Candace Baker, Car Insurance Writer
@candacebaker
To get temporary car insurance in North Carolina, you will have to purchase a six month policy and cancel mid-policy when you no longer need coverage. You may have to pay a cancellation fee, depending on your insurer, but you can usually get a refund for any unused coverage time you've prepaid for.
The most affordable temporary car insurance coverage in North Carolina is from Nationwide, which charges an average of $27 per month for state-minimum coverage. Meanwhile, the average car insurance company in North Carolina charges $43 per month.
Temporary Car Insurance Rates in North Carolina by Company
Company | Average Rate |
| Nationwide | $27 per month |
$27 per month | |
$30 per month | |
$32 per month | |
$39 per month |
Note: Rates are an approximation based on a 45-year-old driver in North Carolina with minimum coverage. Actual rates will vary.
Alternatives to Temporary Car Insurance in North Carolina
One alternative to temporary car insurance in North Carolina is a non-owner policy, which is available to drivers who do not own or have regular access to a vehicle. Non-owner car insurance is cheaper than standard auto insurance, since it does not apply to a specific vehicle, and it is a good option if you plan to rent or borrow vehicles frequently.
Another alternative to temporary car insurance is pay-per-mile insurance. Pay-per-mile insurance refers to policies that base your insurance rates on how many miles you drive per month. Pay-per-mile insurance is a great option for people who want to maintain continuous coverage but do not drive very often.
To learn more, check out WalletHub's guide to temporary car insurance, as well as our picks for the best car insurance in North Carolina.
People also ask
How long is North Carolina's new car insurance grace period?
The North Carolina new-car insurance grace period is 7 to 30 days in most cases. The new-car grace period is how long insured drivers are allowed to drive a newly purchased vehicle before adding it to an existing car insurance policy. If you don’t have a current policy, you’ll need proof of uninsured/underinsured motorist and liability coverage before you can legally drive or register your car in North Carolina.
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No, you do not need car insurance to borrow a car if the owner is insured, they have given you permission to drive the vehicle, and their policy allows it. Car insurance follows the car, not the driver, so expenses from an accident will generally be covered by the vehicle owner’s insurance policy. This is often referred to as permissive use.
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read full answer by WalletHub, Financial CompanyWhat is the penalty for driving without insurance in North Carolina?
If you are caught driving without insurance in North Carolina, you may face fines and suspension of your license and registration after the first offense. Penalties for repeat offenses include jail time.
Penalties for Driving Without Insurance in North Carolina
| Type of Offense | License Suspended? | Registration Suspended? | Maximum Fines & Fees |
| First Offense | ... | Yes | $50 civil penalty fee; $50 reinstatement fee |
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