Moving from New Jersey to North Carolina? You may need to update your car insurance.
If you’re moving from New Jersey to North Carolina, you might be fixated on the primary concerns and expenses: contracting a reliable long-haul moving company, finding a house or apartment in your new state, and arranging your move across state lines.
Amidst the stress of a move, it can be easy to overlook the details. Auto insurance is just a detail, but it's crucial. To find a good deal and stay street legal, you should plan to update your policy — or find a new insurance company — when you move from one state to another.
Check out our guide to auto insurance in New Jersey versus North Carolina and make your interstate move painless. We'll cover:
You should expect to pay less for car insurance in North Carolina than you did in New Jersey. The average annual auto insurance rate in North Carolina is $932 less expensive than the average rate in New Jersey. The precise cost will depend on your coverage choice, insurance history, and your choice of insurance company.
| Location | Average Annual Rate |
| New Jersey | $1,850 |
| North Carolina | $918 |
How much you spend on auto insurance depends on your vehicle, your personal driving profile, and how much protection you want out of your policy.
If you opt for state minimum liability car insurance coverage, you will carry bodily injury, property damage liability, and medical payment coverages, in addition to uninsured/underinsured motorist coverage and personal injury protection (PIP) in certain states.
| Location | Time Period | Rate |
| New Jersey | Annual | $881 |
| North Carolina | Annual | $351 |
| New Jersey | 6-Month | $440 |
| North Carolina | 6-Month | $176 |
| New Jersey | Monthly | $73 |
| North Carolina | Monthly | $29 |
Upgrading to full-coverage car insurance will raise your premiums, but you will receive collision and comprehensive coverage levels, along with rental car reimbursement and roadside assistance. The most notable benefit of full coverage is that it covers you and your vehicle more comprehensively than does minimum liability coverage. If you are willing to spend more up front to protect your investment, full coverage could be the way to go.
| Location | Time Period | Cost |
| New Jersey | Annual | $1,679 |
| North Carolina | Annual | $798 |
| New Jersey | 6-Month | $840 |
| North Carolina | 6-Month | $399 |
| New Jersey | Monthly | $140 |
| North Carolina | Monthly | $67 |
A major determinant of your auto insurance costs is the auto insurance company you choose. Car insurance companies set rates in a variety of ways, resulting in major price variations. Location plays a role, too: some companies only sell policies within limited geographic windows, while major insurance companies shift rates by state.
When moving to a new state, it's critical to find the best cheap insurance company in your new location. Get your research started below by viewing the five most affordable auto insurance companies in New Jersey and North Carolina.
| Insurer | Average Annual Rate |
| 21st Century | $1,089 |
| Travelers | $1,168 |
| New Jersey Manufacturers | $1,284 |
| Penn National | $1,352 |
| Palisades | $1,368 |
See additional cheap auto insurance companies in New Jersey.
| Car Insurance Company | Average Annual Rate |
| Progressive | $645 |
| Utica National | $649 |
| Liberty Mutual | $714 |
| NC Farm Bureau | $723 |
| Penn National | $732 |
View more cheap auto insurance companies in North Carolina.
Although car insurance is legislated on a state-by-state level, underwriters assign rates by ZIP code to adjust for unique factors like density and frequency of car crashes. The location to which you relocate plays a big part in deciding your auto insurance rates.
The below tables show auto insurance rates in major cities in North Carolina and New Jersey.
| City | Average Annual Rate |
| Newark | $2,547 |
| Jersey City | $2,299 |
| Paterson | $2,424 |
| Elizabeth | $2,422 |
| Toms River | $1,708 |
Check out a more comprehensive list of car insurance rates in New Jersey cities here.
| City | Average Annual Rate |
| Charlotte | $824 |
| Raleigh | $752 |
| Greensboro | $771 |
| Winston Salem | $702 |
| Durham | $781 |
Looking for a different city? View more insurance rates for North Carolina cities here.
When you relocate from New Jersey to North Carolina, you’ll encounter unfamiliar driving laws, potentially different SR-22 rules, and more. Ensure your move runs smoothly with our collection of information on your new home: