North Carolina Auto Insurance

From North Carolina Auto Insurance Laws & Requirements to North Carolina DUI Laws, from North Carolina Teen Driver Laws to North Carolina Auto Insurance Rate Estimates, from North Carolina Auto Theft Statistics to North Carolina Auto Insurance Rate Trends, trying to find all the information you need can be daunting. The good news is that if you're a North Carolina driver, the facts you want are right here.
North Carolina Auto Insurance Laws, Minimums, Requirements
What mandatory auto insurance laws exist in the state of North Carolina?
North Carolina DUI Laws
North Carolina has a zero tolerance policy for individuals under the age of 21 and commercial vehicle drivers are considered legally drunk if they have a blood alcohol content level of 0.04%. This doesn’t mean that adults and non- commercial drivers have it any easier. If you get caught driving under the influence in the state of North Carolina, it could cost you thousands of dollars in fines, license suspension, and even jail time.
North Carolina (NC) Teen Auto Insurance Laws, Rates & Requirements
The state of North Carolina has one of the youngest starting ages for drivers in the country, but it also has one of the longest holding periods for learners licenses in the nation. This is all a part of North Carolina’s Graduated Driver Licensing program –a program that has helped reduce the state’s number of teen auto accidents and fatalities.
North Carolina Department of Insurance
1201 Mail Service Center
Raleigh, North Carolina 27699-1201
Phone: 919.733.3058

North Carolina Auto Insurance Rate Trends

Knowing auto insurance rates, average monthly premiums, and rate trends for North Carolina makes you an informed consumer. We've compiled recent auto insurance quotes so that you can see North Carolina's average monthly premiums and rate trends by month, and compare those to the national averages. Check out our chart of monthly premiums, and our table of rate increases and rate decreases, and get the info you need to make an educated decision about how much you pay for auto insurance.
National Average
NC Avg. Monthly Premiums
$125
$146
$126
$147
$128
$146
$128
$139
$131
$140
$140
$148
$140
$150
$138
$151
$136
$150
$135
$149
$132
$151
$131
$152
Feb 10Jan 10Dec 09Nov 09Oct 09Sep 09Aug 09Jul 09Jun 09May 09Apr 09Mar 09

NC Premium$ Change% ChangeNational Avg$ Change% Change
Feb 10$125$10.8%$146$10.7%
Jan 10$126$21.6%$147$10.7%
Dec 09$128$00.0$146$64.3%
Nov 09$128$32.3%$139$10.7%
Oct 09$131$96.4%$140$85.4%
Sep 09$140$00.0$148$21.3%
Aug 09$140$21.5%$150$10.7%
Jul 09$138$21.5%$151$10.7%
Jun 09$136$10.7%$150$21.3%
May 09$135$32.3%$149$21.3%
Apr 09$132$10.8%$151$10.7%
Mar 09$131$43%$152$00.0
Data as of 2010. Source: Insurance.com

Top Ten Stolen Cars in North Carolina

1. 1996 Honda Accord
2. 2000 Honda Civic
3. 1996 Jeep Cherokee/Grand Cherokee
4. 1998 Ford Explorer
5. 1994 Toyota Camry
6. 1997 Ford F150
7. 1996 Ford Taurus
8. 1994 Dodge Caravan
9. 1994 Ford Ranger
10. 1997 Chevrolet Cavalier

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