers. After doing this, we feel confident that these two companies have insurance policies to meet most needs.

 Overall Star RatingAM Best Financial Strength RatingJ.D. Power Auto Claims Satisfaction Score

Top Pick: Geico

4.5

A++

879 / 1,000

Runner-Up: Progressive

4.5

A+

856 / 1,000

Geico (Government Employees Insurance Company) started in 1936 as a way to provide cheap auto insurance to government employees. Since then, the provider has morphed into one of the largest in the industry, and now insures just about anyone.

Many people assume that the company has some of the highest rates, simply because of how big it is, but that’s not the case. In fact, our research shows that Geico car insurance has some of the lowest rates in the state.

When it comes to finding a provider with a solid reputation, Geico has many other companies beaten. J.D. Power performed some independent studies and ranked Geico with decent scores in the 2019 U.S. Auto Claims Satisfaction StudySM. The company also has an A- rating from the Better Business Bureau (BBB). Here’s what one customer wrote on Trustpilot about his claims experience with Geico:

“Affordable insurance rate. I previously have used Geico for my three different autos at low price. They did [pay] all my medical bills after I got in an accident in 2016.”

–Cody Pomeroy

Aside from a solid reputation, Geico offers some unique policy add-ons. You can choose from:

  • Glass coverage: Opt for full glass protection in the event that a storm, road debris, or other object causes damage to the automotive glass.
  • Belongings protection: If your vehicle is broken into, you can receive additional compensation for the items that were inside.
  • Roadside assistance: This coverage provides towing, lock-out, fuel delivery, jump-starts, and other emergency services.
  • Accident forgiveness: After an at-fault accident, you can keep your current rate in place.
  • Rental car coverage: If your vehicle is in the shop because of a covered repair, your coverage will provide or reimburse you for a rental car.

It’s typical to consider Progressive auto insurance when thinking about industry leaders. While the company is one of the major players in the industry, it also provides some of the lowest rates for good drivers in North Carolina.

For the most part, you will pay more to go with Progressive over Geico, but many motorists prefer the company and the service. Also, the only way to know for sure is to get quotes from both providers.

The BBB rating for Progressive is an A+, which is a little higher than Geico’s. On the other hand, it didn’t score as high as Geico or other industry leaders in J.D. Power’s Auto Claims Satisfaction Study.

“My parked car was hit by a hit-and-run driver. A person who witnessed the accident got the license plate of the fleeing vehicle. They had Progressive Insurance, and the agent came to my house, looked over the damage and wrote me out a check on the spot. I was very pleased and impressed with the amount and the promptness of Progressive to respond.”

–via BBB

As far as additional coverage is concerned, you have several options available from Progressive, including:

  • Gap insurance: If your vehicle is considered a total loss, Progressive will cover up to an additional 25 percent of the current value of the vehicle to help you pay off the loan or lease.
  • Roadside assistance: This plan provides towing, flat tire changes, lockout service, fuel delivery, and similar emergency services.
  • Rideshare coverage: Most apps only cover the driver while in the process of transporting passengers with Uber or Lyft, leaving them vulnerable while waiting for a job. Progressive covers the interim for complete protection.
  • Rental car reimbursement: Rental vehicles are partially covered when your car is in the shop because of a covered loss.
  • Custom parts and equipment: If you have aftermarket components on your vehicle, Progressive will pay for the damaged equipment if it occurred during a covered incident.

Enter your zip code below to start comparing quotes for car insurance in North Carolina.

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Some drivers can’t get typical North Carolina auto insurance because of a poor driving record, DUIs, or bad credit. For these drivers, there’s still a chance to get behind the wheel with coverage from the North Carolina Reinsurance Facility.

While this organization will help high-risk drivers get behind the wheel of a car, it should be seen as a last resort. Policy premiums are incredibly high, and you can find better car insurance options in North Carolina if you do a little digging.

Driving In North Carolina

According to Statista, there are more than seven million licensed drivers on the roads in North Carolina. With numbers like this, it places eighth in most drivers among the fifty states.

Teen drivers in North Carolina can get a learner’s permit at the age of 15. Once the teen reaches 16 years old and has completed a driving course, he or she can receive a limited provisional license. With this license, the young driver may not operate a vehicle from 9:00 PM through 5:00 AM EST. In addition, there can’t be more than one passenger in the vehicle under the age of 21, unless the occupants are family members.

North Carolina Car Insurance Costs

The state ranks as having some of the best road conditions in the nation, according to a study by Reason Foundation. That may be part of the reason that the rates for car insurance in North Carolina are some of the most affordable in the country. The Insurance Information Institute found North Carolina car insurance costs to be the sixth lowest when compared to other states, with $705.56 as the average expenditure.

Save Money On Auto Insurance In North Carolina

While finding the cheapest North Carolina car insurance starts with the company you choose, there are other ways to keep the rates low. Start by getting multiple quotes online and comparing coverage. You also want to consider these ways to lower your premiums.

  • Drive safely: If your driving record remains clean, you have a better chance of getting a lower rate for North Carolina auto insurance. Some providers also offer a discount for staying accident-free. If you want to participate in a safe driving monitoring program, many insurance companies offer this as well. You can get additional discounts by allowing the company to monitor your driving habits by using an app.
  • Look for discounts: Insurers normally provide a list of available discounts. Bundle your policies, insure multiple vehicles, and maintain good grades in school for your best shot at getting a price break.
  • Maintain good credit: In North Carolina, it’s acceptable for insurers to evaluate your credit score to determine trustworthiness and reliability. If you pay your bills on time, you could receive a better insurance rate by default.
  • Play with the deductible: You can pay less for your North Carolina car insurance by increasing the deductible. Remember, you will have to pay this amount during a covered incident, so don’t make it so high that it will hurt you financially after an accident or loss.
  • Choose another vehicle: Your car, truck, or SUV factors into the insurance price. If you drive an expensive luxury car with hard-to-find parts, you will pay more than the next guy. If you aren’t sure how much you will spend after buying a car, it helps to do your research before signing on the dotted line. Ask for insurance quotes on potential vehicles to help determine what it could cost.
  • Shop around: Many drivers stick with one car insurance provider for years. While nothing is wrong with that approach – in fact, the company may provide a loyalty discount – you could end up saving by shopping around. We recommend getting at least three quotes for auto insurance in North Carolina. Enter your zip code below to see what providers are available near you.

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‘There is no new normal’: Worcester small business owner pivoted during COVID-19 and expects only more change after pandemic

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It took about eight minutes for the bank to reject Natalie Rodriguez’s application for a loan through the Small Business Administration.

Rodriguez opened Nuestra, a Puerto Rican inspired restaurant in Worcester, in January of 2020. When COVID-19 arrived months later she discovered Nuestra wasn’t eligible for the federal or state funding that thousands of other establishments received.

To qualify, restaurants were required to show payroll and salary for years before 2020. Those figures didn’t exist for a restaurant that weren’t open in 2019.

“[I was] determined and knew that ‘no’ is not an OK answer,” Rodriguez said. “A door may close but you may need to kick down another door.”

Rodriguez then applied for conventional loans only to be led to more closed doors. Less than 10 minutes after applying for an Economic Injury Disaster Loan, she received notice that her poor credit score resulted in her application being denied.

Rodriguez used the dead end with the SBA to create a new path for herself and Nuestra.

She not only learned how to improve her credit but wanted to ensure others didn’t have to follow her journey as an entrepreneur.

Rodriguez extended the “Nuestra” brand to include financial advising. She started Nuestra Financial in April of 2020.

“Now I’m helping others. I’ve been able to restore my credit,” Rodriguez said. “I’ve been able to help others restore their credit and be able to help them make a business themselves if they so choose. I’ve been able to survive.”

Without grants and other funding, Rodriguez managed to keep her restaurant open through funds generated from Nuestra Financial.

“I was very quiet about it in the beginning. I didn’t want people to be like, ‘Oh look at this girl, she just opened a restaurant in the middle of a pandemic,’ and talk smack,” Rodriguez said. “About a month or two later, a light bulb hit and I was like, nobody pays my bills but me. I needed to mind my own business and not worry about what other people thought.”

In creating Nuestra Financial, Rodriguez said she’s helped Worcester residents restore their credit and purchase new vehicles and homes.

Rodriguez said financial literacy is rarely taught to children in school and wasn’t something she learned. When a situation arises like a rejection notice for an economic disaster loan, many don’t know how to respond or where to find answers.

Rodriguez said she’s helped young and old people, along with those who have bad credit or no credit.

“We lack the confidence, including myself, because we weren’t taught,” Rodriguez said. “So if you don’t know something, you weren’t taught, you’re not going to be confident about it.”

Coming out of the pandemic, Rodriguez remains confident about both her businesses. Nuestra, the restaurant, while closed for daily service continues to provide catering services. Rodriguez is still preparing what the future holds for the restaurant but plans to announce an update soon.

As masks start to become less a part of daily routines, Rodriguez, as a small business owner, doesn’t envision many differences from this year to last.

So many aspects of life remain uncertain from rising food costs to a potential third booster for vaccines and whether the country will ever reach herd immunity for COVID-19.

The pandemic arrived with Rodriguez immediately pivoting. As it approaches its potential end, Rodriguez will continue to do what helped her to navigate it.

“I feel like there is no new normal just yet,” Rodriguez said. “I think we’re all just trying to adjust and pivot at the same time and getting creative. I think it’s where we all are.”

Related Content:

Owner of Worcester’s Nuestra restaurant, closing due to COVID impact, has something she’d like to say to Gov. Baker

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Columbus Mattress Wholesale moves to newer, larger Gahanna store

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More than four years back, Cathryn Clark’s boyfriend, Christopher Robbins, was on the hunt for a new mattress. He just couldn’t find one at an affordable  price. 

Clark, 29, and Robbins, 34, who are now engaged, were living in Franklinton, where they still live today.

They had no experience owning or operating a small business; Robbins worked as a retail assistant for SAS Retail Services while Clark worked as the communications director for two Methodist churches. 

But in 2017, Robbins, with Clark at his side, took the leap and opened Columbus Mattress Wholesale on the West Side, with the goal of  helping low-income consumers secure mattresses and other bedtime products.  

“We really wanted to bring a store to people that, you know, they weren’t paying an arm and leg, but they still could get a good night’s sleep,” Clark said.

Customers at Columbus Mattress Wholesale can pay cash or credit, for example, but the business also works with financing companies that serve people without credit scores, with bad credit or who are lower income. 

Last month, the business made a big move. It expanded from its original location on Harrisburg Pike to a store double the size at 435 Agler Road in Gahanna.

Clark said she and Robbins saw a need in the broader area, with many of their customers coming from outside the Hilltop, such as Linden.

Nestled between Dollar Tree and the Ohio BMV in Gahanna, the new storefront opened Memorial Day weekend and sells mattresses, bed bases, bed frames and pillows. Mattress prices range from under $100 to more than $1,000, depending on the size and brand, which includes some well-known names such as Serta, Beautyrest and Casper.

Clark said while she and Robbins originally sold solely Ohio-based brands, they’ve branched out to national brands as business has grown.

Columbus Mattress Wholesale also offers free same-day delivery on most orders from customers living in Columbus. 

Clark does a little bit of everything for the business, from running communications, to working on the sales floor, to managing the sales team, to ordering what they sell. 

She said a big mission for herself and Robbins, beyond doing business, is aiding the community.

“We’ve seen a lot of people struggle,” Clark said.

Clark said she and Robbins work to mentor other people who are hoping to open or currently own a small business. She added that the store starts employees at $17 per hour.

She and Robbins haven’t decided yet what they will do with the original location — which is currently closed — but said they might shift it into an accessory store.

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@SarahEDon

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A Guide to Getting Mobile Deals with Bad Credit History

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You’re interested in a new mobile deal but there’s only one thing that’s stopping; you’ve got a bad credit history. Does that mean that your hopes of getting a new phone contract are crushed? Well, not exactly. In this article, you will learn how to get a mobile phone with no credit check required and how you can navigate the issue to get a great deal even with bad credit history.

Why is a bad credit history a big deal?

When taking a new phone contract, it means you’re entering into a financial agreement that requires you to make payments in monthly installments. As such, many providers of the service will want to ensure that they’re entering into an agreement with someone who will pay the agreed amount without violating the terms.

The best way for them to have that assurance is by looking into the credit history of the client. But does it necessarily mean that if you’ve got a bad credit history you can’t honor your side of the bargain in a phone contract? Of course not; which is why this article gives you the options you can pursue to end up landing a pretty impressive deal.

Although you might not find a deal that includes the latest devices in the market, you’ll not lack a relatively cheaper but functional option. For instance, if you’re a great fan of the iPhone, you might end up landing the iPhone XR instead of the latest release of iPhone 12. When the deal is cheaper, you stand higher chances of success as opposed to one that just dropped in the market and so it’s in high demand.

Another alternative is to find a contract that comes with a used handset as such tend to be less strict in terms of credit history requirements. That means you’re likely to pass the test of a contract with an already used gadget as opposed to that of a brand new phone.

Another alternative could be to go for SIM only deals especially if you already have an alternative source for a handset. Most of the providers won’t require you to sign any contract and so they’ll not look into your previous credit history. SIM only deals tend to be intensive on minutes, texts and data offers.

Networks that favor people with bad credit

There are networks that are more lenient to people with bad credit history than others. Major networks including Vodafone, O2 and EE usually come with strict requirements that might only frustrate you. The following are the alternatives you could consider looking into:

Smarty:The company offers SIM only plans that don’t require you to sign any contract. If you have an alternative handset, this could be a great alternative to consider as they won’t do a credit check on you. Their services and offers run on a monthly rolling basis which means you can walk away at any time in case you’re dissatisfied with the quality of service you’re getting. Their deals start at 2GB of data and unlimited texts and calls at a cost of £5 to unlimited calls, texts and data for £16.

Giffgaff:You won’t be subjected to a credit test here as well during sign up for one of the packages that the network offers. You’ll be required to sign up for a monthly bundle of your choice that’s inclusive of calls, data and texts. You can proceed with the same plan or switch to a new one after the month is gone. Most of their deals start at £8 a month.

VOXI:The network has numerous offers that operate on a 30-day rolling basis. They also won’t bother performing a credit check on you as it has no use in the first place. A bonus with this network is that they won’t include the social sites you frequent in their data charges.

Mobile phone to go with a SIM only deal

The SIM only deals we’ve highlighted above means that you’ll need to have a separate handset. In case you don’t have one already, you can take a separate mobile phone contract to go with your preferred SIM only deal. The other alternative is to buy one outright. But in case you don’t have money to make the purchase, you can always save up and buy when you’ve accumulated enough.

Some great smartphones that are classic and yet won’t put a huge wall in your pocket. Coveted brands such as iPhone and Samsung have great devices such as the Samsung Galaxy A52 5G that goes for £349 and the iPhone SE valued at £399. As you can see, with some savings, you should be able to get your hands on these gadgets and many others out there. And if you feel that these cost on the higher side, you can opt for refurbished phones. Refurbished phones refer to those handsets that have been used but have undergone intensive testing to ensure they still have got higher functionality.

When do credit checks apply?

Credit history is required by providers that have a mobile phone that requires a payment plan spanning several months or years. In most cases, the major network providers including EE, O2 and Vodafone will do a background check on your credit check before allowing you to sign up for their deals. Some factors that might make you have a poor credit rating is when you’ve missed several months’ payments, made late payments or placed too many credit applications concurrently.

Want to improve your credit rating?

The following are several steps you could consider to help you improve your credit rating. Most of these revolve around efficient management of your money, bills and other forms of payments.

  • Have a proper and functional bank account
  • Pay all your outgoing bills on or before the due dates
  • Ensure you’re registered on the electoral roll
  • Don’t share your account with a person with poor credit rating

That’s how you can work out things to get mobile deals even if your credit history isn’t a good one. But going forward, the best action plan would be to work towards improving your credit rating so that you can take advantage of the opportunities that come up in future.

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