Cheapest Auto Insurance in North Carolina (2024)

The cheapest car insurance company in North Carolina is Midvale Home & Auto, which has rates of $36 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.

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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.

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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 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.

Updated March 1, 2024 at 11:00 AM PST

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The average cost of car insurance in North Carolina is $83 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 $110 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 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 & Auto3.5$70$36Customizable coverage
Erie4.4$59$40Full coverage
GEICO4.2$68$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.
  • 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

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.
$36/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.
$70/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.
4.4
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.
$59/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

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

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.
$68/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

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 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 $36 per month

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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 $36 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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Monthly Quote
Midvale Home & Auto36
Erie40
Nationwide40
GEICO46
Liberty Mutual46
State Auto48
Safeco49
Travelers51
Direct Auto52
Dairyland52
Allstate55
Progressive56
State Farm66
National General67
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 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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Monthly Quote
Erie59
Nationwide65
GEICO68
Midvale Home & Auto70
Travelers74
Allstate81
Progressive83
State Auto93
Safeco94
Direct Auto95
State Farm97
Liberty Mutual115
National General127
Dairyland322
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.

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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

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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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyClean Driving RecordWith Speeding Ticket
Erie4057
Nationwide4053
GEICO4661
Liberty Mutual4665
State Auto4866
Safeco4969
Travelers5168
Direct Auto5271
Dairyland5271
Allstate5572
Progressive5677
State Farm6686
National General6789
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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyClean Driving RecordWith Accident
Erie4059
Nationwide4056
GEICO4664
Liberty Mutual4668
State Auto4872
Safeco4974
Travelers5171
Direct Auto5275
Dairyland5273
Allstate5576
Progressive5681
State Farm6690
National General6794
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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyClean Driving RecordWith DUI
Erie4059
Nationwide4065
GEICO4675
Liberty Mutual4675
State Auto4879
Safeco4980
Travelers5183
Direct Auto5285
Dairyland5285
Allstate5590
Progressive5692
State Farm66108
National General67110
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 $70 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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyLiability OnlyFull Coverage
Erie3145
Nationwide3150
GEICO3755
Liberty Mutual3895
Direct Auto4175
Travelers4159
Progressive4161
Safeco4281
Dairyland43265
Allstate4566
State Farm5276
National General56107
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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyLiability OnlyFull Coverage
Nationwide64104
GEICO67100
Erie69101
Liberty Mutual73183
Dairyland79486
State Auto81156
Safeco82158
Travelers86125
Direct Auto89163
Allstate90133
Progressive94139
State Farm106155
National General120228
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

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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 $56 per month for a liability-only insurance policy and $110 per month for full coverage.

  • Which company has the cheapest car insurance in North Carolina?

    Midvale Home & Auto, Erie, and Nationwide are the cheapest liability-only car insurance companies in North Carolina, with rates of $36, $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 $64 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." Accessed October 31, 2023
  2. North Carolina Department of Insurance. "A Consumer's Guide to Automobile Insurance." Accessed October 31, 2023
  3. North Carolina Department of Public Safety. "Driving and Alcohol." Accessed October 31, 2023
  4. III. "Senior driving safety and insurance tips." Accessed October 31, 2023
  5. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts." Accessed October 31, 2023
  6. North Carolina Department of Insurance. "A Consumers Guide to Insurance Companies' Use of Credit Information." Accessed October 31, 2023
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.

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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 HalachevVice President of Engineering
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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.

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