Who Has Cheap Car Insurance for Teenagers in North Carolina?

The safety and performance level of the vehicle you are buying coverage for is a significant factor when shopping for low-cost auto insurance for teenagers. Vehicles with higher performance characteristics, poor safety ratings, or a track record of large liability claims will cost substantially more to insure than safer models. The next lists outlines car insurance prices for a number of the cheapest vehicles to buy coverage for.

Table data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in garaging location in North Carolina which can revise insurance rates noticeably.

Above prices assume single female driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in specific location information which can change coverage rates greatly.

Prices based on single female driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in specific garaging location which can modify premiums significantly.

Finding low-cost auto insurance is tough enough, and figuring out which company quotes the cheapest insurance rates for teenagers will require even more shopping around. Prices will most likely be significantly higher than the average policy in North Carolina because of the potential for higher claims associated with offering coverage for teen drivers, but competitive coverage may be possible if you compare enough companies. Every insurance provider has a different formula for establishing rates, so first let’s look at the rankings for the lowest cost insurance companies in North Carolina.

It’s a good idea to be aware that North Carolina insurance rates are based on many factors that control the price of your policy. Events such as a birthday, buying a home, or getting a ticket for careless driving may prompt premium changes that may make certain companies more expensive than before.

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Utica National generally has some of the cheapest car insurance rates in North Carolina at around $636 per year. Progressive, Liberty Mutual, GEICO, and NC Farm Bureau would also make the list of some of the cheaper North Carolina auto insurance companies.

As the rates illustrate above, if you buy coverage from Progressive and switched to Utica National, you may realize annual savings of upwards of $3. Policyholders with Liberty Mutual may save as much as $64 a year, and GEICO customers might lower prices by $92 a year.

These premium estimates are averages across all types of insureds and vehicles and and are not calculated with a rate surcharge for teenagers. So the company that fits you best may not even be in the list of companies shown earlier. That’s why you need to compare prices as often as possible using your own specific driver and vehicle information.

Finding a good quality insurance company is hard considering how many different companies sell coverage in North Carolina. The information listed below may help you analyze which coverage providers to look at comparing rates from.

These ratings only include major nationwide insurance companies, so smaller companies will not be included in the list. If you’d like to compare prices from these top-rated insurers and more, simply click here.

Top 10 Large Auto Insurers in North Carolina Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Nationwide – 89%
5. Travelers – 88%
6. Progressive – 88%
7. Safeco Insurance – 88%
8. State Farm – 88%
9. Allstate – 88%
10. The Hartford – 87%

Geico, State Farm, Progressive, or Allstate: Who is cheapest?

When shopping for car insurance for teen drivers in North Carolina, the companies with the most market share are Geico, State Farm, Progressive, and Allstate. When added together, they make up over 45% of the entire U.S. car insurance market. All of them offer liability and physical damage protection, but each on has unique features and discounts that shoppers can select from. The next table shows some of the different features that policyholders can buy.

Find cheap car insurance for teenagers in North Carolina

Below you’ll find some money-saving ideas that can help you buy lower-cost car insurance.

• Buy vehicles with good safety ratings
• Increase your credit score
• Full coverage may not be needed on older vehicles
• Home or renters coverage can save on auto insurance
• Staying accident-free helps keep rates low
• Compare prices frequently to find the best deal

That last piece of advice is extraordinarily vital, as was noted in this article. Coverage prices can be changed at any time, so don’t be tentative to buy a different policy if a lower-cost policy is available.

Staying with the same company for years is fine, but it isn’t a good idea if your bullheadedness ends up costing you hundreds every year. Take a couple minutes and compare prices and find cheaper auto insurance for teenagers.