Car Insurance for Good Drivers in North Carolina

The Zebra
July 15, 2019

Car insurance for good drivers in North Carolina

Some of the factors contributing to car insurance rates are out of your control: your gender, age, and location are important rating factors over which you don’t have much say. There are, however, factors you can more easily alter in pursuit of low premiums.

If you want to find the lowest possible car insurance rates, consider keeping your driving record squeaky clean, your credit score high, and your monthly driving mileage on the low end. Car insurance companies are willing to provide price breaks to drivers who pose the least risk. Exhibiting as little risk as possible behind the wheel — and in everyday life — can result in more affordable rates.

See below example rates from top companies for low-risk customers in North Carolina.

Car insurance rates for drivers with no citations in North Carolina

One of the best ways to ensure you pay less for car insurance is to maintain a good driving record. Insurers see good drivers as less risky customers and assign them more affordable rates. Staying on the right side of the law is a great way to cut your insurance costs.

If you're free of tickets, start your search for car insurance with GEICO, with average annual premiums of $580. That sums to $1,108less than the average car insurance rate for citation-free drivers in North Carolina.

CHEAP AUTO INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN NORTH CAROLINA
Insurance CompanyAvg. Annual Auto Insurance Rate
GEICO$580
Progressive$778
North Carolina Farm Bureau$811
Utica National Ins Group$815
Erie$859
State Farm$894
GMAC Insurance Group$957
Titan$1,011

Car insurance rates for drivers with above-average credit in North Carolina

Car insurance companies reward drivers who maintain above-average credit. If you have a credit score in the good, very good, or excellent tiers, you could receive a price cut on your car insurance premium.

If you have a "good" credit score (670-739), your top option for car insurance in North Carolina could be GEICO, providing an average rate of $580. If your credit score is even better (in the "excellent" range), GEICO might be a smart place to start your search. GEICO's rates for drivers with credit scores of 800 and up are $347 per year less than the typical car insurance rate for drivers with exceptional credit in North Carolina.

Find below a breakdown of auto insurance rates in North Carolina for drivers with good, very good, and excellent credit scores.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN NORTH CAROLINA
Insurance CompanyAvg. Annual Auto Insurance Rate
GEICO$580
Progressive$778
North Carolina Farm Bureau$811
Utica National Ins Group$815
Erie$859
State Farm$894
GMAC Insurance Group$957
Titan$1,011

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN NORTH CAROLINA
Insurance CompanyAvg. Annual Auto Insurance Rate
GEICO$580
Progressive$733
North Carolina Farm Bureau$769
State Farm$781
Utica National Ins Group$795
Erie$838
GMAC Insurance Group$957
Titan$1,001

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN NORTH CAROLINA
Insurance CompanyAvg. Annual Auto Insurance Rate
GEICO$531
State Farm$683
Progressive$691
North Carolina Farm Bureau$705
Utica National Ins Group$749
Erie$798
Titan$943
GMAC Insurance Group$957

Compare rates from top companies!

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Car insurance for occasional drivers in North Carolina

The more infrequently you drive, the less likely you are to be involved in a collision or file a claim. That’s the logic auto insurance companies use to assign lower premiums to drivers who use their cars infrequently. If you don't exceed the threshold of 7,500 miles per year, you could save some money on car insurance. Exactly how much you can save by driving fewer miles comes down to your insurance company's pricing practices.

If you're a North Carolina driver who drives only infrequently, consider GEICO, offering average annual savings of $1,108 for low-mileage clients.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN NORTH CAROLINA
Insurance CompanyAvg. Annual Auto Insurance Rate
GEICO$580
Progressive$778
North Carolina Farm Bureau$811
Utica National Ins Group$815
Erie$859
State Farm$894
GMAC Insurance Group$957
Titan$1,011

Start your search today — compare rates now!

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Car insurance rates for good drivers in North Carolina — by city

Auto insurance rates don't depend only on the state in which a driver resides — their city matters, too. Auto insurance companies rate policies by the driver’s home ZIP code, adjusting rates for the risk presented by specific locations.

Find below a summary of auto insurance rates for drivers with positive rating factors in the five most populous cities in every state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Raleigh$1,147$1,147$1,058$1,002$1,147
Durham$1,159$1,159$1,070$1,014$1,159
Durham$1,159$1,159$1,070$1,014$1,159
Greensboro$1,161$1,161$1,069$1,015$1,161
Charlotte$1,303$1,303$1,203$1,137$1,303

Find an affordable policy today!

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