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.

Companies Quotes


$33 /mo


$35 /mo
State Farm

State Farm

$44 /mo


$52 /mo


$62 /mo

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.

Companies Insurify
Composite Score

American Family

$109 /mo


$52 /mo


$33 /mo


$80 /mo

State Farm

$44 /mo


$62 /mo


$35 /mo

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.

North Carolina Driving Facts

North Carolina's minimum liability car insurance limits are as follows:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

States with Most
DUIs Rank
moving violations
States with Most
Moving Violations Rank
popular car
Most Popular Car
Honda Accord
speeding violations
States with Most
Speeding Tickets Rank
suspended licenses
States with Most
Suspended Licenses Rank

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.

green city award


most patriotic
% of Hybrids/Electrics 3%

Most Patriotic City


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 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