Cheap Auto Insurance Quotes in North Carolina (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Overpaying for car insurance in North Carolina?

There’s so much to explore in the Palmetto State: historic cities, pristine shoreline, subtropical climate, and marshlike beaches. A wonderful road trip awaits. With over 40,000 miles of roadways throughout the state, it’s essential that every driver in South Carolina has the right policy that best fits their own lifestyle and habits. But, where does one begin when it comes to shopping for the right car insurance? It seems as though every company claim to have the lowest rates, best customer service, or most comprehensive coverage, but what’s the right choice for you.

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.

CityCheapest CarrierQuote
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

North Carolina Driving Facts

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
north-carolina

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 CompanyQuote
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 CompanyQuote
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 CompanyQuote
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 CompanyQuote
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 CompanyQuote
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.

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.

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

Apex

Greenes Cities
% of Hybrids / Electrics
2%
Most Patriotic City

Most Patriotic City

Fayetteville

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

#18Ranked

11%Structurally Deficient
Rural Bridges

#8Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#19Ranked


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.