Cheap Car Insurance for Government Employees in North Carolina

Trying to buy low-priced auto insurance is tough enough, and determining which companies have the most affordable car insurance rates for government employees takes even more diligence. Each auto insurer has their own process to determine premium rates, so let’s begin by taking a look at the most affordable car insurance companies in North Carolina.

It’s a good idea to be aware that North Carolina car insurance rates are impacted by many factors that may substantially change your annual premium. Events like turning one year older, becoming a homeowner, or getting a speeding ticket can cause premium changes that can cause some rates to be cheaper than competitors.

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Utica National may have some of the most affordable car insurance rates in North Carolina at around $636 per year. Progressive, Liberty Mutual, GEICO, and Penn National also are some of the most economical North Carolina car insurance companies.

As shown above, if you currently have coverage with Liberty Mutual and switched to Utica National, you could see annual savings of about $71. Customers with GEICO could save as much as $84 a year, and Penn National policyholders might see rate reductions of $89 a year.

To find cheap car insurance for government employees in North Carolina for your vehicle, click here to begin a quote or visit any of the companies below.

It’s important to note that these premium estimates are averages across all insureds and vehicles and do not take into consideration a price decrease for government employees. So the company that can offer you the best rate may not even be in the rate chart shown above. That affirms the importance of why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.

The car, truck, or SUV needing coverage is one of the largest considerations when shopping around for cheap car insurance for government employees in North Carolina. Vehicles with high performance, poor safety features, or an increased likelihood of liability claims will cost much more to insure than more modest models.

The table below outlines car insurance premiums for some of the cheaper automobiles to buy coverage for.

Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Rate information does not factor in vehicle location which can revise auto insurance rates significantly.

Based upon these rates, cars like the Honda CR-V, Hyundai Tucson, Chevrolet Traverse, Honda Accord, and Hyundai Santa Fe will be a few of the cheapest vehicles to insure for state and federal workers.

Should you buy full coverage?

Finding cheap car insurance for government employees in North Carolina is important to most drivers, and an easy way to buy cheaper insurance is to not pay for full coverage. The information below compares annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in North Carolina. The prices are based on no violations or accidents, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

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If we average the cost for all age groups, physical damage coverage costs $1,139 per year more than buying just liability insurance. That may make you wonder if you should buy full coverage at all. There isn’t a written rule to exclude full coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s assume your vehicle’s settlement value is $11,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $10,500 after paying your deductible. If you are paying in excess of $1,050 annually for full coverage, then you may need to consider dropping full coverage.