{"id":351,"date":"2017-05-24T15:47:37","date_gmt":"2017-05-24T19:47:37","guid":{"rendered":"https:\/\/www.protectiveagency.com\/blog\/?p=351"},"modified":"2024-02-26T12:36:40","modified_gmt":"2024-02-26T16:36:40","slug":"north-carolina-lowest-auto-insurance-rates","status":"publish","type":"post","link":"https:\/\/www.protectiveagency.com\/blog\/north-carolina-lowest-auto-insurance-rates\/","title":{"rendered":"Why North Carolina Has the Lowest Auto Insurance Rates?"},"content":{"rendered":"<p class=\"p1\"><span class=\"s1\">The great state of North Carolina has many things going for it. From big cities to stunning beaches to great basketball \u2013 there&#8217;s a lot to love here. Let&#8217;s add cheap auto insurance to that list.<\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">On average, <a href=\"https:\/\/www.protectiveagency.com\/services\/auto-insurance-north-carolina\/\">North Carolina has the lowest auto insurance rates<\/a> in the United States. A study done by InsuranceQuote.com found that residents of North Carolina spent 41% less on auto insurance per year than the national average.<\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">That&#8217;s a pretty steep discount. We&#8217;re talking hundreds of dollars every year that each resident of our great state saves. An extra $400-500 each year is enough for a relaxed weekend trip to Topsail Island or a big night out watching the NCAA Tournament.<\/span><\/p>\n<p class=\"p3\"><span class=\"s1\"><b>So Why is Auto Insurance So Cheap in North Carolina?<\/b><\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">Well, there is no exact reason why. However, there are a few variables that play a role.<\/span><\/p>\n<p class=\"p5\"><span class=\"s1\"><i>Here are three reasons why car insurance can be pretty cheap in North Carolina:<\/i><\/span><\/p>\n<ul>\n<li class=\"li1\"><span class=\"s1\"><b>Rural Living<\/b><\/span><\/li>\n<\/ul>\n<p class=\"p1\"><span class=\"s1\">North Carolina is a rural state. Make no mistake about it. While the beach areas can be developed and Charlotte certainly isn&#8217;t country, the majority of our state is considered rural. <\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">In rural areas, life is always cheaper, there&#8217;s less crime in the country and there are fewer people in general. Fewer people always equals fewer chances of accidents..<\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">With fewer accidents, people pay less for insurance because the Insurance company\u2019s data claims their risk is lower than a city driver. Due to the largely rural population of North Carolina, many individuals in the state get cheap auto insurance.<\/span><\/p>\n<ul>\n<li class=\"li1\"><span class=\"s1\"><b>Capped Insurance Rates<\/b><\/span><\/li>\n<\/ul>\n<p class=\"p1\"><span class=\"s1\">The insurance commissioner of North Carolina Wayne Goodwin does a good job keeping rates low for the working people in the state. While some states don&#8217;t set caps, Goodwin enforces a strict cap on auto insurance.<\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">Goodwin&#8217;s cap not only keeps rates low for residents, but many North Carolina insurance companies compete to offer auto insurance rates below the cap. That&#8217;s a win-win for penny pinchers.<\/span><\/p>\n<ul>\n<li class=\"li1\"><span class=\"s1\"><b>Discounts Galore<\/b><\/span><\/li>\n<\/ul>\n<p class=\"p1\"><span class=\"s1\">Due to the gap in place by Goodwin, North Carolina sees more competition among providers than nearly any other state. The auto insurance companies in North Carolina offer over 2,000 different discounts.<\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">These discounts are in place to lure in customers. However, insurance researchers have stated that the number of discounts offered is extrmely high compared to most others. <\/span><\/p>\n<p class=\"p7\"><span class=\"s1\"><b><i>Cheap Auto Insurance in North Carolina<\/i><\/b><\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">We know a few of the reasons why auto insurance is cheaper in North Carolina. It&#8217;s time to take advantage of those savings. The easiest way to get a great deal is to shop around but you\u2019ll find prices very competitive.<\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">Get in touch with your insurance agent, speak with a number of other providers and get a variety of quotes to find some good coverage for your needs. Getting cheap auto insurance in North Carolina isn&#8217;t difficult, but it takes some effort to find a good deal.<\/span><\/p>\n<p>Let&#8217;s talk about it further. Please contact our team at ProtectiveAgency.com or call (877) 739-9367. Our licensed insurance agents will be happy to answer any questions you have.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The great state of North Carolina has many things going for it. From big cities to stunning beaches to great basketball \u2013 there&#8217;s a lot to love here. Let&#8217;s add cheap auto insurance to that list. On average, North Carolina has the lowest auto insurance rates in the United States. A study done by InsuranceQuote.com [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":352,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3],"tags":[],"class_list":["post-351","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Why North Carolina Has the Lowest Auto Insurance Rates? | Protective Agency<\/title>\n<meta name=\"description\" content=\"Living in North Carolina gives you the privilege of paying the lowest auto insurance rates in the country. Continue reading our blog to understand why\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.protectiveagency.com\/blog\/north-carolina-lowest-auto-insurance-rates\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why North Carolina Has the Lowest Auto Insurance Rates? | Protective Agency\" \/>\n<meta property=\"og:description\" content=\"Living in North Carolina gives you the privilege of paying the lowest auto insurance rates in the country. Continue reading our blog to understand why\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.protectiveagency.com\/blog\/north-carolina-lowest-auto-insurance-rates\/\" \/>\n<meta property=\"og:site_name\" content=\"Protective Agency\" \/>\n<meta property=\"article:published_time\" content=\"2017-05-24T19:47:37+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-02-26T16:36:40+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.protectiveagency.com\/blog\/wp-content\/uploads\/2017\/05\/Why-North-Carolina-Has-the-Lowest-Auto-Insurance-Rates-.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"667\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"protective\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"protective\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.protectiveagency.com\\\/blog\\\/north-carolina-lowest-auto-insurance-rates\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.protectiveagency.com\\\/blog\\\/north-carolina-lowest-auto-insurance-rates\\\/\"},\"author\":{\"name\":\"protective\",\"@id\":\"https:\\\/\\\/www.protectiveagency.com\\\/blog\\\/#\\\/schema\\\/person\\\/9f53257d169e59e15e7f2a142eda6341\"},\"headline\":\"Why North Carolina Has the Lowest Auto Insurance Rates?\",\"datePublished\":\"2017-05-24T19:47:37+00:00\",\"dateModified\":\"2024-02-26T16:36:40+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.protectiveagency.com\\\/blog\\\/north-carolina-lowest-auto-insurance-rates\\\/\"},\"wordCount\":532,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/www.protectiveagency.com\\\/blog\\\/north-carolina-lowest-auto-insurance-rates\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.protectiveagency.com\\\/blog\\\/wp-content\\\/uploads\\\/2017\\\/05\\\/Why-North-Carolina-Has-the-Lowest-Auto-Insurance-Rates-.jpg\",\"articleSection\":[\"Auto Insurance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.protectiveagency.com\\\/blog\\\/north-carolina-lowest-auto-insurance-rates\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.protectiveagency.com\\\/blog\\\/north-carolina-lowest-auto-insurance-rates\\\/\",\"url\":\"https:\\\/\\\/www.protectiveagency.com\\\/blog\\\/north-carolina-lowest-auto-insurance-rates\\\/\",\"name\":\"Why North Carolina Has the Lowest Auto Insurance Rates? | Protective Agency\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.protectiveagency.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.protectiveagency.com\\\/blog\\\/north-carolina-lowest-auto-insurance-rates\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.protectiveagency.com\\\/blog\\\/north-carolina-lowest-auto-insurance-rates\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.protectiveagency.com\\\/blog\\\/wp-content\\\/uploads\\\/2017\\\/05\\\/Why-North-Carolina-Has-the-Lowest-Auto-Insurance-Rates-.jpg\",\"datePublished\":\"2017-05-24T19:47:37+00:00\",\"dateModified\":\"2024-02-26T16:36:40+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.protectiveagency.com\\\/blog\\\/#\\\/schema\\\/person\\\/9f53257d169e59e15e7f2a142eda6341\"},\"description\":\"Living in North Carolina gives you the privilege of paying the lowest auto insurance rates in the country. Continue reading our blog to understand why\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.protectiveagency.com\\\/blog\\\/north-carolina-lowest-auto-insurance-rates\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.protectiveagency.com\\\/blog\\\/north-carolina-lowest-auto-insurance-rates\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.protectiveagency.com\\\/blog\\\/north-carolina-lowest-auto-insurance-rates\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.protectiveagency.com\\\/blog\\\/wp-content\\\/uploads\\\/2017\\\/05\\\/Why-North-Carolina-Has-the-Lowest-Auto-Insurance-Rates-.jpg\",\"contentUrl\":\"https:\\\/\\\/www.protectiveagency.com\\\/blog\\\/wp-content\\\/uploads\\\/2017\\\/05\\\/Why-North-Carolina-Has-the-Lowest-Auto-Insurance-Rates-.jpg\",\"width\":1000,\"height\":667,\"caption\":\"Raleigh Nighttime Skyline\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.protectiveagency.com\\\/blog\\\/north-carolina-lowest-auto-insurance-rates\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.protectiveagency.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Why North Carolina Has the Lowest Auto Insurance Rates?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.protectiveagency.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.protectiveagency.com\\\/blog\\\/\",\"name\":\"Protective Agency\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.protectiveagency.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.protectiveagency.com\\\/blog\\\/#\\\/schema\\\/person\\\/9f53257d169e59e15e7f2a142eda6341\",\"name\":\"protective\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/3985c39fc730d5417ef54e2bc675b81edbf72c9869bfc3edb190925fd0f5d2d3?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/3985c39fc730d5417ef54e2bc675b81edbf72c9869bfc3edb190925fd0f5d2d3?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/3985c39fc730d5417ef54e2bc675b81edbf72c9869bfc3edb190925fd0f5d2d3?s=96&d=mm&r=g\",\"caption\":\"protective\"},\"url\":\"https:\\\/\\\/www.protectiveagency.com\\\/blog\\\/author\\\/protective\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Why North Carolina Has the Lowest Auto Insurance Rates? | Protective Agency","description":"Living in North Carolina gives you the privilege of paying the lowest auto insurance rates in the country. Continue reading our blog to understand why","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.protectiveagency.com\/blog\/north-carolina-lowest-auto-insurance-rates\/","og_locale":"en_US","og_type":"article","og_title":"Why North Carolina Has the Lowest Auto Insurance Rates? | Protective Agency","og_description":"Living in North Carolina gives you the privilege of paying the lowest auto insurance rates in the country. Continue reading our blog to understand why","og_url":"https:\/\/www.protectiveagency.com\/blog\/north-carolina-lowest-auto-insurance-rates\/","og_site_name":"Protective Agency","article_published_time":"2017-05-24T19:47:37+00:00","article_modified_time":"2024-02-26T16:36:40+00:00","og_image":[{"width":1000,"height":667,"url":"https:\/\/www.protectiveagency.com\/blog\/wp-content\/uploads\/2017\/05\/Why-North-Carolina-Has-the-Lowest-Auto-Insurance-Rates-.jpg","type":"image\/jpeg"}],"author":"protective","twitter_card":"summary_large_image","twitter_misc":{"Written by":"protective","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.protectiveagency.com\/blog\/north-carolina-lowest-auto-insurance-rates\/#article","isPartOf":{"@id":"https:\/\/www.protectiveagency.com\/blog\/north-carolina-lowest-auto-insurance-rates\/"},"author":{"name":"protective","@id":"https:\/\/www.protectiveagency.com\/blog\/#\/schema\/person\/9f53257d169e59e15e7f2a142eda6341"},"headline":"Why North Carolina Has the Lowest Auto Insurance Rates?","datePublished":"2017-05-24T19:47:37+00:00","dateModified":"2024-02-26T16:36:40+00:00","mainEntityOfPage":{"@id":"https:\/\/www.protectiveagency.com\/blog\/north-carolina-lowest-auto-insurance-rates\/"},"wordCount":532,"commentCount":0,"image":{"@id":"https:\/\/www.protectiveagency.com\/blog\/north-carolina-lowest-auto-insurance-rates\/#primaryimage"},"thumbnailUrl":"https:\/\/www.protectiveagency.com\/blog\/wp-content\/uploads\/2017\/05\/Why-North-Carolina-Has-the-Lowest-Auto-Insurance-Rates-.jpg","articleSection":["Auto Insurance"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.protectiveagency.com\/blog\/north-carolina-lowest-auto-insurance-rates\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.protectiveagency.com\/blog\/north-carolina-lowest-auto-insurance-rates\/","url":"https:\/\/www.protectiveagency.com\/blog\/north-carolina-lowest-auto-insurance-rates\/","name":"Why North Carolina Has the Lowest Auto Insurance Rates? | Protective Agency","isPartOf":{"@id":"https:\/\/www.protectiveagency.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.protectiveagency.com\/blog\/north-carolina-lowest-auto-insurance-rates\/#primaryimage"},"image":{"@id":"https:\/\/www.protectiveagency.com\/blog\/north-carolina-lowest-auto-insurance-rates\/#primaryimage"},"thumbnailUrl":"https:\/\/www.protectiveagency.com\/blog\/wp-content\/uploads\/2017\/05\/Why-North-Carolina-Has-the-Lowest-Auto-Insurance-Rates-.jpg","datePublished":"2017-05-24T19:47:37+00:00","dateModified":"2024-02-26T16:36:40+00:00","author":{"@id":"https:\/\/www.protectiveagency.com\/blog\/#\/schema\/person\/9f53257d169e59e15e7f2a142eda6341"},"description":"Living in North Carolina gives you the privilege of paying the lowest auto insurance rates in the country. Continue reading our blog to understand why","breadcrumb":{"@id":"https:\/\/www.protectiveagency.com\/blog\/north-carolina-lowest-auto-insurance-rates\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.protectiveagency.com\/blog\/north-carolina-lowest-auto-insurance-rates\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.protectiveagency.com\/blog\/north-carolina-lowest-auto-insurance-rates\/#primaryimage","url":"https:\/\/www.protectiveagency.com\/blog\/wp-content\/uploads\/2017\/05\/Why-North-Carolina-Has-the-Lowest-Auto-Insurance-Rates-.jpg","contentUrl":"https:\/\/www.protectiveagency.com\/blog\/wp-content\/uploads\/2017\/05\/Why-North-Carolina-Has-the-Lowest-Auto-Insurance-Rates-.jpg","width":1000,"height":667,"caption":"Raleigh Nighttime Skyline"},{"@type":"BreadcrumbList","@id":"https:\/\/www.protectiveagency.com\/blog\/north-carolina-lowest-auto-insurance-rates\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.protectiveagency.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Why North Carolina Has the Lowest Auto Insurance Rates?"}]},{"@type":"WebSite","@id":"https:\/\/www.protectiveagency.com\/blog\/#website","url":"https:\/\/www.protectiveagency.com\/blog\/","name":"Protective Agency","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.protectiveagency.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.protectiveagency.com\/blog\/#\/schema\/person\/9f53257d169e59e15e7f2a142eda6341","name":"protective","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/3985c39fc730d5417ef54e2bc675b81edbf72c9869bfc3edb190925fd0f5d2d3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/3985c39fc730d5417ef54e2bc675b81edbf72c9869bfc3edb190925fd0f5d2d3?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/3985c39fc730d5417ef54e2bc675b81edbf72c9869bfc3edb190925fd0f5d2d3?s=96&d=mm&r=g","caption":"protective"},"url":"https:\/\/www.protectiveagency.com\/blog\/author\/protective\/"}]}},"_links":{"self":[{"href":"https:\/\/www.protectiveagency.com\/blog\/wp-json\/wp\/v2\/posts\/351","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.protectiveagency.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.protectiveagency.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.protectiveagency.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.protectiveagency.com\/blog\/wp-json\/wp\/v2\/comments?post=351"}],"version-history":[{"count":5,"href":"https:\/\/www.protectiveagency.com\/blog\/wp-json\/wp\/v2\/posts\/351\/revisions"}],"predecessor-version":[{"id":1624,"href":"https:\/\/www.protectiveagency.com\/blog\/wp-json\/wp\/v2\/posts\/351\/revisions\/1624"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.protectiveagency.com\/blog\/wp-json\/wp\/v2\/media\/352"}],"wp:attachment":[{"href":"https:\/\/www.protectiveagency.com\/blog\/wp-json\/wp\/v2\/media?parent=351"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.protectiveagency.com\/blog\/wp-json\/wp\/v2\/categories?post=351"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.protectiveagency.com\/blog\/wp-json\/wp\/v2\/tags?post=351"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}