Expert North Carolina Car Insurance Advice (Compare Costs & Companies)

FREE Car Insurance Comparison

 Secured with SHA-256 Encryption

Compare quotes from the top car insurance companies and save!

North Carolina Summary Stats Details
Road Miles 106,305
Vehicles Registered 7,682,387
Population 10,383,620
Most Popular Vehicle Ford F-150
Uninsured Motorists 6.5%
Total Driving Related Deaths Speeding: 423
Drunk Driving: 354
Average Annual Premiums Liability: $359.42
Collision: $293.59
Comprehensive: $136.08
Combined: $789.09
Cheapest Provider Liberty Mutual

Welcome to the great state of North Carolina! From the birthplace of flight at Kitty Hawk, to the misty mountains of Asheville, North Carolina is state on the go. Whether you call North Carolina the Tar Heel State or the Old North State, there’s a lot to love about it.

The University of North Carolina at Chapel Hill lays claim to the title of oldest public university in the country. At 6,684 feet above sea level, Mount Mitchell in the Blue Ridge Mountains is the highest peak east of the Mississippi River. North Carolina is the home of miniature golf and produces more sweet potatoes than any other state in the United States.

With the largest state-maintained highway system in the United States, you’ll need great car insurance in North Carolina.

We’ve created this comprehensive guide to help you and your family find the best. Wanna start by comparing rates? Enter your zip code above for free.

Table of Contents

North Carolina Car Insurance Coverage and Rates

One of the 10 fastest growing states in the nation, more people means more cars in the Old North State. We’ve created this guide to help you navigate car insurance, rules of the road, and other vehicular safety information in North Carolina.

– North Carolina’s Car Culture

It’s true: North Carolinians love their cars.

According to the Auto Alliance, almost 9 million vehicles are registered with the state of North Carolina. With just over ten million residents, that’s a lot.

Given that Charlotte is home to the NASCAR Hall of Fame, perhaps North Carolina’s love affair with cars shouldn’t surprise us.

So you know North Carolinians love to drive. But do you know the state’s minimum requirements for car insurance?

– North Carolina Minimum Coverage

When it comes to car insurance, North Carolina has fairly straight-forward minimum coverage requirements. These requirements seem to be working. The state is the fourth-lowest in the nation for uninsured motorists.

The table below offers the Old North State’s minimum coverage levels for car insurance.

Minimum Requirements  
Body Injury Liability - One Person $30,000
Body Injury Liability - Two or More People $60,000
Property Damage $25,000

But how do you prove you have minimum coverage?

– Forms of Financial Responsibility

North Carolina law G.S. 20-309 is pretty standard. Carry an insurance card to prove you have financial responsibility or have:

  • A surety bond in the amount of $85,000 or more.
  • Certificate of deposit of money or securities of $85,000 or more.
  • Self-insurance (if you own/lease 26 cars or more).

Additionally, it’s important to know that North Carolina takes insurance lapse more seriously than a lot of states.

There is no grace period, and insurers are required, by law, to inform the state if your insurance lapses.

If your insurance lapses, the state will then begin issuing fines:

  • First time:  $50 fine.
  • Second time:  $100 fine.
  • Subsequent times:  $150 fine.
  • Restoration fee for license plate:  $50 fee.

So if you need to change or cancel your North Carolina auto insurance, check out the state’s rules carefully.

– Premiums as a Percentage of Income

In 2014, North Carolina had an average household disposable income of $35,099, of which they spent about $768.28 on car insurance premiums.

Our research shows that North Carolinians spend slightly below the national average of their income on car insurance at only 2.19 percent per year.

CBS News “attribute[s] the relatively low cost of insurance in North Carolina to the fact that the state is more rural than most and to its court system discouraging auto accident claims, which can drive up the cost of coverage.”

Use this handy tool to calculate what percentage of income your insurance premium might be:

CalculatorPro

– Core Coverage

More and more folks are calling North Carolina home.

And as North Carolina grows, so grows the cost of car insurance in the state.

It’s always good to remember that experts agree: the better insured you are, the better prepared you will be to deal with an accident, whether or not you are at fault.

The table below provides the most recent data on average core car insurance costs in North Carolina provided by the National Association of Insurance Commissioners (NAIC). Note that this data is as of 2015, so rates will likely be a bit higher for 2019 and beyond.

Core Car Insurance Coverage Costs in North Carolina Cost
Liability $359.42
Collision $293.59
Comprehensive $136.08
Combined $789.09

– Additional Liability

North Carolina’s minimum requirements are pretty good, but having more additional liability insurance might be best for you and your family. And how do you know if a company is right for you?

We’ll cover more on choosing a company below, but right now we want to discuss researching a company’s loss ratio.

Knowing a company’s loss ratio is important in determining if they can provide you the car insurance you need.

In essence, a company’s loss ratio is how much the insurer pays out in claims compared to how much money they receive in premiums. That might sound confusing.

Check out this example: if a company spends $60 in claims for every $100 they receive in premiums, they have a loss ratio of 60 percent. Thus, loss ratios over 100 percent show an insurer is losing money. Conversely, however, abnormally low loss ratios mean a company isn’t paying out much in claims.

The National Association of Insurance Commissioners (NAIC) reports that in 2017, the national average for loss ratios was 73 percent. Our research shows that the “sweet spot” for loss ratios is between 60 and 70 percent.

North Carolina has an oddly high loss ratio for medical payment claims.

Here’s the state’s average loss ratios between 2012 and 2014:

Loss Ratio 2012 2013 2014
Medical Payments (Med Pay) 81% 81% 79%
Uninsured/Underinsured Motorist 53% 56% 53%

Though anything above minimum insurance coverage is optional in North Carolina, having stronger coverage may help you avoid financial hardship or even bankruptcy should medical or property damage bills stack up. Remember, about 9 percent of North Carolina drivers are uninsured.

– Add-ons, Endorsements, and Riders

What is your biggest goal in shopping for car insurance? We’re going to guess it’s great coverage at an affordable premium. And who can blame you?

Did you know there are a lot of cheap but powerful extras you can add to your policy to ensure you are better-covered in case of an accident or other unfortunates events?

Some good add-ons you might consider in North Carolina are:

There’s one other add-on we recommend you think about: personal injury protection (PIP). PIP, or “no-fault insurance,” covers medical bills incurred from an accident, regardless of who is at fault, who is driving, or who owns the vehicle.

– Male vs. Female Rates

North Carolina is only one of SIX states — alongside Hawaii, Massachusetts, Pennsylvania, California, and Montana — that bans companies from using gender as a factor in determining car insurance premiums.

And despite the perseverance of the idea of the gender gap in car insurance, the difference between car insurance premiums for men and women is insignificant for drivers over the age of 25, studies consistently show.

As the table below shows, however, your car insurance premium can be greatly affected by your age and marital status.

Company Married 35-year old female Married 35-year old male Married 60-year old female Married 60-year old male Single 17-year old female Single 17-year old male Single 25-year old female Single 25-year old male
Allstate $5,499.72 $5,499.72 $4,516.40 $4,516.40 $13,137.37 $13,137.37 $5,608.24 $5,608.24
Geico $2,521.28 $2,474.28 $2,482.19 $2,437.32 $4,603.65 $4,563.43 $2,212.08 $2,199.26
Liberty Mutual $1,823.22 $1,823.22 $1,886.88 $1,886.88 $3,197.53 $3,197.53 $1,823.22 $1,823.22
Nationwide $2,431.91 $2,431.91 $2,431.91 $2,431.91 $4,096.41 $4,096.41 $2,431.91 $2,431.91
Progressive $1,785.15 $1,785.15 $1,623.93 $1,623.93 $4,132.18 $4,132.18 $1,989.17 $1,989.17
State Farm $2,692.15 $2,692.15 $2,327.42 $2,327.42 $3,966.45 $3,966.45 $3,328.58 $3,328.58
Standard $2,665.43 $2,665.43 $2,644.05 $2,644.05 $4,485.32 $4,485.32 $2,735.84 $2,735.84

– Cheapest Rates by Zip Code and City

North Carolina is a diverse state. The state’s urban areas — especially Charlotte, Raleigh, and the cities of the Research Triangle — are densely populated, and becoming denser. Much of the state, however, is still rural, full of mountains and family farms.

Where you live is a key factor in determining your car insurance premium.

Here are average insurance premiums for North Carolina cities by zip code and population in 2017:

City Zipcode Average Zipcode Average
CHARLOTTE 27006 $2,958.44 28205 $4,803.84
CHARLOTTE 27007 $3,105.55 28206 $4,801.37
CHARLOTTE 27009 $2,920.75 28212 $4,795.85
CHARLOTTE 27011 $3,110.98 28208 $4,786.44
CHARLOTTE 27012 $2,931.90 28217 $4,746.83
CHARLOTTE 27013 $3,458.06 28262 $4,649.94
CHARLOTTE 27014 $2,986.08 28215 $4,639.07
CHARLOTTE 27016 $3,131.05 28213 $4,633.70
NEWELL 27017 $3,111.72 28126 $4,563.71
CHARLOTTE 27018 $3,086.38 28216 $4,530.13
CHARLOTTE 27019 $2,982.22 28254 $4,465.78
FORT BRAGG 27020 $3,114.54 28310 $4,347.17
POPE A F B 27021 $2,958.74 28308 $4,330.29
FORT BRAGG 27022 $3,139.15 28307 $4,328.13
FAYETTEVILLE 27023 $2,906.14 28314 $4,303.63
FAYETTEVILLE 27024 $3,118.90 28303 $4,298.91
FAYETTEVILLE 27025 $3,142.82 28311 $4,285.87
FAYETTEVILLE 27027 $3,125.77 28305 $4,281.21
FAYETTEVILLE 27028 $2,984.84 28301 $4,278.95
SPRING LAKE 27030 $3,119.36 28390 $4,274.80
FAYETTEVILLE 27040 $2,913.31 28304 $4,270.53
HOPE MILLS 27041 $3,119.24 28348 $4,256.98
FAYETTEVILLE 27042 $3,144.38 28306 $4,254.96
RAEFORD 27043 $3,102.44 28376 $4,234.90
BUNNLEVEL 27045 $2,911.84 28323 $4,231.45
CUMBERLAND 27046 $3,136.43 28331 $4,153.61
REX 27047 $3,085.15 28378 $4,043.21
SAINT PAULS 27048 $3,134.52 28384 $4,028.06
SHANNON 27050 $2,910.16 28386 $4,022.77
LUMBER BRIDGE 27051 $2,927.05 28357 $4,020.71
PEMBROKE 27052 $3,096.99 28372 $4,015.13
PARKTON 27053 $3,141.58 28371 $4,014.37
FAIR BLUFF 27054 $3,477.58 28439 $4,004.34
EVERGREEN 27055 $3,060.73 28438 $4,003.57
CERRO GORDO 27101 $2,913.24 28430 $4,001.00
CHADBOURN 27103 $2,906.04 28431 $3,997.08
CLARENDON 27104 $2,921.73 28432 $3,995.71
TABOR CITY 27105 $2,906.78 28463 $3,989.45
HALLSBORO 27106 $2,931.53 28442 $3,987.94
NAKINA 27107 $3,049.36 28455 $3,983.29
LUMBERTON 27109 $2,919.90 28360 $3,955.41
TAR HEEL 27110 $3,043.77 28392 $3,941.59
ELIZABETHTOWN 27127 $3,039.31 28337 $3,939.64
BLADENBORO 27157 $3,132.08 28320 $3,939.47
WHITE OAK 27201 $3,279.23 28399 $3,936.27
COUNCIL 27203 $3,118.19 28434 $3,934.75
BRUNSWICK 27205 $3,124.57 28424 $3,923.83
CLARKTON 27207 $3,118.65 28433 $3,923.07
WHITEVILLE 27208 $3,122.08 28472 $3,919.53
DUBLIN 27209 $3,118.65 28332 $3,917.65
LINDEN 27212 $3,591.32 28356 $3,892.67
PROCTORVILLE 27213 $3,268.01 28375 $3,890.87
ORRUM 27214 $3,055.85 28369 $3,878.76
DURHAM 27215 $3,016.48 27706 $3,877.64
FAIRMONT 27217 $3,042.58 28340 $3,876.03
RALEIGH 27228 $3,267.62 27604 $3,874.83
MARSTON 27229 $3,134.13 28363 $3,874.39
RALEIGH 27230 $3,226.70 27601 $3,872.82
LUMBERTON 27231 $3,135.05 28358 $3,872.51
MARIETTA 27233 $3,015.27 28362 $3,870.46
ROWLAND 27235 $2,913.99 28383 $3,870.20
RED SPRINGS 27237 $3,557.56 28377 $3,864.15
BARNESVILLE 27239 $3,160.01 28319 $3,853.26
DURHAM 27242 $3,129.55 27704 $3,840.53
DURHAM 27243 $3,122.97 27701 $3,835.16
RALEIGH 27244 $3,040.41 27609 $3,831.77
PINEVILLE 27247 $3,268.77 28134 $3,824.55
DURHAM 27248 $3,140.09 27703 $3,823.02
KNIGHTDALE 27249 $3,022.05 27545 $3,818.37
STEM 27252 $3,117.44 27581 $3,817.42
CHARLOTTE 27253 $3,043.29 28278 $3,815.20
CREEDMOOR 27258 $3,043.81 27522 $3,809.15
HOFFMAN 27259 $3,299.31 28347 $3,808.83
MONROE 27260 $3,497.77 28110 $3,808.17
MONROE 27262 $3,479.56 28112 $3,801.89
WINGATE 27263 $3,486.55 28174 $3,800.00
CHARLOTTE 27265 $2,883.83 28280 $3,799.83
PAW CREEK 27268 $3,674.71 28130 $3,797.26
BUTNER 27278 $3,125.58 27509 $3,795.83
RALEIGH 27281 $3,261.14 27616 $3,787.61
MCCUTCHEON FIELD 27282 $2,926.60 28545 $3,786.93
WADE 27283 $3,025.55 28395 $3,784.47
CHARLOTTE 27284 $2,904.11 28273 $3,781.67
RALEIGH 27288 $3,138.72 27610 $3,781.24
GASTONIA 27291 $3,636.80 28054 $3,780.93
CHARLOTTE 27292 $3,068.08 28227 $3,773.81
POLKTON 27295 $3,051.07 28135 $3,773.60
PEACHLAND 27298 $3,083.52 28133 $3,766.10
CHARLOTTE 27299 $3,370.18 28287 $3,765.39
CHARLOTTE 27301 $3,047.66 28214 $3,764.59
CHARLOTTE 27302 $3,043.35 28244 $3,763.86
CHARLOTTE 27305 $3,603.82 28246 $3,763.86
CHARLOTTE 27306 $3,144.00 28281 $3,763.86
CHARLOTTE 27310 $2,935.71 28282 $3,763.86
CHARLOTTE 27311 $3,532.44 28284 $3,763.86
CHARLOTTE 27312 $3,095.91 28285 $3,763.86
MARSHVILLE 27313 $3,002.72 28103 $3,761.87
CHARLOTTE 27314 $3,559.39 28274 $3,758.98
MATTHEWS 27315 $3,528.83 28105 $3,758.12
WILSON 27316 $3,138.04 27893 $3,756.76
GASTONIA 27317 $3,051.66 28052 $3,745.09
RICHLANDS 27320 $3,107.82 28574 $3,735.62
MIDWAY PARK 27325 $3,143.12 28544 $3,727.62
MAXTON 27326 $3,532.02 28364 $3,726.78
WAGRAM 27330 $3,543.11 28396 $3,724.77
CAMP LEJEUNE 27332 $3,591.12 28547 $3,718.12
GREENSBORO 27340 $3,280.11 27411 $3,717.61
LAUREL HILL 27341 $3,126.26 28351 $3,715.66
BESSEMER CITY 27342 $3,180.85 28016 $3,715.22
TARAWA TERRACE 27343 $3,600.57 28543 $3,714.97
KELLY 27344 $3,121.50 28448 $3,708.98
GIBSON 27349 $3,129.96 28343 $3,705.31
ATKINSON 27350 $3,116.32 28421 $3,704.92
LAURINBURG 27355 $3,138.72 28352 $3,704.55
DALLAS 27356 $3,130.09 28034 $3,699.33
LEMON SPRINGS 27357 $3,027.59 28355 $3,698.38
OLIVIA 27358 $2,929.71 28368 $3,695.39
HARRELLS 27359 $3,280.11 28444 $3,695.37
GARLAND 27360 $3,073.50 28441 $3,695.01
FAYETTEVILLE 27370 $3,045.92 28312 $3,693.11
STOVALL 27371 $3,139.83 27582 $3,691.82
MC FARLAN 27376 $3,139.48 28102 $3,690.73
ROSE HILL 27377 $3,031.03 28458 $3,690.04
PINETOWN 27379 $3,537.27 27865 $3,685.28
INDIAN TRAIL 27401 $3,640.68 28079 $3,682.75
SALEMBURG 27403 $3,626.28 28385 $3,678.31
CLINTON 27405 $3,541.60 28328 $3,678.29
ANSONVILLE 27406 $3,487.55 28007 $3,677.29
TURKEY 27407 $3,514.49 28393 $3,677.07
NEWTON GROVE 27408 $2,920.37 28366 $3,676.71
MORVEN 27409 $2,949.27 28119 $3,676.63
#N/A 27410 $2,908.91 27268 $3,674.71
SNOW HILL 27411 $3,717.61 28580 $3,674.63
LILESVILLE 27455 $2,936.09 28091 $3,672.60
CURRIE 27495 $3,595.13 28435 $3,670.64
AUTRYVILLE 27501 $3,579.27 28318 $3,667.23
ELM CITY 27502 $2,954.85 27822 $3,666.94
SCOTLAND NECK 27503 $3,075.89 27874 $3,666.57
ROSEBORO 27504 $3,603.58 28382 $3,665.07
JACKSONVILLE 27505 $3,607.19 28546 $3,663.08
JACKSONVILLE 27507 $3,626.86 28540 $3,662.65
STANTONSBURG 27508 $3,617.47 27883 $3,662.40
WALSTONBURG 27509 $3,795.83 27888 $3,661.75
CHARLOTTE 27510 $2,908.96 28207 $3,661.23
CHARLOTTE 27511 $3,088.11 28209 $3,660.43
MATTHEWS 27513 $3,046.58 28104 $3,659.96
RODUCO 27514 $2,927.23 27969 $3,658.94
ROCKY POINT 27516 $2,894.00 28457 $3,658.57
CHARLOTTE 27517 $2,914.09 28202 $3,658.44
PINETOPS 27518 $3,085.26 27864 $3,657.72
STEDMAN 27519 $2,984.57 28391 $3,656.41
CHARLOTTE 27520 $3,553.52 28204 $3,656.02
FALCON 27521 $3,585.26 28342 $3,654.45
PANTEGO 27522 $3,809.15 27860 $3,654.32
POWELLSVILLE 27523 $2,995.17 27967 $3,654.22
KIPLING 27524 $3,585.19 27543 $3,652.57
CHARLOTTE 27525 $3,570.01 28203 $3,652.43
POTECASI 27526 $3,439.56 27867 $3,651.62
BATH 27527 $3,576.18 27808 $3,650.40
FAIRFIELD 27528 $3,647.59 27826 $3,648.76
SEVERN 27529 $3,541.51 27877 $3,647.71
TILLERY 27530 $3,509.93 27887 $3,647.71
CLAYTON 27531 $3,601.70 27528 $3,647.59
LEWISTON WOODVILLE 27534 $3,507.76 27849 $3,646.81
FOUNTAIN 27536 $3,585.69 27829 $3,646.48
ROXOBEL 27537 $3,597.54 27872 $3,646.18
BELHAVEN 27539 $3,056.74 27810 $3,645.61
WHITAKERS 27540 $3,010.40 27891 $3,643.95
WILSONS MILLS 27541 $3,596.90 27593 $3,643.29
LOUISBURG 27542 $3,481.30 27549 $3,641.80
GREENSBORO 27543 $3,652.57 27401 $3,640.68
CORAPEAKE 27544 $3,555.82 27926 $3,640.21
GATES 27545 $3,818.37 27937 $3,639.01
ENGELHARD 27546 $3,579.80 27824 $3,637.89
SCRANTON 27549 $3,641.80 27875 $3,637.89
LEASBURG 27551 $3,580.87 27291 $3,636.80
GATESVILLE 27553 $3,596.58 27938 $3,636.56
HOOKERTON 27557 $3,542.56 28538 $3,636.24
CASTALIA 27559 $3,151.73 27816 $3,636.20
GODWIN 27560 $2,967.02 28344 $3,634.02
EURE 27562 $3,074.09 27935 $3,633.75
FARMVILLE 27563 $3,594.95 27828 $3,633.66
AHOSKIE 27565 $3,601.76 27910 $3,632.91
COFIELD 27569 $3,576.99 27922 $3,631.49
SIMPSON 27570 $3,623.64 27879 $3,631.34
CONWAY 27571 $3,359.58 27820 $3,631.02
PENDLETON 27572 $3,506.48 27862 $3,631.02
HARRELLSVILLE 27573 $3,594.84 27942 $3,630.95
RICH SQUARE 27574 $3,569.76 27869 $3,630.84
WOODLAND 27576 $3,591.00 27897 $3,630.30
COMO 27577 $3,571.48 27818 $3,628.99
BULLOCK 27581 $3,817.42 27507 $3,626.86
MARGARETTSVILLE 27582 $3,691.82 27853 $3,626.68
HAMILTON 27583 $3,599.88 27840 $3,626.55
GREENSBORO 27586 $3,610.39 27403 $3,626.28
HASSELL 27587 $3,231.17 27841 $3,625.62
AULANDER 27589 $3,596.17 27805 $3,624.87
KELFORD 27591 $3,431.56 27847 $3,624.87
COLERAIN 27592 $3,450.77 27924 $3,624.87
MURFREESBORO 27593 $3,643.29 27855 $3,624.66
BELLARTHUR 27594 $3,605.35 27811 $3,624.17
JACKSON 27596 $3,601.64 27845 $3,623.97
RIDGEWAY 27597 $3,474.99 27570 $3,623.64
HALIFAX 27599 $3,175.40 27839 $3,623.55
WINTON 27601 $3,872.82 27986 $3,620.30
ENFIELD 27603 $3,534.91 27823 $3,619.88
SUNBURY 27604 $3,874.83 27979 $3,619.72
HOLLISTER 27605 $3,133.76 27844 $3,619.27
SPEED 27606 $3,163.13 27881 $3,618.99
TYNER 27607 $3,057.79 27980 $3,618.30
LITTLETON 27608 $3,136.76 27850 $3,618.19
LOWLAND 27609 $3,831.77 28552 $3,618.14
WADESBORO 27610 $3,781.24 28170 $3,618.12
SEABOARD 27612 $3,218.01 27876 $3,618.04
HOBBSVILLE 27613 $3,190.34 27946 $3,617.98
BUNN 27614 $3,277.66 27508 $3,617.47
HOBUCKEN 27615 $3,245.39 28537 $3,615.96
MERRY HILL 27616 $3,787.61 27957 $3,615.56
PLEASANT HILL 27617 $3,198.32 27866 $3,615.30
CRESWELL 27695 $3,223.71 27928 $3,614.98
GARYSBURG 27701 $3,835.16 27831 $3,614.41
GASTON 27703 $3,823.02 27832 $3,613.33
COMFORT 27704 $3,840.53 28522 $3,613.24
HOBGOOD 27705 $3,072.81 27843 $3,612.83
ROCKINGHAM 27706 $3,877.64 28379 $3,611.86
SWANQUARTER 27707 $3,060.50 27885 $3,611.49
VANDEMERE 27708 $3,239.02 28587 $3,611.32
VAUGHAN 27709 $2,984.11 27586 $3,610.39
WINDSOR 27712 $3,095.93 27983 $3,609.45
EDENTON 27713 $3,042.02 27932 $3,608.65
HAMLET 27801 $3,434.12 28345 $3,608.65
ROPER 27803 $3,404.37 27970 $3,608.22
BROADWAY 27804 $3,408.84 27505 $3,607.19
PLYMOUTH 27805 $3,624.87 27962 $3,606.94
WISE 27806 $3,538.85 27594 $3,605.35
CONETOE 27807 $3,600.26 27819 $3,604.73
BELVIDERE 27808 $3,650.40 27919 $3,604.23
MILTON 27809 $3,554.24 27305 $3,603.82
BENSON 27810 $3,645.61 27504 $3,603.58
HENRICO 27811 $3,624.17 27842 $3,603.37
WELDON 27812 $3,522.16 27890 $3,603.09
OAK CITY 27814 $3,547.75 27857 $3,602.69
MAPLE HILL 27816 $3,636.20 28454 $3,602.57
DOVER 27817 $3,511.76 28526 $3,601.96
OXFORD 27818 $3,628.99 27565 $3,601.76
GOLDSBORO 27819 $3,604.73 27531 $3,601.70
YOUNGSVILLE 27820 $3,631.02 27596 $3,601.64
COLUMBIA 27821 $3,596.96 27925 $3,600.76
SEMORA 27822 $3,666.94 27343 $3,600.57
BAILEY 27823 $3,619.88 27807 $3,600.26
TIMBERLAKE 27824 $3,637.89 27583 $3,599.88
HERTFORD 27825 $3,591.66 27944 $3,597.76
WINFALL 27826 $3,648.76 27985 $3,597.76
HENDERSON 27828 $3,633.66 27537 $3,597.54
EDWARD 27829 $3,646.48 27821 $3,596.96
HURDLE MILLS 27830 $3,544.68 27541 $3,596.90
MANSON 27831 $3,614.41 27553 $3,596.58
WARRENTON 27832 $3,613.33 27589 $3,596.17
GREENSBORO 27834 $3,425.74 27495 $3,595.13
NORLINA 27837 $3,565.76 27563 $3,594.95
ROXBORO 27839 $3,623.55 27573 $3,594.84
SIMS 27840 $3,626.55 27880 $3,594.06
BOLTON 27841 $3,625.62 28423 $3,593.61
EVERETTS 27842 $3,603.37 27825 $3,591.66
BLANCH 27843 $3,612.83 27212 $3,591.32
SANFORD 27844 $3,619.27 27332 $3,591.12
SELMA 27845 $3,623.97 27576 $3,591.00
ASH 27846 $3,578.33 28420 $3,590.58
LAKE WACCAMAW 27847 $3,624.87 28450 $3,590.15
SPRING HOPE 27849 $3,646.81 27882 $3,589.26
HENDERSON 27850 $3,618.19 27536 $3,585.69
COATS 27851 $3,567.85 27521 $3,585.26
FOUR OAKS 27852 $3,573.09 27524 $3,585.19
CHARLOTTE 27853 $3,626.68 28210 $3,584.42
GRIFTON 27855 $3,624.66 28530 $3,583.89
BOLIVIA 27856 $3,536.14 28422 $3,583.67
SUPPLY 27857 $3,602.69 28462 $3,583.57
MOUNT ULLA 27858 $3,426.29 28125 $3,583.43
IVANHOE 27860 $3,654.32 28447 $3,582.50
ERWIN 27861 $3,572.07 28339 $3,581.97
WASHINGTON 27862 $3,631.02 27889 $3,581.61
MACON 27863 $3,542.67 27551 $3,580.87
LILLINGTON 27864 $3,657.72 27546 $3,579.80
ANGIER 27865 $3,685.28 27501 $3,579.27
MAGNOLIA 27866 $3,615.30 28453 $3,579.25
GASTONIA 27867 $3,651.62 28056 $3,578.76
JAMESVILLE 27869 $3,630.84 27846 $3,578.33
ERNUL 27870 $3,570.06 28527 $3,577.25
PRINCETON 27871 $3,501.71 27569 $3,576.99
SHALLOTTE 27872 $3,646.18 28470 $3,576.63
SEVEN SPRINGS 27874 $3,666.57 28578 $3,576.50
WILLARD 27875 $3,637.89 28478 $3,576.18
CLAYTON 27876 $3,618.04 27527 $3,576.18
TEACHEY 27877 $3,647.71 28464 $3,576.11
ALBERTSON 27878 $3,402.65 28508 $3,575.36
CHARLOTTE 27879 $3,631.34 28270 $3,574.71
WARSAW 27880 $3,594.06 28398 $3,574.07
CHARLOTTE 27881 $3,618.99 28277 $3,573.72
MACCLESFIELD 27882 $3,589.26 27852 $3,573.09
PARMELE 27883 $3,662.40 27861 $3,572.07
SMITHFIELD 27884 $3,552.22 27577 $3,571.48
LONGWOOD 27885 $3,611.49 28452 $3,571.23
ROANOKE RAPIDS 27886 $3,533.55 27870 $3,570.06
FRANKLINTON 27887 $3,647.71 27525 $3,570.01
ROXBORO 27888 $3,661.75 27574 $3,569.76
KENANSVILLE 27889 $3,581.61 28349 $3,569.35
LUCAMA 27890 $3,603.09 27851 $3,567.85
RIEGELWOOD 27891 $3,643.95 28456 $3,567.19
DELCO 27892 $3,534.16 28436 $3,566.75
DUNN 27893 $3,756.76 28334 $3,566.38
GRIMESLAND 27896 $3,441.45 27837 $3,565.76
DEEP RUN 27897 $3,630.30 28525 $3,565.05
CASTLE HAYNE 27909 $3,085.95 28429 $3,563.73
CHARLOTTE 27910 $3,632.91 28211 $3,561.70
DURANTS NECK 27915 $3,138.33 27930 $3,560.15
LELAND 27916 $3,122.14 28451 $3,560.04
PINK HILL 27917 $3,116.19 28572 $3,559.75
PROSPECT HILL 27919 $3,604.23 27314 $3,559.39
BEULAVILLE 27920 $3,254.49 28518 $3,558.07
CUMNOCK 27921 $3,112.84 27237 $3,557.56
FAISON 27922 $3,631.49 28341 $3,556.93
POLLOCKSVILLE 27923 $3,260.21 28573 $3,556.01
KITTRELL 27924 $3,624.87 27544 $3,555.82
CHARLOTTE 27925 $3,600.76 28226 $3,555.61
BATTLEBORO 27926 $3,640.21 27809 $3,554.24
CALYPSO 27927 $3,118.09 28325 $3,553.85
CLAYTON 27928 $3,614.98 27520 $3,553.52
STOKES 27929 $3,248.84 27884 $3,552.22
BAYBORO 27930 $3,560.15 28515 $3,550.90
WAXHAW 27932 $3,608.65 28173 $3,549.97
BLOUNTS CREEK 27935 $3,633.75 27814 $3,547.75
TRENTON 27936 $3,122.16 28585 $3,546.18
MOUNT OLIVE 27937 $3,639.01 28365 $3,544.88
FREMONT 27938 $3,636.56 27830 $3,544.68
SANFORD 27939 $3,116.48 27330 $3,543.11
WINNABOW 27941 $3,254.27 28479 $3,542.70
PIKEVILLE 27942 $3,630.95 27863 $3,542.67
MIDDLESEX 27943 $3,122.16 27557 $3,542.56
BURGAW 27944 $3,597.76 28425 $3,542.06
DUDLEY 27946 $3,617.98 28333 $3,541.78
GREENSBORO 27947 $3,113.17 27405 $3,541.60
GARNER 27948 $3,114.28 27529 $3,541.51
AURORA 27949 $3,109.71 27806 $3,538.85
WALLACE 27950 $3,120.82 28466 $3,538.77
YANCEYVILLE 27953 $3,129.10 27379 $3,537.27
AYDEN 27954 $3,119.19 28513 $3,536.27
NASHVILLE 27956 $3,252.06 27856 $3,536.14
MIDLAND 27957 $3,615.56 28107 $3,535.65
RALEIGH 27958 $3,089.50 27603 $3,534.91
WILLIAMSTON 27959 $3,120.20 27892 $3,534.16
TARBORO 27960 $3,134.28 27886 $3,533.55
PELHAM 27962 $3,606.94 27311 $3,532.44
RUFFIN 27964 $3,248.74 27326 $3,532.02
WINTERVILLE 27965 $3,257.04 28590 $3,530.72
CHINQUAPIN 27966 $3,115.24 28521 $3,529.12
PROVIDENCE 27967 $3,654.22 27315 $3,528.83
BETHEL 27968 $3,254.49 27812 $3,522.16
WACO 27969 $3,658.94 28169 $3,521.25
GREENSBORO 27970 $3,608.22 27407 $3,514.49
EARL 27972 $3,254.49 28038 $3,514.24
FALLSTON 27973 $3,114.72 28042 $3,511.80
CHOCOWINITY 27974 $3,118.66 27817 $3,511.76
GOLDSBORO 27976 $3,120.34 27530 $3,509.93
GOLDSBORO 27978 $3,260.85 27534 $3,507.76
ROUGEMONT 27979 $3,619.72 27572 $3,506.48
COVE CITY 27980 $3,618.30 28523 $3,506.08
MOUNT HOLLY 27981 $3,122.62 28120 $3,501.73
ROBERSONVILLE 27982 $3,254.49 27871 $3,501.71
GOLD HILL 27983 $3,609.45 28071 $3,500.21
ROCKWELL 27985 $3,597.76 28138 $3,498.09
HIGH POINT 27986 $3,620.30 27260 $3,497.77
LOWELL 28001 $3,165.41 28098 $3,496.61
MC ADENVILLE 28006 $3,260.37 28101 $3,496.22
LATTIMORE 28007 $3,677.29 28089 $3,496.22
POLKVILLE 28009 $3,140.78 28136 $3,496.22
CONCORD 28010 $3,389.98 28027 $3,495.96
WILMINGTON 28012 $3,478.92 28401 $3,494.60
HARRISBURG 28016 $3,715.22 28075 $3,491.32
GREENSBORO 28018 $3,120.08 27406 $3,487.55
MOUNT MOURNE 28019 $3,254.03 28123 $3,487.13
LA GRANGE 28020 $3,390.36 28551 $3,486.87
HIGH POINT 28021 $3,330.56 27263 $3,486.55
CRAMERTON 28023 $3,398.43 28032 $3,481.84
KENLY 28025 $3,465.59 27542 $3,481.30
HIGH POINT 28027 $3,495.96 27262 $3,479.56
BELMONT 28031 $3,293.04 28012 $3,478.92
WOODLEAF 28032 $3,481.84 27054 $3,477.58
ZEBULON 28033 $3,425.48 27597 $3,474.99
CONCORD 28034 $3,699.33 28025 $3,465.59
CLEVELAND 28035 $3,427.11 27013 $3,458.06
CAMERON 28036 $3,292.78 28326 $3,454.74
WILLOW SPRING 28037 $3,303.70 27592 $3,450.77
WILSON 28038 $3,514.24 27896 $3,441.45
FUQUAY VARINA 28040 $3,127.60 27526 $3,439.56
ROCKY MOUNT 28042 $3,511.80 27801 $3,434.12
WENDELL 28043 $3,110.17 27591 $3,431.56
DAVIDSON 28052 $3,745.09 28035 $3,427.11
GREENVILLE 28054 $3,780.93 27858 $3,426.29
GREENVILLE 28056 $3,578.76 27834 $3,425.74
CROUSE 28071 $3,500.21 28033 $3,425.48
VANCEBORO 28073 $3,412.16 28586 $3,424.55
RHODHISS 28075 $3,491.32 28667 $3,413.24
KINSTON 28076 $3,378.76 28504 $3,412.51
GROVER 28078 $3,306.55 28073 $3,412.16
KINGS MOUNTAIN 28079 $3,682.75 28086 $3,412.08
ROCKY MOUNT 28080 $3,386.82 27804 $3,408.84
LANDIS 28081 $3,382.42 28088 $3,406.81
SALISBURY 28083 $3,386.40 28146 $3,405.21
ROCKY MOUNT 28086 $3,412.08 27803 $3,404.37
SALISBURY 28088 $3,406.81 28144 $3,403.44
SHARPSBURG 28089 $3,496.22 27878 $3,402.65
SALISBURY 28090 $3,376.13 28147 $3,400.23
CHINA GROVE 28091 $3,672.60 28023 $3,398.43
LINCOLNTON 28092 $3,397.10 28092 $3,397.10
SPENCER 28097 $3,169.69 28159 $3,395.34
CASAR 28098 $3,496.61 28020 $3,390.36
BARIUM SPRINGS 28101 $3,496.22 28010 $3,389.98
IRON STATION 28102 $3,690.73 28080 $3,386.82
KANNAPOLIS 28103 $3,761.87 28083 $3,386.40
SHELBY 28104 $3,659.96 28152 $3,384.37
KINSTON 28105 $3,758.12 28501 $3,383.59
SHELBY 28107 $3,535.65 28150 $3,382.48
KANNAPOLIS 28109 $3,131.63 28081 $3,382.42
MOORESBORO 28110 $3,808.17 28114 $3,380.53
SCOTTS 28112 $3,801.89 28699 $3,380.45
HENRIETTA 28114 $3,380.53 28076 $3,378.76
LAWNDALE 28115 $3,278.05 28090 $3,376.13
LINWOOD 28117 $3,303.31 27299 $3,370.18
ROLESVILLE 28119 $3,676.63 27571 $3,359.58
KURE BEACH 28120 $3,501.73 28449 $3,347.25
OAK ISLAND 28123 $3,487.13 28465 $3,346.65
WRIGHTSVILLE BEACH 28124 $3,184.90 28480 $3,345.03
CAROLINA BEACH 28125 $3,583.43 28428 $3,344.42
VALE 28126 $4,563.71 28168 $3,338.71
CHARLOTTE 28127 $3,156.33 28269 $3,331.83
CHERRYVILLE 28128 $3,138.22 28021 $3,330.56
SOUTHPORT 28129 $3,160.52 28461 $3,323.97
CLAREMONT 28130 $3,797.26 28610 $3,314.59
LAKEVIEW 28133 $3,766.10 28350 $3,313.05
NORMAN 28134 $3,824.55 28367 $3,307.57
HUNTERSVILLE 28135 $3,773.60 28078 $3,306.55
DENVER 28136 $3,496.22 28037 $3,303.70
MOORESVILLE 28137 $3,150.54 28117 $3,303.31
CATAWBA 28138 $3,498.09 28609 $3,303.30
CONOVER 28139 $3,138.97 28613 $3,300.79
HIGHFALLS 28144 $3,403.44 27259 $3,299.31
WILMINGTON 28146 $3,405.21 28403 $3,297.98
WILMINGTON 28147 $3,400.23 28409 $3,297.36
WILMINGTON 28150 $3,382.48 28411 $3,296.45
SHERRILLS FORD 28152 $3,384.37 28673 $3,296.42
HICKORY 28159 $3,395.34 28602 $3,294.70
CORNELIUS 28160 $3,095.89 28031 $3,293.04
DAVIDSON 28163 $3,239.86 28036 $3,292.78
LENOIR 28164 $3,133.84 28645 $3,289.51
WILMINGTON 28166 $3,263.91 28405 $3,289.31
NEWTON 28167 $3,127.17 28658 $3,287.76
TERRELL 28168 $3,338.71 28682 $3,286.73
MAIDEN 28169 $3,521.25 28650 $3,286.58
HUDSON 28170 $3,618.12 28638 $3,286.03
HICKORY 28173 $3,549.97 28601 $3,285.53
ROARING GAP 28174 $3,800.00 28668 $3,284.45
SCOTTVILLE 28202 $3,658.44 28672 $3,283.73
HAMPSTEAD 28203 $3,652.43 28443 $3,283.44
WILMINGTON 28204 $3,656.02 28412 $3,281.54
MC GRADY 28205 $4,803.84 28649 $3,281.25
GRANITE FALLS 28206 $4,801.37 28630 $3,281.11
SAXAPAHAW 28207 $3,661.23 27340 $3,280.11
SWEPSONVILLE 28208 $4,786.44 27359 $3,280.11
ALAMANCE 28209 $3,660.43 27201 $3,279.23
MOORESVILLE 28210 $3,584.42 28115 $3,278.05
RALEIGH 28211 $3,561.70 27614 $3,277.66
LYNN 28212 $4,795.85 28750 $3,276.98
DREXEL 28213 $4,633.70 28619 $3,275.03
RUTHERFORD COLLEGE 28214 $3,764.59 28671 $3,274.69
CONNELLYS SPRINGS 28215 $4,639.07 28612 $3,273.24
MORGANTON 28216 $4,530.13 28655 $3,273.09
TAYLORSVILLE 28217 $4,746.83 28681 $3,272.52
VALDESE 28226 $3,555.61 28690 $3,271.79
HILDEBRAN 28227 $3,773.81 28637 $3,271.70
GLEN ALPINE 28244 $3,763.86 28628 $3,271.53
ETHER 28246 $3,763.86 27247 $3,268.77
BONLEE 28254 $4,465.78 27213 $3,268.01
BYNUM 28262 $4,649.94 27228 $3,267.62
TROUTMAN 28269 $3,331.83 28166 $3,263.91
CEDAR ISLAND 28270 $3,574.71 28520 $3,261.37
JACKSON SPRINGS 28273 $3,781.67 27281 $3,261.14
STUMPY POINT 28274 $3,758.98 27978 $3,260.85
ALEXIS 28277 $3,573.72 28006 $3,260.37
COINJOCK 28278 $3,815.20 27923 $3,260.21
STONY POINT 28280 $3,799.83 28678 $3,257.91
POPLAR BRANCH 28281 $3,763.86 27965 $3,257.04
BRIDGETON 28282 $3,763.86 28519 $3,256.93
PINEBLUFF 28284 $3,763.86 28373 $3,255.47
BUXTON 28285 $3,763.86 27920 $3,254.49
RODANTHE 28287 $3,765.39 27968 $3,254.49
SALVO 28301 $4,278.95 27972 $3,254.49
WAVES 28303 $4,298.91 27982 $3,254.49
HARBINGER 28304 $4,270.53 27941 $3,254.27
CAROLEEN 28305 $4,281.21 28019 $3,254.03
MICAVILLE 28306 $4,254.96 28755 $3,253.97
TODD 28307 $4,328.13 28684 $3,252.67
MAPLE 28308 $4,330.29 27956 $3,252.06
PENLAND 28310 $4,347.17 28765 $3,250.28
CURRITUCK 28311 $4,285.87 27929 $3,248.84
POINT HARBOR 28312 $3,693.11 27964 $3,248.74
LINVILLE FALLS 28314 $4,303.63 28647 $3,246.10
BOONE 28315 $3,130.54 28608 $3,245.73
RALEIGH 28318 $3,667.23 27615 $3,245.39
JONAS RIDGE 28319 $3,853.26 28641 $3,242.80
LITTLE SWITZERLAND 28320 $3,939.47 28749 $3,240.93
STANFIELD 28323 $4,231.45 28163 $3,239.86
CROSSNORE 28325 $3,553.85 28616 $3,239.68
PINEOLA 28326 $3,454.74 28662 $3,239.68
DURHAM 28327 $3,170.33 27708 $3,239.02
SEALEVEL 28328 $3,678.29 28577 $3,236.92
STACY 28331 $4,153.61 28581 $3,236.92
WILLISTON 28332 $3,917.65 28589 $3,236.92
STATESVILLE 28333 $3,541.78 28625 $3,234.61
WAKE FOREST 28334 $3,566.38 27587 $3,231.17
MARSHALLBERG 28337 $3,939.64 28553 $3,230.86
CEDAR FALLS 28338 $3,178.30 27230 $3,226.70
RALEIGH 28339 $3,581.97 27695 $3,223.71
PINEY CREEK 28340 $3,876.03 28663 $3,218.79
RALEIGH 28341 $3,556.93 27612 $3,218.01
GLENDALE SPRINGS 28342 $3,654.45 28629 $3,215.40
STATESVILLE 28343 $3,705.31 28677 $3,213.72
RALEIGH 28344 $3,634.02 27617 $3,198.32
RALEIGH 28345 $3,608.65 27613 $3,190.34
MOUNT PLEASANT 28347 $3,808.83 28124 $3,184.90
SEDALIA 28348 $4,256.98 27342 $3,180.85
ELLERBE 28349 $3,569.35 28338 $3,178.30
CHAPEL HILL 28350 $3,313.05 27599 $3,175.40
CARTHAGE 28351 $3,715.66 28327 $3,170.33
LOCUST 28352 $3,704.55 28097 $3,169.69
VASS 28355 $3,698.38 28394 $3,166.07
ALBEMARLE 28356 $3,892.67 28001 $3,165.41
RALEIGH 28357 $4,020.71 27606 $3,163.13
OAKBORO 28358 $3,872.51 28129 $3,160.52
DENTON 28360 $3,955.41 27239 $3,160.01
NEW LONDON 28362 $3,870.46 28127 $3,156.33
PURLEAR 28363 $3,874.39 28665 $3,155.28
MONCURE 28364 $3,726.78 27559 $3,151.73
RICHFIELD 28365 $3,544.88 28137 $3,150.54
BOOMER 28366 $3,676.71 28606 $3,149.58
MILLERS CREEK 28367 $3,307.57 28651 $3,149.52
PINEHURST 28368 $3,695.39 28374 $3,147.32
GERTON 28369 $3,878.76 28735 $3,145.77
PINE HALL 28371 $4,014.37 27042 $3,144.38
MOUNT GILEAD 28372 $4,015.13 27306 $3,144.00
LAUREL SPRINGS 28373 $3,255.47 28644 $3,143.40
ROBBINS 28374 $3,147.32 27325 $3,143.12
MADISON 28375 $3,890.87 27025 $3,142.82
BAT CAVE 28376 $4,234.90 28710 $3,142.79
WESTFIELD 28377 $3,864.15 27053 $3,141.58
BADIN 28378 $4,043.21 28009 $3,140.78
FERGUSON 28379 $3,611.86 28624 $3,140.22
TUXEDO 28382 $3,665.07 28784 $3,140.20
FRANKLINVILLE 28383 $3,870.20 27248 $3,140.09
TROY 28384 $4,028.06 27371 $3,139.83
GLADE VALLEY 28385 $3,678.31 28627 $3,139.58
WEST END 28386 $4,022.77 27376 $3,139.48
LAWSONVILLE 28387 $3,131.14 27022 $3,139.15
RUTHERFORDTON 28390 $4,274.80 28139 $3,138.97
EDEN 28391 $3,656.41 27288 $3,138.72
STALEY 28392 $3,941.59 27355 $3,138.72
AVON 28393 $3,677.07 27915 $3,138.33
NORWOOD 28394 $3,166.07 28128 $3,138.22
RAMSEUR 28395 $3,784.47 27316 $3,138.04
RALEIGH 28396 $3,724.77 27608 $3,136.76
SANDY RIDGE 28398 $3,574.07 27046 $3,136.43
WARNE 28399 $3,936.27 28909 $3,136.19
HIDDENITE 28401 $3,494.60 28636 $3,135.18
ROARING RIVER 28403 $3,297.98 28669 $3,135.16
CEDAR GROVE 28405 $3,289.31 27231 $3,135.05
TRAPHILL 28409 $3,297.36 28685 $3,135.01
SCALY MOUNTAIN 28411 $3,296.45 28775 $3,134.72
STONEVILLE 28412 $3,281.54 27048 $3,134.52
FONTANA DAM 28420 $3,590.58 28733 $3,134.48
CULBERSON 28421 $3,704.92 28903 $3,134.48
OCRACOKE 28422 $3,583.67 27960 $3,134.28
CANDOR 28423 $3,593.61 27229 $3,134.13
GLENVILLE 28424 $3,923.83 28736 $3,133.94
STANLEY 28425 $3,542.06 28164 $3,133.84
RALEIGH 28428 $3,344.42 27605 $3,133.76
HAYS 28429 $3,563.73 28635 $3,132.60
BALSAM 28430 $4,001.00 28707 $3,132.30
WINSTON SALEM 28431 $3,997.08 27157 $3,132.08
MISENHEIMER 28432 $3,995.71 28109 $3,131.63
SOUTHERN PINES 28433 $3,923.07 28387 $3,131.14
MORAVIAN FALLS 28434 $3,934.75 28654 $3,131.05
DANBURY 28435 $3,670.64 27016 $3,131.05
CEDAR MOUNTAIN 28436 $3,566.75 28718 $3,130.54
ABERDEEN 28438 $4,003.57 28315 $3,130.54
STAR 28439 $4,004.34 27356 $3,130.09
SNOW CAMP 28441 $3,695.01 27349 $3,129.96
DILLSBORO 28442 $3,987.94 28725 $3,129.56
EAGLE SPRINGS 28443 $3,283.44 27242 $3,129.55
MANNS HARBOR 28444 $3,695.37 27953 $3,129.10
BALSAM GROVE 28445 $3,086.56 28708 $3,128.23
WILKESBORO 28447 $3,582.50 28697 $3,128.22
UNION GROVE 28448 $3,708.98 28689 $3,128.09
SAPPHIRE 28449 $3,347.25 28774 $3,127.78
ELLENBORO 28450 $3,590.15 28040 $3,127.60
NAPLES 28451 $3,560.04 28760 $3,127.46
UNION MILLS 28452 $3,571.23 28167 $3,127.17
ROSMAN 28453 $3,579.25 28772 $3,126.83
SEAGROVE 28454 $3,602.57 27341 $3,126.26
HAZELWOOD 28455 $3,983.29 28738 $3,126.21
MAYODAN 28456 $3,567.19 27027 $3,125.77
HILLSBOROUGH 28457 $3,658.57 27278 $3,125.58
ASHEBORO 28458 $3,690.04 27205 $3,124.57
MERRITT 28460 $3,080.39 28556 $3,124.37
MAYSVILLE 28461 $3,323.97 28555 $3,124.14
ORIENTAL 28462 $3,583.57 28571 $3,122.98
EFLAND 28463 $3,989.45 27243 $3,122.97
WANCHESE 28464 $3,576.11 27981 $3,122.62
FRISCO 28465 $3,346.65 27936 $3,122.16
HATTERAS 28466 $3,538.77 27943 $3,122.16
AYDLETT 28467 $2,992.63 27916 $3,122.14
BENNETT 28468 $2,992.50 27208 $3,122.08
SILER CITY 28469 $2,988.51 27344 $3,121.50
ENNICE 28470 $3,576.63 28623 $3,121.04
KNOTTS ISLAND 28472 $3,919.53 27950 $3,120.82
OLIN 28478 $3,576.18 28660 $3,120.59
SOUTH MILLS 28479 $3,542.70 27976 $3,120.34
NAGS HEAD 28480 $3,345.03 27959 $3,120.20
TRYON 28501 $3,383.59 28782 $3,120.20
BOSTIC 28504 $3,412.51 28018 $3,120.08
HARMONY 28508 $3,575.36 28634 $3,119.99
MOUNT AIRY 28510 $3,116.80 27030 $3,119.36
PILOT MOUNTAIN 28511 $3,100.37 27041 $3,119.24
MANTEO 28512 $3,071.60 27954 $3,119.19
LOWGAP 28513 $3,536.27 27024 $3,118.90
SHILOH 28515 $3,550.90 27974 $3,118.66
BISCOE 28516 $3,083.21 27209 $3,118.65
BEAR CREEK 28518 $3,558.07 27207 $3,118.65
MILL SPRING 28519 $3,256.93 28756 $3,118.47
ASHEBORO 28520 $3,261.37 27203 $3,118.19
COROLLA 28521 $3,529.12 27927 $3,118.09
GOLDSTON 28522 $3,613.24 27252 $3,117.44
SPARTA 28523 $3,506.08 28675 $3,117.44
ARAPAHOE 28524 $3,094.01 28510 $3,116.80
GRANDY 28525 $3,565.05 27939 $3,116.48
SOPHIA 28526 $3,601.96 27350 $3,116.32
BARCO 28527 $3,577.25 27917 $3,116.19
GRANTSBORO 28528 $3,084.62 28529 $3,115.76
POWELLS POINT 28529 $3,115.76 27966 $3,115.24
COLUMBUS 28530 $3,583.89 28722 $3,114.97
SHAWBORO 28531 $3,093.20 27973 $3,114.72
RONDA 28532 $3,083.32 28670 $3,114.66
HAMPTONVILLE 28533 $3,083.19 27020 $3,114.54
KILL DEVIL HILLS 28537 $3,615.96 27948 $3,114.28
THURMOND 28538 $3,636.24 28683 $3,113.73
JARVISBURG 28539 $3,086.43 27947 $3,113.17
ELKIN 28540 $3,662.65 28621 $3,113.17
CAMDEN 28543 $3,714.97 27921 $3,112.84
DOBSON 28544 $3,727.62 27017 $3,111.72
STATE ROAD 28545 $3,786.93 28676 $3,111.63
BOONVILLE 28546 $3,663.08 27011 $3,110.98
FOREST CITY 28547 $3,718.12 28043 $3,110.17
KITTY HAWK 28551 $3,486.87 27949 $3,109.71
JONESVILLE 28552 $3,618.14 28642 $3,109.51
REIDSVILLE 28553 $3,230.86 27320 $3,107.82
LAKE LURE 28555 $3,124.14 28746 $3,106.29
ENKA 28556 $3,124.37 28728 $3,105.89
ARARAT 28557 $3,063.28 27007 $3,105.55
ZIONVILLE 28560 $3,064.57 28698 $3,103.89
PINNACLE 28562 $3,080.16 27043 $3,102.44
BOONE 28570 $3,068.33 28607 $3,101.57
ATLANTIC 28571 $3,122.98 28511 $3,100.37
SKYLAND 28572 $3,559.75 28776 $3,099.21
CRESTON 28573 $3,556.01 28615 $3,098.77
WARRENSVILLE 28574 $3,735.62 28693 $3,098.77
LANSING 28575 $3,066.26 28643 $3,098.31
COLLETTSVILLE 28577 $3,236.92 28611 $3,098.15
GREEN MOUNTAIN 28578 $3,576.50 28740 $3,097.57
BLOWING ROCK 28579 $3,089.94 28605 $3,097.31
WALNUT COVE 28580 $3,674.63 27052 $3,096.99
ASHEVILLE 28581 $3,236.92 28810 $3,096.97
DURHAM 28582 $3,084.56 27712 $3,095.93
PITTSBORO 28584 $3,077.91 27312 $3,095.91
SPINDALE 28585 $3,546.18 28160 $3,095.89
SALUDA 28586 $3,424.55 28773 $3,094.97
DAVIS 28587 $3,611.32 28524 $3,094.01
SUGAR GROVE 28589 $3,236.92 28679 $3,093.46
HARKERS ISLAND 28590 $3,530.72 28531 $3,093.20
VILAS 28594 $3,060.91 28692 $3,092.28
ELK PARK 28601 $3,285.53 28622 $3,091.59
BURNSVILLE 28602 $3,294.70 28714 $3,090.57
WEST JEFFERSON 28604 $3,089.12 28694 $3,090.38
SMYRNA 28605 $3,097.31 28579 $3,089.94
MOYOCK 28606 $3,149.58 27958 $3,089.50
BANNER ELK 28607 $3,101.57 28604 $3,089.12
NEWLAND 28608 $3,245.73 28657 $3,088.65
SPRUCE PINE 28609 $3,303.30 28777 $3,088.43
CARY 28610 $3,314.59 27511 $3,088.11
MARION 28611 $3,098.15 28752 $3,086.95
HOLLY RIDGE 28612 $3,273.24 28445 $3,086.56
HUBERT 28613 $3,300.79 28539 $3,086.43
EAST BEND 28615 $3,098.77 27018 $3,086.38
ELIZABETH CITY 28616 $3,239.68 27909 $3,085.95
CARY 28617 $3,070.37 27518 $3,085.26
SILOAM 28618 $3,070.77 27047 $3,085.15
GLOUCESTER 28619 $3,275.03 28528 $3,084.62
STELLA 28621 $3,113.17 28582 $3,084.56
LIBERTY 28622 $3,091.59 27298 $3,083.52
HAVELOCK 28623 $3,121.04 28532 $3,083.32
NORTH WILKESBORO 28624 $3,140.22 28659 $3,083.25
BEAUFORT 28625 $3,234.61 28516 $3,083.21
CHERRY POINT 28626 $3,072.57 28533 $3,083.19
SNEADS FERRY 28627 $3,139.58 28460 $3,080.39
NEW BERN 28628 $3,271.53 28562 $3,080.16
BAKERSVILLE 28629 $3,215.40 28705 $3,080.11
SWANSBORO 28630 $3,281.11 28584 $3,077.91
BAHAMA 28631 $3,072.09 27503 $3,075.89
MONTREAT 28634 $3,119.99 28757 $3,074.85
RIDGECREST 28635 $3,132.60 28770 $3,074.85
NEW HILL 28636 $3,135.18 27562 $3,074.09
THOMASVILLE 28637 $3,271.70 27360 $3,073.50
DURHAM 28638 $3,286.03 27705 $3,072.81
FLEETWOOD 28640 $3,062.99 28626 $3,072.57
GRASSY CREEK 28641 $3,242.80 28631 $3,072.09
ATLANTIC BEACH 28642 $3,109.51 28512 $3,071.60
DEEP GAP 28643 $3,098.31 28618 $3,070.77
CRUMPLER 28644 $3,143.40 28617 $3,070.37
NEBO 28645 $3,289.51 28761 $3,068.53
NEWPORT 28647 $3,246.10 28570 $3,068.33
LEXINGTON 28649 $3,281.25 27292 $3,068.08
SALTER PATH 28650 $3,286.58 28575 $3,066.26
NEW BERN 28651 $3,149.52 28560 $3,064.57
MOREHEAD CITY 28654 $3,131.05 28557 $3,063.28
JEFFERSON 28655 $3,273.09 28640 $3,062.99
EMERALD ISLE 28657 $3,088.65 28594 $3,060.91
YADKINVILLE 28658 $3,287.76 27055 $3,060.73
DURHAM 28659 $3,083.25 27707 $3,060.50
RALEIGH 28660 $3,120.59 27607 $3,057.79
APEX 28662 $3,239.68 27539 $3,056.74
BROWNS SUMMIT 28663 $3,218.79 27214 $3,055.85
RANDLEMAN 28665 $3,155.28 27317 $3,051.66
LEXINGTON 28667 $3,413.24 27295 $3,051.07
WINSTON SALEM 28668 $3,284.45 27107 $3,049.36
MC LEANSVILLE 28669 $3,135.16 27301 $3,047.66
CARY 28670 $3,114.66 27513 $3,046.58
TRINITY 28671 $3,274.69 27370 $3,045.92
HAW RIVER 28672 $3,283.73 27258 $3,043.81
WINSTON SALEM 28673 $3,296.42 27110 $3,043.77
MEBANE 28675 $3,117.44 27302 $3,043.35
GRAHAM 28676 $3,111.63 27253 $3,043.29
BURLINGTON 28677 $3,213.72 27217 $3,042.58
DURHAM 28678 $3,257.91 27713 $3,042.02
ELON 28679 $3,093.46 27244 $3,040.41
WINSTON SALEM 28681 $3,272.52 27127 $3,039.31
WHITSETT 28682 $3,286.73 27377 $3,031.03
STOKESDALE 28683 $3,113.73 27357 $3,027.59
JULIAN 28684 $3,252.67 27283 $3,025.55
GIBSONVILLE 28685 $3,135.01 27249 $3,022.05
BURLINGTON 28689 $3,128.09 27215 $3,016.48
CLIMAX 28690 $3,271.79 27233 $3,015.27
HOLLY SPRINGS 28692 $3,092.28 27540 $3,010.40
PLEASANT GARDEN 28693 $3,098.77 27313 $3,002.72
APEX 28694 $3,090.38 27523 $2,995.17
CALABASH 28697 $3,128.22 28467 $2,992.63
SUNSET BEACH 28698 $3,103.89 28468 $2,992.50
OCEAN ISLE BEACH 28699 $3,380.45 28469 $2,988.51
COOLEEMEE 28701 $2,860.59 27014 $2,986.08
MOCKSVILLE 28702 $2,951.86 27028 $2,984.84
CARY 28704 $2,896.41 27519 $2,984.57
DURHAM 28705 $3,080.11 27709 $2,984.11
GERMANTON 28707 $3,132.30 27019 $2,982.22
MORRISVILLE 28708 $3,128.23 27560 $2,967.02
EAST FLAT ROCK 28709 $2,882.94 28726 $2,964.59
HIGHLANDS 28710 $3,142.79 28741 $2,964.22
OLD FORT 28711 $2,891.80 28762 $2,963.64
FLETCHER 28712 $2,921.40 28732 $2,962.48
CASHIERS 28713 $2,947.98 28717 $2,961.86
OTTO 28714 $3,090.57 28763 $2,960.60
KING 28715 $2,862.25 27021 $2,958.74
ADVANCE 28716 $2,936.86 27006 $2,958.44
MARSHALL 28717 $2,961.86 28753 $2,957.56
ZIRCONIA 28718 $3,130.54 28790 $2,957.19
FLAT ROCK 28719 $2,931.14 28731 $2,957.15
MARBLE 28721 $2,935.66 28905 $2,956.64
MURPHY 28722 $3,114.97 28906 $2,956.64
MARS HILL 28723 $2,939.65 28754 $2,956.61
BRASSTOWN 28725 $3,129.56 28902 $2,956.14
ANDREWS 28726 $2,964.59 28901 $2,955.89
HAYESVILLE 28728 $3,105.89 28904 $2,955.73
APEX 28729 $2,943.86 27502 $2,954.85
TOPTON 28730 $2,886.16 28781 $2,954.48
ROBBINSVILLE 28731 $2,957.15 28771 $2,954.03
HOT SPRINGS 28732 $2,962.48 28743 $2,952.05
ALMOND 28733 $3,134.48 28702 $2,951.86
FRANKLIN 28734 $2,950.89 28734 $2,950.89
HORSE SHOE 28735 $3,145.77 28742 $2,950.59
GREENSBORO 28736 $3,133.94 27409 $2,949.27
BRYSON CITY 28738 $3,126.21 28713 $2,947.98
TUCKASEGEE 28739 $2,927.03 28783 $2,944.99
ETOWAH 28740 $3,097.57 28729 $2,943.86
HENDERSONVILLE 28741 $2,964.22 28792 $2,943.31
HENDERSONVILLE 28742 $2,950.59 28791 $2,943.11
MILLS RIVER 28743 $2,952.05 28759 $2,942.81
PISGAH FOREST 28745 $2,925.48 28768 $2,942.27
CULLOWHEE 28746 $3,106.29 28723 $2,939.65
SYLVA 28747 $2,936.60 28779 $2,939.22
PENROSE 28748 $2,863.37 28766 $2,939.11
WAYNESVILLE 28749 $3,240.93 28785 $2,938.80
CANTON 28750 $3,276.98 28716 $2,936.86
WHITTIER 28751 $2,932.40 28789 $2,936.70
LAKE TOXAWAY 28752 $3,086.95 28747 $2,936.60
GREENSBORO 28753 $2,957.56 27455 $2,936.09
OAK RIDGE 28754 $2,956.61 27310 $2,935.71
CLYDE 28755 $3,253.97 28721 $2,935.66
WAYNESVILLE 28756 $3,118.47 28786 $2,933.50
MAGGIE VALLEY 28757 $3,074.85 28751 $2,932.40
CLEMMONS 28759 $2,942.81 27012 $2,931.90
WINSTON SALEM 28760 $3,127.46 27106 $2,931.53
CHEROKEE 28761 $3,068.53 28719 $2,931.14
SUMMERFIELD 28762 $2,963.64 27358 $2,929.71
CHAPEL HILL 28763 $2,960.60 27514 $2,927.23
WALKERTOWN 28765 $3,250.28 27051 $2,927.05
HENDERSONVILLE 28766 $2,939.11 28739 $2,927.03
JAMESTOWN 28768 $2,942.27 27282 $2,926.60
LAKE JUNALUSKA 28770 $3,074.85 28745 $2,925.48
WINSTON SALEM 28771 $2,954.03 27104 $2,921.73
BREVARD 28772 $3,126.83 28712 $2,921.40
BELEWS CREEK 28773 $3,094.97 27009 $2,920.75
GREENSBORO 28774 $3,127.78 27408 $2,920.37
WINSTON SALEM 28775 $3,134.72 27109 $2,919.90
CHAPEL HILL 28776 $3,099.21 27517 $2,914.09
COLFAX 28777 $3,088.43 27235 $2,913.99
PFAFFTOWN 28778 $2,878.06 27040 $2,913.31
WINSTON SALEM 28779 $2,939.22 27101 $2,913.24
RURAL HALL 28781 $2,954.48 27045 $2,911.84
TOBACCOVILLE 28782 $3,120.20 27050 $2,910.16
ASHEVILLE 28783 $2,944.99 28803 $2,909.29
CARRBORO 28784 $3,140.20 27510 $2,908.96
GREENSBORO 28785 $2,938.80 27410 $2,908.91
ASHEVILLE 28786 $2,933.50 28805 $2,907.32
WINSTON SALEM 28787 $2,872.11 27105 $2,906.78
LEWISVILLE 28789 $2,936.70 27023 $2,906.14
WINSTON SALEM 28790 $2,957.19 27103 $2,906.04
KERNERSVILLE 28791 $2,943.11 27284 $2,904.11
ASHEVILLE 28792 $2,943.31 28806 $2,901.39
ARDEN 28801 $2,884.67 28704 $2,896.41
CHAPEL HILL 28803 $2,909.29 27516 $2,894.00
ASHEVILLE 28804 $2,892.21 28804 $2,892.21
BLACK MOUNTAIN 28805 $2,907.32 28711 $2,891.80
FAIRVIEW 28806 $2,901.39 28730 $2,886.16
ASHEVILLE 28810 $3,096.97 28801 $2,884.67
HIGH POINT 28901 $2,955.89 27265 $2,883.83
BARNARDSVILLE 28902 $2,956.14 28709 $2,882.94
SWANNANOA 28903 $3,134.48 28778 $2,878.06
WEAVERVILLE 28904 $2,955.73 28787 $2,872.11
LEICESTER 28905 $2,956.64 28748 $2,863.37
CANDLER 28906 $2,956.64 28715 $2,862.25
ALEXANDER 28909 $3,136.19 28701 $2,860.59

It’s easy to find the cheapest car insurance rates for you. Just enter your zip code to get started.

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

Best North Carolina Car Insurance Companies

From company financial ratings to rates for drivers of various histories, you’ll want to consider the pros and cons of each insurer because the best car insurance company for you depends on a number of factors.

For our compilation of the best car insurance companies in North Carolina, check out the sections below.

– The Largest Companies Financial Rating

A.M. Best Financial Rating informs consumers of the financial strength of a particular insurance company.

Here are their financial ratings for the biggest insurers in North Carolina:

Company Rating
State Farm A++
Nationwide A+
Geico A++
North Carolina Farm Bureau Group A
Amtrust NGH Group Not Rated
Allstate A+
USAA A++
Progressive A+
Erie Insurance Group A+
Liberty Mutual A

– Companies with Best Ratings

When you think of the best-ranked car insurance companies, do you think of zippy commercials with geckos or cashiers named Flo? If you do, you might be surprised to learn that J.D. Power and Associates recently ranked Farm Bureau Insurance – Tennessee the best auto insurer in North Carolina.

Here are their 2019 rankings for the Southeast region, including the Tarheel State:

JD Power 2019 Southeast Region

– Companies with Most Complaints in North Carolina

Knowing who gets the most complaints can help you determine who is the best car insurer for you and your family.

Our research shows these are the auto insurers with the most complaints in the Old North State:

  1. MAPFRE North America
  2. MetLife
  3. Mercury General
  4. Progressive
  5. Liberty Mutual
  6. Nationwide
  7. Allstate
  8. Farmers Insurance
  9. Berkshire Hathaway
  10. State Farm

– Cheapest Companies in North Carolina

We understand that cost might be your bottom dollar when it comes to choosing a car insurance company.

Just remember that the cheapest isn’t always best (though most expensive might not be either).

All things considered, Liberty Mutual is the cheapest on average car insurance provider in North Carolina. They also don’t have a high number of customer complaints and have an average financial rating.

The table below provides the cheapest companies in North Carolina as of 2019.

Company Average
Allstate $7,190.43
Geico $2,936.69
Liberty Mutual $2,182.71
Nationwide $2,848.04
Progressive $2,382.61
State Farm $3,078.65
Standard $3,132.66

– Commute Rates by Companies

At 24.1 minutes each way, North Carolinians have a quicker commute than the national average of 26.1 minutes. In urban metros like Charlotte, that time increases, not surprisingly.

Again, Liberty Mutual holds steady as the cheapest company despite your commute. Your commute time can be a factor your auto insurer considers in determining your premium, and here is some information on various company car insurance premiums with average commutes in North Carolina:


Group

Commute And Annual Mileage

Annual Average
Liberty Mutual 25 miles commute. 12000 annual mileage. $4,420.82
Liberty Mutual 10 miles commute. 6000 annual mileage. $4,242.69
Progressive 25 miles commute. 12000 annual mileage. $3,644.69
Progressive 10 miles commute. 6000 annual mileage. $3,644.69
Farmers 25 miles commute. 12000 annual mileage. $2,770.70
Farmers 10 miles commute. 6000 annual mileage. $2,770.70
Allstate 25 miles commute. 12000 annual mileage. $2,708.27
Allstate 10 miles commute. 6000 annual mileage. $2,708.27
State Farm 25 miles commute. 12000 annual mileage. $2,270.59
State Farm 10 miles commute. 6000 annual mileage. $2,126.96
Travelers 25 miles commute. 12000 annual mileage. $2,253.96
Travelers 10 miles commute. 6000 annual mileage. $2,253.96
Geico 25 miles commute. 12000 annual mileage. $1,534.83
Geico 10 miles commute. 6000 annual mileage. $1,485.46
USAA 25 miles commute. 12000 annual mileage. $1,500.17
USAA 10 miles commute. 6000 annual mileage. $1,418.24

– Coverage Level Rates by Companies

Are you a high-risk driver? You might need a higher level of coverage when it comes to car insurance. Do you drive five miles a day and have a squeaky-clean record? You might be okay with a lower coverage level.

Regardless, we’ve compiled the rates by coverage level for North Carolina’s top insurers:

Company Coverage Type Annual Average
Allstate High $7,473.78
Allstate Medium $7,164.38
Allstate Low $6,933.13
Geico High $3,080.53
Geico Medium $2,926.41
Geico Low $2,803.12
Liberty Mutual High $2,300.51
Liberty Mutual Medium $2,169.37
Liberty Mutual Low $2,078.26
Nationwide High $2,978.58
Nationwide Medium $2,834.35
Nationwide Low $2,731.17
Progressive High $2,517.70
Progressive Medium $2,368.67
Progressive Low $2,261.45
State Farm High $3,221.52
State Farm Medium $3,063.31
State Farm Low $2,951.13
Travelers High $3,279.91
Travelers Medium $3,116.45
Travelers Low $3,001.62

– Credit History Rates by Companies

North Carolina’s average Vantage credit score is 666, just below the national average of 675 for 2017.

Your credit history can be a huge factor for companies in determining your car insurance premium. Before getting insurance, you’ll want to know if you have good, fair, or poor credit. If you find you have a low credit score, Liberty Mutual is likely to be the cheapest car insurance provider for you in North Carolina.

Here’s the average premiums by credit rating for North Carolina’s top car insurance companies:

Company Credit History Annual Average
Allstate Poor $9,736.64
Allstate Fair $6,309.79
Allstate Good $5,524.87
Geico Poor $3,177.49
Geico Fair $2,922.17
Geico Good $2,710.39
Liberty Mutual Fair $2,182.71
Liberty Mutual Good $2,182.71
Liberty Mutual Poor $2,182.71
Nationwide Fair $2,848.03
Nationwide Good $2,848.03
Nationwide Poor $2,848.03
Progressive Poor $2,689.33
Progressive Fair $2,325.80
Progressive Good $2,132.70
State Farm Poor $4,327.76
State Farm Fair $2,763.43
State Farm Good $2,144.76
Travelers Poor $3,352.92
Travelers Fair $3,043.96
Travelers Good $3,001.11

But what’s even more important than credit history to car insurance providers in determining what you have to pay them? Your driving record.

– Driving Record Rates by Companies

North Carolina, home of the NASCAR Museum, does not always shy away from its need for speed. But remember, your driving record certainly affects your premium, perhaps more than anything else.

If you’ve had a speeding violation, Progressive is likely the cheapest company for car insurance in North Carolina. A DUI in your past? Look into Liberty Mutual.

Here’s what you can expect based on different driving histories in North Carolina:

Company Driving Record Annual Average
Allstate With 1 DUI $12,757.11
Allstate With 1 accident $6,855.02
Allstate With 1 speeding violation $5,262.09
Allstate Clean record $3,887.51
Geico With 1 DUI $5,666.30
Geico With 1 accident $2,336.01
Geico With 1 speeding violation $2,167.56
Geico Clean record $1,576.88
Liberty Mutual With 1 DUI $4,095.53
Liberty Mutual With 1 accident $1,668.53
Liberty Mutual With 1 speeding violation $1,668.53
Liberty Mutual Clean record $1,298.25
Nationwide With 1 DUI $5,390.16
Nationwide With 1 accident $2,164.71
Nationwide With 1 speeding violation $2,164.71
Nationwide Clean record $1,672.56
Progressive With 1 DUI $5,173.29
Progressive With 1 accident $1,642.22
Progressive With 1 speeding violation $1,590.55
Progressive Clean record $1,124.37
State Farm With 1 DUI $5,926.55
State Farm With 1 accident $2,371.17
State Farm With 1 speeding violation $2,371.17
State Farm Clean record $1,645.72
Travelers With 1 DUI $5,836.08
Travelers With 1 accident $2,448.95
Travelers With 1 speeding violation $2,400.64
Travelers Clean record $1,844.98

– Largest Car Insurance Companies in North Carolina

Bigger can sometimes mean better and cheaper. Here are the biggest auto insurers in North Carolina:

Company Premiums Written Market Share
State Farm $915,686 15.30%
Nationwide $760,136 12.70%
Geico $670,830 11.21%
North Carolina Farm Bureau Group $558,355 9.46%
Amtrust NGH Group $558,355 9.33%
Allstate $503,501 8.41%
USAA $449,687 7.51%
Progressive $338,265 5.65%
Erie Insurance Group $226,829 3.79%
Liberty Mutual $175,250 2.93%

– Number of Foreign vs. Domestic Insurers in North Carolina

Both domestic and foreign insurers are operating in the state of North Carolina. Those terms might be misleading, but the difference is simple.

  • Domestic means that the insurer is in-state, or it may be an insurance company only available in the state of North Carolina.
  • Foreign means out of state, or a company such as Geico that is available in multiple states.

In North Carolina, there are 56 domestic insurers and 855 foreign insurers. 

North Carolina Laws

It’s always important to know the laws where you’re driving.

The National Motorists Association offers a top-notch summary of North Carolina’s driving laws, some of which we’ll talk about below.

– Car Insurance Laws

Remember, North Carolina requires liability insurance with the following minimums:

  • Injury to one person: $30,000
  • All injuries: $60,000
  • Property Damage: $25,000

Also remember, these are minimums. What is best for you and your family might be coverage above liability.

– How State Laws for Insurance are Determined

Insurance laws can seem like a mystery, but they don’t just arise from the fog of the Blue Ridge Mountains.

The standard setting and regulatory support organization for the United States is the National Association of Insurance Commissioners (NAIC). Created and governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories they offer this great guide to understanding how insurance laws get made.

– Windshield Coverage

Rats! You’ve cracked your windshield, and that crack is spreading.

Are insurers required by North Carolina law to replace windshield glass? Yes.

And good news: you can choose where the repairs are done, and the insurance company must use aftermarket parts that are equal to the original parts they are replacing.

By North Carolina law G.S. 58-3-180, “it is a violation for an automobile repair facility or parts person to place a nonoriginal crash repair part, nonoriginal windshield, or  nonoriginal auto glass on a motor vehicle and to submit an invoice for an original repair part.”

Glass repair is the number one insurance claim across the nation, and North Carolina premiums are cheaper, in part, because the state has strict regulations for windshield coverage.

– High-Risk Insurance

Like many states, North Carolina uses a points system. That is, the higher the number of points you have — as in, moving infractions on your driving record — the higher your car insurance premiums are likely to be.

Some examples of moving violations and the points associated with them include:

  • Speeding 10 MPH or less over a speed limit that’s lower than 55 MPH: one point
  • Following too closely: two points
  • Causing an accident that results in death or total bodily injury of over $1,800: three points
  • Reckless driving: four points
  • Driving while your license or registration is revoked/suspended: eight points
  • Speeding to elude arrest: 10 points
  • Hit-and-run that results in bodily injury or death: 12 points

But even if you’re not a spotless driver, North Carolina has a Safe Driver Incentive Plan in place to allow folks to reduce the number of violative points on their record.

– Automobile Insurance Fraud in North Carolina

Insurance fraud can come from two directions: from companies to consumers, and from consumers to companies.

Avoiding frauding your insurance company is fairly simple: don’t file false claims. And remember, insurance fraud can be a felony in the state of North Carolina.

The North Carolina Department of Insurance warns you to be on the lookout for the most common types of insurance schemes in North Carolina:

  • Automobile repair fraud
  • Staged automobile accidents
  • Fraudulent billing of customers for medical services
  • Property claims adjusting
  • Property repair

– Statute of Limitations

The Business Dictionary defines statute of limitations as the “legislation that sets a timeframe (limitations period) within which affected parties must take action to enforce their rights or to seek redress after a damage or injury.” Basically, a statute of limitations is the time you have to file a lawsuit in court following an automobile incident.

In North Carolina, the statute of limitations is three years for both personal injury and property damage cases.

– North Carolina Specific Laws

We recommend you check out The National Motorists Association’s summary of North Carolina-specific driving laws.

For now though, here is some interesting (and important) information for driving in North Carolina:

  • North Carolina is notorious for citing nonresidents who then receive offers from attorneys in the locale of the violation who “guarantee” a “no point” or reduced point violation for a specified amount of money.
  • Left turns on red from a one-way street to another one-way street are illegal in North Carolina.
  • North Carolina requires that you have your headlights on whenever you are using your windshield wipers.

Also, whether your ticket is for parking, speeding, equipment, or a DUI, you have the right to a trial by jury in North Carolina.

– Vehicle Licensing Laws

Who doesn’t love getting their picture taken at the DMV?

Like almost everywhere, North Carolina requires a valid driver’s license to operate a vehicle. Want to test your luck? Unlicensed driving is a class 3 misdemeanor carrying a fine of up to $200. A convicted person may also be sentenced to up to 20 days in jail, depending on his or her criminal history.

– Real ID

Even though you don’t need a REAL ID to drive in North Carolina, the state’s Department of Transportation makes it pretty easy to obtain one. Just visit the DMV with the required acceptable documentation.

Having a REAL ID can save you the hassle of bringing other forms of identification with you to conduct official state or federal government business.

– Penalties for Driving Without Insurance

Trust us: it’s never a good idea to drive without insurance.

Here are the penalties for driving without insurance in the Old North State:

  • First offense:  $50 civil penalty; license/registration suspended for 30 days and $50 reinstatement fee; 45-day probation.
  • Second offense:  $100 civil penalty; license/registration suspended for 30 days and $50 reinstatement fee; 45-day probation.
  • Third and subsequent offenses:  $150 civil penalty; license/registration suspended for 30 days and $50 reinstatement fee; 45-day probation.

– Teen Driver Laws

If you’re new to North Carolina, it’s best to read up before your teen gets on the road, as teen driving laws vary from state to state.

Here’s some info on driving as a teen in the Tarheel State:

Teen Driving Laws in North Carolina Requirements #1 Requirements #2 Requirements #3
To get a learners license you must:
Have a minimum age of 15. Pass a driver's education course. Receive a driver's eligibility and a driver's education certificate.
Before getting a license or restricted license you must: Have a minimum age of 16. Have a mandatory holding period of 12 months Have 60 hours of supervised driving time. 10 hours must be at night;.
Restrictions Nighttime restrictions from 9 p.m. to 5 a.m. No more than one passenger younger than 21. -

– Older Driver License Renewal Procedures

The rules for older drivers in North Carolina are pretty straightforward, differing little from the rules for other adult drivers. Here’s some helpful information:

  • Older Population License Renewal: every five years for people 66 years and older.
  • Proof of vision required: every renewal.
  • Mail or online renewal permitted: yes, for every other renewal.

– New Residents

So you’re planning a move to North Carolina, one of the fastest-growing states in the nation? Don’t forget to include plans for your auto insurance and registration in your moving details.

The most important thing to know: you must register and title your vehicle, as well as get a North Carolina license, within 60 days of moving to the state.

That’s two months to get your car registered and your official North Carolina (or Duke!) basketball gear.

– License Renewal Procedures

We all look forward to a trip to the license office. Well, not really, but come prepared and you’ll have a much smoother experience.

In North Carolina, you must have a current or expired license with you at the time of renewal. If you do not have one of these, you must present two forms of identification.

Please note: the North Carolina DMV will mail you a renewal card 60 days before your license expires. But, get ahead of the game by renewing your license up to 180 days before its expiration date.

And more good news. If you don’t have a restriction on your driver’s license and if you carry a standard Class C driver’s license, you can renew online.

– Negligent Operator Treatment System (NOTS)

Remember, North Carolina is a “points” state, meaning the more moving infractions you have on your driving record, the more points you have. The more points you have, the more expensive your car insurance premium is likely to be.

The North Carolina Department of Transportation offers these key facts about the points system:

  • An individual’s license may be suspended if they accumulate as many as 12 points within a three-year period.
  • Eight points within three years following the reinstatement of a license can result in an additional suspension.
  • When a driving privilege is reinstated, all previous points on an individual’s record are canceled.

– Rules of the Road

Whether you’re a North Carolinian by birth or by choice, or even if you’re just passing through the Tarheel State, you’ll need to know rules for driving in North Carolina.

Below we offer some helpful advice we’ve compiled to make sure you’re in the know.

– Fault vs. No-Fault

North Carolina is an at-fault state.

This means you’ll be held financially and legally liable if you are found at-fault in an auto accident.

Make sure you have the best liability insurance you can to protect you and your family.

– Seat belt and car seat laws

Unlike many states, North Carolina primarily enforces seat belt and car seat laws. This means if a police officer sees you not wearing your seat belt or doesn’t see a child in a car seat, they can (and likely will) stop you without any other reason.

The North Carolina Department of Public Safety explains that “all drivers, front seat passengers and back seat passengers ages 16 and older must wear their seat belts. Children less than age 16 are covered by the NC child passenger safety law.”

The North Carolina Child Passenger Safety Law requires children less than age 16 to be properly restrained in an age, weight, and height appropriate restraint.

That means that a properly used car seat or booster seat is required for children less than age 8 and less than 80 pounds, and that only when a child reaches age 8 (regardless of weight) or 80 pounds (regardless of age), a properly fitted seat belt can be used in place of a car seat or booster seat.

– Keep Right and Move Over Laws

The law firm Riddle & Brantley explains that “the ‘Move Over’ law in North Carolina requires motorists to move their vehicles away from the lane closest to a parked law enforcement or emergency vehicle.”

Also, if you are in the left lane on a multi-lane highway, slow driving is not allowed if you are traveling under the speed limit.

– Speed Limits

Speed limits in North Carolina are absolute, meaning that exceeding the speed limit is illegal per se (regardless of whether it was safe under the specific conditions).

Absolute speed limits in the Old North State are the same for both cars and trucks:

  • Rural Interstates: 70 mph
  • Urban Interstates: 70 mph
  • Other Limited Access Roads: 70 mph

– Ridesharing

Ridesharing options like Uber and Lyft are becoming more and more common, especially in growing cities like Charlotte and Raleigh, North Carolina.

Fortunately, such companies require their drivers to carry insurance to cover them and their passengers in the case of an accident.

ABC 11 in Raleigh reports that North Carolina is going a step further in protecting rideshare passengers, explaining that the Passenger Protection Act (House Bill 391) will require Uber, Lyft and other rideshare company drivers to:

  • Display a license plate number visible in front of the car.
  • Have an illuminated sign displaying the rideshare logo that can be visible in darkness.

– Automation on the Road

North Carolinians are likely to see more and more automation on their roadways. The Insurance Institute for Highway Safety (IIHS) explains that automation is simply the use of a machine or technology to perform a task that was previously carried out by a human.

North Carolina is one of 12 states that have authorized the full deployment of automated vehicles.

– DUI Laws

Never drive while under the influence of alcohol. And remember, North Carolina’s DUI Laws are some of the strictest in the United States.

Absolute Advocacy explains that alcohol-impaired driving can be proven in one of two ways:

  1. By proving the driver’s physical or mental fitness are appreciably impaired by alcohol, drugs or a combination of both; or
  2. By proving the driver’s blood alcohol concentration is 0.08 percent or more.

With four levels of DUI offense, a person convicted of the lowest-level DUI for the first time faces a minimum $4,000 fine and up to a year of revoked licensure.

– Marijuana-Impaired Driving Laws

There are no marijuana-specific laws in the state of North Carolina, but it doesn’t mean you won’t get in trouble for driving under the influence.

The state’s DUI laws extend to cover “alcohol, drugs or a combination of both” when it comes to determining impairment.

– Distracted Driving Laws

AAA reports that in North Carolina, “text messaging and emailing while driving are prohibited for all drivers. Limited learner’s permit and provisional driver’s license holders, and drivers under 18, are prohibited from all cell phone use. School bus drivers are not permitted to use cell phones.”

And those laws may be becoming stricter. The Hands Free North Carolina Act is currently being debated in the state legislature.

https://youtu.be/xxGOVuCpt0o

Driving Safely in North Carolina

You probably know that driving safely is important wherever you are.

In the sections below, we’ve compiled some important information on keeping you, your family, and your vehicles safe in North Carolina.

– Vehicle Theft in North Carolina

The FBI tracks vehicle theft and other crimes across the state of North Carolina, from Cape Carteret to Wrightsville Beach. In 2016, Charlotte led the state in vehicle thefts, with 2,761.

It’s important to check your insurance policy for coverage in the case of vehicle theft.

The table below offers the top-10 most-stolen cars in North Carolina for 2017 by make, model year, and the number of thefts.

Vehicle Year Thefts
Honda Accord 1997 609
Ford Pickup (Full Size) 2004 424
Chevrolet Pickup (Full Size) 2003 370
Honda Civic 2000 350
Toyota Camry 2014 291
Nissan Altima 2015 249
Jeep Cherokee/Grand Cherokee 1999 203
Chevrolet Impala 2006 194
Toyota Corolla 2014 190
Ford Explorer 2003 185

– Road Fatalities in North Carolina

Fatalities are sadly on the rise in the growing state of North Carolina.

Here’s the 2017 breakdown of road fatalities by county:

County 2013 2014 2015 2016 2017
Alamance 23 9 24 15 26
Alexander 8 6 6 4 1
Alleghany 4 0 2 1 2
Anson 7 8 2 1 6
Ashe 5 2 6 7 2
Avery 2 0 3 3 2
Beaufort 13 7 5 6 11
Bertie 5 11 6 7 8
Bladen 16 9 4 16 10
Brunswick 13 13 12 15 30
Buncombe 35 29 36 25 32
Burke 9 16 8 16 17
Cabarrus 19 17 24 23 17
Caldwell 8 9 12 10 6
Camden 1 4 0 0 2
Carteret 8 4 4 9 3
Caswell 2 4 6 7 6
Catawba 21 24 28 15 19
Chatham 12 12 12 15 13
Cherokee 6 5 5 6 11
Chowan 0 3 1 2 3
Clay 2 1 2 2 3
Cleveland 9 16 20 33 10
Columbus 22 18 14 26 30
Craven 17 10 16 19 9
Cumberland 53 40 43 43 43
Currituck 4 4 4 9 5
Dare 7 2 2 4 2
Davidson 31 24 28 34 23
Davie 4 7 6 7 9
Duplin 9 17 20 8 9
Durham 25 26 25 22 31
Edgecombe 8 9 11 7 14
Forsyth 27 34 40 42 42
Franklin 12 4 7 19 14
Gaston 23 31 40 29 23
Gates 3 5 4 3 2
Graham 5 3 3 5 2
Granville 8 18 12 12 12
Greene 3 3 5 1 5
Guilford 44 57 57 59 66
Halifax 12 9 12 10 12
Harnett 27 23 23 22 34
Haywood 7 6 8 14 10
Henderson 9 16 9 14 12
Hertford 3 1 4 7 8
Hoke 6 11 15 15 18
Hyde 0 1 1 0 1
Iredell 22 27 18 23 31
Jackson 5 7 6 10 4
Johnston 28 36 27 34 32
Jones 2 2 1 3 3
Lee 15 7 21 8 19
Lenoir 7 11 9 9 3
Lincoln 12 7 19 14 14
Macon 4 9 5 8 7
Madison 3 4 3 3 6
Martin 5 3 2 7 4
Mcdowell 10 9 5 8 5
Mecklenburg 67 69 80 103 114
Mitchell 4 0 2 2 0
Montgomery 4 10 3 8 13
Moore 9 26 16 19 19
Nash 21 24 24 27 17
New Hanover 18 18 22 20 18
Northampton 7 9 5 2 9
Onslow 25 23 24 20 18
Orange 15 10 12 12 10
Pamlico 2 3 5 3 0
Pasquotank 0 3 4 4 2
Pender 15 19 14 16 17
Perquimans 5 0 2 1 0
Person 6 7 6 3 9
Pitt 21 16 32 22 21
Polk 5 6 4 2 3
Randolph 22 23 26 17 25
Richmond 12 9 5 17 9
Robeson 42 32 53 38 53
Rockingham 13 11 15 20 8
Rowan 27 27 23 20 14
Rutherford 11 14 6 6 11
Sampson 13 10 25 24 18
Scotland 9 8 9 5 10
Stanly 10 8 11 13 12
Stokes 9 8 9 9 7
Surry 11 18 16 18 8
Swain 5 2 1 2 1
Transylvania 3 7 5 1 7
Tyrrell 0 0 0 0 0
Union 21 18 16 27 28
Vance 13 9 10 9 9
Wake 73 63 65 81 53
Warren 0 3 6 10 6
Washington 0 0 3 2 3
Watauga 4 3 12 5 4
Wayne 26 22 17 24 13
Wilkes 10 13 12 11 12
Wilson 13 14 15 18 20
Yadkin 6 6 8 8 6
Yancey 3 3 3 5 1

One key factor of road fatalities in North Carolina: the urban vs. rural divide.

Here’s the breakdown of fatalities, both urban and rural, from 2008 to 2017:

  2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
Rural 1,010 964 945 835 901 861 896 910 902 903
Urban 418 349 375 394 398 426 388 468 543 509

– Most fatal highway in North Carolina

I-40, the busy cross-country interstate that traverses North Carolina, was named the state’s most deadly highway in a 2019 study.

– Fatal Crashes by Weather Condition and Light Condition

Both the weather and the time of day are extremely determinative of fatality rates in automobile accidents.

Here are the most recent weather and light-condition fatality rates for the state of North Carolina:

Weather Condition Daylight Dark, but Lighted Dark Dawn or Dusk Other / Unknown Total
Normal 619 132 384 47 2 1,184
Rain 38 18 31 7 0 94
Snow/Sleet 4 1 2 2 0 9

– Fatalities (All Crashes) by County

Not surprisingly, the more populous the county, the more roadway fatalities.

Here are the county-by-county fatality rates for the last five years across North Carolina:

County 2013 2014 2015 2016 2017
Alamance 23 9 24 15 26
Alexander 8 6 6 4 1
Alleghany 4 0 2 1 2
Anson 7 8 2 1 6
Ashe 5 2 6 7 2
Avery 2 0 3 3 2
Beaufort 13 7 5 6 11
Bertie 5 11 6 7 8
Bladen 16 9 4 16 10
Brunswick 13 13 12 15 30
Buncombe 35 29 36 25 32
Burke 9 16 8 16 17
Cabarrus 19 17 24 23 17
Caldwell 8 9 12 10 6
Camden 1 4 0 0 2
Carteret 8 4 4 9 3
Caswell 2 4 6 7 6
Catawba 21 24 28 15 19
Chatham 12 12 12 15 13
Cherokee 6 5 5 6 11
Chowan 0 3 1 2 3
Clay 2 1 2 2 3
Cleveland 9 16 20 33 10
Columbus 22 18 14 26 30
Craven 17 10 16 19 9
Cumberland 53 40 43 43 43
Currituck 4 4 4 9 5
Dare 7 2 2 4 2
Davidson 31 24 28 34 23
Davie 4 7 6 7 9
Duplin 9 17 20 8 9
Durham 25 26 25 22 31
Edgecombe 8 9 11 7 14
Forsyth 27 34 40 42 42
Franklin 12 4 7 19 14
Gaston 23 31 40 29 23
Gates 3 5 4 3 2
Graham 5 3 3 5 2
Granville 8 18 12 12 12
Greene 3 3 5 1 5
Guilford 44 57 57 59 66
Halifax 12 9 12 10 12
Harnett 27 23 23 22 34
Haywood 7 6 8 14 10
Henderson 9 16 9 14 12
Hertford 3 1 4 7 8
Hoke 6 11 15 15 18
Hyde 0 1 1 0 1
Iredell 22 27 18 23 31
Jackson 5 7 6 10 4
Johnston 28 36 27 34 32
Jones 2 2 1 3 3
Lee 15 7 21 8 19
Lenoir 7 11 9 9 3
Lincoln 12 7 19 14 14
Macon 4 9 5 8 7
Madison 3 4 3 3 6
Martin 5 3 2 7 4
Mcdowell 10 9 5 8 5
Mecklenburg 67 69 80 103 114
Mitchell 4 0 2 2 0
Montgomery 4 10 3 8 13
Moore 9 26 16 19 19
Nash 21 24 24 27 17
New Hanover 18 18 22 20 18
Northampton 7 9 5 2 9
Onslow 25 23 24 20 18
Orange 15 10 12 12 10
Pamlico 2 3 5 3 0
Pasquotank 0 3 4 4 2
Pender 15 19 14 16 17
Perquimans 5 0 2 1 0
Person 6 7 6 3 9
Pitt 21 16 32 22 21
Polk 5 6 4 2 3
Randolph 22 23 26 17 25
Richmond 12 9 5 17 9
Robeson 42 32 53 38 53
Rockingham 13 11 15 20 8
Rowan 27 27 23 20 14
Rutherford 11 14 6 6 11
Sampson 13 10 25 24 18
Scotland 9 8 9 5 10
Stanly 10 8 11 13 12
Stokes 9 8 9 9 7
Surry 11 18 16 18 8
Swain 5 2 1 2 1
Transylvania 3 7 5 1 7
Tyrrell 0 0 0 0 0
Union 21 18 16 27 28
Vance 13 9 10 9 9
Wake 73 63 65 81 53
Warren 0 3 6 10 6
Washington 0 0 3 2 3
Watauga 4 3 12 5 4
Wayne 26 22 17 24 13
Wilkes 10 13 12 11 12
Wilson 13 14 15 18 20
Yadkin 6 6 8 8 6
Yancey 3 3 3 5 1

– Fatalities by Person Type

Not only motorists die on North Carolina’s roads.

Pedestrians, cyclists, and others are part of the state’s transportation system, too.

The following table shows fatalities by person type from 2013 to 2017:

Person 2013 2014 2015 2016 2017
Passenger Car 533 517 605 582 581
Light Truck - Pickup 149 152 154 177 151
Light Truck - Utility 146 144 149 184 170
Light Truck - Van 43 52 39 55 51
Light Truck - Other 1 0 1 1 3
Large Truck 16 20 19 20 29
Bus 0 0 0 4 0
Motorcyclists 189 190 192 185 176
Pedestrian 174 172 182 200 198
Bicyclist and Other Cyclist 22 19 23 17 29

– Fatalities by Crash Type

Crashes are caused by a variety of reasons, from speeding to drunk driving. The following table shows North Carolina fatalities by crash type from 2013 to 2017:

Crash Type 2013 2014 2015 2016 2017
Single Vehicle 743 756 751 819 765
Involving a Large Truck 139 121 129 152 164
Involving Speeding 413 497 547 566 423
Involving a Rollover 311 336 332 361 360
Involving a Roadway Departure 775 771 803 889 798
Involving an Intersection (or Intersection Related) 239 230 256 245 268

– Five-Year Trend For The Top 10 Counties

North Carolina is growing, and growing fast.

Here are the five-year road fatality trends for the state’s 10 biggest counties:

County 2013 2014 2015 2016 2017
Mecklenburg County 67 69 80 103 114
Guilford County 44 57 57 59 66
Robeson County 42 32 53 38 53
Wake County 73 63 65 81 53
Cumberland County 53 40 43 43 43
Forsyth County 27 34 40 42 42
Harnett County 27 23 23 22 34
Buncombe County 35 29 36 25 32
Johnston County 28 36 27 34 32
Durham County 25 26 25 22 31

– Fatalities Involving Speeding by County

Speeding is a top cause of roadway death.

Here are the statistics on fatalities caused by speeding in North Carolina by county:

County 2013 2014 2015 2016 2017
Alamance 11 2 6 4 8
Alexander 5 2 2 0 1
Alleghany 0 0 1 0 1
Anson 1 4 0 1 0
Ashe 0 0 1 1 0
Avery 1 0 0 2 0
Beaufort 0 1 1 2 1
Bertie 3 4 3 2 4
Bladen 3 1 1 6 3
Brunswick 4 4 4 5 8
Buncombe 9 8 15 8 9
Burke 2 6 2 5 2
Cabarrus 8 4 13 12 5
Caldwell 2 5 5 6 2
Camden 0 0 0 0 0
Carteret 2 2 2 4 1
Caswell 1 2 4 4 3
Catawba 3 11 5 5 4
Chatham 3 2 3 8 3
Cherokee 1 1 5 1 1
Chowan 0 1 0 2 3
Clay 1 0 1 0 1
Cleveland 1 9 8 18 2
Columbus 6 5 2 7 6
Craven 3 6 6 8 2
Cumberland 15 14 14 25 13
Currituck 2 1 0 1 1
Dare 1 1 1 0 0
Davidson 13 12 14 17 12
Davie 1 3 2 5 5
Duplin 2 9 4 3 0
Durham 6 11 11 10 17
Edgecombe 1 6 7 5 2
Forsyth 11 12 10 14 11
Franklin 3 2 1 5 5
Gaston 6 15 12 14 10
Gates 2 2 3 1 1
Graham 2 2 2 2 0
Granville 3 5 2 4 7
Greene 1 1 4 0 1
Guilford 13 27 25 26 19
Halifax 4 5 6 2 8
Harnett 13 11 13 9 14
Haywood 1 3 3 4 2
Henderson 2 9 3 4 2
Hertford 1 0 3 5 1
Hoke 2 2 12 6 9
Hyde 0 0 1 0 1
Iredell 4 6 8 7 3
Jackson 1 4 3 5 3
Johnston 10 11 17 14 9
Jones 0 0 0 2 1
Lee 8 2 7 2 10
Lenoir 0 2 2 2 1
Lincoln 4 1 9 6 4
Macon 1 5 3 2 2
Madison 0 4 2 3 3
Martin 0 2 2 3 2
Mcdowell 2 4 3 1 3
Mecklenburg 28 19 44 49 41
Mitchell 1 0 1 0 0
Montgomery 2 3 1 4 2
Moore 3 13 5 9 3
Nash 4 13 9 9 5
New Hanover 5 8 8 6 4
Northampton 0 1 1 1 1
Onslow 10 12 16 6 5
Orange 11 5 7 3 4
Pamlico 2 2 3 1 0
Pasquotank 0 2 1 1 0
Pender 7 8 6 0 5
Perquimans 0 0 1 0 0
Person 2 4 2 1 2
Pitt 7 5 7 4 2
Polk 2 4 2 1 0
Randolph 8 10 14 9 7
Richmond 4 0 1 7 3
Robeson 19 20 18 20 20
Rockingham 2 5 6 9 2
Rowan 11 8 6 7 3
Rutherford 4 6 2 3 2
Sampson 5 0 7 7 2
Scotland 3 3 6 1 3
Stanly 5 5 3 5 3
Stokes 2 3 3 4 2
Surry 4 6 5 2 2
Swain 2 0 0 2 0
Transylvania 1 4 2 0 6
Tyrrell 0 0 0 0 0
Union 1 5 8 7 11
Vance 6 4 2 4 2
Wake 29 21 24 33 6
Warren 0 1 0 3 3
Washington 0 0 0 1 1
Watauga 2 1 6 4 1
Wayne 5 7 6 11 5
Wilkes 1 5 5 3 3
Wilson 5 4 4 4 8
Yadkin 4 5 4 1 1
Yancey 1 1 2 4 1

– Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

Drunk driving is one of the most notorious causes of road fatalities. (And remember: North Carolina has some of the strictest DUI laws in the nation!)

Here are statistics on fatalities in crashes involving an alcohol-impaired driver in North Carolina by county:

County 2013 2014 2015 2016 2017
Alamance 6 3 6 4 10
Alexander 2 2 2 1 0
Alleghany 1 0 0 0 0
Anson 1 3 0 0 2
Ashe 1 0 0 3 1
Avery 1 0 1 0 0
Beaufort 3 2 0 1 1
Bertie 0 2 3 3 3
Bladen 5 0 0 6 4
Brunswick 5 5 4 5 11
Buncombe 4 9 5 9 7
Burke 3 3 1 3 4
Cabarrus 3 5 8 9 3
Caldwell 1 5 6 5 3
Camden 0 0 0 0 1
Carteret 1 2 1 0 1
Caswell 1 2 2 3 2
Catawba 6 10 8 5 6
Chatham 5 1 2 3 5
Cherokee 3 1 3 1 3
Chowan 0 1 0 1 1
Clay 0 0 1 1 0
Cleveland 3 6 5 13 4
Columbus 8 5 2 7 4
Craven 5 3 3 6 1
Cumberland 15 11 12 17 11
Currituck 0 2 1 0 1
Dare 0 1 0 0 1
Davidson 6 8 9 10 8
Davie 0 2 1 2 2
Duplin 3 5 3 2 1
Durham 4 11 6 7 12
Edgecombe 3 2 3 4 5
Forsyth 8 12 10 18 12
Franklin 2 1 3 5 6
Gaston 3 10 10 8 5
Gates 0 1 1 0 1
Graham 0 0 1 0 0
Granville 3 4 3 3 3
Greene 2 0 2 0 1
Guilford 14 14 19 20 26
Halifax 5 4 5 1 5
Harnett 9 6 8 7 7
Haywood 0 2 0 3 2
Henderson 1 3 0 2 3
Hertford 1 0 1 4 4
Hoke 1 3 8 5 6
Hyde 0 0 1 0 0
Iredell 7 8 4 8 8
Jackson 2 2 1 2 2
Johnston 6 5 6 12 12
Jones 0 0 0 1 0
Lee 7 1 7 2 4
Lenoir 4 1 2 3 1
Lincoln 6 2 7 4 5
Macon 1 3 0 2 1
Madison 1 1 1 2 2
Martin 1 1 2 1 0
Mcdowell 1 2 1 0 0
Mecklenburg 26 25 29 39 40
Mitchell 0 0 0 0 0
Montgomery 1 2 1 2 3
Moore 2 9 7 7 5
Nash 7 8 4 9 4
New Hanover 5 8 6 6 5
Northampton 1 2 1 1 3
Onslow 9 6 12 4 7
Orange 6 3 7 4 3
Pamlico 0 0 2 1 0
Pasquotank 0 1 0 2 0
Pender 7 6 5 3 3
Perquimans 1 0 1 0 0
Person 2 4 2 1 1
Pitt 4 4 10 4 4
Polk 0 0 1 1 0
Randolph 4 9 7 5 6
Richmond 4 4 0 2 1
Robeson 13 9 16 9 16
Rockingham 3 1 2 5 4
Rowan 9 5 4 7 3
Rutherford 2 5 1 0 2
Sampson 4 4 8 3 5
Scotland 1 3 2 3 4
Stanly 5 1 2 5 1
Stokes 4 1 2 4 2
Surry 2 4 5 5 1
Swain 0 1 0 0 0
Transylvania 1 0 1 0 2
Tyrrell 0 0 0 0 0
Union 5 6 5 8 8
Vance 5 4 5 4 2
Wake 29 19 18 27 19
Warren 0 1 1 3 2
Washington 0 0 0 0 0
Watauga 2 2 5 2 2
Wayne 8 4 5 6 5
Wilkes 2 3 3 3 3
Wilson 6 3 5 7 8
Yadkin 0 1 3 4 2
Yancey 0 0 2 0 0

– Teen Drinking and Driving

Teenage drunk driving is a tragic statistic we must discuss, unfortunately.

Here are some key stats on teens and driving under the influence in North Carolina:

Teens and Drunk Driving  
Alcohol-Impaired Driving Fatalities Per one million people 1.5
Higher/Lower Than National Average (1.2) Higher
DUI Arrests (Under 18 years old) 201
DUI Arrests (Under 18 years old) Total Per Million People 87.44

– EMS Response Time

Given the large urban-rural divide in North Carolina, EMS response times can vary greatly by where you live and how populated your city or county is.

Some comfort: EMS response times in North Carolina are well below the national average, no matter where you live.

Here are some recent statistics on EMS response time to crashes in North Carolina:

  Time of Crash to EMS
Notification
EMS Notification to
EMS Arrival
EMS Arrival at Scene
to Hospital Arrival
Time of Crash to Hospital
Arrival
Rural 6 minutes 10 minutes 41 minutes 48 minutes
Urban 3 minutes 8 minutes 29 minutes 37 minutes

– Transportation in North Carolina

North Carolinians love to own cars, love to drive those cars alone to work, and by-and-large eschew public transportation.

– Car Ownership

On average, North Carolina households own at least two cars. DataUSA offers this telling graph of how much Tarheelers loved to own vehicles in 2017:

North Carolina Car Ownership

– Commute Time

Remember that, at 24.1 minutes each way, North Carolinians have a quicker commute than the national average of 26.1 minutes. In urban metros like Charlotte, that time increases, not surprisingly.

North Carolina Commute Time

– Commuter Transportation

DataUSA reports that a whopping 86.1 percent of North Carolinians drive to work alone.

North Carolina Commuter Transportation

– Traffic Congestion

When it comes to traffic, only two North Carolina cities are the worst: Greensboro and Charlotte rank 209th and 91st, respectively, for the worst traffic in the world, according to the INRIX Global Traffic scorecard.

Has this guide helped you learn more about your liabilities as a driver in North Carolina? What part was the most helpful?

Take the next step by getting the best auto insurance quotes for North Carolina by entering your zip code below.

[su_spoiler title=”References:” icon=”caret-square” style=”fancy” open=”yes”]

  1. https://www.bizjournals.com/triangle/news/2018/12/19/how-ncs-population-growth-stacks-up-with-top-10.html
  2. https://autoalliance.org/in-your-state/NC/
  3. https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
  4. https://www.ncleg.net/EnactedLegislation/Statutes/HTML/BySection/Chapter_20/GS_20-309.html
  5. https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/insurance-plates.aspx
  6. https://www.cbsnews.com/news/most-and-least-expensive-states-for-car-insurance-30-07-2012/
  7. http://www.calculatorpro.com/calculator/insurance-cost-calculator/
  8. https://www.naic.org/
  9. https://www.naic.org/documents/topic_insurance_industry_snapshots_2017_industry_analysis_reports.pdf
  10. https://www.citizen-times.com/story/news/local/2018/08/06/boyle-column-north-carolinas-uninsured-motorist-program-farce/884595002/
  11. https://www.tomorrowmakers.com/motor-insurance/understanding-benefits-7-major-car-insurance-riders-listicle
  12. https://www.steinshulman.com/practice-areas/personal-injury/personal-injury-protection-pip-claims-lawyers/
  13. http://www3.ambest.com/ambv/ratingmethodology/OpenPDF.aspx?rc=238151
  14. https://www.jdpower.com
  15. https://www.wbtv.com/2018/10/04/how-long-does-it-take-get-work-average-may-surprise-you/
  16. https://www.experian.com/blogs/ask-experian/state-of-credit/
  17. https://www.motorists.org/chapters/north-carolina/motorists-info/
  18. https://naic.org
  19. https://www.naic.org/documents/topics_white_paper_hist_ins_reg.pdf
  20. https://www.ncleg.net/EnactedLegislation/Statutes/HTML/BySection/Chapter_58/GS_58-36-95.html
  21. https://www.ncdoi.com/_Publications/It%20Pays%20to%20Be%20a%20Safe%20Driver%20Insurance%20Points_CAU1.pdf
  22. http://www.ncdoi.com/
  23. http://www.businessdictionary.com/definition/statute-of-limitations.html
  24. https://www.drivinglaws.org/resources/traffic-offenses-infractions-misdemeanors-and-felonies.html
  25. https://www.ncdot.gov/dmv/license-id/nc-real-id/Pages/default.aspx
  26. https://www.ncdot.gov/dmv/license-id/nc-real-id/Pages/requirements.aspx
  27. https://www.ncdot.gov/dmv/help/moving/Pages/new-residents.aspx
  28. https://edmv.ncdot.gov/DriverLicenseRenewal/
  29. https://www.ncdot.gov/dmv/license-id/license-suspension/Pages/points.aspx
  30. https://www.nolo.com/legal-encyclopedia/north-carolina-car-insurance-requirements.html
  31. https://www.ncdps.gov/our-organization/law-enforcement/state-highway-patrol/faq/seat-belts
  32. https://www.ncleg.net/EnactedLegislation/Statutes/PDF/BySection/Chapter_20/GS_20-137.1.pdf
  33. https://justicecounts.com/auto-accidents/what-is-the-move-over-law-in-nc/
  34. https://abc11.com/new-nc-law-requires-rideshare-drivers-to-show-front-license-plate/5458359/
  35. https://www.ncleg.gov/Sessions/2019/Bills/House/PDF/H391v7.pdf
  36. https://www.iihs.org/topics/advanced-driver-assistance#automation
  37. https://www.iihs.org/iihs/topics/laws/driving-automation
  38. https://statelaws.findlaw.com/north-carolina-law/north-carolina-dwi-laws.html
  39. https://www.absoluteadvocacy.org/things-to-know-nc-dwi-laws/
  40. https://drivinglaws.aaa.com/tag/distracted-driving/
  41. https://youtu.be/xxGOVuCpt0o
  42. https://ucr.fbi.gov/crime-in-the-u.s/2016/crime-in-the-u.s.-2016/tables/table-6/table-6-state-cuts/north-carolina.xls
  43. https://www.wral.com/i-40-tabbed-as-most-dangerous-highway-for-summer-travel-in-nc/18537967/
  44. https://datausa.io/profile/geo/north-carolina
  45. http://inrix.com/scorecard/

[/su_spoiler]

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption