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Cheap Car Insurance in North Carolina (With Quotes, September 2022)

Some of the cheapest car insurance providers in North Carolina are Progressive, Nationwide, and Liberty Mutual.

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Charlie Mitchell

By: Charlie Mitchell

Edited by Jackie Cohen | Reviewed by Licensed Insurance Agent at Insurify, Stephen DeFord

Updated July 5, 2022

Some of the cheapest car insurance providers in North Carolina are Progressive, Nationwide, and Liberty Mutual.

Car Insurance in North Carolina

North Carolina sees some of the cheapest car insurance in the country. Another reason to adore the Tar Heel State. Here’s your guide to finding yourself cheapest car insurance quotes that meet your coverage needs.

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Quick Facts

  • The average cost of car insurance in North Carolina is $131/mo.
  • Direct Auto is the cheapest provider in North Carolina, with average rates of $65/mo.
  • The easiest way to cut car insurance costs is to compare quotes online.

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Cheapest Car Insurance in North Carolina

How much is car insurance in North Carolina?

The average cost of car insurance in North Carolina is $131 per month. However, keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile.

First things first: who has the absolute cheapest North Carolina car insurance quotes? These insurance providers are bidding lowest. You can always adjust your rates by opting for a higher deductible, and by improving your credit score and keeping a clean driving record, you’ll always get the cheapest rates that an insurance company has to offer.

Car Insurance CompanyAverage Monthly Quote
Progressive$92
State Auto$110
National General$113
Dairyland$126
Nationwide$140
Travelers$143
Liberty Mutual$202
Direct Auto$65
Safeco$160
Midvale Home & Auto$111
Kemper Preferred$122
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Car Insurance Quotes

Cheapest Liability Auto Insurance in North Carolina

Liability insurance is cheap. It covers bodily injury liability in case you send someone to the hospital and property damage liability in the event that you damage someone’s car or other property in an at-fault accident. Keep in mind that minimum coverage does not help you pay for repairs for your car in a crash. For that, you’ll need full-coverage car insurance.

Car Insurance CompanyAverage Monthly Quote
Progressive$56
State Auto$61
Dairyland$72
National General$78
Travelers$84
Nationwide$120
Liberty Mutual$124
Midvale Home & Auto$56
Direct Auto$65
Kemper Preferred$69
Safeco$93
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Full-Coverage Auto Insurance in North Carolina

Full-coverage car insurance is a step above minimum coverage that also protects your car—and not just the other driver’s, as with liability coverage. Comprehensive coverage pays for damage to your car in the event of theft, vandalism, or weather events, and collision coverage is property damage liability for your car, regardless of fault or what you hit.

Car Insurance CompanyAverage Monthly Quote
Progressive$110
State Auto$122
National General$127
Nationwide$142
Travelers$154
Dairyland$186
Liberty Mutual$239
Direct Auto$65
Midvale Home & Auto$123
Kemper Preferred$126
Safeco$171
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Best Car Insurance in North Carolina

But when discussing your auto insurance options, the cheapest rates are only a part of the picture. The companies in this table are also rated on their financial stability and customer service, and that helps you better judge whether to make the commitment and buy an insurance policy. You have to balance the best car insurance companies with the cheapest quotes.

Car Insurance CompanyICSThe Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.Average Monthly Quote
Nationwide89$140
Safeco86$160
Liberty Mutual82$202
Travelers80$143
State Auto76$110
National General58$113
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Best Car Insurance Companies

Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.

North Carolina Car Insurance Rates by Driving and Accident History

Of all the factors that determine your car insurance rates, your driving record plays a critical role. High-risk drivers tend to have an at-fault accident, speeding ticket, DUI, or some other violation on their driving record that indicates that they’ll make a claim on their auto insurance policy in the future. On the other hand, good drivers tend to maintain clean driving records.

See More: High-Risk Car Insurance North Carolina

Cheap Car Insurance for Good Drivers in North Carolina

Auto insurance companies love good drivers who have a clean driving record over the past five years—no at-fault accidents, DUIs, speeding tickets, or other blemishes that can get you labeled a high-risk driver. Some of the best car insurance companies out there hand out their cheapest car insurance policies to good drivers. Check out these quotes:

Car Insurance CompanyAverage Monthly Quote
Progressive$90
National General$99
State Auto$110
Dairyland$123
Travelers$133
Nationwide$133
Liberty Mutual$185
Direct Auto$58
Midvale Home & Auto$99
Kemper Preferred$122
Safeco$145
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with DUI in North Carolina

In addition to being a serious legal charge, a DUI will also cause a significant increase in your insurance rates. But North Carolina has a handful of great insurance providers that will still offer you an affordable car insurance policy even with a DUI on your driving record. Here are a few:

Car Insurance CompanyAverage Monthly Quote
Progressive$115
Nationwide$121
Dairyland$127
National General$137
Liberty Mutual$201
Travelers$263
Safeco$329
Direct Auto$88
Kemper Preferred$111
Midvale Home & Auto$124
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

SR-22 Insurance in North Carolina

If you get a DUI or are charged with reckless driving or some serious violation, your car insurance rates will go up, but North Carolina doesn’t have any SR-22 insurance requirements. Still, you’ll be considered high-risk by car insurance companies. So use this list to get started finding affordable car insurance with a not-so-great driving record.

Cheap Car Insurance for Drivers with an At-Fault Accident in North Carolina

If you’ve recently been in an at-fault accident, insurance providers might charge you a bit extra for the same insurance policy. But the car insurance companies in this table have affordable car insurance for drivers with at-fault accidents, so start here when you begin your search.

Car Insurance CompanyAverage Monthly Quote
Progressive$93
State Auto$113
Dairyland$136
National General$138
Nationwide$153
Travelers$157
Liberty Mutual$256
Direct Auto$82
Kemper Preferred$121
Midvale Home & Auto$137
Safeco$186
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with Speeding Tickets in North Carolina

It stinks getting pulled over. Speeding tickets will inflate car insurance rates—but by how much is up to you. These insurance companies provide the most attractive quotes to North Carolina drivers with speeding tickets.

Car Insurance CompanyAverage Monthly Quote
Progressive$96
State Auto$99
Dairyland$136
National General$152
Nationwide$159
Travelers$170
Direct Auto$94
Kemper Preferred$124
Midvale Home & Auto$130
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

North Carolina Car Insurance Rates by Credit Tier

Having a good credit score is a great way to make sure you’re getting the cheapest rates on offer from a given car insurance company. Teen drivers can’t take advantage of their credit score for low rates until they are 18-year-olds, but it pays to start early.

Credit TierAverage Monthly Quote
Excellent$119
Good$127
Average$148
Poor$184
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

North Carolina Car Insurance Rates by Driver Age

It’s always nice to see average rates on auto insurance dip below $100 per month. And by their 70s, that’s exactly what North Carolina drivers can look forward to. Even though teen drivers pay high car insurance rates relative to the state average of North Carolina, teen drivers and young drivers in North Carolina have it easy compared to the national average.

Age GroupAverage Monthly Rate
Teenagers$224
Under 25$193
20s$164
30s$124
40s$133
50s$121
60s$101
70s$97
80+$92
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Car Insurance Rates in North Carolina Cities

North Carolina drivers pay different auto insurance rates depending on a variety of factors, but location can be very influential. The average cost of auto insurance in Charlotte is higher than anywhere else in the state because crowded highways and long commutes make car accidents more likely than in the backwoods.

CityAverage Monthly Quote
Charlotte$155
Raleigh$130
Greensboro$132
Fayetteville$167
Durham$129
Winston Salem$118
Wilmington$120
Gastonia$140
Concord$141
Jacksonville$151
Cary$113
High Point$126
Greenville$137
Asheville$104
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

North Carolina Driving Facts

Every state has minimum insurance requirements, and North Carolina is no exception. Additionally, all drivers in North Carolina will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in North Carolina.

Minimum Car Insurance Requirements in North Carolina

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 be 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[1] are:

  • $30,000 per person for bodily injury
  • $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. North Carolina is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $60,000 per accident for uninsured/underinsured motorist bodily injury
  • $25,000 per accident for uninsured/underinsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In North Carolina, drivers are required to cover bodily injury and property damage with this coverage.

North Carolina DMV Information

The North Carolina DMV is a critical resource for North Carolina drivers from the mountains to the coast. Register your car or transfer your title, get license plates, change your address, or apply for or renew your driver’s license. There are dozens of offices throughout the state, and lots of services are available online.

Public Transportation in North Carolina

North Carolina drivers don’t have to rely solely on their cars to get around. An intercity bus service supported by the state shuttles among different regions, including to South Carolina and Virginia. And 15 North Carolina cities have dedicated bus services within the city limits, with other county services providing rural transportation.

How to Get the Cheapest Car Insurance in North Carolina

When you’re shopping for North Carolina auto insurance, you’re in a good position to get a great deal. But why not gun for something even better? With a cheap car insurance policy, you can go beyond minimum coverage and get a serious auto insurance policy with the true protection and peace of mind you deserve.

But how? The key to getting the best rates is searching far and wide for the car insurance companies that match your driving history and the coverage options you are looking for. That’s why Insurify is so awesome. It gives you a fast, free, personalized list of auto insurance quotes from the best car insurance companies in North Carolina. What are you waiting for?

Frequently Asked Questions

  • Liability coverage is mandatory for North Carolina drivers. The state minimum is $30,000 for bodily injury liability coverage per person ($60,000 per accident) and $25,000 in property damage liability coverage. Underinsured/uninsured motorist coverage is also part of the minimum liability coverage requirements.

  • A cheap auto insurance policy is always attainable if you are ready to put in the work. First, let Insurify find you free quotes from all the best car insurance companies in the state, and then you can make your selection based on insurance premiums, customer satisfaction, and financial stability of the insurance company selling your auto insurance policy.

  • North Carolina car insurance costs $131 per month on average. That’s significantly cheaper than the national average. To make sure you get an insurance policy with even cheaper rates, compare auto insurance quotes from as many companies as you can.

  • Raleigh, Charlotte, and other big cities in North Carolina are expensive places to have an auto insurance policy because accidents are more common. The value of your motor vehicle, your credit score, coverage limits, and whether you are shopping for the state minimum liability insurance or a full-coverage car insurance policy will all determine your auto insurance rates.

  • Personal injury protection (PIP) coverage is not required by North Carolina insurance law as part of minimum coverage. But underinsured/uninsured motorist coverage, bodily injury liability, and property damage liability are all mandatory in North Carolina.

Insurify Insights

How North Carolina Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in North Carolina below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how North Carolina drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Accord

Most Popular Car in North Carolina

#20

State with the Most Speeding Tickets Rank

#16

State with the Moving Violations Rank

#29

State with the Most DUIs Rank

#17

State with the most Suspended Licenses

  • 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. North Carolina is the #8 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #8
    • Percent of drivers in North Carolina with an accident: 10.1%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. North Carolina is the #29 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #29
    • Percent of drivers in North Carolina with a DUI: 1.3%
  • 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. North Carolina is the #32 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #32
    • Percent of drivers in North Carolina with a reckless driving offense: 1.1%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. North Carolina is the #31 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #31
    • Percent of drivers in North Carolina with a rude driving violation: 1.3%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. North Carolina is the #20 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #20
    • Percent of drivers in North Carolina with a speeding ticket: 9.4%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. North Carolina is the #13 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #13
    • Percent of drivers in North Carolina with a failure to yield violation: 0.2%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Charlie Mitchell
Charlie Mitchell
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Insurance Writer

Charlie Mitchell is a journalist, researcher, and writer specializing in personal finance subjects. He holds a degree from Middlebury College. His work can be found in Vox, Mother Jones, The New Republic, and other publications. Charlie uses his expertise in home, renters, and auto insurance subjects to help inform people to make better financial decisions. Connect with Charlie on LinkedIn.

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Sources

  1. North Carolina Department of Transportation. "State Minimum Car Insurance Requirements." Accessed May 28, 2022