North Carolina Cheapest Car Insurance & Best Coverage Options
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Joel Ohman
Founder, CFP®
Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...
Founder, CFP®
UPDATED: Jun 24, 2022
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
UPDATED: Jun 24, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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| Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith. |
AutoInsureSavings.org licensed agents did a comparison study of the cheapest car insurance companies in North Carolina and found North Carolina Farm Bureau provides the cheapest state minimum rate at $367 per year or 27% less expensive than North Carolina’s average of $502 per year.
At $986 per year, Geico provides cheap car insurance for North Carolina drivers with full coverage or 33% cheaper than the state average of $1,460 per year.
Affordable Car Insurance Rates in North Carolina
North Carolina car insurance shoppers should compare quotes with the same coverage levels with at least three insurance companies to find the best rate and save more on their auto insurance premiums.
| Cheapest Car Insurance in North Carolina - Key Takeaways |
|---|
 The cheapest North Carolina car insurance options are:Cheapest for minimum coverage: North Carolina Farm Bureau Cheapest for full coverage: Geico Cheapest after an at-fault accident: Erie Insurance Cheapest after a speeding ticket: Erie Cheapest after a DUI: Progressive Cheapest for poor credit history: Progressive Cheapest for young drivers: Auto-Owners For younger drivers with a speeding violation: Geico For younger drivers with an at-fault accident: Progressive |
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Cheapest Car Insurance in North Carolina Minimum Coverage
North Carolina Farm Bureau offers the cheapest minimum coverage rates for drivers in North Carolina with a good driving record, which provided us a $367 per year rate or $135 cheaper than the $502 average quote for our 30-year-old sample driver.
Suppose you are a military member or a family member of military personnel. In that case, your best rates are with USAA, which offered our agents a $380 per year quote or $31 per month for minimum liability coverage.
| Insurer | Annual cost | Monthly cost |
|---|---|---|
| North Carolina Farm Bureau | $367 | $30 |
| USAA | $380 | $31 |
| Erie Insurance | $389 | $32 |
| Geico | $410 | $34 |
| Auto-Owners | $423 | $35 |
| Travelers | $487 | $40 |
| State Farm | $490 | $41 |
| Progressive | $512 | $42 |
| Nationwide | $530 | $44 |
| Allstate | $582 | $48 |
*USAA is for qualified military members, their spouses, and direct family members. Your auto insurance rates may vary based on the driver’s profile.
Buying a minimum coverage insurance policy is the cheapest way to meet North Carolina’s insurance requirements to ensure you stay legal.
State minimums may not have sufficient coverage with the amount of bodily injury and property damage you need if you are involved in an auto accident.
| Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith. |
A North Carolina state minimum auto policy only covers up to $60,000 per accident in bodily injury liability and $25,000 per accident in property damage liability.
Cheapest Full Coverage North Carolina Car Insurance
Geico offers the cheapest car insurance rates for North Carolina drivers with full coverage. Geico’s $986 per year rate is 34% less expensive than the state average of $1,460 per year.
| Insurer | Annual cost | Monthly cost |
|---|---|---|
| Geico | $986 | $82 |
| North Carolina Farm Bureau | $1,054 | $87 |
| Travelers | $1,271 | $105 |
| North Carolina average | $1,460 | $121 |
A full coverage insurance policy costs more than liability-only policies but offers more asset protection with comprehensive and collision insurance included. Your motor vehicle is protected no matter who is at fault, or any inclement weather caused the damage.
Cheapest Car Insurance in North Carolina with a Speeding Ticket
Erie offers the cheapest auto insurance quotes for drivers in North Carolina with a speeding violation on their driving record. Erie’s $1,479 per year rate is 22% or $410 less expensive than state average rates.
| Insurer | Annual cost | Monthly cost |
|---|---|---|
| Erie | $1,479 | $123 |
| North Carolina Farm Bureau | $1,575 | $131 |
| Geico | $1,627 | $135 |
| North Carolina average | $1,889 | $157 |
According to the North Carolina Department of Transportation and NerdWallet, your auto insurance rates can increase by $439 per year or 23% with one traffic violation for speeding. Including fines, it could cost over $1,700.
| Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith. |
Most auto insurers will increase car insurance rates after traffic tickets, so you want to make sure to comparison shop for cheaper insurance companies in North Carolina after any traffic violation on driving records.
Cheapest Car Insurance in North Carolina With a Car Accident
According to our analysis, Erie offers the cheapest rates on auto insurance for drivers in North Carolina with an at-fault accident with a $1,517 per year insurance premium for our sample driver.
Erie’s rate is 33% less expensive than North Carolina’s average yearly rates ($2,248) for drivers with one accident in their driving history.
| Insurer | Annual cost | Monthly cost |
|---|---|---|
| Erie | $1,517 | $126 |
| Progressive | $1,771 | $147 |
| State Farm | $1,943 | $161 |
| North Carolina average | $2,248 | $187 |
Getting into an at-fault accident may cause a rate increase of 36% or $788 per year over three years, showing the importance of shopping for cheaper auto insurance if you have a change on your driving record.
To make sure you get the best rates, be sure to compare auto insurance quotes with at least three car insurance companies after a car accident.
Cheapest Car Insurance With a DUI in North Carolina
Drivers in North Carolina with DUI offenses on their driving records can find the cheapest car insurance with Progressive, which provided our insurance agents a quote at $3,617 per year or a $303 monthly rate for full coverage.
The average annual rate increase for drivers with DUI violations is $4,423, making Progressive’s rate 18% cheaper than North Carolina’s average DUI rate.
| Insurer | Annual cost | Monthly cost |
|---|---|---|
| Progressive | $3,647 | $303 |
| Erie | $4,118 | $343 |
| NC Farm Bureau | $4,286 | $357 |
| North Carolina average | $4,423 | $368 |
According to the North Carolina Department of Motor Vehicles (DMV), car insurance premiums increase by 358% on average for North Carolina drivers with driving while intoxicated violations (DUI’s).
North Carolina Department of Public Safety states that you will need to perform 24 hours of community service to reinstate your driver’s license after a DUI/DWI.
Cheapest Car Insurance for Drivers With Poor Credit in North Carolina
Progressive provides the cheapest insurance for drivers with a poor credit score in North Carolina with a $1,568 per year rate for full coverage or 19% less expensive than the average bad credit rate increase of $1,914 per year.
| Insurer | Annual cost | Monthly cost |
|---|---|---|
| Progressive | $1,568 | $130 |
| Geico | $1,611 | $134 |
| State Farm | $1,725 | $143 |
| North Carolina average | $1,914 | $159 |
AutoInsureSavings.org analysis shows North Carolina drivers who have a poor credit score will pay on average 24% more for car insurance premiums. And drivers with poor credit are more likely to file a claim or get involved in an at-fault accident.
For that reason, their auto insurance costs are higher than average. Make sure to maintain good credit scores, pay credit cards and student loans on time to ensure your car insurance rates won’t increase at renewal.
Cheapest Car Insurance for Young Drivers in North Carolina
We found young North Carolina drivers looking for the cheapest full coverage insurance is with Auto-Owners Insurance, which provided our agents a $2,043 per year quote or 30% less expensive than our sample young driver’s average rates.
USAA is the best car insurance option for younger drivers who qualify, which offered AutoInsureSavings’ agents a $1,682 per year rate for state minimum coverage.
The cheapest state minimum coverage in North Carolina for teenage drivers is Travelers Insurance, which offered us a quote at $684 per year or 34% cheaper than average rates. The next best option for younger drivers is Auto-Owners, with a $690 per year rate for liability coverage.
| Insurer | Full coverage | Minimum coverage |
|---|---|---|
| USAA | $1,682 | $614 |
| Auto-Owners | $2,043 | $690 |
| Geico | $2,136 | $768 |
| Erie Insurance | $2,256 | $762 |
| State Farm | $2,346 | $712 |
| Travelers | $2,429 | $684 |
| North Carolina Farm Bureau | $2,537 | $727 |
| Progressive | $2,649 | $895 |
| Nationwide | $3,326 | $1,158 |
| Liberty Mutual | $3,848 | $1,277 |
| Allstate | $4,261 | $1,364 |
*USAA is for qualified military members, their spouses, and direct family members. Your car insurance rates may be different based on the driver’s profile.
Statistics show a teen driver is more prone to car accidents than older experience drivers, making insurance rates higher. Our licensed agents recommend young or teen drivers to buy full coverage auto policies, so they have motor vehicle coverage in an auto accident as an added layer of protection.
| Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith. |
It is best to find an insurance company that offers the cheapest car insurance rates for young or teen drivers in the Tar Heel State, such as Travelers or Auto-Owners, to cut down on your costs.
Cheapest Car Insurance for Young Drivers with a Speeding Ticket
Young North Carolina drivers with a speeding violation should look to Geico for the most affordable auto insurance coverage in North Carolina. Geico’s average car insurance cost is $2,515 per year or $1,149 less per year for car insurance policies with comprehensive and collision coverage.
| Insurer | Annual cost | Monthly cost |
|---|---|---|
| Geico | $2,515 | $209 |
| Progressive | $2,747 | $228 |
| State Farm | $2,950 | $245 |
| North Carolina average | $3,664 | $305 |
Cheapest Car Insurance for Young Drivers with an At-Fault Accident
Inexperienced drivers in North Carolina with one at-fault accident can find the best car insurance with Progressive, which provided our agents a $2,680 per year rate ($223 per month) for full coverage insurance.
Progressive’s at-fault accident rate is 36% cheaper than North Carolina’s average rates ($4,163 per year) for teen drivers with an accident.
| Insurer | Annual cost | Monthly cost |
|---|---|---|
| Progressive | $2,680 | $223 |
| Auto-Owners | $2,739 | $228 |
| Erie Insurance | $2,818 | $234 |
| North Carolina average | $4,163 | $346 |
Best Car Insurance Companies in North Carolina
AutoInsureSavings.org team of licensed insurance agents rated the best car insurance companies in North Carolina by customer satisfaction, surveys, J.D. Powers claims satisfaction score, A.M. Best, and the National Association of Insurance Commissioners (NAIC) complaint index.
We found that North Carolina Farm Bureau and Nationwide are the best insurance companies based on excellent customer service, claims satisfaction, and NAIC’s complaint index.
ValuePenguin had similar results from their recent North Carolina customer survey, with Nationwide scoring 78% with customers in claims satisfaction.
| Auto Insurer | % respondents satisfied with recent claim | % respondents rated customer service as excellent |
|---|---|---|
| Nationwide | 78% | 53% |
| Progressive | 74% | 34% |
| State Farm | 73% | 46% |
| Allstate | 72% | 47% |
| Erie Insurance | 67% | 50% |
| Geico | 64% | 42% |
Our licensed insurance agents also collected information on each insurance company in North Carolina from the NAIC, J.D. Power, and A.M. Best’s financial strength ratings.
The car insurance company with the lowest NAIC complaint ratio is Nationwide, with a 0.46 complaint ratio compared to their market share and below the national average of 1.00.
| Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith. |
The NAIC’s complaint ratio compares the number of complaints an auto insurer has based on North Carolina’s market share. Any car insurance provider below 1.00 is better than the national average.
State Farm and Erie have the highest J.D. Power claims satisfaction scores of 881 and 880, respectfully.
A.M. Best financial strength ratings are a grade describing an auto insurer’s financial health and their ability to pay out claims.
| Insurer | NAIC complaint index | J.D. Power Claims Satisfaction | AM Best Rating |
|---|---|---|---|
| Nationwide | 0.46 | 876 | A+ |
| North Carolina Farm Bureau | 0.57 | n/a | A |
| State Farm | 0.66 | 881 | A++ |
| Allstate | 0.71 | 876 | A+ |
| Geico | 0.76 | 871 | A++ |
| Erie Insurance | 1.1 | 880 | A+ |
| Progressive | 1.16 | 856 | A+ |
While comparison shopping for car insurance companies in North Carolina, it is essential to remember that many factors contribute to your premium cost. Your age, driving experience, and even your credit score can influence your total monthly or annual cost.
It is always best for drivers in North Carolina to compare car insurance plans to find the best company that offers the lowest insurance rate.
Average Cost of Car Insurance by City in North Carolina
We collected insurance quotes from North Carolina zip codes from top insurance companies and found average rates can vary by $445. Typically, you will pay higher rates if you live in urban cities rather than the state’s rural areas. Your North Carolina rate is based not only on your zip code but also on the type of vehicle, liability coverage limits, marital status, and many other risk factors.
Cheapest Car Insurance in Charlotte, NC
Drivers in Charlotte can find the cheapest insurance quotes with Geico, which provided AutoInsureSavings.org agents a rate of $1,136 per year with $100,000 in liability insurance and $500 deductibles for comprehensive and collision coverage. Geico’s quote is 35% less expensive than Charlotte’s average rates.
| Charlotte Company | Average Premium |
|---|---|
| Geico | $1,136 |
| NC Farm Bureau | $1,280 |
| Erie | $1,351 |
| Charlotte average | $1,744 |
Cheapest Car Insurance in Raleigh, NC
Raleigh drivers can look to Geico for the cheapest auto rates, with a quote at $1,190 per year with full coverage insurance. Geico’s rate is 34% cheaper than Raleigh’s $1,777 average rates for similar driver profiles.
| Raleigh Company | Average Premium |
|---|---|
| Geico | $1,190 |
| North Carolina Farm Bureau | $1,265 |
| Auto-Owners | $1,342 |
| Raleigh average | $1,777 |
Cheapest Car Insurance in Greensboro, NC
Good drivers in Greensboro can find the cheapest full coverage insurance policy with North Carolina Farm Bureau, which offered us a $1,236 per year rate for our sample 30-year-old driver with comprehensive and collision $500 deductibles. Farm Bureau’s car insurance rate is $539 less per year than Greensboro’s average rates of $1,775 per year.
| Greensboro Company | Average Premium |
|---|---|
| North Carolina Farm Bureau | $1,236 |
| Auto-Owners | $1,359 |
| Liberty Mutual | $1,623 |
| Greensboro average | $1,775 |
Cheapest Car Insurance in Durham, NC
Our insurance agents found the cheapest auto insurance rate in Durham, NC is Auto-Owners with a $1,179 per year rate for a full coverage insurance policy. Auto-Owners’ quote is 33% less expensive than Durham’s average rates.
| Durham Company | Average Premium |
|---|---|
| Auto-Owners | $1,179 |
| Geico | $1,294 |
| State Farm | $1,462 |
| Durham average | $1,745 |
Cheapest Auto Insurance in Winston-Salem, NC
Drivers in Winston-Salem can get cheap auto insurance with Geico, which provided our licensed agents a $1,230 per year rate for a full coverage insurance policy with $100,000 in liability insurance. Geico’s quote is 33% less expensive than the average rates in Winston-Salem, North Carolina.
| Winston-Salem Company | Average Premium |
|---|---|
| Geico | $1,230 |
| Travelers | $1,299 |
| North Carolina Farm Bureau | $1,428 |
| Winston-Salem average | $1,824 |
Cheapest Auto Insurance in Fayetteville, NC
Good drivers in Fayetteville can find the least expensive car insurance policy with Geico, which offered us a $1,113 per year rate for our sample 30-year-old male driver. Geico’s full coverage quote is 36% cheaper than Fayetteville’s average rates.
| Fayetteville Company | Average Premium |
|---|---|
| Geico | $1,113 |
| Progressive | $1,362 |
| North Carolina Farm Bureau | $1,410 |
| Fayetteville average | $1,728 |
Average Car Insurance Cost for All Cities in North Carolina
| City | Annual Premium Cost | City | Annual Premium Cost |
|---|---|---|---|
| Charlotte | $1,810 | Walkertown | $1,365 |
| Raleigh | $1,777 | Erwin | $1,393 |
| Greensboro | $1,775 | Long View | $1,378 |
| Durham | $1,745 | Raeford | $1,390 |
| Winston-Salem | $1,824 | Seven Lakes | $1,426 |
| Fayetteville | $1,728 | Archer Lodge | $1,462 |
| Cary | $1,643 | Ahoskie | $1,365 |
| Wilmington | $1,539 | Midway | $1,497 |
| High Point | $1,490 | Pleasant Garden | $1,378 |
| Concord | $1,412 | Royal Pines | $1,425 |
| Greenville | $1,539 | Farmville | $1,428 |
| Asheville | $1,512 | Dallas | $1,411 |
| Gastonia | $1,365 | Edenton | $1,465 |
| Jacksonville | $1,428 | Mount Olive | $1,412 |
| Chapel Hill | $1,602 | Granite Falls | $1,526 |
| Huntersville | $1,587 | Newport | $1,493 |
| Rocky Mount | $1,465 | Boiling Springs | $1,378 |
| Burlington | $1,412 | Wrightsboro | $1,365 |
| Apex | $1,505 | Creedmoor | $1,521 |
| Wilson | $1,528 | Bayshore | $1,465 |
| Kannapolis | $1,596 | Valdese | $1,570 |
| Wake Forest | $1,543 | Cramerton | $1,428 |
| Hickory | $1,580 | Beaufort | $1,543 |
| Indian Trail | $1,549 | Brices Creek | $1,574 |
| Mooresville | $1,580 | Canton | $1,563 |
| Monroe | $1,465 | Wingate | $1,378 |
| Holly Springs | $1,521 | Bethlehem | $1,505 |
| Goldsboro | $1,365 | Moyock | $1,528 |
| Salisbury | $1,563 | Pittsboro | $1,412 |
| Matthews | $1,428 | North Wilkesboro | $1,465 |
| New Bern | $1,378 | Spindale | $1,543 |
| Garner | $1,493 | China Grove | $1,365 |
| Sanford | $1,412 | Mountain Home | $1,574 |
| Cornelius | $1,528 | Carolina Shores | $1,563 |
| Fuquay-Varina | $1,574 | Jamestown | $1,582 |
| Thomasville | $1,465 | Swannanoa | $1,521 |
| Mint Hill | $1,582 | Westport | $1,378 |
| Statesville | $1,591 | Forest Oaks | $1,428 |
| Morrisville | $1,365 | Randleman | $1,543 |
| Asheboro | $1,598 | Elkin | $1,465 |
| Kernersville | $1,605 | Shallotte | $1,582 |
| Clayton | $1,378 | Burgaw | $1,365 |
| Carrboro | $1,428 | Rutherfordton | $1,574 |
| Lumberton | $1,563 | Tabor City | $1,412 |
| Kinston | $1,591 | Trent Woods | $1,493 |
| Clemmons | $1,582 | Gamewell | $1,546 |
| Leland | $1,505 | Franklin | $1,563 |
| Havelock | $1,365 | Tyro | $1,528 |
| Shelby | $1,465 | Elroy | $1,428 |
| Boone | $1,521 | Weaverville | $1,365 |
| Lexington | $1,574 | Dana | $1,505 |
| Lenoir | $1,412 | Sunset Beach | $1,465 |
| Elizabeth City | $1,528 | Wallace | $1,378 |
| Murraysville | $1,591 | River Road | $1,574 |
| Morganton | $1,493 | Welcome | $1,521 |
| Pinehurst | $1,553 | Lake Park | $1,412 |
| Knightdale | $1,428 | Fairview town | $1,591 |
| Albemarle | $1,365 | Southport | $1,599 |
| Harrisburg | $1,465 | Benson | $1,465 |
| Hope Mills | $1,505 | Eastover | $1,521 |
| Mount Holly | $1,532 | Emerald Isle | $1,365 |
| Stallings | $1,412 | Mountain View | $1,607 |
| Waxhaw | $1,603 | Hudson | $1,505 |
| Laurinburg | $1,563 | Stanley | $1,371 |
| Eden | $1,574 | Lowell | $1,597 |
| Mebane | $1,378 | Midland | $1,549 |
| Henderson | $1,365 | Northchase | $1,428 |
| Graham | $1,521 | Ranlo | $1,493 |
| Roanoke Rapids | $1,465 | Lillington | $1,602 |
| Southern Pines | $1,582 | Louisburg | $1,365 |
| Reidsville | $1,591 | Rockfish | $1,563 |
| Hendersonville | $1,505 | Wilkesboro | $1,465 |
| Lewisville | $1,602 | Kitty Hawk | $1,528 |
| Piney Green | $1,493 | Lake Royale | $1,505 |
| Newton | $1,546 | Plymouth | $1,378 |
| Davidson | $1,574 | Elizabethtown | $1,543 |
| Smithfield | $1,365 | Windsor | $1,412 |
| Spring Lake | $1,602 | Surf City | $1,521 |
| Belmont | $1,528 | Red Oak | $1,591 |
| Elon | $1,428 | Maiden | $1,602 |
| Archdale | $1,365 | Red Springs | $1,582 |
| Summerfield | $1,465 | Mar-Mac | $1,574 |
| Kings Mountain | $1,378 | Flat Rock | $1,465 |
| Tarboro | $1,493 | Lake Junaluska | $1,528 |
| Lincolnton | $1,505 | Locust | $1,428 |
| Weddington | $1,543 | Troy | $1,505 |
| Myrtle Grove | $1,412 | Whispering Pines | $1,365 |
| Mount Airy | $1,582 | Denver | $1,378 |
| Waynesville | $1,602 | Enochville | $1,521 |
| Dunn | $1,365 | Spencer | $1,412 |
| Winterville | $1,521 | Swansboro | $1,543 |
| Washington | $1,602 | Lowesville | $1,378 |
| Morehead City | $1,563 | Rural Hall | $1,602 |
| St. Stephens | $1,574 | Warsaw | $1,493 |
| Wesley Chapel | $1,428 | Landis | $1,634 |
| Rockingham | $1,600 | East Rockingham | $1,591 |
| Pineville | $1,521 | Wallburg | $1,365 |
| Oxford | $1,465 | River Bend | $1,563 |
| Kings Grant | $1,412 | Murfreesboro | $1,574 |
| Clinton | $1,493 | Mineral Springs | $1,582 |
| Conover | $1,378 | Pembroke | $1,543 |
| Ogden | $1,505 | Granite Quarry | $1,412 |
| Roxboro | $1,612 | Nags Head | $1,465 |
| Half Moon | $1,528 | Polkton | $1,428 |
| Lake Norman of Catawba | $1,365 | Southern Shores | $1,574 |
| Black Mountain | $1,632 | Yadkinville | $1,521 |
| Fletcher | $1,582 | Fairview | $1,528 |
| Siler City | $1,602 | Fearrington Village | $1,493 |
| Oak Island | $1,591 | Sneads Ferry | $1,505 |
| Marion | $1,574 | Fairfield Harbour | $1,365 |
| Brevard | $1,428 | South Rosemary | $1,378 |
| Butner | $1,543 | Cajah's Mountain | $1,602 |
| Etowah | $1,412 | Grifton | $1,582 |
| Aberdeen | $1,465 | Wentworth | $1,604 |
| Porters Neck | $1,563 | Skippers Corner | $1,465 |
| Rolesville | $1,521 | Marshville | $1,543 |
| Wendell | $1,365 | Sylva | $1,412 |
| Mills River | $1,493 | Troutman | |
| Kill Devil Hills | $1,505 | Laurel Park | $1,591 |
| Forest City | $1,378 | Avery Creek | $1,365 |
| Gibsonville | $1,428 | La Grange | $1,574 |
| Hillsborough | $1,417 | Bermuda Run | $1,378 |
| King | $1,528 | Liberty | $1,602 |
| Unionville | $1,543 | Fairmont | $1,493 |
| Oak Ridge | $1,591 | Tobaccoville | $1,417 |
| Selma | $1,465 | Wilson's Mills | $1,428 |
| Woodfin | $1,378 | Buies Creek | $1,465 |
| Trinity | $1,591 | Wrightsville Beach | $1,602 |
| Marvin | $1,365 | Jonesville | $1,528 |
| Silver Lake | $1,574 | Edneyville | $1,521 |
| Cullowhee | $1,582 | Broad Creek | $1,428 |
| Hamlet | $1,602 | Mars Hill | $1,365 |
| Carolina Beach | $1,417 | Enfield | $1,505 |
| Boiling Spring Lakes | $1,493 | Mayodan | $1,563 |
| Cherryville | $1,428 | Belville | $1,378 |
| Hampstead | $1,465 | Carthage | $1,543 |
| Angier | $1,528 | Haw River | $1,417 |
| East Flat Rock | $1,602 | Holly Ridge | $1,591 |
| St. James | $1,563 | Coats | $1,378 |
| Nashville | $1,365 | Cape Carteret | $1,493 |
| Bessemer City | $1,505 | Icard | $1,428 |
| Zebulon | $1,543 | Fruitland | $1,365 |
| Stokesdale | $1,378 | Yanceyville | $1,582 |
| Whiteville | $1,516 | Horse Shoe | $1,528 |
| James City | $1,493 | Richlands | $1,505 |
| Williamston | $1,528 | Taylorsville | $1,560 |
| Wadesboro | $1,417 | Madison | $1,465 |
| Mocksville | $1,365 | Biscoe | $1,512 |
| Sawmills | $1,517 | Hertford | $1,417 |
| Ayden | $1,428 | Rose Hill | $1,378 |
Minimum Auto Insurance Requirements in North Carolina
According to the North Carolina Department of Insurance (NCDOI.gov), all drivers in North Carolina must comply with state law and have the minimum bodily injury liability, property damage liability limits, and uninsured motorist coverage in their auto insurance policies.
| Liability insurance | Minimum requirements |
|---|---|
| Bodily injury liability | $30,000 per person and $60,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured / underinsured motorist bodily injury | $30,000 per person and $60,000 per accident |
| Uninsured motorist property damage | $25,000 per accident |
*NCDOI mandates minimum coverage policies have “only” uninsured motorist coverage.” Once liability limits are increased, the NC Department of Insurance (NCDOI) law requires underinsured motorist bodily injury coverage bundled with uninsured motorist coverage for all car insurance policies.
AutoInsureSavings.org agents also recommend higher liability limits with collision and comprehensive coverage or a full coverage policy with roadside assistance. You will be responsible for the extra costs in an at-fault auto accident if the cost of bodily injury and property damage exceeds the liability insurance requirements. The average driver will want to keep these coverage options in mind.
Frequently Asked Questions
Who has the Cheapest Car Insurance in North Carolina?
North Carolina Farm Bureau offers the state minimum’s cheapest auto insurance rate at $367 per year for 30-year-old drivers. The average annual auto insurance premiums for minimum coverage in North Carolina are $502 per year, and Farm Bureau’s premium costs 27% less per year. Other good options for affordable car insurance are Erie Insurance at $389 per year and Geico at $410 per year.
How Much is North Carolina Car Insurance per Month?
The average car insurance costs $121 per month or $1,460 per year in North Carolina for full coverage insurance and $41 per month or $502 per year for state minimum coverage for a 30-year-old driver with a clean driving record.
How Much Is Full Coverage Car Insurance in North Carolina?
The average cost of full coverage car insurance in North Carolina is $1,460 per year or $121 per month with $100,000 per accident in liability coverage. Geico’s average rate for full coverage is $986 per year or $82 per month or 34% less per year, the lowest in this category. While Travelers’ $1,271 rate is 14% below North Carolina’s state average rates.
How do I Save on Car Insurance in North Carolina?
The best way to save on your insurance premium in North Carolina is to find out from your car insurance provider if you are eligible for a money-saving driver discount offered by the company. Many insurance providers in North Carolina will lower your overall insurance prices if you have more than one policy with them, such as life or home insurance policies.
Another way to save on car insurance premiums is to practice safe driving habits and maintain clean driving records. Many insurance companies offer good driving discounts for drivers in North Carolina that have clean driving records for three to five years. One example is Geico which offers good drivers a safe driver discount (up to 22%) for being five years accident-free. Not only will you keep and your passengers safe, but it will also help you avoid car accidents or traffic violations that could cause your annual or monthly premium to increase.
To learn more about North Carolina’s most affordable car insurance options, enter your zip code or get expert advice at AutoInsureSavings.org.
Our licensed car insurance professionals will be happy to answer any questions you have.
Methodology
AutoInsureSavings.org comparison shopping study used a full-coverage auto policy for a 30-year-old driving a 2018 Honda Accord with the following coverage limits:
Average Coverage Limits for Full-Coverage Auto Policy
| Coverage type | Study limits |
|---|---|
| Bodily injury liability | $50,000 per person / $100,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection | $10,000 |
| Uninsured / underinsured motorist bodily injury | $50,000 per person / $100,000 per accident |
| Comprehensive and collision coverage | $500 deductible |
We used insurance rates for North Carolina drivers with accident histories, credit scores, and marital status for other North Carolina rate analyses. We used car insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your auto insurance rates may vary when you get quotes.
Sources
– North Carolina Department of Motor Vehicles. “Car Insurance Requirements.”
– North Carolina Department of Public Safety. “Driving While Impaired.”
– NC Department of Insurance. “Savings to Consumers.”
– National Association of Insurance Commissioners. “Savings to Consumers.”
– I Drive Safely. “NC Traffic Ticket and Violation Information.”
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Joel Ohman
Founder, CFP®
Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...
Founder, CFP®
UPDATED: Jun 24, 2022
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