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Why is car insurance so expensive in North Carolina?
I've moved from Pennsylvania to North Carolina. When I changed my address with Nationwide, my rates shot up. Should I change my coverage levels to save money? Why is it so much more expensive than what I'm paying now?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“
Car insurance
carriers look at many different factors when rating policies. Where you live is one of them. This is part of the reason why changing your address has caused your premium to increase.Furthermore, all states regulate their own insurance and insurance companies. North Carolina has higher
minimum car insurance requirements
than Pennsylvania, which is likely another reason why you’re paying more for coverage. Adjusting your coverage levels is one way to save money, especially if you have an older car that may not require collision and comprehensive coverage. If you have an emergency fund or savings set up, you could also raise your deductibles to save money.
You can also shop around. There could be a different carrier in your new state that can provide you with appropriate coverage and a more affordable rate.
“
View full answer
- Gregory R.
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