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Why did my car insurance premium increase when I moved to N.C.?

Wayne Faulkner

More details from the questioner:

“I’m a Marine stationed in North Carolina. I’m a Virginia resident and both my vehicles are registered in Virginia. When I moved my vehicles to North Carolina, my insurance premium jumped. Both my vehicles already met North Carolina minimums and the policy never changed nor did the registration. Why the price hike?”

The answer:

It’s hard to say why your rates changed without knowing your age, the kind of vehicle you have and other personal statistics.

That said, rates change from state to state because the rules are all different, said David Hull of the David Hull Insurance Agency in Jacksonville. “You can take the same policy and move to Tennessee and it is going to be completely different,” he said

In North Carolina, for instance, if you have a speeding ticket you are charged points – which increase your auto insurance rates – and that goes for tickets written in other states as well. If you got a ticket while driving in Virginia, that counts as one here.

Related links:

North Carolina Department of Insurance

N.C. Department of Transportation: Division of Motor Vehicles

User-contributed question by:
Kevin Scadden

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