We have compiled all the car insurance requirements on a state-by-state basis so you can see at a glance what the minimum coverage is―and what other regulations you may need to comply with in your home state. This information can be especially useful when you are new to a state, or if you are a newly licensed driver. Choose your state below for car insurance requirements in your neck of the woods.
We don't pretend to be cutting-edge; we actually provide fast, simple ways for you to personalize an auto policy with our own CoverageMyWay®, which helps you make smart choices with protection. And, of course, we don't make vague promises about affordable North Carolina auto insurance; we bring an array of discounts tastier than a hickory-smoked hog. Grab a North Carolina car insurance quote and find out what it's like to have coverage that doesn't just seem like the real deal — but actually is.

There are plenty of good reasons to have up-to-date car insurance for your vehicles, whether you have a new driver in your family or you have recently purchased a new car to take on the road. What is most important about looking at car insurance quotes in many cases is knowing that you won’t have to deal with hidden fees, understanding what your coverage actually includes, and knowing whether you’ll have an honest and reliable resource should you ever need to file a claim.
At Freeway Insurance, cheap car insurance doesn’t mean you have to sacrifice quality coverage in order to get a lower rate. We work with top insurance companies to get you the best coverage at the lowest price based on your specific needs. We’ve been helping customers save money on auto insurance for over 30 years and we can do the same for you — even if you’ve had tickets, accidents, a DUI, or require an SR-22. We can help anyone find low-cost auto insurance.
Decide how much car insurance you need. State requirements represent the minimum amount of coverage you need to drive … and they’re generally inadequate, even when it comes to the required liability insurance. It’s hard to say for sure how much coverage you specifically need, because it depends on the age, make and model of your car, among other things. However, most insurance experts generally recommend limits of $100,000 in bodily injury coverage per person; $300,0000 in bodily injury coverage per accident and $100,000 in property damage coverage. And, if your car is new and/or expensive, you’ll probably want collision and comprehensive insurance, too.

The National Highway Traffic Safety Administration's (NHTSA) 5-Star Safety Ratings Program provides consumers with information about the crash protection and rollover safety of new vehicles, with more stars equaling safer cars. We examined 2016 model year vehicles for which ratings are available to compile the list of most affordable to insure for teen drivers.


Remember, price is just one piece of the car insurance policy puzzle. You also want to make sure you feel good about the insurer you’re doing business with. Do they have a good track record when it comes to paying out claims? Are they known for their customer service? Are they financially solvent? Fortunately, it’s pretty easy to get answers to these questions. In fact, sometimes, some important signifiers will be included with your auto insurance quote. The big stats to check when vetting an insurance company include:
Our writers and editors thoroughly research the car insurance options we compare on this site. You’re guaranteed to only read unbiased, third party opinions. While we make money from our partner insurance providers to expand our content and our company, we maintain high editorial standards to ensure any information you see on finder.com is accurate and objective.
Insurance comparison websites can be further broken down into sites that provide real-time insurance quotes versus those that provide estimated ones. Estimated quotes are derived from historic data and are often out of date; to get the most accurate information you should use a site that provides real-time quotes generated by the insurance companies.

In aggregate, our three most expensive cities in North Carolina ranked with a cost of car insurance that was 17% greater than the state mean. The average annual premium for these three cities was $946, which, while expensive relatively speaking in the state, actually fell on the cheaper side compared to other states the team has analyzed. These locations ranged vastly in size from populations of less than 5,000 to over 203,000.
Over eighty years of insuring drivers has made us one of the most trusted names in the industry. We didn’t become the nation’s third largest insurer by simply offering cheap car insurance prices. We did it by offering 24/7 world-class customer support, and earning an A+ superior financial rating from A.M. Best when it comes to servicing claims. That’s why 4 out of 5 customers recommend Progressive.†† And that’s how we’ve earned the confidence of over 18 million drivers.
If a parent's greatest fear is their child getting behind the wheel, covering their car insurance premium might be a close second. On average, adding a teen driver increases annual car insurance rates by about 83%. This is because of the risks posed by teen drivers: they're less experienced and more likely to take risks behind the wheel, leaving the insurance company vulnerable. We assessed premiums from top insurers after adding a teen to the car insurance policy of a married couple.
MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, and discounts are available in most states to those who qualify.
This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).
New York - New Yorkers get all of the information they need on NY's Department of Financial Services website insurance industry section. Whether you are from New York City - Manhattan, Queens, Brooklyn, The Bronx, Staten Island or any other NYC location, Buffalo, Rochester or any other city within New York, you will most likely find all of the local insurance information that you need here: Consumer Resources, Agents & Brokers, Companies, Applications & Licensing
Look into being a nominated driver on your parents’ insurance. Their rates might go up, but it could be less than keeping your solo policy. And because married drivers tend to file fewer claims, you’ll often get a discount on your premium just for getting engaged or married. Married couples can also save by combining their insurance on one policy to save money.

At Freeway Insurance, cheap car insurance doesn’t mean you have to sacrifice quality coverage in order to get a lower rate. We work with top insurance companies to get you the best coverage at the lowest price based on your specific needs. We’ve been helping customers save money on auto insurance for over 30 years and we can do the same for you — even if you’ve had tickets, accidents, a DUI, or require an SR-22. We can help anyone find low-cost auto insurance.
Today we still answer to our members, but we protect more than just cars and Ohio farmers. We’re a Fortune 100 company that offers a full range of insurance and financial services across the country. Including car, motorcycle, homeowners, pet, farm, life and commercial insurance. As well as annuities, mutual funds, retirement plans and specialty health services.
After our analysis of 2,700 cities and 128 companies, we found that Erie was the most affordable major insurer in the country with an average yearly rate of $1,052 based on our sample driver - about 31% cheaper than the national average across every insurer. The very largest of the five is GEICO, the second largest auto insurer in the U.S. by market share.
If you opt for the minimum required coverage in Virginia, prepare to pay an average of $385 annually. This is more affordable than the U.S. average by 41%. If you opt for better coverage, you can select a policy with comprehensive and collision coverage, protecting against costs incurred by car collisions, theft and vandalism, or weather incidents. It's worth noting that better coverage has a price: in Virginia, a comprehensive policy with a $1,000 deductible costs $792, 105% more than liability-only coverage. For a comprehensive policy with a $500 deductible, expect to pay 135% more than you would for a basic liability-only policy.
Getting the right coverage for your vehicle is easy with Freeway. We offer cheap car insurance options, convenient office locations, and personalized customer care you won’t find anywhere else. When you request an auto insurance quote from Freeway Insurance, an insurance advisor will compare auto insurance rates from top insurance companies to help you find the policy that fits your needs and budget. Our insurance advisors have years of experience in the insurance market, so they know how to get you the best car insurance available.
9 Auto/Home Multi-policy Discount: A discount will apply to the total policy premium for those insured with both home and private passenger automobile insurance with MetLife Auto & Home. The percentage amount of the discount may vary by state. The Auto/Home Multi-policy Discount is not available to auto policies where the insured's homeowners insurance is a renter's policy, and is not available on the homeowners policy, if the auto policy is written by Metropolitan General Insurance Company or at a nonstandard rate level. 
Receive 5% off your auto policy premium when you already purchased qualifying life insurance or annuity products written by Metropolitan Life Insurance Company or an affiliated company domiciled in the United States. Not available in all states.
At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in Virginia, while also getting an insider view of the Old Dominion State.
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