Cheapest Auto Insurance in Durham, North Carolina (2024)

Midvale Home & Auto offers the cheapest car insurance in Durham, with minimum-coverage policies as low as $36 per month.

Courtney Washington
Courtney Washington

Courtney Washington is a Texas A&M University graduate. Her extensive knowledge and background in auto, home, and umbrella policies make her a one-stop shop for insurance advice and information. She loves to help her readers understand their insurance choices so they can make informed decisions about their coverage.

Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 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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Updated June 20, 2024

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Cheapest recent rates near Durham, North Carolina

Recent Durham, North Carolina car insurance prices for Ford, Toyota, Nissan , and more.

*Quotes generated for Insurify users in and around Durham, North Carolina within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Durham, North Carolina within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The overall average cost of car insurance in Durham is $84 per month — similar to the statewide average of $79 per month and much lower than the national monthly average of $160.

Durham is the fourth-largest city in North Carolina, and its proximity to the capital of Raleigh could have an effect on its car insurance rates.

Here’s what you should know about comparing quotes and how to choose the best coverage for you in the Bull City.

Quick Facts
  • Midvale Home & Auto, Erie, and Nationwide have the cheapest car insurance in Durham.

  • The average price for liability coverage in Durham is $56 per month, and full coverage averages $111 per month.

  • Durham drivers pay a yearly average of $1,335 for full coverage.

3 of the cheapest car insurance companies in Durham

Durham has a lot of options when it comes to insurers. Fortunately, the starting rates for liability and full-coverage insurance are some of the lowest in the country. But your insurance needs and driving history determine which company works best for you.

As you start your search for a new insurance company, keep these three in mind.

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
Erie9.0$63$41Affordability
State Farm9.3$103$67Teen drivers
National General3.7$129$67Coverage after a DUI
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

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

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for affordability: Erie

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
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.
$43/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.
$65/mo

Erie continually offers some of the lowest rates in the area. Erie has been in business for almost 100 years and serves 12 states plus Washington, D.C. The company sports the highest customer service ratings from the Better Business Bureau (BBB) and the highest financial stability rating from AM Best.

Pros
  • Highest AM Best, BBB, and J.D. Power ratings

  • Most competitive rates

Cons
  • Not offered nationwide

  • Drivers can’t file a claim or purchase a policy online

Read our Erie Insurance review
Barbara - June 20, 2024
Verified

My Agent and Their Staff Are Excellent

Great!

Scott - June 19, 2024
Verified

Competitive Coverage with Local Feel

Personable and accommodating. Responsive and available. Mario has been great.

Willam - June 16, 2024
Verified

It's Really Good Insurance

It's good insurance.

Best insurer for teen drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$69/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.
$107/mo

State Farm is the best company for adding teens to a policy because it has a lot of family-specific discounts, including discounts for students making grades of B+ and above. The insurer also gives parents a discount for having a driving student away at school.

State Farm has been in business for more than 100 years, and the company has a high customer satisfaction score from J.D. Power. It also offers insurance for home, pet, disability, life, and health in addition to auto coverage.

Pros
  • Has several opportunities for discounts

  • Higher-than-average J.D. Power customer service satisfaction rating

Cons
  • No accident forgiveness

  • No gap policies

Read our State Farm review
Ronald - June 20, 2024
Verified

Excellent Outcome

They were professional, helpful, supportive, and knowledgeable.

Henry Crognale - June 20, 2024
Verified

Good

Excellent customer service.

Carole - June 20, 2024
Verified

Fair

It's too expensive for seniors.

Best insurer for coverage after a DUI: National General

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.
3.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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.
$67/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.
$125/mo

National General is the best option for drivers with a DUI because it requires them to take part in safe driving and substance abuse programs before issuing another policy. Asking drivers to complete these courses before issuing a policy significantly reduces the risk of a repeat offense and allows National General to offer coverage at lower rates.

National General is a branch of Allstate and offers coverage for accidental death and dismemberment and roadside assistance in addition to auto coverage.

Pros
  • Offers non-standard policies for high-risk drivers

  • Offers several add-on choices

Cons
  • Higher quotes overall

  • Has a lot of online complaints

Read our National General review
Marian - June 19, 2024
Verified

Too Expensive

Honestly, I wouldn't recommend them to my friends. They quoted me a price that was over $400 for basic coverage. That could have been full coverage. They mentioned a discount, but the truth is, they didn't even apply it during the first month. It was a very bad experience.

Timothy - June 17, 2024
Verified

Too expensive

Too expensive

Willie - June 17, 2024
Verified

Poor

I'm not sure, but the policy isn't functioning correctly due to their authoritarian and unsafe decisions, which are their own mistakes.

How to get the cheapest car insurance in Durham

Insurance companies consider several factors when deciding how to rate a driver for car insurance. Companies look at:

  • Age

  • Gender

  • ZIP code

  • Driving record

  • Credit score

  • Driving experience

  • The vehicle to be insured

Some of these factors are outside your control. Others aren’t. The best ways to get the most affordable insurance are:

  • Gather quotes from insurers and compare them against one another. You can do this easily through a price-comparison platform.

  • Purchase policies from companies that cater to your needs more closely, such as USAA for veterans.

  • Work to improve your credit score before switching companies. The better your score, the lower your rate.

  • Purchase other insurance products, like home insurance, life insurance, and boat or motorcycle coverage, from the same company to get the most discounts and the best rates possible.

Find Cheap Car Insurance in Durham

Rates start at $36 per month for liability coverage

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Cheapest liability-only car insurance in Durham: Midvale Home & Auto

Liability coverage pays for the other driver’s vehicle repairs and hospital bills in an accident you cause. Minimum coverage varies from state to state, as each state has its own rules. 

But liability coverage won’t pay for any damage to your vehicle, or injuries you and your passengers suffer. Because of this, liability coverage is often the most affordable. 

In Durham, liability insurance costs an average of $56 per month. You can see a collection of liability coverage quotes in Durham here.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Midvale Home & Auto$36
Erie$43
Nationwide$43
State Auto$44
GEICO$48
Liberty Mutual$51
Travelers$53
Safeco$54
Direct Auto$55
Dairyland$56
Allstate$57
Progressive$59
National General$67
State Farm$69
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 Durham: Erie

Full-coverage insurance provides the same protections as liability insurance but also covers car repairs and hospital bills for you, your passengers, and your vehicle. Because of this, full coverage is often more expensive. But if you finance or lease your vehicle, you’ll likely have to buy full coverage to satisfy your leasing company or lender’s requirements.

On average, Durham drivers pay $1,335 annually for full-coverage car insurance. You can see a collection of full-coverage quotes in Durham below.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Erie$65
Nationwide$65
Midvale Home & Auto$73
GEICO$75
Travelers$82
Allstate$89
Progressive$90
State Auto$94
Safeco$101
State Farm$107
Direct Auto$111
National General$125
Liberty Mutual$167
Dairyland$258
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 recent rates near Durham, North Carolina

Recent Durham, North Carolina car insurance prices for Toyota, Jeep, Ford , and more.

*Quotes generated for Insurify users in and around Durham, North Carolina within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Durham, North Carolina within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in North Carolina

To drive legally in the state of North Carolina, you must have coverage that meets the state’s minimum requirements listed below:

CoverageMinimum Requirements
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$25,000

You can also add coverage that exceeds the minimum. To further augment your coverage, you may want to consider:

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

    Collision coverage

    If your car incurs damage in an accident, collision insurance can pay for repairs.

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

    Comprehensive coverage

    If an event outside of your control damages your vehicle, such as a fire, hail, or vandalism, comprehensive insurance can compensate you.

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

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage protects you if you’re involved in an accident with someone who doesn’t have adequate car insurance coverage. It can also pay for damage from a hit-and-run accident.

Safe Driver Incentive Plan

North Carolina incorporates a points-focused incentive plan to encourage people to drive safely.[1] The more points a driver accumulates against their license, the more their insurance increases. Infractions and the points accrued are as follows:

  • Moving and minor speeding violations are worth one point and result in a 30% increase in the person’s insurance costs.

  • Illegal passing, following too closely, and speeding are worth two points each, increasing the driver’s insurance by 45%.

  • At-fault accidents that result in the other driver’s death are worth three points and a 60% increase in insurance prices.

  • Reckless driving, passing a stopped school bus, and a hit-and-run accident resulting in property damage result in four points and an 80% increase in insurance rates.

  • Driving with a suspended license or registration earns eight points and a 195% insurance increase.

  • Racing on highways and speeding to avoid an arrest are worth 10 points and a 260% increase.

  • Driving while intoxicated, negligent homicide, manslaughter, highway racing, and transporting illegal alcohol to sell are worth 12 points and a 340% increase.

Cheapest car insurance for drivers with an incident

An incident on a driver’s record can be a speeding ticket, an at-fault accident, driving under the influence, or any other violation that results in a court summons for the person operating the vehicle. Incidents cause insurance rates to increase because the more incidents the driver accumulates, the higher the chance that the insurance company has to pay out a claim.

Due to the points system in North Carolina, a speeding ticket can increase a policy by 30%, while a DUI or other reckless driving can push rates up by 340% or more.

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Cheapest car insurance for drivers with a speeding ticket

Insurers see speeding tickets as a clue to how careful a driver is on the road. The more reckless a driver is, the more likely they are to cause an accident.

Full-coverage car insurance costs Durham drivers with speeding tickets an average of $171 per month. Here, you can see a collection of average monthly quotes for drivers with a speeding ticket in Durham.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Midvale Home & Auto$36$51
Erie$43$60
Nationwide$43$59
State Auto$44$64
GEICO$48$65
Liberty Mutual$51$76
Travelers$53$72
Safeco$54$74
Direct Auto$55$75
Dairyland$56$76
Allstate$57$77
Progressive$59$80
National General$67$90
State Farm$69$93
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

An at-fault accident translates directly to dollars an insurance company pays to cover a claim. If an insurance company takes on more of a risk by insuring drivers with auto accidents on their record, they’ll raise the rates on the driver to collect more cash from them up front.

Durham drivers with at-fault accidents pay a monthly average of $180 for full coverage, Insurify data shows. The following table illustrates how an at-fault accident affects rates from insurers that serve Durham.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Midvale Home & Auto$36$54
Erie$43$63
Nationwide$43$62
State Auto$44$69
GEICO$48$69
Liberty Mutual$51$79
Travelers$53$76
Safeco$54$75
Direct Auto$55$80
Dairyland$56$80
Allstate$57$82
Progressive$59$86
National General$67$96
State Farm$69$98
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

A DUI, or driving under the influence, is one of the most severe and expensive moving violations a driver can accrue. Insurers see this the same way, and you’ll pay higher average premiums for a DUI on your record than you will for any other single incident.

In fact, a DUI makes you ineligible for coverage from some insurance companies. Durham drivers with a DUI pay a monthly average of $101 for liability-only coverage versus $56 for drivers with clean records.

The following table shows monthly quotes from some companies that have insured Durham drivers with DUIs. 

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Midvale Home & Auto$36$63
Erie$43$75
Nationwide$43$75
State Auto$44$77
GEICO$48$84
Liberty Mutual$51$89
Travelers$53$93
Safeco$54$94
Direct Auto$55$96
Dairyland$56$98
Allstate$57$100
Progressive$59$103
National General$67$117
State Farm$69$120
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

While it’s true that rates decrease around age 35, they can increase again once you reach 70 years old. This is because as reflexes slow and vision becomes worse, insurance companies anticipate more accidents and raise rates. 

In Durham, senior drivers pay a monthly average of $91 for full coverage. Below, you can see a collection of the most affordable quotes for senior drivers in Durham.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
Erie$48$32
Nationwide$48$32
Midvale Home & Auto$56$27
GEICO$59$38
Progressive$64$42
Travelers$64$41
Allstate$71$46
State Auto$72$34
Safeco$82$44
State Farm$83$53
Direct Auto$85$42
National General$98$52
Liberty Mutual$133$41
Dairyland$205$44
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

Young drivers are less experienced and make more mistakes than drivers with more years of driving experience. For this reason, insurance companies charge a higher premium to insure them.

Fortunately, parents can reduce their teen’s premium in a few ways:

  • Add young drivers to your policy instead of getting them their own coverage.

  • Try to insure higher-end, more expensive cars on a separate policy that excludes your young driver.

  • Start newer drivers out with an older vehicle that can carry liability-only insurance instead of needing full coverage.

  • Take advantage of every discount available, including any good student discounts or credit earned for having a young driver in college while their vehicle is at home.

On average, full-coverage car insurance for teen drivers costs $176 per month. But some drivers may find lower-than-average rates. The table below provides some insight into how much teen drivers pay with different insurers in Durham.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
Erie$103$68
Nationwide$104$69
GEICO$110$71
Midvale Home & Auto$118$58
Travelers$139$90
Allstate$147$94
Progressive$153$100
State Auto$157$73
State Farm$170$110
Direct Auto$191$94
Safeco$199$106
National General$226$121
Liberty Mutual$290$89
Dairyland$404$88
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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Durham car insurance quotes by credit tier

North Carolina allows insurance companies to rate drivers based on their credit histories. To insurance companies, the better a driver’s credit score, the lower the risk of them filing a claim. Drivers with excellent or good credit scores pay lower insurance premiums, while drivers with poor scores pay higher premiums.

Here, you can see how your credit tier affects quotes in Durham.

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.

Is car insurance more expensive in Durham?

Compared to the rest of the country, North Carolina is one of the more affordable states to get full-coverage and liability-only car insurance. But rates can vary from city to city within the state.

Insurance companies rate different parts of a state at different risk levels depending on crime rates and other factors. The more claims they register for a particular part of town, the more they charge for drivers located in that area.

More cities in North Carolina

The price difference from city to city in North Carolina depends on how each insurance company rates ZIP codes. Prices tend to be higher in cities where they have to pay more claims.

Compare average quotes in more North Carolina cities below.

CityFull CoverageLiability Only
Charlotte$136$75
Fayetteville$123$67
Greensboro$99$63
High Point$98$62
Raleigh$109$60
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.
Guide to Car Insurance Discounts (2024)

Guide to Car Insurance Discounts (2024)

Durham car insurance FAQs

Looking for more information to help you secure the best insurance rates in Durham? Check out the answers below.

  • How much is car insurance in Durham?

    Car insurance prices in Durham depend on several factors, including your driving record, financial stability, and residential ZIP code. Rates are an average of $56 monthly for liability only and $111 for full-coverage insurance in the Durham area.

  • Which company has the cheapest car insurance in Durham?

    Midvale Home & Auto has the cheapest car insurance in Durham, with monthly liability rates as low as $36. Erie and Nationwide also offer affordable coverage, with respective monthly liability rates of $43 and $43.

    But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.

  • What are the best car insurance companies in Durham?

    To check an insurance company’s customer service reputation, financial stability, and other company-specific items, check their scores with the Better Business Bureau, J.D. Power, AM Best, and other nationwide ranking websites. You can also check out how our experts rank companies against one another on our list of best car insurance companies for 2023.

  • What car insurance do you need in North Carolina?

    Drivers must carry the minimum liability limits mandated by the state to operate a motor vehicle legally. A driver caught without the proper coverage risks having their license suspended and their vehicle impounded.

  • Is North Carolina a no-fault state?

    No. North Carolina is an at-fault state. This means a driver who causes an accident is responsible for making everyone involved in the accident financially whole again, usually by filing a claim with their insurer.

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. NC Department of Insurance. "A Consumer's Guide to Automobile Insurance."
Courtney Washington
Courtney Washington

Courtney Washington is a Texas A&M University graduate. Her extensive knowledge and background in auto, home, and umbrella policies make her a one-stop shop for insurance advice and information. She loves to help her readers understand their insurance choices so they can make informed decisions about their coverage.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 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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