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Cheap Auto Insurance Rates Near Me


Cheap Auto Insurance in Morehead City North Carolina

Why Are Car Insurance Rates So Expensive Near Me

North Carolina is one of the most expensive states to buy car insurance. Morehead City North Carolina has some unique laws and regulations that can drive up the cost of premiums, making it difficult for drivers in the state to find an affordable policy. One factor driving up North Carolina’s insurance rates is its law requiring drivers to carry uninsured/underinsured motorist coverage. This type of coverage pays for damages if a driver without insurance causes an accident. As North Carolina doesn’t have any no-fault auto insurance laws on the books, this means that all drivers must be prepared for unexpected costs when filing a claim. Additionally, North Carolina residents also have to deal with higher premiums due to their location in the Southeast region which is known for its higher-than-average rates.

North Carolina’s high population density can also contribute to higher premiums, as more drivers on the road means a greater likelihood of an accident occurring. North Carolina is also one of a handful of states that imposes what is known as a “flat fee” when calculating insurance premiums. This means that the amount paid for coverage doesn’t take into account any other factors such as age or driving record. While this may seem unfair, it does tend to make Morehead City North Carolina’s auto insurance market slightly more competitive than other states with similar laws in place. By understanding why North Carolina car insurance rates are so expensive and shopping around for the best policy available, North Carolinians can still find great coverage without breaking the bank.

Auto Insurance Rates for Young vs Older People

For Morehead City drivers, auto insurance rates are often determined by a variety of factors. Age is one of the biggest determinants of what you may pay for coverage. In North Carolina, young drivers tend to pay higher premiums due to their lack of driving experience and higher risk on the road. On the other hand, older drivers typically benefit from lower rates because they have more years behind the wheel and a history of safe driving.

Young Morehead City drivers under 21-years-old will generally pay more for car insurance than those over 25-years-old. The difference in premium pricing can be attributed to North Carolina's graduated licensing program which requires younger drivers to prove their skills before being granted full privileges and less restrictions on their policies.

Older Morehead City drivers tend to enjoy lower car insurance rates due to their proven driving skills and years of experience. North Carolina's insurance companies also consider that older drivers are more likely to drive defensively, obey traffic laws, and pay attention on the road. As a result, many North Carolina insurers offer discounts for mature drivers over the age of 55 or those with a clean driving record at least three years in length.

Overall, Morehead City drivers should expect to pay more for auto insurance coverage if they are younger than 25-years-old and less if they are over 25. However, it is important for all North Carolinians to shop around for the best rate regardless of their age in order to find the most affordable and comprehensive coverage.

Best Auto Insurance Companies in North Carolina

Erie

Geico

Progressive

North Carolina Farm Bureau

State Farm

NAIC Market Share

1.34%

13.45%

13.45%

0.17%

16.14%

S&P Global Ratings

AA

AA+

A

A+

AA

Average Full Coverage Yearly Premium

$1,178

$582

$712

$1,246

$1,322

Discount Rating

5 stars

5 stars

5 stars

4 stars

5 stars


Erie

Geico

Progressive

North Carolina Farm Bureau

State Farm

NAIC Market Share

1.34%

13.45%

13.45%

0.17%

16.14%

S&P Global Ratings

AA

AA+

A

A+

AA

Average Full Coverage Yearly Premium

$1,178

$582

$712

$1,246

$1,322

Discount Rating

5 stars

5 stars

5 stars

4 stars

5 stars


Erie

Geico

Progressive

North Carolina Farm Bureau

State Farm

NAIC Market Share

1.34%

13.45%

13.45%

0.17%

16.14%

S&P Global Ratings

AA

AA+

A

A+

AA

Average Full Coverage Yearly Premium

$1,178

$582

$712

$1,246

$1,322

Discount Rating

5 stars

5 stars

5 stars

4 stars

5 stars


Car Insurance Companies Near Me

Carteret Insurance Inc

1109 Arendell St, Morehead City, NC 28557

(252) 808-3300

http://carteretinsuranceagency.com/

Sound Choice Insurance

1210 Arendell St suite a, Morehead City, NC 28557

(252) 247-5000

https://www.soundchoiceinsurance.com/

Chandler Willis: Allstate Insurance

5370 Hwy 70 W f, Morehead City, NC 28557

(252) 726-1727

https://agents.allstate.com/chandler-willis-morehead-city-nc.html

Nationwide Insurance: Necaise Insurance & Financial Services Inc

207 N 35th St a, Morehead City, NC 28557

(252) 648-0006

http://www.necaiseinsurance.com/

The Insurance Center

600 Atlantic Beach Causeway, Atlantic Beach, NC 28512

(252) 222-0963

http://www.ticnc.com/

Dick Lewis - State Farm Insurance Agent

5317 Hwy 70 W, Morehead City, NC 28557

(252) 726-1061

https://www.statefarm.com/agent/US/NC/Morehead-City/Dick-Lewis-7983K1YS000

Comparing the Best Car Insurance Companies Nearby

North Carolina has a variety of auto insurance companies to choose from, and it can be difficult to decide which one will give you the best coverage for your needs. To help make that decision easier, we’ve compared some of the top Morehead City car insurance companies by their customer service ratings, financial stability, discounts offered, and coverage options. From here you can get an idea for what each company offers in terms of rates and benefits so that you can make an informed choice when selecting the right North Carolina auto insurer for you.

Geico vs Allstate

North Carolina is a great place to live, but it can be tough to navigate the auto insurance market. Two of the most popular companies offering car insurance in North Carolina are Geico and Allstate. Both provide reliable coverage for drivers in Morehead City, but there are some differences between them that should be taken into consideration when choosing an insurer.

Geico provides a wide range of coverage options and discounts for Morehead City drivers. They offer accident forgiveness, good driver discounts, anti-theft discounts, multi-car discounts, military discounts, and more. Their website also makes it easy to compare different plans so you can find the best fit for you.

Allstate offers Morehead City residents some unique coverage options. They have a teenSMART program that helps parents monitor their kids’ driving habits and rewards them for safe behavior. Allstate also offers accident forgiveness, multi-policy discounts, and other savings opportunities.

Nationwide vs Progressive

When it comes to Morehead City car insurance, Nationwide and Progressive are two of the most popular providers. Both companies offer competitive rates, robust coverage options and specialized discounts that can help North Carolinians save money on their premiums.

Nationwide offers Morehead City drivers a variety of auto insurance discounts, such as multi-car, safe driver, good student and more. In addition, they have a wide range of coverages for various needs. Their policies also come with access to 24/7 roadside assistance services in case you experience mechanical trouble or an accident while out on the road.

Progressive also has comprehensive Morehead City auto insurance offerings with tailored coverage plans to fit your budget. They provide a number of discount opportunities, including discounts for paying your policy in full or signing up for auto-pay. Their policies also come with access to a wide range of services and features such as accident forgiveness and rental car coverage.

Average Annual Premium Increase & Savings per Driving Infraction

Driving Infraction Type Average Annual Premium Potential Quote Savings
DUI$3584$1017
Reckless Driving$3498$977
Wrong Way/Wrong Lane$3468$951
Driving on Sus. License$3443$937
Illegal Turn$3230$893
Failure to Obey Traffic Sign$3150$887
Speeding over 15$3030$850
Defective Equipment$3031$812
Speeding under 15$2793$773

How Driving Infractions Increase Insurance Premiums

Driving infractions such as speeding, running a red light, or distracted driving can increase car insurance premiums in Morehead City North Carolina. Insurance companies view these types of violations as signs of riskier drivers and may raise rates accordingly. In North Carolina, having multiple traffic violations can be especially costly since North Carolina is one of the few states that allows insurers to consider an insured's entire driving record when determining rates. That means if you have racked up several tickets over time, your premium could be much higher than it otherwise would be. Since North Carolina also has a points system for traffic violations, more serious offenses will add up quickly. So if you are looking to save on car insurance, practice safe driving habits and obey all traffic laws. This will help you avoid costly insurance premiums and keep North Carolina roads safe.

Average Annual Vehicle Insurance by Credit Score

Credit Rating Average Rate
Average of All Credit Ratings $897
Below Fair $995
Poor $1016
Worst $1034

Does Credit Score Matter When Getting Cheaper Quotes?

Having a good credit score is essential when trying to get cheaper auto insurance quotes in Morehead City. North Carolina law requires that all insurance companies use credit-based insurance scoring when determining rates for customers. Insurance companies are using this information to determine whether an applicant has the financial responsibility and stability to pay their premiums in full and on time.

A low credit score can lead to much higher auto insurance premiums, making it difficult for drivers with bad credit to find affordable coverage. However, even if you have poor credit, there are still several ways you can reduce your rates in Morehead City. For example, shopping around for different insurance carriers, taking defensive driving courses, or bundling multiple policies together are all viable options for North Carolina drivers.

Before making a purchase or signing up for coverage, Morehead City residents should consider their credit score and other factors that can affect the cost of auto insurance. While having a good credit score certainly helps, there are still ways to get lower rates even if your credit is not in the best shape. By being proactive and doing research on your options, North Carolina drivers can find competitively priced policies that suit their individual needs.

Average Monthly Car Payment Plus Insurance in My Location

Average Monthly Auto Insurance Payment for Liability or Full Coverage in Morehead City North Carolina

Don't Forget The Total Monthly Cost of Your Vehicle

When purchasing a vehicle in Morehead City, it's important to consider the total monthly cost of your ride. This includes not just the loan payments, but also insurance premiums, fuel costs, maintenance expenses, and registration fees. Every month these various fees can add up so be sure you factor them into your budget when considering which vehicle to purchase. Don't forget to factor those extra costs into your budget! North Carolina has some great deals on vehicles that can fit any budget when you take into account all of the other related expenses. Make sure you keep this in mind when shopping for a car in North Carolina.

Compare vehicle costs and car insurance rates across various cities within your state, such as the following 1, 2, 3, 4, 5, 6, 7, 8, 9, 10 in order to gain a more comprehensive understanding of the average costs and potential savings. By doing so, you can identify any discrepancies between total costs and better evaluate your current vehicle purchase and insurance plan. This can also provide insight into factors that may affect total costs, such as local crime rates, population density, and frequency of natural disasters.

car insurance companies Morehead City NC

How to Save on Car Insurance in Your Zip Code

Do your research
Compare quotes from different places
Take advantage of policy bundles
Look at vehicle safety ratings
Participate in discount programs through driver training or safe driving rewards
Maintain a good credit rating

Full Coverage vs Liability Only Insurance in North Carolina

Morehead City drivers need to understand the difference between full coverage and liability only insurance. Full coverage includes comprehensive and collision coverage, as well as covers damages caused by uninsured motorist. This is typically the best option for North Carolina drivers because it provides them with protection in case of an accident, regardless of who is at fault. Liability only coverage on the other hand will only reimburse someone if they are found to be at-fault in an accident. While this may still provide North Carolina drivers with some level of protection, it does not cover damages caused by another driver or damage to their own vehicle. As such, North Carolina drivers should consider investing in full coverage insurance for increased financial security.

Additionally, North Carolina law requires that all drivers carry a minimum level of liability only insurance in order to be compliant with the law. Morehead City drivers should make sure to invest in a policy that meets these requirements, as failure to comply could result in fines and other penalties.

Ultimately, Morehead City drivers should carefully consider their options when choosing an auto insurance policy. While liability only coverage may be cheaper, full coverage can provide North Carolina drivers with greater financial security if they are ever involved in an accident or incident.  With many reputable companies offering full coverage policies at reasonable rates, North Carolina drivers have plenty of options when it comes to protecting themselves and their vehicles.  By understanding the differences between full coverage and liability only car insurance, North Carolina drivers can make an informed decision about which type of policy is best for them.

State Auto Insurance Minimums in North Carolina

If you are a Morehead City driver, it is important to understand the state’s minimum car insurance requirements for financial responsibility. North Carolina requires motorists to carry Bodily Injury and Property Damage Liability coverage in the amount of $30,000 per person/$60,000 per accident and $25,000 per accident respectively. Motorists must also meet North Carolina’s Uninsured/Underinsured Motorist Insurance requirement of $30,000/$60,000 bodily injury coverage. By meeting these minimum requirements, North Carolina drivers will remain compliant with state laws while protecting themselves financially. Optional coverages such as Comprehensive and Collision may be beneficial depending on the individual situation. Be sure to contact your Auto Insurance provider to discuss any questions you may have regarding North Carolina Auto Insurance Laws.

It is important to remember that North Carolina’s minimum car insurance requirements are only the beginning of a solid auto insurance policy. Depending on your individual needs, it may be beneficial to purchase additional coverage options such as Comprehensive, Collision, and Underinsured/Uninsured Motorist coverages. Be sure to discuss these options with your insurance provider in order to select the right policy for your situation. It is also important to review and compare rates from various providers in order to ensure you are getting the best rate possible for coverage that meets your needs. Morehead City offers its motorists several different ways to satisfy their financial responsibility requirements in order to remain compliant with state laws while protecting themselves financially.

By following North Carolina’s Auto Insurance requirements, you will remain compliant with state laws while obtaining the coverage that is right for your individual situation. Be sure to contact your insurance provider to discuss any questions you may have regarding North Carolina Auto Insurance Laws. With a little research and comparison shopping, Morehead City drivers can find an affordable policy to meet their needs without sacrificing quality or protection.

Getting Auto Insurance Coverage for Teenagers

North Carolina state law requires that all drivers, regardless of age, have auto insurance in order to legally operate a vehicle on North Carolina roads. While Morehead City does not require any additional coverages for teenage drivers beyond what is required for other drivers, North Carolina teen drivers should consider purchasing some additional coverage for extra protection.

Teenagers may want to add collision and comprehensive coverage to their policy, which can help protect them financially if they are involved in an accident or their car is stolen or vandalized. Liability coverage is also important; this type of coverage helps pay for legal fees and damages if your teen causes an accident. Morehead City teens should also consider adding uninsured motorist (UM) coverage to their policy; this type of coverage can help pay for medical and repair bills if the driver at fault does not have insurance.

Finally, Morehead City teen drivers may also want to look into discounts that could lower their overall cost of auto insurance. Some insurance companies offer good student discounts or safe driving discounts, so be sure to ask your insurer about these options. North Carolina teens should also remember to shop around to make sure they are getting the best rate possible on their auto insurance policy.

Car Insurance for Seniors

Morehead City Seniors in North Carolina have many options to choose from when it comes to car insurance. North Carolina requires that all drivers purchase liability coverage, which covers any damage you may cause while operating a vehicle. North Carolina also offers optional coverages such as comprehensive and collision, which can help protect your vehicle in the event of an accident or other covered peril.

It is important for Morehead City seniors to shop around and compare different companies to make sure they are getting the best rate possible on their car insurance policy. Many North Carolina insurers offer special discounts for seniors, including multi-car discounts, pay-in-full discounts and mature driver safety courses. Additionally, some North Carolina insurers offer loyalty programs specifically designed for senior citizens who have been with the same company for many years.

Seniors should also consider taking defensive driving courses to refresh their skills and potentially qualify for additional discounts. Morehead City insurers may offer a rate reduction if you take and successfully complete an approved safety course, which can help reduce your monthly premiums. Additionally, North Carolina law allows those over 65 who successfully pass an approved driver safety course to have their vehicle registration renewed at no cost every two years.

Do I Need SR-22 Insurance in North Carolina

The North Carolina Department of Motor Vehicles (NCDMV) requires all drivers that have been convicted of certain traffic violations to carry an SR-22 insurance policy.  Generally, if you've committed any of the following offenses in Morehead City North Carolina, you may need to obtain an SR-22:

  • Driving without liability insurance
  • Driving while intoxicated or impaired (DWI/DUI)
  • Being involved in an at-fault accident where you were uninsured
  • Accumulation of too many points on your driving record due to moving violations
  • Having your North Carolina driver’s license suspended or revoked for any reason.

If North Carolina requires that you file an SR-22 form, the DMV will notify you by mail. You'll need to file an SR-22 form with the North Carolina Department of Motor Vehicles for a specified amount of time before your license will be reinstated. Depending on the severity of your offense, that period can range from three months to five years. During this time, you must maintain your Morehead City North Carolina auto insurance policy with continuous coverage at all times in order to keep your driver’s license valid and avoid any legal penalties.

car insurance companies Morehead City NC

Shopping for Car Insurance Places Near Me

It's never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Morehead City, North Carolina. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6, 7, 8, 9.


Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.


Once you've done the research, comparison shopped the rates you found, and figured out your discounts, you're now ready to buy the best and cheapest car insurance in Morehead City, NC.

Is Bundling Auto and Homeowners Insurance Really Worth it?

Bundling auto and homeowners insurance in Morehead City promises potential savings and convenience by combining both coverages under a single policy. The advantages of bundling include potential cost reductions and streamlined management. Morehead City insurance companies often offer discounts to policyholders who bundle their auto and homeowners insurance, resulting in noticeable savings. This consolidated approach simplifies paperwork, provides a single point of contact for inquiries and claims, and streamlines payments. However, it's crucial to evaluate the coverage and terms of the bundled policy to ensure they align with your specific needs. Bundling may limit your flexibility to choose different providers and access specialized coverage options.

While bundling auto and homeowners insurance offers cost savings and convenience, it's important to consider individual circumstances and insurance requirements. Factors such as location, asset value, driving record, and home characteristics can influence the cost and coverage of the policies. For example, check out the different rates of each of these locations numbered 1, 2, 3, 4, 5, 6, 7, 8, 9, and 10. Assessing potential benefits against specific needs will determine whether bundling is truly worth the savings. Comparing quotes, reviewing policy details, and considering alternatives are essential steps to ensure you have the right coverage in Morehead City at the best price. Ultimately, making an informed decision will lead to a suitable insurance solution.

The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.


Andrew Brown

Andrew Brown - Chief Editor

Meet our car insurance expert, Andrew Brown. With over 20 years of experience in the insurance industry, Andrew has become an authority in the world of car insurance. Throughout his career, he has helped countless individuals and families find the right coverage for their unique needs and budget. With his in-depth knowledge of the industry, Andrew is dedicated to providing helpful tips, advice, and insights to empower drivers to make informed decisions about their car insurance.