Cheapest Auto Insurance in North Carolina (2025)

The average cost of car insurance in North Carolina is $76 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.

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.

• How Insurify rates insurance companies

  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

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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.	NR

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Driver Reviews

Best For

Student drivers

Optional coverages

Bundling savings

Best For

Student drivers

Optional coverages

Bundling savings

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

NR

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

Why 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

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User Reviews	4.0 171 reviews
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.	$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

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Driver Reviews

4.0

Best choiceBased on 321 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 (171)

Randall

April 23, 2025

Verified Review

I called to have my monthly premium taken off my debit card, and they waited for days to do it. I'm tired of paying $25 a month on overdraft fees when my insurance is $46.

I called to have my monthly premium taken off my debit card, and they waited for days to do it. I'm tired of paying $25 a month on overdraft fees when my insurance is $46.

Dorothy

April 22, 2025

Verified Review

Price Increase

Been great up till now. They gave me a $700.00 price increase. I have had no accidents, no claims, no tickets, nothing. I do not think that was warranted.

Donald

April 21, 2025

Verified Review

Average

It's okay, but the costs are now too high.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

868

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.49

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+

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

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User Reviews	4.1 6,301 reviews
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.	$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

Show Details

Driver Reviews

4.1

Best choiceBased on 11,543 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 (6,301)

Calvin

April 24, 2025

Verified Review

GEICO is good

GEICO is good. I just wish the rates were better.

Aline

April 23, 2025

Verified Review

Unbelievable

They charged me for a second driver, but there wasn't any second driver. I provided them with proof, and they ignored my concerns.

Javier

April 23, 2025

Verified Review

Excellent

Cada vez le suben el pago. Si es así, trataré de buscar otra compañía.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

843

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.74

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++

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 $59 per month.

Here are the cheapest liability insurance companies in North Carolina for you to consider.

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 $92 per month for full-coverage car insurance, on average. Check out North Carolina’s cheapest full-coverage insurance companies below.

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 $92 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 22 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

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	$60	$84
Dairyland	$61	$85
Safeco	$62	$88
National General	$64	$89
Liberty Mutual	$66	$97
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 $96 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 22 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quotes With Clean Driving Record	Avg. Quotes With Accident
Nationwide	$42	$61
Erie	$42	$63
GEICO	$48	$69
Travelers	$53	$77
Allstate	$57	$82
Progressive	$58	$86
Direct Auto	$60	$89
Dairyland	$61	$88
Safeco	$62	$93
National General	$64	$91
Liberty Mutual	$66	$100
State Farm	$69	$99

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 $106 for liability coverage and $166 for full coverage.

The below rates are estimated rates current as of: Tuesday, April 22 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quotes With Clean Driving Record	Avg. Quotes With DWI
Nationwide	$42	$72
Erie	$42	$72
GEICO	$48	$82
Travelers	$53	$90
Allstate	$57	$97
Progressive	$58	$99
Direct Auto	$60	$102
Dairyland	$61	$104
Safeco	$62	$103
National General	$64	$109
Liberty Mutual	$66	$113
State Farm	$69	$118

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 $63 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 22 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quotes: Liability Only	Average Quotes: Full Coverage
Nationwide	$31	$47
Erie	$33	$49
GEICO	$38	$57
Travelers	$41	$62
Progressive	$41	$62
Allstate	$45	$69
Direct Auto	$46	$75
National General	$48	$76
Dairyland	$49	$136
State Farm	$53	$79
Safeco	$53	$98
Liberty Mutual	$54	$132

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 $105 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 22 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quotes: Liability Only	Average Quotes: Full Coverage
Erie	$75	$112
Nationwide	$78	$117
GEICO	$81	$122
Dairyland	$99	$277
Travelers	$100	$151
Progressive	$105	$160
Allstate	$108	$163
Direct Auto	$115	$186
Liberty Mutual	$116	$281
State Farm	$125	$187
Safeco	$125	$232
National General	$128	$199

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.

Find Car Insurance in North Carolina

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Based on 3,806+ reviews

4.8/5

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. 

North Carolina car insurance FAQs