Best Car Insurance in North Carolina (2025)
Farmers, Allstate, and GEICO stand out as top car insurance options in North Carolina.
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Written byJacqueline DeMarco
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13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Edited byChris Schafer
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15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Table of contents
Table of contents
Shopping for the right car insurance policy can be challenging since it takes time and energy to find the right insurer to fit your unique needs. To help narrow down your search, Insurify analyzed 50 car insurance companies to determine the best car insurance companies in North Carolina.
Best car insurance companies in North Carolina
There’s no single best car insurance company for North Carolina drivers to consider, but here are some top contenders in the state that you can start your search with.
Farmers: Best overall
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| 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. | $110/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. | $215/mo |
3.8
A solid optionBased on 2,253 verified guest reviews and ratings
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
Reviews (1,190)
Michael
Verified Review
The horrors of an SR-22 receiving penalty, with a happy ending.
Reviewed in Colorado on September 2025
Yet, with Mr. DeZuba's help, I was able to not only get some insurance SR-22 coverage but also felt good about doing it. He worked hard to get me a great quote and informed me of several next steps, which for a German like me is what we always need. That ability is what we Germans strive for, and when it happens, it turns into such a speedy activity. I was in and out with coverage quickly.
Cheryl
Verified Review
I want to reevaluate my policy needs since I retired
Reviewed in Tennessee on August 2025
I got their policy because they had the best price. But I’ve tried to talk to them to reevaluate my policy needs since I retired. I haven’t had a conversation with them yet. I know I can get a better price somewhere else.
Johanna
Verified Review
Don't go there
Reviewed in Texas on August 2025
My agent is totally uninvolved. He lacks communication skills. My home insurance is increasing by $300 a month in October, and he has no suggestions to help us.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
676NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28A.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).
AWhy we picked this company
Farmers makes it easy to save on your car insurance premiums by providing bundling opportunities and multiple discounts, including rewards for loyalty, responsible payment history, and good student status. Its mobile app allows you to track your driving habits, potentially leading to additional savings.
Pros
Telematics program for monitoring driving behavior
Many available discounts
Strong J.D. Power customer satisfaction rating in the Southeast region[1]
Cons
Coverage not available in all states
Not accredited by the Better Business Bureau (BBB)
Limited customer service availability
Allstate: Best for rideshare coverage
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| 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. | $84/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. | $111/mo |
3.9
A solid optionBased on 7,025 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,707)
Scott
Verified Review
Allstate review
Reviewed in Ohio on August 2025
Good policy premium pricing
Teresa
Verified Review
Rip off
Reviewed in Tennessee on August 2025
Priced fairly high to start, but the rates have kept going up with no added bonuses.
Michael
Verified Review
Top Rate
Reviewed in Texas on August 2025
Rates are too high, but they pay off quickly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
634NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.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-Why we picked this company
If you drive for rideshare services, having insurance that covers work-related risks is essential. Not all insurance companies offer rideshare coverage, but Allstate’s Ride for Hire plan ensures financial protection while transporting passengers or waiting for ride requests. This policy also includes gap coverage up to $2,500 for damages sustained while on duty.
Pros
Rideshare coverage available
Bundling options with other insurance types
Coverage for drivers traveling to Mexico
Cons
Below-average J.D. Power customer satisfaction rating in the Southeast region
High volume of negative customer feedback on Trustpilot
Many complaints filed with the BBB
GEICO: Best for discounts
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| 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. | $72/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. | $93/mo |
3.9
A solid optionBased on 12,166 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,482)
Lawanda
Verified Review
Rate Frustration
Reviewed in North Carolina on September 2025
I switched from Progressive because my rate kept increasing, and now Geico is doing the same.
Courtland
Verified Review
Now this is with my insurance company. The ones you offered were worse
Reviewed in Maryland on September 2025
Been good thus far. I'm covered. Not happy with the price. Progressive was even worse with the price.
Bekki
Verified Review
Okay
Reviewed in California on September 2025
Lowest prices I've found. Wish they were cheaper as I'm on a fixed income and hardly drive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
651NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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++Why we picked this company
One of the best ways to lower car insurance costs is by choosing an insurer with extensive discounts. GEICO offers more than 30 discount options, including savings for defensive driving, a clean driving record, and security features like anti-theft systems or anti-lock brakes. There’s also an opportunity to bundle multiple policies with GEICO that can help reduce overall insurance expenses.
Pros
Many available discounts
24/7 customer service via app or online portal
Offers coverage for motorcycles, ATVs, and RVs
Cons
Below-average J.D. Power customer satisfaction rating in the Southeast region
Gap coverage not available
Difficulty accessing live customer support
Progressive: Best for telematics
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 637 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| 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. | $61/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. | $99/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (7,053)
Robert
Verified Review
Don't file a claim!
Reviewed in Texas on September 2025
First claim in 55 years and they doubled my premium. It's just not worth it for liability only!
Lawrence
Verified Review
The Bi-Annual Insurance Song and Dance
Reviewed in Arizona on September 2025
Whenever you get a renewal notice, take the time to go online and get at least a couple of other quotes. There is a good chance you will get a lower quote from Progressive (happened to me). I hate that you have to play these games, but it is now a fact of life and the savings are worth the inconvenience.
Everett
Verified Review
Progressive changed my rate unexpectedly
Reviewed in Idaho on September 2025
They gave me a quote of just over $50 but refused to honor it and increased my rate to just under $80 a month.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.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+Why we picked this company
Progressive makes finding the right insurance policy simple with digital tools designed to help you personalize your coverage. Its AutoQuote Explorer lets users compare prices from multiple insurers, while the Snapshot program rewards safe driving. The Name Your Price Tool allows customers to adjust coverage based on their budget.
Pros
24/7 customer service availability
Highly rated mobile app
AM Best financial strength rating of A+ (Superior)
Cons
J.D. Power customer satisfaction rating in the Southeast is lower than competitors
Trustpilot reviews are mixed
Multiple complaints reported to the BBB
USAA: Best insurer for military affiliates
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| 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. | $51/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. | $97/mo |
4.9
Best choiceBased on 2,157 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,215)
Bob
Verified Review
Solid Insurance Company
Reviewed in Alabama on August 2025
I'm a 68-year customer. That should tell you everything.
Randall
Verified Review
USAA not recommended
Reviewed in Texas on August 2025
I had my debit card hacked, and the bank had to create a new account, which caused all of the autopayments to be rejected until I got a new card and account number. Since it was a hack used to purchase bitcoin, the bank fraud investigators took longer than normal to get everything switched over. Just about every company was great about the failed charge once they heard about the reason. Not USAA. They sent major emails the second the charge was rejected and kept piling on. I called them, and they were unapologetic and rude. I asked them if they kept track of how long a person has been a customer. They told me I had been a customer for 37 years. They could not have cared less and then started trying to intimidate me by asking if I was still active duty and needed to update their records with this info, which they had for 25 years. They have poor customer service and high rates. Not the company they used to be. They were the only company I left through the whole experience. I would not recommend them, especially after all of the fraud that has come out of the company in recent years.
John
Verified Review
Not recommended for vehicle insurance
Reviewed in New Jersey on August 2025
Very difficult to deal with if you have a vehicle insurance claim; very good though with homeowners insurance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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++Why we picked this company
USAA provides specialized insurance services with competitive rates for military personnel, veterans, and their families. North Carolina has one of the largest military presences in the country, with over a dozen local military bases. This means many North Carolina residents (active military members, their family members, and veterans) qualify for USAA coverage.
Pros
AM Best financial strength rating of A++ (Superior)
Unique discounts tailored for military members
Also offers credit cards and retirement support
Cons
Gap insurance not available
Only available to people with military affiliation
No business insurance available for bundling
Our editorial team analyzed regional and national auto insurance companies that sell policies in North Carolina to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in North Carolina
Finding the right car insurance policy to meet your needs takes some digging, but a little research can help you save while finding the coverage you need to hit the road with confidence.
Find the right coverage amount
Before you buy a car insurance policy, think carefully about how much coverage you need.[2]
While you only need to purchase a policy that meets North Carolina’s minimum coverage requirements, your specific needs may require additional coverage. You can work with an insurance agent to figure out what types of coverage and what amounts can protect you best.
As you start your search, keep these cost-saving tips in mind.
Compare at least three quotes
It’s helpful to request quotes from at least three different auto insurance companies in order to find a more affordable policy.
Price isn’t all that matters, though. You should also consider customer reviews and industry rankings to get an idea of which insurer offers the best coverage option for your needs.
Ask about discounts
While all car insurance companies offer their own set of products, services, and resources, most extend a few discount options to customers. Ask the insurance agent for more information about what discounts you qualify for before you choose an insurer.
These discounts could include a good student discount for young drivers, low-mileage discounts for remote workers, and more. You’ll never know how many discounts you qualify for unless you ask.
Bundle multiple policies
Some insurance companies sell more than just one type of insurance product. If you bundle your auto insurance policy with another policy, like homeowners insurance or renters insurance, you can often qualify for savings.
Find Cheap Car Insurance in North Carolina
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Average cost of car insurance in North Carolina
North Carolina drivers spend an average of $88 per month for a full-coverage car insurance policy and $62 for liability-only coverage. For comparison, the national average for full-coverage car insurance is $182 per month, and the national average for liability car insurance is $103.
Where you live plays a significant role in determining car insurance premiums. This is true even within a single state, as rates can vary by ZIP code.
For example, a driver who commutes into a big city like Raleigh will experience more traffic that can lead to accidents than someone who lives in the smaller, quiet riverside town of New Bern.
Insurers analyze factors such as crime levels, weather risks, and traffic congestion when assessing risk. Personal details like your driving record, vehicle type, and credit history also influence the premium you receive. That’s why it’s always a good idea to keep your driving record clean.
Best car insurance in North Carolina FAQs
If you’re still on the hunt for the best car insurance in North Carolina, here’s some more insight into how you can achieve that goal.
How much is car insurance in North Carolina?
The average rate for car insurance in North Carolina is $88 per month for a full-coverage car insurance policy and $62 for liability-only coverage.
What are the best car insurance companies in North Carolina?
Many great auto insurance companies operate in North Carolina, including USAA, Allstate, GEICO, and State Farm.
What is the required auto insurance coverage amount in North Carolina?
Most states have rules regarding the amount of liability coverage drivers must have. In North Carolina, drivers must carry minimum liability insurance coverage of 30/60/25, which means $30,000 in bodily injury liability per person, $60,000 per accident, and $25,000 in property damage liability.[3]
But you may want to buy more extensive coverage than the minimum liability coverage requirements to better protect yourself as a North Carolina driver.
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Sources
- J.D. Power. "Trust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, J.D. Power Finds."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- North Carolina Department of Insurance. "A Consumer's Guide to Automobile Insurance."
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Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Jacqueline has been a contributor at Insurify since October 2022.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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