Cheap Auto Insurance Quotes in North Carolina (2021)

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Overpaying for car insurance in North Carolina?

Cheapest Car Insurance in North Carolina

Here are the cheapest carriers in North Carolina for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in North Carolina.

Best Car Insurance in North Carolina

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in North Carolina. For the complete list, see Insurify's best car insurance companies.

Car Insurance in North Carolina

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in North Carolina to find you the cheapest quotes in each of these metropolitan areas.

Charlotte, North Carolina's most populous city, melds dazzling cityscapes with scenic drives amongst the mountains.

Quotes by Top Carriers
Quotes ($/mo)
$50
$57
$73
$114
$132
$148
ProgressiveGEICOTravelersNationwideState FarmAmerican Family
Monthly $
CityCheapest Carrier
ProgressiveProgressive
$50/mo
GEICOGEICO
$56/mo
AllstateAllstate
$48/mo
State FarmState Farm
$44/mo
ProgressiveProgressive
$40/mo
ProgressiveProgressive
$59/mo
ProgressiveProgressive
$38/mo
ProgressiveProgressive
$50/mo
ProgressiveProgressive
$52/mo
AllstateAllstate
$45/mo
AllstateAllstate
$33/mo
AllstateAllstate
$47/mo
AllstateAllstate
$53/mo
ProgressiveProgressive
$51/mo
AllstateAllstate
$34/mo
AllstateAllstate
$40/mo
ProgressiveProgressive
$38/mo
AllstateAllstate
$42/mo
AllstateAllstate
$49/mo
AllstateAllstate
$47/mo
Midvale Home & AutoMidvale Home & Auto
$92/mo
National GeneralNational General
$117/mo

Cheapest Liability Auto Insurance in North Carolina

For drivers in North Carolina, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in North Carolina. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in North Carolina.

Cheapest Full Coverage Auto Insurance in North Carolina

For drivers in North Carolina, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in North Carolina. The following are the best insurance rates from carriers that offer full coverage auto insurance in North Carolina.

North Carolina Driving Facts

north-carolina

Minimum Car Insurance Requirements in NC

All motor vehicles operated or parked on North Carolina roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in North Carolina are as follows:

  • $30,000 per person / $60,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by North Carolina state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by North Carolina law.

  • $25,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of North Carolina is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured or underinsured motorist coverage is legally required in North Carolina to cover damages and lost wages to drivers and passengers involved in an accident with an uninsured/underinsured at-fault driver.

  • $30,000 per person / $60,000 per accident for Bodily Injury Coverage if injured by an uninsured/underinsured driver
  • $25,000 for Property Damage caused by an uninsured/underinsured driver

Cheapest Car Insurance Quotes in North Carolina by Profile

Here are the cheapest insurance companies in North Carolina based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For North Carolina drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Allstate offers the best options for good drivers in North Carolina, at $33 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance Company
Allstate
$33/mo
Progresive
$35/mo
State Farm
$44/mo
GEICO
$52/mo
Travelers
$62/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance Company
Titan
$18/mo
GMAC
$61/mo
North Carolina Farm Bureau
$189/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance Company
Progresive
$49/mo
Farm Bureau Financial
$54/mo
Titan
$59/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance Company
North Carolina Farm Bureau
$43/mo
Progresive
$49/mo
Titan
$49/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of North Carolina, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. Progresive offers the cheapest car insurance rates for young drivers, averaging $26 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, North Carolina 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young North Carolinians lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance Company
Progresive
$26/mo
Utica
$28/mo
North Carolina Farm Bureau
$29/mo
Erie
$34/mo
GEICO
$36/mo

SR‌-22 Insurance in North Carolina

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of North Carolina on your behalf.

NC DMV Information

With a population nearing 11 million, it’s no wonder the North Carolina Department of Motor Vehicles has many outposts across the state. 

At the DMV, North Carolina residents can access services like driver’s license and identification card registration and renewal, vehicle registration, and license plate pick-up, as well as insurance information and services provided by the North Carolina Department of Insurance.

Every office is open weekdays from 7 AM to 5 PM, with some locations offering additional early-morning and weekend hours. The DMV is notorious for long lines and wait times, but some services are available online and via U.S. Mail for convenience. For the shortest wait times, avoid planning your visit on Mondays and Fridays or during lunch hours, and make an appointment ahead of time by calling 919-715-7000.

Insurify Insights: How North Carolina Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how North Carolina drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents North Carolina

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Among all fifty states, North Carolina drivers rank 11 in the number of car accidents per driver.

  • Rank of States: #11
  • Percent of drivers in North Carolina with an accident: 11.43%
  • Drivers in NC with an accident in their driving history paid on average 23.68% more than drivers with a clean record

Speeding North Carolina

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. North Carolina drivers rank 27 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #27
  • Percent of drivers in North Carolina with a speeding ticket: 10.25%
  • Drivers in NC with a speeding ticket in their driving history paid on average 32.46% more than drivers with a clean record

DUI/DWIs North Carolina

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. North Carolina drivers rank 28 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #28
  • Percent of drivers in North Carolina with a DUI: 1.86%
  • Drivers in NC with a DUI in their driving history paid on average 42.11% more than drivers with a clean record

Most Popular Vehicle North Carolina

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in North Carolina is the Honda Accord.

Rude North Carolina

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, North Carolina drivers rank 17 in rude driving infractions.

  • Rank of States: #17
  • Percent of drivers in North Carolina with a reckless driving violation: 1.69%
  • Drivers in NC with a reckless driving violation in their driving history paid on average 36.84% more than drivers with a clean record.

Safest Drivers North Carolina

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; North Carolina drivers rank 30 in clean driving records across all fifty states.

  • Rank of States: #30
  • Percent of drivers in North Carolina with clean record: 79.33%

Street Racing North Carolina

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, North Carolina drivers rank 27 in street racing violations per driver.

  • Rank of States: #27
  • Percent of drivers in North Carolina with a street racing violation: --%

Failure to Yield the Right of Way North Carolina

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. North Carolina drivers rank 27 in failure to yield violations per driver across all fifty states.

  • Rank of States: #27
  • Percent of drivers in North Carolina with a failure to yield violation: 0.38%
  • Drivers in NC with a failure to yield violation in their driving history paid on average 28.95% more than drivers with a clean record

Reckless Drivers North Carolina

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all fifty states, North Carolina drivers rank 11 in the number of reckless driving offenses per driver.

  • Rank of States: #11
  • Percent of drivers in North Carolina with a reckless driving offense: 0.2%

Hybrid/Electric Vehicle Ownership North Carolina

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. North Carolina drivers rank 23 in hybrid and electric vehicle ownership across all fifty states.

  • Rank of States: #23
  • Percent of drivers in North Carolina with a hybrid/electric vehicle: 0.89%

Greenest Cities in North Carolina

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of North Carolina offers many green driver incentives, including federal tax credits, rebates, and discounts through some car insurance carriers.

Greenes Cities

Wake Forest

Greenes Cities
% of Hybrids / Electrics
3%
Most Patriotic City

Most Patriotic City

Jacksonville

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Jacksonville won Insurify's Most Patriotic Cities Award for the state of North Carolina. The city is home to Marine Corps Base Camp Lejeune, and Jacksonville's main migration draw is still U.S. Marine Corps families.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in North Carolina is vital for all car insurance shoppers hitting the road in The Tar Heel State.

road with cars illustration

Road Rankings

10%Rural Roads in
Poor Condition

#18
Ranked

11%Structurally Deficient
Rural Bridges

#8
Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#19
Ranked


FAQs - North Carolina Car Insurance

Do I need non-owner insurance in North Carolina?

Non-owner auto insurance provides coverage to people driving cars registered to someone else. If you don't own your own car and are borrowing someone else's vehicle, non-owners insurance provides liability coverage for property damage and injuries. Non-owners insurance does not, however, cover damage to a car you've borrowed or injuries sustained in an accident. You may need non-owner car insurance if you need an SR-22 form filed on your behalf, if you need car insurance to get a driver's license, if you use car-sharing services or rent frequently, want to maintain continuous auto insurance coverage (which may save you money in the long-run), or if you borrow cars frequently.

How do I get roadside assistance in North Carolina?

The North Carolina Department of Transportation provides free roadway assistance to stranded motorists through the NCDOT State Farm Safety Patrol, regardless of a driver's insurance provider. AAA also has regional clubs throughout North Carolina and can provide both roadside assistance and auto insurance coverage to NC drivers.

What provider has the cheapest car insurance in North Carolina?

The best way to get the cheapest car insurance in North Carolina and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.