Is car insurance cheaper in FL or NC?

North Carolina car insurance — average rates. Expect to pay less for car insurance in North Carolina than you did in Florida. The typical annual car insurance rate in North Carolina is $901 less expensive than in Florida. The precise cost will depend on your coverage, driving history, and your auto insurance company.

Is it cheaper to insure a car in Florida?

For comparison, the average annual cost of car insurance in Florida is $1,101 for minimum coverage and $2,364 for full coverage. Although Florida’s average premiums are relatively high — it is one of the most expensive states for car insurance in the nation — there are ways to find more affordable rates.

Is Florida car insurance higher?

The average cost of car insurance in Florida is $2,208 per year, making it the fourth-highest compared to other states. … If you live in this state, you have to be proactive in comparing car insurance quotes because Florida auto insurance rates are so expensive.

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Is car insurance cheaper in North Carolina?

Car insurance in North Carolina is much cheaper on average than most states. The average cost of minimum coverage in the state is $413 per year, while full coverage costs an average of $1,325 annually.

Is car insurance higher in North Carolina?

Car insurance in North Carolina is less expensive than the national average, which is around $1,500 annually for full coverage and about $600 per year for minimum coverage. … All insured drivers share the increasing cost of insurance.

What city in Florida has the cheapest car insurance?

Cheap Car Insurance in Florida by City

In Florida, the cities with the cheapest full coverage premiums are Santa Rosa Beach, Freeport, and Defuniak Springs.

Is Florida a no-fault state?

That $10,000 minimum hasn’t changed since Florida became a “no-fault” state in the 1970s, however. And while many states are also considered “no-fault,” those states have also required motorists to carry bodily injury coverage. Florida is one of just two states that doesn’t require bodily injury coverage.

How much car insurance do I need Florida?

According to Florida law, if you own a motor vehicle with four or more wheels you must carry $10,000 of personal injury protection (PIP) insurance and a minimum of $10,000 of property damage liability insurance. You may have a deductible of up to $1,000 for PIP coverage and $500 for property damage liability.

Why is Florida home insurance so expensive?

Why is Florida home insurance so expensive? Florida homes face some extra risks you won’t find in every state, including storms, hurricanes and flooding. Insurance companies base their rates on risk, which is why home insurance premiums are higher in states with higher risks of property damage.

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How much is car insurance a month in Florida?

The average cost of car insurance in Florida is $2,072 per year, or $173 per month, for minimum liability. The cheapest minimum-coverage car insurance in Florida comes from Geico.

Why is car insurance so cheap in NC?

Find Cheap Auto Insurance Quotes in North Carolina

Minimum coverage is less expensive than full coverage because it doesn’t include comprehensive and collision coverage. It’s also cheap because of its low liability coverage limits, which means you risk not having enough protection after an accident.

How much is car insurance a month in NC?

How much is car insurance in North Carolina per month? North Carolina drivers pay an average of $1,325 per year, or about $110 per month, for full coverage. For minimum coverage, the average annual cost is $413, which makes the average monthly premium about $34.

How much does NC car inspection cost?

North Carolina state vehicle inspection fees are $13.60. Emissions inspection fees, which include vehicle inspections, cost $30.00. Your vehicle must pass inspection before its registration can be renewed. You must have your vehicle inspected no more than 90 days before your plate expires.

How much is liability car insurance in NC?


Coverage Level Average Yearly Rate
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision $798
State Minimum — Liability Only $351
State Minimum — $1,000 Comprehensive/Collision $697
State Minimum — $500 Comprehensive/Collision $755

Is car insurance more expensive on newer cars?

How much does new car insurance cost? Newer cars are generally more expensive to insure than old ones, particularly if you carry comprehensive and collision insurance, as they are worth more and are therefore more expensive to replace.

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How much is car insurance in NC for a 20 year old?

Conversely, North Carolina has the cheapest auto insurer for young drivers. The average rate for our 20-year-old was $2,035 per year, and it was the only state with a rate below $3,000.

The best car insurance company for 20-year-olds in each state.

State Average annual premium for a 20-year-old
Average $5,517