The average cost of car insurance in North Carolina is $92 per month, which is less than the national average. 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, credit score, and driving history. If you’re shopping around for cheap insurance in North Carolina, you should get quotes and compare options from several companies.

Quick Facts

North Carolina drivers pay an average monthly cost of $54 for a liability-only insurance policy and $130 for full coverage.
Midvale Home & Auto is the cheapest option for liability-only coverage, and Erie is the least expensive for a full-coverage policy.
North Carolina uses a points-based system to encourage safe driving habits.

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 best cheap 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-five scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best for
Midvale Home & Auto	3.4	$68	$35	Customizable coverage
Erie	4.4	$58	$40	Full coverage
GEICO	4.2	$66	$46	Good drivers

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.

Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for customizable coverage: Midvale Home & Auto

Customizable CoverageMidvale Home & Auto

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	3.2
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
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.	$35/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.	$68/mo

Overview

Midvale Home & Auto is owned by American Family Insurance and offers home and auto insurance. In addition to offering liability, comprehensive, and collision insurance, Midvale offers additional coverages like gap insurance, roadside assistance, and rental car reimbursement.

Midvale’s discounts are pretty standard compared to what other insurers offer. You could receive a discount for bundling your auto and homeowners insurance, paying your policy in full, or insuring multiple vehicles.

Pros and cons

Pros

Gap insurance and roadside assistance available
Plenty of discounts

Cons

Quotes not available online
No mobile app

Best insurer for full coverage: Erie

Full CoverageErie Insurance

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.4
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	868
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.	$40/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.	$58/mo

Overview

When you buy full coverage 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 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 and cons

Pros

High J.D. Power customer satisfaction rating in the Southeast region
Erie Rate Lock protects against rate increases

Cons

Can’t get a quote online
Online claims filing not available

Reviews

Over the years, they have always gone over and above what I would have expected. They are fair and prompt in customer service issues. They have always tailored my policy to meet my needs at a very fair price.

linda - August 9, 2023

Verified

I have been with Erie for 73 years. No problems!.

William - July 17, 2023

Verified

My agent was always there for me.

Dinah - December 4, 2022

Verified

Read our Erie Insurance review

Best insurer for good drivers: GEICO

Good DriversGEICO

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.3
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	843
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.	$46/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.	$66/mo

Overview

GEICO offers 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 in your state.

Pros and cons

Pros

Plenty of discounts
Accident forgiveness available

Cons

Below-average J.D. Power customer satisfaction rating in the Southeast region
Gap insurance not available

Reviews

Unwilling to work with clients. Especially senior citizens on a fixed income.

Janina - September 10, 2023

Verified

Awesome customer service, good prices, easy to deal with.

Kathleen - September 9, 2023

Verified

Good treatment in responding to questions and handling of my accident, especially because I was not at fault. No hesitation in paying the repair bill and then collecting from the at-fault insurance company client's policy.

James - September 7, 2023

Verified

Read our GEICO review

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 money you’ll pay for car insurance premiums. However, make sure you can afford to pay the deductible if you have to file a claim.
Improve your credit score. Drivers with good credit tend to pay cheaper car insurance rates. You can raise your credit score 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.

Find Cheap Car Insurance in North Carolina

Liability rates start at $35 per month

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Based on 3,806+ reviews

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Cheapest liability-only car insurance in North Carolina: Midvale Home & Auto

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.

Midvale Home & Auto is the cheapest insurer for a liability-only policy in North Carolina, with rates of $35 per month.

Here are other cheap liability insurance companies in North Carolina for you to consider.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

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 Monthly Quote
Midvale Home & Auto	35
Nationwide	40
Erie	40
Liberty Mutual	45
GEICO	46
Safeco	48
State Auto	50
Direct Auto	51
Travelers	51
Dairyland	52
Allstate	55
Progressive	56
State Farm	66
National General	71

Cheapest full coverage car insurance in North Carolina: Erie

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.

Erie is the cheapest insurer for full-coverage car insurance in North Carolina, but you can use the table below to find other cheap insurers in the state.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

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 Monthly Quote
Erie	58
Direct Auto	63
Nationwide	66
GEICO	66
Midvale Home & Auto	68
Travelers	74
Allstate	78
Progressive	80
State Farm	94
State Auto	95
Safeco	97
Liberty Mutual	107
National General	156
Dairyland	263

Estimate your North Carolina car insurance costs

State

Age

Credit Score

Are you insured

Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

I’m a good driver

Save 31%

I’m a homeowner

Save 8%

I’m married

Save 23%

I have multiple cars

Save 39%

Car insurance requirements in North Carolina

Most states require that drivers carry minimum liability insurance, including North Carolina. Driving without insurance can result in penalties, fees, and losing your license.

Here are the minimum coverage requirements for North Carolina drivers:^[1]

Coverage	Minimum Requirements
Bodily injury liability	$30,000 per person
Bodily injury liability	$60,000 per accident
Property damage liability	$25,000 per accident

However, 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 a stationary object or another vehicle.
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 for drivers with an incident

A driving incident includes at-fault accidents, speeding tickets, driving under the influence (DUI) 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 $49 for drivers with an incident

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Based on 3,806+ reviews

4.8/5

Cheapest car insurance for drivers with a speeding ticket: Midvale Home & Auto

In North Carolina, receiving one speeding ticket could cause your insurance premiums to increase by 30%. However, the exact increase will vary depending on how much you exceed the posted speed limit.^[2]

The cheapest insurer for drivers with a speeding ticket in North Carolina is Midvale Home & Auto, but the table below shows other cheap options for you to consider.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

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	Clean Driving Record	With Speeding Ticket
Midvale Home & Auto	32	52
Nationwide	37	59
Erie	37	59
Liberty Mutual	42	67
GEICO	43	68
Safeco	44	71
State Auto	46	74
Direct Auto	47	76
Travelers	47	76
Dairyland	48	77
Allstate	51	82
Progressive	52	83
State Farm	61	98
National General	66	105

Cheapest car insurance for drivers with an at-fault accident: Midvale Home & Auto

Drivers with a history of at-fault accidents can expect to see their rates 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.^[2]

The cheapest insurer for drivers with an at-fault accident in North Carolina is Midvale Home & Auto.

The table below shows the most affordable car insurance companies with at-fault accidents.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

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	Clean Driving Record	With Accident
Midvale Home & Auto	32	51
Nationwide	37	58
Erie	37	58
Liberty Mutual	42	66
GEICO	43	67
Safeco	44	70
State Auto	46	73
Direct Auto	47	75
Travelers	47	75
Dairyland	48	76
Allstate	51	80
Progressive	52	82
State Farm	61	97
National General	66	104

Cheapest car insurance for drivers with a DUI: Midvale Home & Auto

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 DUI, your insurance premiums could increase by as much as 340%.^[2] The cheapest insurer for drivers with a DUI in North Carolina is Midvale Home & Auto, but check out the table below for other cheap options.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

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	Clean Driving Record	With DUI
Midvale Home & Auto	32	55
Nationwide	37	63
Erie	37	63
Liberty Mutual	42	71
GEICO	43	72
Safeco	44	75
State Auto	46	78
Direct Auto	47	80
Travelers	47	80
Dairyland	48	82
Allstate	51	86
Progressive	52	88
State Farm	61	104
National General	66	111

Cheapest car insurance for seniors: Midvale Home & Auto

Auto insurance rates decrease around age 35 but increase again at age 70 when health-related issues can affect driving abilities.^[4] Senior drivers can save money by increasing their deductible, taking an approved defensive driving course, or looking for insurers with low-mileage discounts.

Senior drivers pay an average of $76 per month for car insurance in North Carolina, but the cheapest insurer is Midvale Home & Auto.

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, November 7 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

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	Liability Only	Full Coverage
Midvale Home & Auto	29	56
Nationwide	33	55
Erie	33	48
Liberty Mutual	37	89
GEICO	38	55
Safeco	40	80
State Auto	41	79
Direct Auto	42	52
Travelers	42	61
Dairyland	43	218
Allstate	46	65
Progressive	46	66
State Farm	55	78
National General	59	129

Cheapest car insurance for teens: Midvale Home & Auto

Teen drivers tend to 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]

The cheapest insurer for teen drivers in North Carolina is Midvale Home & Auto. Here’s what teen drivers can expect to pay for liability-only and full-coverage insurance in North Carolina.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

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	Liability Only	Full Coverage
Midvale Home & Auto	55	107
Nationwide	63	104
Erie	63	91
Liberty Mutual	71	168
GEICO	72	104
Safeco	75	152
State Auto	78	149
Direct Auto	80	99
Travelers	80	116
Dairyland	82	413
Allstate	86	122
Progressive	88	126
State Farm	104	148
National General	111	245

Find Car Insurance in North Carolina

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North Carolina car insurance quotes by credit tier

North Carolina allows insurers to consider credit scores 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 scores pay less, on average, for insurance than drivers with poor credit scores.

Rates 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.

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 $54 per month for a liability-only insurance policy and $130 per month for full coverage.
Which company has the cheapest car insurance in North Carolina?
Midvale Home & Auto, Nationwide, and Erie are the cheapest liability-only car insurance companies in North Carolina, with rates of $35, $40, and $40 per month, respectively.
What are the best car insurance companies in North Carolina?
Some of the best car insurance companies in North Carolina that Insurify identified are Midvale Home & Auto, GEICO, and Erie. These insurance companies have good Insurify Quality (IQ) Scores, low average rates for drivers, and a good selection of discounts and coverages.
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 Midvale Home & Auto. This insurance company has liability insurance rates as low as $55 per month.

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 Accord

#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.

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

Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:

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.

More cities in North Carolina

More states

Sources

North Carolina Department of Motor Vehicles. "Insurance Requirements." Accessed October 31, 2023
North Carolina Department of Insurance. "A Consumer's Guide to Automobile Insurance." Accessed October 31, 2023
North Carolina Department of Public Safety. "Driving and Alcohol." Accessed October 31, 2023
III. "Senior driving safety and insurance tips." Accessed October 31, 2023
Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts." Accessed October 31, 2023
North Carolina Department of Insurance. "A Consumers Guide to Insurance Companies' Use of Credit Information." Accessed October 31, 2023

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.

Learn More

Edited byCourtney MikulskiSenior Editor, Auto

Courtney MikulskiSenior Editor, Auto

3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Read Editorial Guidelines

View Full Bio

Featured in

Reviewed byAustin MoyersAssistant Manager

Austin MoyersAssistant Manager

Home and auto insurance agent
10+ years in the insurance and financial services industry

Austin is an assistant manager and former agent with a decade of experience in the property and casualty insurance space. He previously worked with Answer Financial.

Read Editorial Guidelines

View Full Bio

Data reviewed byKonstantin HalachevVice President of Engineering

Konstantin HalachevVice President of Engineering

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

Save up to $717 by comparing quotes from the top 70+ insurance companies

Table of contents

Table of contentsCompare quotes

Cheapest car insurance companies in North Carolina

Best insurer for customizable coverage: Midvale Home & Auto

Customizable CoverageMidvale Home & Auto

Best insurer for full coverage: Erie

Full CoverageErie Insurance

Best insurer for good drivers: GEICO

Good DriversGEICO

How to get the cheapest car insurance in North Carolina

Find Cheap Car Insurance in North Carolina

Cheapest liability-only car insurance in North Carolina: Midvale Home & Auto

Cheapest full coverage car insurance in North Carolina: Erie

Estimate your North Carolina car insurance costs

Select discounts that apply to you

Age

Credit Score

Are you insured

Your estimated deal

Select discounts that apply to you

Car insurance requirements in North Carolina

Collision coverage

Comprehensive coverage

Medical payments coverage

Uninsured/underinsured motorist coverage

North Carolina’s Safe Driver Incentive Plan

Cheapest car insurance for drivers with an incident

Shop for Car Insurance in North Carolina

Cheapest car insurance for drivers with a speeding ticket: Midvale Home & Auto

Cheapest car insurance for drivers with an at-fault accident: Midvale Home & Auto

Cheapest car insurance for drivers with a DUI: Midvale Home & Auto

Cheapest car insurance for seniors: Midvale Home & Auto

Cheapest car insurance for teens: Midvale Home & Auto

Find Car Insurance in North Carolina

North Carolina car insurance quotes by credit tier

Rates by Credit Tier

North Carolina car insurance FAQs

Insurify Insights

How North Carolina Drivers Measure Up

Honda Accord

#20

#16

#29

#17

Methodology

Related articles

More cities in North Carolina

More states

Sources

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