Last Updated: 04/18/2025
First Citizens Bank Auto Insurance
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Last Updated: 04/18/2025
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Financial Strength Rating
N/A(Verified 04/18/2025)
First Citizens Bank Auto Insurance Review
First Citizens Bank is a car insurance carrier based in Raleigh, NC. The insurance company was founded in 1898 and offers car insurance in 50 states (and Washington, DC).
If you're considering whether First Citizens Bank Auto Insurance is a good option for you, read on.
First Citizens Bank Auto Insurance Pros & Cons
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First Citizens Bank Auto Insurance FAQ
What types of car insurance coverage options does First Citizens Bank Auto Insurance offer?
Although we often talk about car insurance in the singular, it really includes several types of coverage options.
First Citizens Bank Auto Insurance customers can also add the following riders or endorsements to their insurance policies:
- Accident Forgiveness: First Citizens Bank offers accident forgiveness, which excuses your first accident. This means no insurance rate increase, even if it's your fault.
- Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
- Non-Owner Liability Coverage: This policy is designed for people who drive a vehicle they don't own. It is also used by businesses who want to provide coverage for their employees when they use their personal vehicles for work. In some cases this endorsement will also cover rental vehicles.
- Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.
- Transport Trailer Coverage: This covers non-motorized trailers towed by a vehicle. If they are damaged or cause damages in an accident this policy will cover the costs.
Does First Citizens Bank Auto Insurance have roadside assistance?
Emergency Roadside Service available. Yes, First Citizens Bank offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.Does First Citizens Bank Auto Insurance offer ridesharing insurance?
No, First Citizens Bank Auto Insurance does not offer ridesharing coverage as a rider or endorsement.What benefits does First Citizens Bank Auto Insurance offer?
First Citizens Bank Auto Insurance offers the following benefits to its customers:
- 24/7 Phone Availability: Customer service is staffed around the clock.
- Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
- Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.
How does First Citizens Bank calculate insurance rates?
Car insurance companies guard their risk-assessment algorithms as a trade secret, and First Citizens Bank is no exception. However, you can be confident that First Citizens Bank Auto Insurance will take into consideration your driving record, age, gender, marital status, and address.
Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.
Does First Citizens Bank Auto Insurance use your credit score?
It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.
- If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
- There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.
How can I get a First Citizens Bank Auto Insurance insurance quote
- Visit the First Citizens Bank website.
- Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
- Check the information is accurate and submit your application.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
7:00AM - 11:00PM
Monday
7:00AM - 11:00PM
Tuesday
7:00AM - 11:00PM
Wednesday
7:00AM - 11:00PM
Thursday
7:00AM - 11:00PM
Friday
7:00AM - 11:00PM
Saturday
7:00AM - 11:00PM