You cannot get pay-per-mile insurance in North Carolina, since no car insurance companies currently offer pay-per-mile coverage in the state. Pay-per-mile insurance is a type of car insurance policy that charges drivers a daily or monthly base rate plus a few cents for each mile driven, but it’s not available everywhere.
There are other ways for infrequent drivers in North Carolina to save, though. For instance, North Carolina drivers can ask their insurer about low-mileage discounts. Similarly, many companies offer usage-based insurance, which tracks policyholders’ driving habits and gives them a discount for safe driving. However, only some companies factor in mileage.
Even though pay-per-mile insurance isn’t available in North Carolina right now, pay-per-mile programs like Allstate Milewise, Nationwide SmartMiles, and Liberty Mutual ByMile have been expanding over the past few years. So it’s worth checking back in the future to see if any pay-per-mile insurance options have become available in North Carolina.
Yes, Metromile offers full coverage insurance for customers who choose to buy it. Metromile sells all the components of full coverage, including liability, collision, and comprehensive coverage, plus any type of insurance that a state might require, such as uninsured motorist insurance or personal injury protection.
Current and potential Metromile customers can call the company at 1-888-242-5204 to ask about the coverage that is available in their state. For more information, check out WalletHub’s Metromile car insurance review.
In North Carolina, drivers need $30,000 of bodily injury liability insurance per person, up to $60,000 per accident, and $25,000 of property damage liability insurance. North Carolina requires uninsured motorist protection, which replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits. Coverage like MedPay or personal injury protection pays for medical expenses for you and your passengers, and MedPay is optional in North Carolina. PIP is not available.… read full answer
Here’s How Much Car Insurance Drivers Need in North Carolina:
If you lease or finance your car, you may be required to carry coverage types that are not mandatory under North Carolina law. Lenders usually require comprehensive and collision insurance. Collision insurance covers repairs to your car when you hit another car or object. If the damage to your vehicle was caused by something other than a collision—like a natural disaster, vandalism, falling objects, or animals—it is most likely covered by comprehensive insurance. You might also have to get gap insurance, which covers the difference between what you owe on your loan and what the vehicle is worth at the time of a total loss.
Even if you’re not required to carry these optional coverage types, you may still need them. You can learn more about when to drop optional coverage and the penalties for driving without insurance in North Carolina to make sure you’re paying for the coverage you need.
Car insurance in North Carolina costs $40 monthly ($477 per year) for minimum coverage, on average, and around $114 per month ($1,366 annually) for a full-coverage policy. The cheapest insurance companies in North Carolina are Geico, Erie, and North Carolina Farm Bureau, but insurers calculate premiums differently, so it’s a good idea to get quotes from more companies to find the best deal.… read full answer
Average Cost of Car Insurance in North Carolina by Category
Clean driving record: $39 per month
After an at-fault accident: $63 per month
Driver with poor credit: $51 per month
Teen driver: $93 per month
After a DUI: $155 per month
The average cost of car insurance in North Carolina is 34% lower than the national average auto insurance premium, and North Carolina ranks 13 out of 50 for the most affordable car insurance rates in the U.S.. There are several factors that affect how much you’ll pay for car insurance in North Carolina, including your driving record, age, location, the amount of coverage that you purchase, and the insurance company you buy it from.
Finally, it’s worth noting that car insurance premiums in North Carolina are low, compared to the cost of coverage in neighboring states like South Carolina and Georgia. You can find more details in the table below.
Cost of Car Insurance in North Carolina vs. Neighboring States
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