120+ more*Quotes generated for Insurify users from North Carolina within the last 10 days. Last updated on March 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from North Carolina within the last 10 days. Last updated on March 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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7+ years in personal finance writing
Certified Financial Education Instructor
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.
Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.
She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Drivers in North Carolina pay an average of $66 per month for minimum liability coverage and $89 per month for full coverage. These rates are much lower than the national average of $99 per month for minimum coverage and $173 for a full-coverage policy.
The following table highlights rates from the cheapest insurance companies in North Carolina across different driver categories.
Driver Category | Cheapest Insurance Company in NC | Cheapest Monthly Quote in NC |
|---|---|---|
| Overall | Nationwide | $61 |
| State-minimum coverage | Nationwide | $61 |
| Full coverage | Direct Auto | $84 |
| Drivers with a clean record | Nationwide | $61 |
| After a speeding ticket | Nationwide | $82 |
| After an at-fault accident | Erie | $84 |
| After a DUI | Erie | $112 |
| Teen/new drivers | Erie | $113 |
| Seniors | Nationwide | $48 |
| Bad credit | Nationwide | $75 |
Unlike many other states, where individual insurance companies are responsible for filing their own rates, in North Carolina the North Carolina Rate Bureau represents insurers.
The NCRB is a nonprofit that represents member insurance companies and proposes rates on the insurer’s behalf. It’s then up to the insurance commissioner to review the proposal and accept or reject. This process helps regulate insurance rates and can keep costs down for drivers.[1]
Liability rates start at $61 per month
To drive in North Carolina, you need to maintain minimum liability insurance, which pays for the medical bills and property damage of another driver if you cause an accident. It doesn’t cover your injuries or car repair bill.
Nationwide offers the cheapest liability-only car insurance in the Tar Heel State.
The data in the following table shows several of the cheapest liability-only car insurance rates in North Carolina.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Nationwide | $61 |
| Erie | $61 |
| Direct Auto | $66 |
| National General | $67 |
| Liberty Mutual | $67 |
| Progressive | $69 |
| GEICO | $70 |
| Safeco | $70 |
| Dairyland | $75 |
| Travelers | $77 |
| Allstate | $83 |
| State Farm | $100 |
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Austin Moyers
Sales Manager, Insurify
North Carolina increased its minimum coverage requirements in July 2025, but you still may want to consider additional coverage limits. If you cause an accident and the damages exceed your policy limits, you’ll have to pay any remaining costs out of pocket. A full-coverage policy and higher liability limits offer more financial protection.
Full-coverage car insurance in North Carolina combines comprehensive coverage and collision coverage with mandatory liability and uninsured motorist coverage. While a liability-only policy protects other drivers from damage you cause, full-coverage insurance adds protection for your own vehicle.
If you drive in rural areas of North Carolina, a full-coverage policy can protect you from risks like hitting a deer or damage from severe weather events, which are also common in the state.[2]
Direct Auto, Progressive, and Nationwide currently offer some of the cheapest full-coverage policies in North Carolina.
The data in the following table shows more of North Carolina’s cheapest full-coverage insurers.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Direct Auto | $84 |
| Progressive | $86 |
| Nationwide | $93 |
| Erie | $93 |
| National General | $95 |
| GEICO | $107 |
| Liberty Mutual | $116 |
| Travelers | $118 |
| Safeco | $122 |
| Allstate | $127 |
| State Farm | $152 |
| Dairyland | $165 |
*Quotes generated for Insurify users from North Carolina within the last 10 days. Last updated on March 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from North Carolina within the last 10 days. Last updated on March 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance rates in North Carolina are lower than the national average, thanks in part to regulation from the NCRB.
Comparing quotes from the best car insurance companies in North Carolina can help you find coverage that meets your needs and budget.
| User Reviews | 4.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $61/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $93/mo |
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
Teen drivers (and their parents) pay some of the highest car insurance rates in North Carolina. If you want to find quality auto coverage at the best rate, Erie offers some of the cheapest liability premiums for teens in the state. You can also save when you bundle multiple Erie policies.
Accident forgiveness coverage available
Above-average J.D. Power claims and customer satisfaction ratings
Wide range of optional auto coverages
Youthful driver discounts not available in North Carolina
Can’t get a quote online
Limited features on web and mobile app
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $61/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $93/mo |
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
From Duke University to Fayetteville State University and UNC-Chapel Hill, North Carolina is home to many quality higher-education institutions and students who can take advantage of Nationwide’s good student discounts. Students aged 16–24 who maintain a minimum B average may qualify to save on their premiums.
Offers several discounts for students
Online quotes available
Affordable rates in North Carolina
Discount availability varies by state
Not available in every state
Lower financial strength rating than some competitors
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $69/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $86/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Progressive offers some of the cheapest rates to drivers in North Carolina. With Progressive, you can get a discount for bundling home, condo, or renters insurance with your car insurance policy. Through Progressive’s Snapshot usage-based driving program, you can save even more depending on how you drive and how much you drive.
Cheap rates in North Carolina
Highly rated mobile app
AM Best financial strength rating of A+ (Superior)
Below-average J.D. Power claims satisfaction rating
Below-average J.D. Power customer satisfaction rating
Low Trustpilot rating
North Carolina premiums are projected to increase 1.7% by the end of 2026, bringing its average car insurance premiums to $1,300 annually, according to an Insurify report.
New state legislation in North Carolina might help explain rising costs. As of July 1, 2025, the state increased minimum limits and made underinsured motorist coverage mandatory, increasing premiums for drivers carrying minimum coverage.[3]
The following graph illustrates how car insurance rates in North Carolina have changed over the past five years.
North Carolina requires all vehicles with valid registration to have continuous liability coverage from an insurance company licensed to do business in the state. The state doesn’t accept out-of-state policies.[4]
The state increased its minimum car insurance requirements in July 2025. To meet North Carolina car insurance requirements, you must have the following coverage:
Type of Coverage | North Carolina Requirement |
|---|---|
| Bodily injury liability (one person) | $50,000 |
| Bodily injury (two or more people) | $100,000 |
| Property damage liability | $50,000 |
| Uninsured/underinsured motorist coverage | $50,000 per person/$100,000 per accident |
Not every state requires uninsured/underinsured motorist coverage, but North Carolina does. This coverage protects you against other drivers who don’t have any or enough insurance to pay for damage to your property or medical expenses if they cause an accident.
Car insurance rates in North Carolina vary from one city to the next. Large urban areas, such as Charlotte and Raleigh, tend to have higher premiums than smaller cities, like Chapel Hill or Cary.
Below is a comparison of the average monthly rates across several North Carolina cities.
City | Average Monthly Quote |
|---|---|
| Asheville | $67 |
| Cary | $73 |
| Chapel Hill | $70 |
| Charlotte | $98 |
| Durham | $81 |
| Fayetteville | $94 |
| Gastonia | $91 |
| Greensboro | $87 |
| Greenville | $91 |
| High Point | $86 |
| Jacksonville | $79 |
| Raleigh | $85 |
| Wilmington | $77 |
Nationwide offers the most affordable car insurance coverage in North Carolina for people with a clean driving record, at $61 per month for a liability policy.
The table below shows the cheapest liability quotes in North Carolina for people with a clean record.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Nationwide | $56 |
| Erie | $56 |
| National General | $60 |
| Direct Auto | $61 |
| Progressive | $68 |
| GEICO | $68 |
| Liberty Mutual | $68 |
| Dairyland | $69 |
| Travelers | $72 |
| Safeco | $73 |
| Allstate | $81 |
| State Farm | $94 |
North Carolina uses the Safe Driver Incentive Plan (SDIP) to encourage drivers to practice safe driving habits. If you get a speeding ticket, the state will assess SDIP points, which can lead to an increase in your insurance rates.
For example, going 10 mph or more above the speed limit in a 55 mph zone will result in a 40% rate increase in North Carolina.[5]
North Carolina drivers with a speeding ticket pay an average of $82 per month for liability coverage.
The following table highlights the most affordable car insurance quotes for North Carolina drivers with a speeding ticket.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Nationwide | $82 |
| Erie | $83 |
| Direct Auto | $85 |
| National General | $86 |
| Liberty Mutual | $88 |
| Progressive | $93 |
| GEICO | $95 |
| Safeco | $95 |
| Dairyland | $97 |
| Travelers | $103 |
| Allstate | $112 |
| State Farm | $131 |
If you’re in an accident in North Carolina and are at fault, you’ll earn SDIP points, which can increase your insurance rates. For example, if you cause an accident resulting in property damage between $2,300 and $3,850, the state will increase your rates by 55%.
North Carolina drivers pay an average of $84 per month for auto insurance after an accident.
The table below shows the most affordable auto insurance quotes in North Carolina after an at-fault accident.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $84 |
| Nationwide | $85 |
| National General | $92 |
| Liberty Mutual | $92 |
| Direct Auto | $93 |
| GEICO | $94 |
| Progressive | $98 |
| Safeco | $101 |
| Dairyland | $103 |
| Travelers | $107 |
| Allstate | $115 |
| State Farm | $137 |
A driving under the influence conviction in North Carolina is one of the most serious offenses. It’ll earn you the highest number of SDIP points and can increase your insurance rates by up to 340%.
If you’re convicted of a DUI, the state will revoke your license for at least one year. A second DUI will result in a four-year suspension, and you’ll lose your license permanently if you’re convicted for a third time.[6]
Erie offers the cheapest average rates for North Carolina drivers with a DUI, at $112 per month for liability-only coverage.
Check out the following table for the cheapest car insurance quotes for North Carolina drivers with a DUI.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $112 |
| Nationwide | $113 |
| Direct Auto | $122 |
| National General | $124 |
| Liberty Mutual | $124 |
| GEICO | $128 |
| Safeco | $136 |
| Dairyland | $139 |
| Travelers | $142 |
| Progressive | $152 |
| Allstate | $153 |
| State Farm | $185 |
If you get a DUI, you’ll need to submit a DL-123 form to prove that you meet the state’s minimum liability car insurance requirements in order to get your license reinstated. You’ll need to contact a North Carolina insurance company to get a DL-123.[7]
High-risk drivers in North Carolina who require a DL-123 pay an average of $78 per month for liability coverage.
The table below shows the most affordable SR-22 car insurance in North Carolina.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Nationwide | $72 |
| Erie | $72 |
| Direct Auto | $78 |
| National General | $79 |
| Liberty Mutual | $79 |
| Progressive | $82 |
| GEICO | $83 |
| Safeco | $83 |
| Dairyland | $89 |
| Travelers | $91 |
| Allstate | $98 |
| State Farm | $118 |
Liability rates for high-risk drivers average $83/mo.
North Carolina imposes a premium surcharge on drivers with less than eight years of driving experience, known as the “inexperienced operator surcharge.” This surcharge applies to all drivers licensed on or after July 1, 2025.
Teen drivers in North Carolina pay monthly averages of $123 for liability policies and $123 for full-coveage policies.
The following data shows the cheapest quotes for teen car insurance in North Carolina.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $113 |
| Liberty Mutual | $120 |
| Nationwide | $121 |
| GEICO | $127 |
| Progressive | $129 |
| Direct Auto | $129 |
| Dairyland | $131 |
| National General | $138 |
| Safeco | $143 |
| Travelers | $162 |
| Allstate | $167 |
| State Farm | $197 |
North Carolina requires drivers 66 years and older to renew their license every five years. Otherwise, the state has no age-specific restrictions.[8]
Nationwide offers the most affordable coverage for senior drivers in North Carolina, with an average rate of $48 per month for liability coverage.
Below are the most affordable auto insurance rates for senior drivers in North Carolina.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Nationwide | $48 |
| Erie | $48 |
| Direct Auto | $54 |
| National General | $54 |
| GEICO | $57 |
| Liberty Mutual | $57 |
| Progressive | $62 |
| Safeco | $62 |
| Travelers | $63 |
| Dairyland | $65 |
| Allstate | $69 |
| State Farm | $80 |
Insurance companies in North Carolina can use credit-based insurance scores when calculating your premiums. But insurers can’t use credit scoring as the sole reason for terminating your policy.
Having bad credit can result in higher premiums because insurers view you as more likely to file a claim. Nationwide offers the most affordable car insurance to drivers with bad credit, with an average liability premium of $75 per month.
The following table shows the cheapest car insurance quotes for drivers with bad credit in North Carolina.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Nationwide | $75 |
| Liberty Mutual | $80 |
| Direct Auto | $81 |
| National General | $82 |
| Progressive | $86 |
| GEICO | $86 |
| Safeco | $86 |
| Erie | $89 |
| Dairyland | $92 |
| Travelers | $95 |
| Allstate | $102 |
| State Farm | $144 |
See quotes from top insurers in minutes
Check out these answers to some of the most commonly asked questions about North Carolina car insurance.
All drivers in North Carolina must have continuous liability coverage, which includes $50,000 of bodily injury per person, $100,000 of bodily injury per accident, and $50,000 in property damage coverage. The state also requires drivers to have underinsured motorist coverage that’s equal to the bodily injury and property damage limits.
The average cost of car insurance in North Carolina is $66 per month for liability insurance and $89 per month for a full-coverage policy.
Nationwide is the cheapest insurer in North Carolina, according to Insurify data, with an average monthly rate of $61 for liability-only coverage.
Yes. North Carolina is an at-fault state — also known as a tort state — for car insurance. This means the driver who caused the accident is responsible for paying the damages.[9]
Yes. In North Carolina, your personal auto insurance policy won’t cover you if you get into an accident or sustain damage while you’re logged into a transportation network platform like Uber or Lyft. You will need to purchase rideshare car insurance.
To find the cheapest car insurance rates in North Carolina, get quotes from multiple insurers. You can also ask about car insurance discounts, raise your deductible, and try to maintain a clean credit and driving history.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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7+ years in personal finance writing
Certified Financial Education Instructor
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.
Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.
She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
