The average car insurance rate in North Carolina is $1,084. In fact, North Carolina has some of the lowest car insurance rates in the nation. And in Mooresville, where the average annual car insurance premium is just $1,054, drivers can save even more since several providers offer average rates well below the state’s average.
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.
Methodology & why you can trust our rates
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.
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 |
|---|---|---|
Erie | $728 | 893 |
Utica National | $763 | -- |
Farm Bureau | $792 | -- |
State Farm | $853 | 882 |
GEICO | $907 | 874 |
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 |
|---|---|
28117 | $1,052 |
28115 | $1,056 |
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 | Erie | Utica National | Farm Bureau | State Farm | GEICO |
|---|---|---|---|---|---|
At-fault accident | $827 | $1,539 | $1,358 | $1,544 | $2,213 |
DUI | $3,435 | $4,730 | $3,404 | $3,938 | $5,286 |
Suspended license | $2,361 | $3,122 | $2,344 | $2,411 | $3,251 |
Open container | $1,134 | $1,122 | $1,130 | $1,267 | $1,504 |
Expired registration | $1,134 | $1,122 | $1,130 | $1,157 | $1,504 |
Driving without lights | $750 | $1,122 | $1,130 | $1,157 | $1,504 |
Running a red light | $1,134 | $1,122 | $1,130 | $1,267 | $1,504 |
Following too closely | $1,249 | $1,289 | $1,244 | $1,406 | $1,631 |
Hit and run | $3,435 | $4,730 | $5,240 | $3,938 | $5,286 |
Not-at-fault accident | $750 | $874 | $827 | $906 | $929 |
Passing a school bus | $1,516 | $1,846 | $1,510 | $1,636 | $2,023 |
Reckless driving | $1,516 | $1,846 | $1,510 | $1,636 | $2,377 |
Speeding | $1,249 | $959 | $1,244 | $1,406 | $1,631 |
Cheapest car insurance for drivers with a DUI in Mooresville, NC
Company | Rates for drivers with DUIs |
|---|---|
Farm Bureau | $3,404 |
Erie | $3,435 |
State Farm | $3,938 |
Utica National | $4,730 |
GEICO | $5,286 |
Cheapest car insurance for drivers with a speeding ticket in Mooresville, NC
Company | Rates for drivers with speeding tickets |
|---|---|
Utica National | $959 |
Farm Bureau | $1,244 |
Erie | $1,249 |
State Farm | $1,406 |
GEICO | $1,631 |
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 Insurance | $987 |
Utica National | $1,004 |
Erie | $1,095 |
Progressive | $1,154 |
MetLife | $1,154 |
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?
ERIE has the cheapest car insurance in Mooresville, with an average rate of just $728 per year.
How much does car insurance cost in Mooresville?
On average, car insurance in Mooresville costs just $1,054 per year, substantially cheaper than the typical cost of coverage nationally.
How do North Carolina insurance rates compare to other states?
The average car insurance rate across all states is $1,638, meaning North Carolina’s average rates are considerably cheaper.
What are the penalties for driving without car insurance in Mooresville?
If you're caught driving without car insurance in Mooresville, North Carolina, you could face a fine of at least $50, plus an additional fee to reinstate your license if it's suspended.
