Cheapest Car Insurance for Uninsured Drivers in North Carolina

This would be a much shorter article if we could just tell you the one best car insurance company that has the best insurance prices in North Carolina. It’s not that easy, however, as there are a ton of unknown elements such as if you want full coverage included, if you have any chargeable driving offenses, and what deductibles to use for physical damage coverage, that all impact the cost of coverage. This article covers the best ways to save on auto insurance and educate you enough to have a jump start in finding the best auto insurance.

When buying insurance for drivers with no prior coverage, one of the key considerations that help determine a rate quote is where you call home in North Carolina. Cities with more crime and/or more people like Fayetteville, Charlotte, and Durham tend to have more expensive auto insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates enjoy lower insurance rates.

The illustration below illustrates the highest-priced places in North Carolina for uninsured drivers to purchase auto insurance in.

Premium amounts are comparative as the vehicle garaging location can alter premium rates significantly.

The car, truck, or SUV you are seeking coverage for is one of the biggest factors when looking for the cheapest car insurance for uninsured drivers in North Carolina. Vehicles with higher performance characteristics, poor passenger safety features, or high incidents of liability claims will cost substantially more to insure than more modest models.

The next list illustrates insurance costs for a selection of the more afforable automobiles to insure.

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rates do not factor in specific location information which can raise or lower rates substantially.

Based upon these rates, you can expect cars like the Honda CR-V, Chevrolet Traverse, and Ford Escape are most likely to be a few of the most budget-friendly vehicles to insure for drivers with no prior coverage.

The illustration below shows how choosing a deductible can change insurance premiums when researching cheap insurance for uninsured drivers. The premiums assume a married female driver, comprehensive and collision coverage, and no discounts are factored in.

In the chart above, a 30-year-old driver could reduce rates by $196 a year by switching from a $100 deductible to a $500 deductible, or save $298 by changing to a $1,000 deductible. Younger drivers, like the Age 20 category, could shave as much as $422 annually by choosing a larger deductible amount.

When choosing a higher deductible, it’s a good idea to have enough savings to offset the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Discount North Carolina car insurance

Car insurance companies that sell the cheapest car insurance for uninsured drivers in North Carolina could also offer rate discounts that can lower rates by as much as 30% if you meet the requirements. A list of companies and a selection of discounts are included below.

The example below compares insurance premiums with and without discounts applied to the policy premium. The data assumes a female driver, no claims, a clean driving record, North Carolina state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with defensive driving course, anti-theft, claim-free, multiple vehicle, passive restraint, and vehicle safety discounts applied. When these discounts are applied to the policy premium, the average savings per year on car insurance for uninsured drivers is % or $.

Does State Farm, Geico, Progressive, or Allstate have the cheapest car insurance?

When buying auto insurance for drivers with no prior coverage, the companies that insure more vehicles than anyone else are State Farm, Geico, Progressive, and Allstate. All offer your standard physical damage and liability coverages, but each one has a slightly different set of options and discounts that you can choose from. The table below ranks pricing and service ratings, as well as optional policy coverages offered by each company.