Cheapest Auto Insurance in North Carolina (2025)
The cheapest car insurance company in North Carolina is Nationwide, which has average quotes of $42 per month.
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Data reviewed byKonstantin Halachev
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Table of contents
- Cheapest car insurance companies in NC
- Affordable car insurance in NC
- Liability-only car insurance in NC
- Full-coverage car insurance in NC
- NC car insurance requirements
- Car insurance quotes by history
- Car insurance quotes for seniors
- Car insurance quotes for teens
- Car insurance quotes by credit tier
- FAQs
Table of contents
The average cost of car insurance in North Carolina is $75 per month, which is less than the national average of $150 per month. Insurers look at overall population density, so North Carolina’s large rural population could contribute to its low auto insurance rates.
Many factors go into calculating your insurance premiums, including ZIP code, age, and driving history. If you’re shopping around for cheap insurance in North Carolina, you should get quotes from several companies and compare your options.
Quick Facts
Midvale Home & Auto, Erie, and GEICO are some of the cheapest car insurance companies in North Carolina.
North Carolina drivers pay an average monthly cost of $58 for a liability-only insurance policy and $93 for full coverage.
North Carolina’s minimum liability coverage limits will increase on July 1, 2025.
3 of the cheapest car insurance companies in North Carolina
The best auto insurance company for you will depend on your needs, financial situation, and driving history. What’s best for your neighbor or friend may not be the best for you, so it’s important to compare as many options as possible to find the company that offers you the coverage you need at the lowest price.
Here are some of the cheapest car insurance companies in North Carolina to start your search.
Insurance Company | 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. | Average Quotes: Full Coverage | Average Quotes: Liability Only |
|---|---|---|---|
| Midvale Home & Auto | 7.5 | $69 | $34 |
| Erie | 9.0 | $63 | $42 |
| GEICO | 9.0 | $72 | $48 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Midvale Home & Auto
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
|---|---|
| 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. | 3.2 /10 |
Best For
Student drivers
Optional coverages
Bundling savings
Best For
Student drivers
Optional coverages
Bundling savings
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Midvale Home & Auto, a wholly owned subsidiary of American Family Insurance, has some of the cheapest car insurance rates in North Carolina. You can save even more on coverage with the company’s many discounts, including those for bundling policies, getting good grades in school, and setting up automatic payments. You can also customize your policy with add-on coverages, including gap insurance and rental car reimbursement.
Pros
Some of the lowest rates in North Carolina
Offers gap insurance and roadside assistance coverage
Several discounts available
Cons
Can’t get a quote online
No mobile app
Not rated by J.D. Power for customer or claims satisfaction
Erie
| User Reviews | 4.0 |
|---|---|
| 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. | 9.0 /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. | $42/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. | $63/mo |
4.0
Best choiceBased on 296 verified guest reviews and ratings
How drivers feel about Erie Insurance
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (157)
Gregory
April 2, 2025
Verified Review
Erie Auto Insurance: Great Company, Not So Great Rates
Erie was great when I first purchased my policy a few years ago. Since then, my rates have increased significantly. I had full coverage 100/300 liability with 100k in property damage, $500 deductible, $0 full glass coverage rental, and roadside for just over $800. This was great at the time compared to every other company I quoted. Then, Erie increased my rate to $1256 even though I’ve had no losses, no tickets, improved credit, and an excellent payment history, paying in full. When I compared rates with other companies, I found a reputable company who offered me 300/500k liability with 100k property, $500 deductible, $0 full glass, just like Erie, etc. I went from paying Erie $1256 per year to this new company $656 per year. That's almost a 50% savings while increasing my liability coverage at the same time. If Erie offers you a good rate, I highly recommend them. They’re a great company with a proven track record, but make sure you get quotes from others as well.
Harold
March 21, 2025
Verified Review
Erie Works For Me!
I have a good relationship with them!
Helen
March 21, 2025
Verified Review
Excellent
Erie excels in all aspects of their service and coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
868NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
When you buy a full-coverage policy through Erie Insurance, you’ll receive additional perks that other insurers would typically charge extra for. For example, Erie will cover up to $500 of the vet treatment costs if your pet sustains injuries from a car accident while in your vehicle.
The regional company also waives the deductible for auto glass repair. And if you accidentally lock your keys in your car, Erie will cover the costs up to $75.
Pros
High J.D. Power customer satisfaction rating in the Southeast region
Erie Rate Lock protects against rate increases
A+ (Superior) financial strength rating from AM Best
Cons
Can’t get a quote online
Online claims filing not available
Available in only 12 states
GEICO
| User Reviews | 4.0 |
|---|---|
| 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. | 9.0 /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. | $48/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. | $72/mo |
4.0
Best choiceBased on 11,235 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,152)
Larra
April 1, 2025
Verified Review
Unhappy and Planning to Cancel
I'm extremely upset that they're already expensive and then, in this current billing cycle, they increased my bill by over $40. I wish this could have been discussed over the phone. They just took it upon themselves to raise my rates. I will be switching to a new company immediately.
Merrylle
April 1, 2025
Verified Review
Seeking Reasonable Customer Service and Cost
I don't have many accidents, but when I do, the customer service is prompt and efficient. I am looking for a lower monthly premium.
Michael
March 31, 2025
Verified Review
Affordable but could improve senior discounts
So far, it's quite good. It's the cheapest of all the insurance agencies I've dealt with. However, the senior discounts could be better.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO offers competitive rates in North Carolina and personalized auto insurance, including collision, comprehensive, liability, medical, and uninsured motorist coverage. You can manage your policy using the company’s robust mobile app.
The insurer is known for offering a wide variety of discounts, and many people may save money by switching to GEICO. In particular, you can save up to 22% on auto insurance if you’ve been accident-free for five years or more. You can also save by completing an approved defensive driving course.
Pros
Plenty of discounts
Offers accident forgiveness coverage
A++ (Superior) financial strength rating from AM Best
Cons
Below-average J.D. Power customer satisfaction rating in the Southeast region
Limited network of local agents
Doesn’t offer gap insurance
How to get the cheapest car insurance in North Carolina
Getting the cheapest car insurance takes a little work on your part. While North Carolina already has below-average rates, here are some ways you can get cheaper coverage:
Raise your deductible. The higher your deductible, the less you’ll pay for car insurance. But make sure you can afford to pay the deductible if you have to file a claim.
Improve your credit. Drivers with a good credit-based insurance score pay cheaper car insurance rates because insurers view them as less likely to file a claim. You can improve your credit by keeping your credit utilization rate low and paying your bills on time.
Maintain a good driving record. Your driving record is one of the biggest factors affecting your insurance rates. Maintain a clean driving record by avoiding speeding tickets or at-fault accidents.
Shop around. Get quotes from several insurers and compare them to see which one offers you the best rates. Just make sure to receive identical quotes to compare your options accurately.
Low-cost car insurance in North Carolina
North Carolina doesn’t have any state-funded programs to subsidize car insurance for low-income drivers. But if you’re a North Carolina motorist looking to lower your car insurance costs, consider comparison shopping when your policy is up for renewal. By comparing quotes and discounts between multiple insurers, you can find the one that’s currently offering the most affordable car insurance policy.
Find Cheap Car Insurance in North Carolina
Liability rates start at $42 per month
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Cheapest liability-only car insurance quotes in North Carolina: Nationwide
Liability-only car insurance pays for the other driver’s property and bodily damage if you cause a car accident. But liability insurance doesn’t pay for your medical bills or damage to your vehicle.
Liability insurance in North Carolina costs an average of $58 per month.
Here are the cheapest liability insurance companies in North Carolina for you to consider.
10 Cheapest Liability-Only Companies
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance quotes in North Carolina: Nationwide
Liability insurance isn’t enough for most people, and full coverage is often a better option. Full-coverage auto insurance usually includes liability, comprehensive, and collision coverage. If you’re involved in an accident, it provides bodily and property damage coverage for you and the other driver.
North Carolina drivers pay $93 per month for full-coverage car insurance, on average. Check out North Carolina’s cheapest full-coverage insurance companies below.
10 Cheapest Full-Coverage Companies
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent car insurance quotes in North Carolina
Recent North Carolina car insurance prices for Nissan, KIA, Mercedes Benz , and more.
*Quotes generated for Insurify users within the last 10 days. Last updated on April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 2, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in North Carolina
Every state except New Hampshire requires drivers to carry a minimum amount of liability insurance. Driving without insurance can result in penalties, fees, and losing your license.
The specific coverage limits required in North Carolina increase on July 1, 2025. The table below reflects the change in requirements:[1]
Coverage | Current Coverage Limits | Coverage Limits as of July 1, 2025 |
|---|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident | $50,000 per person / $100,000 per accident |
| Property damage liability | $25,000 per accident | $50,000 per accident |
But these minimum requirements are just minimums and may not be enough coverage for every driver. Here are some additional insurance products you might consider to bolster your policy:
Collision coverage
Collision coverage pays to repair or replace your vehicle after you hit another vehicle or a stationary object, like a tree or light pole.
Comprehensive coverage
Comprehensive coverage pays for car repairs after a non-collision event, like weather damage, theft, vandalism, falling objects, and more.
Medical payments coverage
Medical payments coverage pays for necessary medical or funeral expenses from a car accident, regardless of fault.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage kicks in if someone without insurance or who doesn’t have enough insurance causes an accident and damages your car or injures you.
North Carolina’s Safe Driver Incentive Plan
The North Carolina Safe Driver Incentive Plan (SDIP) encourages drivers to adhere to traffic laws and drive safely. Under the SDIP, drivers accumulate points when they commit driving violations, but the amount of points depends on the severity of the violation. For example, speeding 10 mph or less results in one point, but passing a stopped school bus can result in four points.
Points stay on your records for three years, and these points correlate to a percentage of rate increase. Having three points means a 70% insurance rate increase, while having 10 points means 260%.
Cheapest car insurance quotes in NC for drivers with an incident
A driving incident includes at-fault accidents, speeding tickets, driving while impaired (DWI) convictions, or other moving violations. Every time you’re involved in a driving-related incident in North Carolina, the state assigns SDIP points to your record, which results in rate increases.
Here’s how much North Carolina car insurance costs based on driving history.
Shop for Car Insurance in North Carolina
Monthly rates start at $55 for drivers with an incident
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Cheapest car insurance quotes for drivers with a speeding ticket: Nationwide
In North Carolina, receiving one speeding ticket could cause your insurance premiums to increase by 30%. But the exact increase will vary depending on how much you exceed the posted speed limit.[2]
Liability-only policies cost an average of $91 per month for North Carolina drivers with a speeding ticket on their record. The table below shows how rates compare for drivers with clean records versus drivers with speeding tickets.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | Avg. Quotes With Clean Driving Record | Avg. Quotes With Speeding Ticket |
|---|---|---|
| Nationwide | $42 | $59 |
| Erie | $42 | $61 |
| GEICO | $48 | $67 |
| Travelers | $53 | $74 |
| Allstate | $57 | $79 |
| Progressive | $58 | $81 |
| Direct Auto | $59 | $83 |
| Dairyland | $60 | $83 |
| Safeco | $62 | $88 |
| National General | $64 | $89 |
| Liberty Mutual | $68 | $100 |
| State Farm | $69 | $95 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance quotes for drivers with an at-fault accident: Nationwide
If you have a history of at-fault accidents, your car insurance rates will likely increase — and in North Carolina, your rates could go up by 30%. How much your rates increase depends on the damage and injuries you cause in the accident.
North Carolina drivers with an accident on their records pay a monthly average of $95 for liability insurance.
The table below shows the most affordable car insurance companies with at-fault accidents.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | Avg. Quotes With Clean Driving Record | Avg. Quotes With Accident |
|---|---|---|
| Nationwide | $42 | $62 |
| Erie | $42 | $63 |
| GEICO | $48 | $70 |
| Travelers | $53 | $78 |
| Allstate | $57 | $83 |
| Progressive | $58 | $86 |
| Direct Auto | $59 | $88 |
| Dairyland | $60 | $87 |
| Safeco | $62 | $93 |
| National General | $64 | $92 |
| Liberty Mutual | $68 | $104 |
| State Farm | $69 | $100 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance quotes for drivers with a DWI: Nationwide
In North Carolina, driving while impaired or with a blood-alcohol concentration level (BAC) of 0.08% or higher is illegal. The first offense could result in a $4,000 fine and a minimum of 30 days in jail. And judges can’t suspend the minimum sentence requirements.[3]
After a DWI, your insurance premiums could increase by as much as 340%, and can impact your rates for 5–10 years. A DWI conviction can also stay on your driving record indefinitely.
Drivers in North Carolina with a DWI pay monthly averages of $105 for liability coverage and $169 for full coverage.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | Avg. Quotes With Clean Driving Record | Avg. Quotes With DWI |
|---|---|---|
| Nationwide | $42 | $72 |
| Erie | $42 | $72 |
| GEICO | $48 | $82 |
| Travelers | $53 | $91 |
| Allstate | $57 | $98 |
| Progressive | $58 | $100 |
| Direct Auto | $59 | $101 |
| Dairyland | $60 | $103 |
| Safeco | $62 | $105 |
| National General | $64 | $110 |
| Liberty Mutual | $68 | $117 |
| State Farm | $69 | $119 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance quotes for seniors: Nationwide
Auto insurance rates begin to decrease around age 25, but may slightly increase around age 70 due to an enhanced accident risk and higher probability of accident-caused injuries for senior drivers.[4]
Senior drivers pay an average of $62 per month for car insurance in North Carolina.
Senior drivers can save money by increasing their deductible, taking an approved defensive driving course, or looking for insurers with low-mileage discounts.
Here’s how much car insurance companies charge, on average, for senior drivers in North Carolina.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Quotes: Liability Only | Average Quotes: Full Coverage |
|---|---|---|
| Nationwide | $31 | $47 |
| Erie | $33 | $49 |
| GEICO | $38 | $57 |
| Progressive | $41 | $63 |
| Travelers | $41 | $62 |
| Allstate | $46 | $69 |
| Direct Auto | $46 | $75 |
| Dairyland | $48 | $141 |
| National General | $49 | $77 |
| Safeco | $53 | $99 |
| State Farm | $53 | $80 |
| Liberty Mutual | $56 | $143 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance quotes for teens: Erie
Teen drivers pay the highest rates for auto insurance due to their lack of experience behind the wheel and their higher rate of car crashes compared to other age groups.[5]
Liability insurance for teen drivers in North Carolina costs an average of $103 per month, and full coverage costs $164 per month.
Explore affordable car insurance companies for teens in the table below.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 Quotes: Liability Only | Average Quotes: Full Coverage |
|---|---|---|
| Erie | $74 | $111 |
| Nationwide | $77 | $116 |
| GEICO | $81 | $121 |
| Dairyland | $97 | $286 |
| Travelers | $100 | $151 |
| Progressive | $104 | $158 |
| Allstate | $107 | $162 |
| Direct Auto | $112 | $185 |
| Liberty Mutual | $119 | $302 |
| Safeco | $124 | $230 |
| State Farm | $125 | $188 |
| National General | $128 | $201 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
North Carolina car insurance quotes by credit tier
North Carolina allows insurers to consider a driver’s credit history when determining car insurance premiums.[6] Insurance companies believe that drivers with excellent credit are less likely to file insurance claims than drivers with bad credit.
The following chart shows that drivers with excellent or good credit pay less, on average, for insurance than drivers with poor credit.
Average Quotes by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in North Carolina
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Car insurance rates across North Carolina cities
Car insurance quotes vary widely based on where you live and how often drivers in your area file a claim. That’s why some cities in North Carolina have higher car insurance rates than others. The table below provides the average car insurance quote drivers in North Carolina see, based on which city they live in.
- CityFull CoverageLiability Only
Asheville $76 $47 Charlotte $118 $73 Durham $95 $57 Greensboro $94 $62 High Point $92 $62 Raleigh $96 $62 Wilmington $98 $57 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
North Carolina car insurance FAQs
Learn about the benefits of bundling home and auto insurance, and check out the answers to common questions about car insurance in North Carolina.
How much is car insurance in North Carolina?
The average cost of car insurance in North Carolina is $58 per month for a liability-only insurance policy and $93 per month for full coverage.
Which company has the cheapest car insurance in North Carolina?
Nationwide, Erie, and GEICO are the cheapest liability-only car insurance companies in North Carolina, with rates of $42, $42, and $48 per month, respectively.
What is the cheapest car insurance for a new driver in North Carolina?
New and young drivers in North Carolina may find the cheapest car insurance rates with Erie. This regional insurer has liability insurance rates as low as $77 per month.
What are the minimum car insurance requirements in North Carolina?
North Carolina currently requires drivers to carry a minimum of $30,000 per person and $60,000 per accident in bodily injury liability and $25,000 per accident in property damage liability. The specific coverage limits required in North Carolina will increase on July 1, 2025 and North Carolina drivers will be required to carry a minimum of $50,000 per person and $100,000 per accident in bodily injury liability and $50,000 per accident in property damage liability.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- North Carolina Department of Motor Vehicles. "Insurance Requirements."
- North Carolina Department of Insurance. "A Consumer's Guide to Automobile Insurance."
- North Carolina Department of Public Safety. "Driving and Alcohol."
- Insurance Information Institute. "Senior driving safety and insurance tips."
- Centers for Disease Control and Prevention. "Risk Factors for Teen Drivers."
- North Carolina Department of Insurance. "A Consumers Guide to Insurance Companies' Use of Credit Information."
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Jamie Johnson
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Jamie has been a contributor at Insurify since October 2022.
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