The best car insurance in Mooresville, NC

By

Erin Gobler

Erin Gobler

Insurance Expert

Erin Gobler is a freelance insurance writer at Policygenius, specializing in auto insurance. Erin has been writing about insurance and other personal finance topics since 2018 and has been published in some of the industry’s leading publications.

Published November 17, 2021

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The average car insurance rate in North Carolina is $1,009. In fact, drivers in the state have the distinction of having the cheapest car insurance in the nation. And in Mooresville, where the average annual car insurance premium is just $983, drivers can save even more since several providers offer average rates well below the state’s average.

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While Mooresville drivers already have access to cheap car insurance, you can save even more by shopping around. Policygenius can help you get quotes from all of the top insurance carriers in North Carolina and find the best coverage for you.

Key Takeaways

  • GEICO has the cheapest car insurance rates in Mooresville

  • State Farm has the cheapest insurance rates for drivers with violations on their records

  • North Carolina drivers must have $30,000 per person and $60,000 per accident in bodily injury liability coverage and $25,000 of property damage liability coverage

Cheapest car insurance companies in Mooresville, NC

Car insurance companies use a variety of factors to determine your insurance rates. Factors most often used include your age, gender, driving history, credit score, and location. And while each company uses the same information, they all have their own formulas for setting rates. As a result, one driver could get very different quotes from different companies.

As you can see below, GEICO offers the cheapest car insurance to Mooresville drivers, followed by State Farm.

Company

Average cost

JD Power Rating

GEICO

$719

871

State Farm

$759

881

Utica National

$763

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Erie

$775

880

North Carolina Farm Bureau

$792

--

Cheapest car insurance rates by ZIP code in Mooresville, NC

Your location is one of the most important factors that companies use to set your car insurance rates. In addition to your state and city, an insurer will also consider your ZIP code. Certain neighborhoods have higher rates of accidents, crime, or uninsured drivers, which results in drivers in those areas paying higher insurance rates. On the other hand, drivers in neighborhoods deemed to be lower-risk can expect to pay lower rates. Below you can see how insurance rates vary in different Mooresville ZIP codes.

ZIP code

Average cost

28115

$985

28117

$981

Choosing the right car insurance company in Mooresville, NC

Mooresville drivers are lucky to have access to some of the cheapest car insurance in the country, but it’s still important to shop around for the best deal. The insurance experts at Policygenius can help to answer all your insurance questions, and we can help you get quotes from all of the top insurance companies in your area.

Car insurance rates for drivers with driving violations in Mooresville, NC

Mooresville drivers generally have access to cheap car insurance rates, but you’ll find that your premiums can rise dramatically if you have violations on your driving record. Offenses like speeding, causing an accident, or driving under the influence can have a significant impact on your insurance rates and can stay on your driving record for several years.

Luckily, certain insurance companies are more favorable to drivers with violations. If you find that your insurance rates are high because of an offense on your record, you can shop around for a cheaper rate from one of the companies below.

Violation

GEICO

State Farm

Utica National

Erie

North Carolina Farm Bureau

At-fault Accident

$1,898

$1,382

$1,539

$838

$1,358

DUI

$5,015

$3,545

$4,730

$3,540

$3,404

Driving with a suspended license

$3,067

$2,166

$3,122

$2,428

$2,344

Driving with an open container

$1,289

$1,133

$1,122

$1,156

$1,130

Driving with expired registration

$1,289

$1,033

$1,122

$1,156

$1,130

Driving without Lights

$1,289

$1,033

$1,122

$1,156

$1,130

Failure to show documents

$1,289

$1,033

$1,122

$1,156

$1,130

Failure to stop at a red light

$1,289

$1,133

$1,122

$1,156

$1,130

Cheapest car insurance for drivers with bad credit in Mooresville, NC

Another important factor when it comes to your insurance rates is your credit score, since studies have found a correlation between credit history and insurance risk. In general, drivers with poor credit are more likely to file an insurance claim, and so companies tend to charge those drivers higher rates. Each insurance company will give a different weight to your credit history. As you can see below, National General has the cheapest insurance rates for drivers with bad credit.

Company

Rates for drivers with bad credit

National General

$987

Utica National

$1,004

Erie

$1,071

Penn National

$1,159

MetLife

$1,159

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Buying car insurance in Mooresville, NC

North Carolina law requires that all drivers with a vehicle licensed in the state have continuous in-state car insurance. State law requires that all drivers have the following insurance coverage:

  • Bodily injury liability coverage of $30,000 per person and $60,000 per accident

  • Property damage liability coverage of $25,000

North Carolina is not a no-fault insurance state, meaning the driver that causes an accident in the state is financially responsible for all damages. The required liability coverage is meant to cover a driver’s liabilities when they cause an accident. But keep in mind that if the damages exceed your insurance coverage amount, you could be required to pay the remaining damages to a person or property out of your own pocket.

Insurance companies in North Carolina are required to notify the state if someone cancels their liability coverage or allows their policy to lapse. If you don’t provide proof of insurance within 10 days of contact from the state’s DMV, you could be subject to a fine of $50 on the first offense, $100 on the second offense, and $150 on the third and subsequent offenses. You’ll also be subject to a restoration fee of $50 when you renew your vehicle registration.

How to get cheap car insurance in Mooresville, NC

Drivers in Mooresville already have some of the cheapest car insurance rates in the country, but you can save even more with just a few simple strategies:

  • Shop around: Insurance rates can vary significantly from one provider to the next. Policygenius can help you get quotes from the top insurers to find the best coverage for you at the best rate.

  • Raise your deductible: Your deductible is the amount you’ll pay out of pocket before your insurance coverage kicks in. In general, insurance premiums go down as deductibles rise, meaning you can save money by raising your deductible.

  • Take advantage of discounts: Most insurance companies offer discounts to allow customers to save money. Discounts are often available for bundled policies, having multiple vehicles on the same policy, or having no accidents on your record.

Frequently asked questions

Who has the cheapest car insurance in Mooresville?

GEICO has the cheapest car insurance in Mooresville, with an average rate of just $719 per year. State Farm is close behind with an average rate of $759.

How much does car insurance cost in North Carolina?

The average car insurance rate in North Carolina is just $1,009 per year.

How do North Carolina insurance rates compare to other states?

The average car insurance rate across all states is $1,652, meaning North Carolina’s average rates are considerably cheaper. In fact, North Carolina is the cheapest state in the nation for car insurance.

What factors affect my car insurance rates?

Some of the factors that affect your car insurance rates include your age, gender, driving record, credit score, location, driving frequency, and insurance coverage.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.