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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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Jacqueline DeMarco
Jacqueline DeMarco
  • 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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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
  • 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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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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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.
$213/mo
3.8
A solid optionBased on 2,363 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 (1,114)
Joe
Verified Review
A Bit of a Communication Issue with Farmers
Reviewed in Missouri on November 2025
It's been a bit difficult lately to directly contact the agent who initially signed me up and saved me a lot of money on my home insurance bundled with my auto insurance. The office assistant got me insurance for a new vehicle recently, but I think the rate is too high. I am going to attempt to get through to the agent I used initially. It could be just the issue of using the phone instead of a direct email to the person I am referring to.
Larry
Verified Review
Car Insurance Choices
Reviewed in Nebraska on November 2025
In my opinion, Farmer's best trait is they really do listen to what you tell them and try to do it.
Marcelo
Verified Review
The cost is too high for the amount of coverage compared to Progressive Insurance. Also, Farmers never sends out insurance cards to show we have insurance. You have to call Farmers to get them. That's one of the main reasons I am changing insurance companies. I don't understand this; if you're paying for insurance, the insurance company should send your insurance cards in due time. Why do we, the customers, have to pester Farmers to send them to us by email? As of today, I don't have my insurance card, and it's been 3 months now. I am paying for nothing. The only proof I have of insurance is the amount they take out of my bank account every month.
Reviewed in Texas on November 2025
The cost is too high for the amount of coverage compared to Progressive Insurance. Also, Farmers never sends out insurance cards to show we have insurance. You have to call Farmers to get them. That's one of the main reasons I am changing insurance companies. I don't understand this; if you're paying for insurance, the insurance company should send your insurance cards in due time. Why do we, the customers, have to pester Farmers to send them to us by email? As of today, I don't have my insurance card, and it's been 3 months now. I am paying for nothing. The only proof I have of insurance is the amount they take out of my bank account every month.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
676
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28
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
Why 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
  • Offers Signal usage-based telematics program for monitoring driving behavior

  • Many available discounts

  • Strong J.D. Power customer satisfaction rating in the Southeast region[1]

Cons
  • Average rates higher than some competitors

  • Fewer discounts than some competitors

  • Doesn’t offer 24/7 customer service

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.
$87/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.
$128/mo
3.9
A solid optionBased on 7,789 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 (3,950)
Rodney
Verified Review
Safeco's Auto Insurance Experience
Reviewed in New Mexico on December 2025
Safeco is a great company for auto insurance, but I had a bad experience with their homeowners insurance. I had hail damage three years ago, and they did not pay anything. I was disappointed with their service.
William
Verified Review
Excellent
Reviewed in Ohio on December 2025
I would stay with them, but I can only afford so much when you are on a fixed budget. I'm on SSI.
Victoria
Verified Review
Allstate is a rip-off
Reviewed in New Jersey on December 2025
The rates go up every 6 months when the policy renews. The only way you can get any kind of break is by allowing them to track your every move while driving and do everything by computer. I guess they are trying to save trees.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
634
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
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-
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 Allstate insurance products

  • Separate policies offered for driving in Mexico

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

  • High volume of negative customer feedback on Trustpilot

  • Rates are merely average compared to other insurers

GEICO: Best for discounts

User Reviews
4.0
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.
$73/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.
$108/mo
4.0
Best choiceBased on 13,427 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 (6,905)
Deborah
Verified Review
Check around before you buy
Reviewed in Florida on December 2025
The rates are way too high for one person with a clean driving record and nothing on it.
Kiran
Verified Review
Reduce the Price
Reviewed in Maryland on December 2025
Too pricey for good drivers.
James
Verified Review
Why We Stay with GEICO
Reviewed in Florida on December 2025
We love GEICO. We have been with them forever. We check other carriers once or twice a year, and no one else can compare.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
651
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
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++
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 discounts than most competitors

  • 24/7 customer service via mobile 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.
$66/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.
$91/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 (7,522)
Michael
Verified Review
Get a horse.
Reviewed in Alabama on December 2025
I have no tickets or accidents, yet the prices keep going up!
Robert
Verified Review
Insurance
Reviewed in South Carolina on December 2025
Not cheap, but they get the job done.
Virginia
Verified Review
Progressive Review
Reviewed in North Carolina on December 2025
I feel over the years I have had several car insurance policies. Progressive has been the best.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
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+
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 usage-based telematics program rewards safe driving. Its unique 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 region is lower than competitors

  • Trustpilot customer reviews are mixed

  • Loan/lease payoff coverage has a payout limit of 25% of the vehicle's actual cash value

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.
$53/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
4.9
Best choiceBased on 2,459 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 (1,326)
Yolande
Verified Review
It was easy to complete
Reviewed in Kentucky on December 2025
It's great. I have no problems with them and would tell my friends if they want an insurance company where they can speak to a human, this is the company to go with.
Al
Verified Review
Poor
Reviewed in Georgia on December 2025
Hold true rates, no fake $38.00 per month.
Cheryl
Verified Review
Skyrocketing Rates
Reviewed in Massachusetts on December 2025
I assume it is like most others. USAA is, of course, offered to military personnel, retired military, and their families. Since my bill has skyrocketed to $1,459, I have been upset that my car costs that much to insure. I have had this car since January 2016. I haven't had any accidents, I don't drink alcohol, and my car mostly sits in the garage. It has approximately 67,800 miles on it. My bill is up over $200 from last year and the same for the year before. I just don't understand. Make of it what you will.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
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++
Why we picked this company

USAA provides specialized insurance services with competitive rates for active-duty 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 that many members of the military community in North Carolina (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 credits cards, other banking services and retirement support

Cons
  • Gap insurance not available

  • Coverage limited to members of the military community

  • Has a limited number of brick-and-mortar office locations in North Carolina

  • 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. 

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    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 third-party industry rankings to get an idea of which insurer offers the best coverage option for your needs.

  • illustration card https://a.storyblok.com/f/162273/150x150/75872bbafd/money-96x96-green_033-magnifying-glass.svg

    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 your 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.

  • illustration card https://a.storyblok.com/f/162273/150x150/8055843166/car-service-96x96-orange_040-garage.svg

    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 $92 per month for a full-coverage car insurance policy and $65 for liability-only coverage. For comparison, the national average for full-coverage car insurance is $176 per month, and the national average for liability car insurance is $99.

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 $92 per month for a full-coverage car insurance policy and $65 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. Starting July 1, 2025, North Carolina drivers must carry minimum liability insurance coverage of 50/100/50, which means $50,000 in bodily injury liability per person, $100,000 per accident, and $50,000 in property damage liability.

    But you may want to buy more extensive coverage than the minimum liability coverage requirements to better protect yourself as a North Carolina driver.

Sources

  1. J.D. Power. "Trust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, J.D. Power Finds."
  2. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
Jacqueline DeMarco
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.

Chris Schafer
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
  • 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.

Featured in

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Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Triple-I
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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