Cheapest Auto Insurance in North Carolina (2024)

The cheapest car insurance company in North Carolina is Midvale Home & Auto, which has rates of $34 per month.

Jamie Johnson
Written byJamie Johnson
Jamie Johnson
Jamie Johnson
  • 6 years experience in personal finance writing

  • Featured on Credit Karma and Insider

Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.

Featured in

media logomedia logomedia logo
Courtney Mikulski
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.

Featured in

media logomedia logo
Austin Moyers
Reviewed byAustin Moyers
Austin Moyers
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.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Updated June 12, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates in North Carolina

Recent North Carolina car insurance prices for Acura, Toyota, Dodge , and more.

*Quotes generated for Insurify users from North Carolina within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from North Carolina within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average cost of car insurance in North Carolina is $80 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 $56 for a liability-only insurance policy and $105 for full coverage. 

  • Midvale Home & Auto is the cheapest option for liability-only coverage, and Nationwide 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 CompanyIQ 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 CoverageLiability OnlyBest for
Midvale Home & Auto3.7$69$34Customizable coverage
Erie4.6$63$41Full coverage
GEICO4.4$72$46Good 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.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. 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.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for customizable coverage: Midvale 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.
4.0
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.
$34/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.
$69/mo

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
  • Gap insurance and roadside assistance available

  • Plenty of discounts

Cons
  • Quotes not available online

  • No mobile app

Best insurer for full coverage: Erie

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.
4.6
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.
$41/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.
$63/mo

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
  • 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

Read our Erie Insurance review
George - June 6, 2024
Verified

Poor

I love you all, but I don't understand why my insurance went up.

Teresa - June 3, 2024
Verified

It's fine. I haven't had to use it, thank goodness, so I really can't give a real review. Have a great day.

It's fine. I haven't had to use it, thank goodness, so I really can't give a real review. Have a great day.

Niomi - June 3, 2024
Verified

Shank and Miles

I had them for years with no complaints. Then, all of a sudden, with no warning, my rate goes up by $50 a month. Nobody has an explanation, nor was I notified. I haven't had tickets in over a decade and I have a new car with all the safety bells and whistles. So, why is it so much?

Best insurer for good drivers: GEICO

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.
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.
$72/mo

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
  • Plenty of discounts

  • Accident forgiveness available

Cons
  • Below-average J.D. Power customer satisfaction rating in the Southeast region

  • Gap insurance not available

Read our GEICO review
Jacqueline - June 11, 2024
Verified

Horrible

I am very upset that my policy increased from 242 to 329. I am 62 years old and I believe I should not be paying that much for a car that will be paid off next month.

Frank - June 11, 2024
Verified

Geico is My Winner

So far, Geico has offered the best price for insurance.

Addis - June 11, 2024
Verified

High Premium

High premium.

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 $34 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $34 per month.

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

10 cheapest insurers for liability-only

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.

Cheapest full coverage car insurance in North Carolina: Nationwide

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.

Nationwide 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.

10 cheapest insurers for full coverage

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.

Recent Insurify quotes for North Carolina drivers

Drivers in and around North Carolina have found policies from Direct Auto, Dairyland, State Auto, and more, through Insurify in the last few days.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays to repair or replace your vehicle after you hit a stationary object or another vehicle.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for car repairs after a non-collision event, like weather damage, theft, vandalism, falling objects, and more.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage pays for necessary medical or funeral expenses from a car accident, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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 $55 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance CompanyClean Driving RecordWith Speeding Ticket
Midvale Home & Auto3447
Nationwide4156
Erie4156
State Auto4261
GEICO4662
Liberty Mutual4973
Travelers5169
Safeco5271
Direct Auto5372
Dairyland5473
Allstate5574
Progressive5777
National General6586
State Farm6790
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.

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: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance CompanyClean Driving RecordWith Accident
Midvale Home & Auto3451
Nationwide4159
Erie4159
State Auto4266
GEICO4666
Liberty Mutual4976
Travelers5173
Safeco5272
Direct Auto5377
Dairyland5477
Allstate5578
Progressive5782
National General6593
State Farm6795
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.

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: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance CompanyClean Driving RecordWith DUI
Midvale Home & Auto3459
Nationwide4172
Erie4172
State Auto4273
GEICO4680
Liberty Mutual4986
Travelers5189
Safeco5291
Direct Auto5393
Dairyland5494
Allstate5596
Progressive57100
National General65114
State Farm67117
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.

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 $66 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: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance CompanyLiability OnlyFull Coverage
Midvale Home & Auto2653
Erie3047
Nationwide3147
State Auto3270
GEICO3757
Liberty Mutual39132
Travelers4062
Direct Auto4183
Progressive4162
Safeco4277
Dairyland43202
Allstate4469
National General5296
State Farm5280
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.

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: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Insurance CompanyLiability OnlyFull Coverage
Midvale Home & Auto55112
Erie6599
Nationwide66101
GEICO67105
State Auto70151
Dairyland85395
Liberty Mutual85290
Travelers86134
Allstate90141
Direct Auto91185
Progressive97148
Safeco103187
State Farm106163
National General115213
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.

Find Car Insurance in North Carolina

Get personalized quotes from the best car insurance companies in minutes

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $56 per month for a liability-only insurance policy and $105 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 $34, $41, and $41 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 $65 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

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.

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.

Sources

  1. North Carolina Department of Motor Vehicles. "Insurance Requirements."
  2. North Carolina Department of Insurance. "A Consumer's Guide to Automobile Insurance."
  3. North Carolina Department of Public Safety. "Driving and Alcohol."
  4. III. "Senior driving safety and insurance tips."
  5. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  6. North Carolina Department of Insurance. "A Consumers Guide to Insurance Companies' Use of Credit Information."
Jamie Johnson
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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
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.

Featured in

media logomedia logo
Austin Moyers
Reviewed byAustin MoyersAssistant Manager
Austin Moyers
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.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all