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North Carolina’s Auto Insurance Minimum Requirements, High Risk Drivers, Average Rate by City, and Tweaks You Can do To Lower Your Monthly Premium

In North Carolina the minimum amount of coverage is 30/60/25 and the numbers are in thousands. The numbers mean your policy would pay up to a maximum of $30,000 to any one person injured by a covered driver or up to $60,000 for all injured parties combined, as a result of one accident.

Minimum Car Insurance Requirements in North Carolina

CoverageNC Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$30,000 / $60,000$100,000 / $300,000
Property Damage$25,000$50,000
Uninsured Motorist Bodily Injury Coverage$30,000 / $60,000$100,000 / $300,000
Medical PaymentsOptional$5,000
Comprehensive CoverageOptional$250 - $1,000 deductible
Collision CoverageOptional$250 - $1,000 deductible

Also, North Carolina minimum coverage has a single limit of liability for all property damage resulting from any one accident which is $25,000.

Since the state has motorists driving without insurance there is a requirement to have uninsured motorist protection (UM) on the policy. The minimum amount of UM is required to include the same minimum as bodily injury and property damage.

25 year old best options for auto insurance

Note: As illustrated, the cheapest insurance quotes for a 25 year old are from GEICO, Auto-Owners, and State Farm. The quotes obtained are for a driver which had no more than one driving violation, good credit, and owned a 2014 Honda CR-V. Please see table below.

Policies with limits greater than the minimum has to provide a combine uninsured/underinsured motorist coverage.

Although these are the minimums for NC it is highly recommended to get more cover for newer model vehicles or vehicles worth over $3,000.

Best rates in NC for 30 year old.

Note: As illustrated, we found a couple of insurers lower than $1,000 for a 30 year old driver. For a more detailed comparison please see table below.

Comprehensive & Collision Coverage

Since the state has a high occurrence of hurricanes comprehensive cover should be considered. Comprehensive insurance will cover accidents such as falling objects, fire, theft, explosion, earthquakes, windstorm, hail, vandalism, damage from riots, animals, and breakage of windows or glass.

Collision cover will protect you from damage from another vehicle and may be required coverage if your vehicle is financed from a bank or lending institution which may require comprehensive cover too.

Inexpensive car premiums for 35 year old in NC.

Note: Each of the insurers illustrated clustered at the $800 mark for a 35 year old driver. For a more detailed comparison please table below.

Cheapest Auto Rates by Insurer & by Age

Below is a table outlining the cheapest insurance firms for drivers from 25 to 55 years old. Please realize your insurance quote will vary since determining factors are considered by insurance companies.

Cheapest rates for 40 year old in NC.

Note: A 40 year old driver with good driving history and good credit should be able to get rates below $700. In this illustration the driver owned a 2014 Honda CR-V.

RankNC Auto Insurance CompanyAverage Annual Rate for 25 Y/O DriverAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 35 Y/O DriverAverage Annual Rate for 40 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
1GEICO$1,331$978$798$679$589$508
2Auto-Owners$1,344$987$812$680$609$510
3State Farm$1,362$1,009$814$683$620$524
4Progressive$1,387$1,014$816$686$634$565
5Nationwide$1,388$1,034$823$690$654$589
6NC Farm Bureau$1,401$1,060$868$704$656$600
7Allstate$1,489$1,089$879$709$678$609
8Farmers$1,554$1,121$900$760$680$643
9American Family $1,605$1,122$906$767$680$644
10Allied$1,699$1,209$945$790$679$658
11MetLife $1,749$1,278$978$802$708$687
12Encompass$1,750$1,278$999$809$710$689
13Amica$1,755$1,332$1,067$809$721$701
14Unitrin$1,756$1,378$1,078$843$722$699
1621st Century$1,777$1,345$1,167$867$778$689
17Liberty Mutual$1,788$1,479$1,243$887$812$690
18Esurance$1,787$1,502$1,244$899$822$668
19Safeco$1,799$1,448$1,277$890$826$674

Affordable insurance for 45 year old in NC.

Average amount of auto insurance in NC is as follows:

  • Bodily Injury Liability – $100,000/$300,000
  • Property Damage Liability – $50,000
  • Medical Payments Cover – $2,000
  • Uninsured/Underinsured Motorist – $100,000/$300,000
  • Comprehensive Coverage – $0 deductible
  • Collision Coverage – $250 deductible

Best Insurers by Consumer Rating, Complaints, & Rate Increase Over 18 Months

Below is a table of insurance firms by consumer rating, complaints, and the rate increase (or decrease) over 18 months. This data is for you to make a more informed decision when buying car insurance.

All insurance companies will have negative marks on record and this should not be a big factor when determining which company to get your auto premium from.

NC Auto Insurance CompanyPremiumsRate Change > 18 Months# of ComplaintsConsumer Rating out of 5 Stars
GEICO$235,701,791+3.4%494.3
State Farm$347,659,344 +3.4%464.4
Amica$121,528,000+3.1%84.1
USAA$199,117,743+3.1%914.4
Progressive$121,275,206+3.3%214.5
Farmers $231,702,542+3.9%263.9
Penn National Insurance $26,920,209+4.1%10 4.1
MetLife $31,293,753+2.9%93.9
Nationwide$432,911,924 +2.6%2354.4
Liberty Mutual$92,145,789+2.9%94.4
Allstate$246,012,635 +4.3%294.3
21st Century$8,823,992 +2.9%214.2
Travelers$51,504,011 +3.1%84.0
American Family$78,715,033+2.9%374.4
Esurance$76,331,911+3.6%44.3
Safeco$7,448,310+3.5%63.8
Ameriprise$21,010,361 +3.1%83.9
State Auto$8,292,539 +2.6%23.9
Kemper$7,125,841+4.1%123.8
Titan$9,912,218+4.3%163.8
Hartford$27,939,545+3.4%474.0
Greenville Casualty Insurance Company$4,199,939+4.2%93.8
Horace Mann$15,719,994 +3.5%143.9
State National Companies Inc.10,874,098 +3.8%313.7
Auto-Owners$87,380,259+4.1%163.8

Best options for 55 year old in NC for auto premiums.

High Risk Drivers

In the state of NC it may be difficult for “high-risk” drivers to get insurance. High-risk drivers are considered those which may have Driving Under the Influence (DUI), serious traffic violations such as reckless driving, or an inexperienced driver which is considered to have less than three years of driving experience.

Car insurance firms rates before and after high risk (SR-22) coverage.

If you are high-risk driver you can enter your zip code at the top of the page and get quotes from top insurance companies for free.

You want to get as many quotes as you can to compare since insurance companies have their own method to determine high-risk drivers.

The most common method to get insurance for high-risk drivers is through a company that writes nonstandard business.

You may be asked to sign a “consent-to-rate” form. What that means is you are willing to pay higher than normal car insurance rates which have been not been filed with the state of North Carolina in order for the company to underwrite the policy.

Avg Rate in North Carolina by City

CityAverage RatePopulationCityAverage RatePopulationCityAverage RatePopulation
Apex$83247,349Goldboro$87535,792Mooresville$84336,543
Asheville$86689,121Greensboro$978287,027New Bern$87930,101
Burlington$90052,709Greenville$1,00791,495Raleigh$1,066458,880
Cary$889162,320Hickory$1,04540,567Rocky Mount$1,02755,466
Chapel Hill$94359,246High Point$1,011111,223Salisbury$1,02134,001
Charlotte$979842,051Indian Trail$99238,222Sanford$94929,128
Concord$87989,891Jacksonville$1,00967,784Wilmington$970117,523
Durham$1,043263,016Kannapolis$87847,839Wilson$1,08749,643
Fayetteville$1,009204,759 Matthews$93731,495Winston-Salem$1,089242,203
Gastonia$91275,536Monroe$95434,818Zebulon$7654,433

Charlotte

Charlotte, NC best rate options for drivers.

Charlotte is the largest city in North Carolina and home to nearly 800,000 residents. Many Fortune 1000 companies have headquarters in Charlotte including Bank of America, Lowe’s, and Wachovia Corp just to name a few. 

Charlotte offers museums the performing arts and more. Some of more notable museums include, Charlotte Museum of History, Charlotte Nature Museum, Discovery Place, Levine Museum of the New South and the Mint Museum of Art. The city is also known as the NASCAR capital of the United States.

Finding cheaper car insurance is fairly easy if you know where to get quotes from. Our lowest insurance quotes are from GEICO, Auto-Owners, and State Farm. Each at $1,008, $1,054, and $1078 respectfully for a 30 year old driver.

The average rate for “all” drivers is just under $1,000 so the insurers illustrated in the table and graph are within range of the “mean” rate of Charlotte. A 45 year old driver can find rate below $800 per year with the same insurance firms. GEICO, Auto-Owners, and State Farm. It would be smart for a family of 4 to get quote from all insurers to get maximum savings while maintaining optimum coverage.

Charlotte CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
GEICO$1,008$712
Auto-Owners$1,054$756
State Farm$1,078$789
Progressive$1,090$805
Nationwide$1,132$813
NC Farm Bureau$1,145$843
Allstate$1,167$876
Farmers$1,187$900

Durham

Durham, NC lowest rate options for drivers.

There is quite a range of cultural activities and resources in Durham, North Carolina.  The city has awesome jazz festivals, blues festivals, and symphony concerts to choose from.

The American Dance Festival and the Full Frame Documentary Film Festival happen here every year. The Carolina Theater resides at the center of Durham’s cultural scene, with live performances and films from around the world.

Outdoor enthusiasts love Durham with many hiking and jogging trails. The American Tobacco Trail has 12 miles of trails from downtown to the county line that offer residents good access for biking, hiking, walking, or jogging.

The average insurance rate in Durham is $1,043 per year. We found 5 carriers with rates below the average mark. Auto-Owners is the lowest at $834 which is 22% lower than average.

With GEICO we received quotes at $854 which is 19% lower than the average. Progressive gave quotes at $867 for a 30 year old driver.

For a 45 year old driver GEICO, Progressive, and Auto-Owners were below the $700 mark which is more than 25% lower than the “mean” rate in Durham.

Durham CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Auto-Owners$834$656
GEICO$854$675
Progressive$867$687
NC Farm Bureau$904$709
State Farm$978$716
Nationwide$1,032$765
Allstate$1,043$789
Farmers$1,056$804

Fayetteville

Fayetteville, NC inexpensive auto premiums by insurers.

Fayetteville is home to over 200,000 residents making it 6th largest city in North Carolina. One of the most visited attractions in Fayetteville is the Airborne and Special Operations Museum. It is a state-of-the-art educational facility whose exhibits celebrate the courage, honor, and heroism of this unparalleled sector of our armed forces.

The 82nd Airborne Division War Memorial Museum houses thousands of artifacts dating back to World War I. Fayetteville is known for Fort Bragg which trains thousands of elite paratroopers each year.

Getting inexpensive car insurance if Fayetteville is each with Auto-Owners, GEICO, and Progressive. Each insurer is at least 15% lower than the average rate of $1,009 per year. North Carolina Farm Bureau and State Farm are 10% lower.

It would be wise for a 30 year old driver to get quotes from all carriers illustrated since each are well below the “mean’ rate of Fayetteville. For a 45 year old driver we found all carriers illustrated in the graph are below the $700 mark. This is 30% lower than the average rate.

Nationwide and Allstate are worth getting quotes from since each are nearly 14% lower than the “mean” rate of the city.

Fayetteville CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Auto-Owners$856$621
GEICO$867$623
Progressive$888$656
NC Farm Bureau$906$679
State Farm$945$690
Nationwide$987$704
Allstate$1,032$745
Farmers$1,067$768

Raleigh

Raleigh, NC lowest premium options by insurance firms.

Raleigh, North Carolina is the capital of North Carolina with nearly 500,000 residents. Known as the “City of Oaks” for the prevalence of oak trees throughout the city.

Raleigh is part of the Research Triangle which also includes Durham and Chapel Hill. The Triangle is named for the Research Triangle Park created in 1959 that is located between Durham and Raleigh. Outdoor opportunities in Raleigh revolve around the Blue Ridge Mountains and the Atlantic Coast, both of which are located relatively close to the city.

With it’s beautiful mountain ranges, wonderful scenery, and relatively low cost of living, Raleigh attracts new residents each year making it one of the fastest growing cities in the United States.

The average rate in Raleigh is $1,066. We found the cheapest auto insurance rates are from Progressive, Auto-Owners, and GEICO. Which are at $879, $890, and $943 respectfully for a 30 year old driver. GEICO, North Carolina Farm Bureau, and State Farm clustered at the $940 mark. Which is still 12% lower than the ‘mean’ rate.

For a 45 year old driver we found one insurance company below the $700 mark – Progressive. Auto-Owners, GEICO, and North Carolina Farm Bureau clustered between $730 to the $760 mark for a 45 year old. A family of 4 would do well by getting quotes from all of insurers illustrated for maximum savings.

Raleigh CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Progressive$879$699
Auto-Owners$890$732
GEICO$943$754
NC Farm Bureau$945$768
State Farm$949$802
Allstate$987$804
Farmers$1,065$799
Nationwide$1,076$809

Winston-Salem

Winston-Salem, NC affordable premiums by insurers.

Winston-Salem is the 4th largest city in North Carolina with approximately 250,000 residents. It is also renowned for its local art schools and art-related attractions. Located in the Piedmont Triad, a region of North Carolina which also includes the cities of Greensboro and High Point. Winston-Salem is replete with historical and cultural attractions.

The performance arts venues include the Piedmont Opera Theater, the Stevens Center for the Performing Arts, the Winston-Salem Symphony, and the Little Theater of Winston-Salem. The city boasts many galleries in the city’s art district and plays host to the RiverRun Film Festival and the National Black Theater Festival.

Many magazines and journals have listed Winston-Salem as one of the best places to live in North Carolina.

Though residents are fulfilled with wonderful attractions they can find cheap car insurance with GEICO, Progressive, and North Carolina Farm Bureau. Each at $1,032, $1,033, $1,044 respectfully for a 30 year old driver. A 45 year old driver can get quotes from the same insurers at $843, $844, and $865 respectfully.

For a 30 year old driver each insurer is 12% lower than the average rate of $1,089 for Winston-Salem. The same insurers for a 45 year old are 18% lower than the ‘mean’ rate.

Winston-Salem CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
GEICO$1,032$843
Progressive$1,033$844
NC Farm Bureau$1,044$865
Auto-Owners$1,047$887
State Farm$1,067$889
Allstate$1,087$905
Farmers$1,099$907
Nationwide$1,132$954

Resources & DMV Information

Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
430 N Salisbury St, Raleigh, NC 27603
(855) 408-1212
201 S Chimney Rock Rd, Greensboro, NC 27409
(336) 315-7080
3231 Avent Ferry Rd, Raleigh, NC 27606
(919) 715-7000
WebsiteWebsiteWebsite
Sources

https://www.esurance.com/

https://www.geico.com/

https://www.allstate.com/auto-insurance/north-carolina-auto-insurance-coverages.aspx

https://www.libertymutual.com/auto/car-insurance-coverage/north-carolina

https://www.directgeneral.com/learning-center/states/north-carolina

Shaun Fyffe
Hi, I am Shaun Fyffe and writing is my passion. In my spare time I enjoy the outdoors, spending time with my family, sometimes I might go hiking or riding a bike, plus doing the regular hanging out - New York Style!

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