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Get Cheap Car Insurance in North Carolina

We monitor insurance prices, helping the average driver in North Carolina save up to 33.1% on car insurance.

 

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The Cheapest Minimum Coverage in North Carolina

The chart below shows the cheapest car insurance company in North Carolina for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Midvale Home & Auto, followed by Erie Insurance, Farm Bureau, and Progressive.

 
North Carolina Insurer Monthly Cost
Midvale Home & Auto $40
Erie Insurance $40
Farm Bureau $42
Progressive $45

Savings for Every Kind of North Carolina Driver

The table shows how much the average auto insurance customer in North Carolina might save by following our recommendations.

Based on our extensive insurance data, we know the average North Carolina driver will save about 19% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $200 per year by choosing the right vehicle insurance company. Some North Carolina residents are paying out over $1,043 extra every year for auto insurance in North Carolina. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
North Carolina Savings / Yr.
Drivers with good records
$200
Drivers with accidents
$435
Drivers with speeding tickets
$317
Drivers with a DUI conviction
$809
Young drivers
$601
Married drivers
$242
Drivers with bad credit
$363

North Carolina Car Insurance vs. the United States

People living in North Carolina pay an average of 16.58% less than the typical driver in the nation. The average driver in North Carolina can expect to pay about $625 per year, or $1,043 for full coverage.

Based on our analysis, Auto-Owners Insurance will be the cheapest provider in North Carolina for most people.

Car Insurance Prices by North Carolina Neighborhood

North Carolina map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within North Carolina?

The map shows insurance prices in and around North Carolina, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $572 per year within the state boundaries, with insurance premiums ranging from a high of $1,681 to a low of $1,109. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northwest parts of North Carolina.

Pick the Best Car Insurance Company for You in North Carolina

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the North Carolina insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in North Carolina

For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $200 over the average North Carolina car insurance company.

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We use the average good driver, paying $70 per month, as our baseline for pricing in North Carolina. Auto-Owners Insurance, Farm Bureau, and Erie Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for North Carolina drivers with accidents on their records

In North Carolina getting into an accident will raise premiums an average 37% for a yearly cost of $1,663. That's $621 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Erie Insurance, Farm Bureau, and Kemper are good choices for drivers with accidents.

In our analysis, Erie Insurance saved the average person who had been in an accident the most, with annual savings averaging $435 over the competition.

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The best car insurance company for North Carolina drivers with speeding tickets

>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $317 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In North Carolina, tickets raise premiums on new quotes about $516. If you have a speeding ticket, we recommend State Farm, Farm Bureau, and Erie Insurance for savings that beat the average insurance cost of $1,559 per year.

The best auto insurance for North Carolina drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,147 per year in auto insurance premiums, which was $2,104 more than a driver with no major issues. Kemper, Midvale Home & Auto, and Farm Bureau penalized their customers the least for a DUI.

Getting a quote from Kemper may cost the average person with a DUI about $809 less each year.

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The least expensive car insurance company for new and young drivers in North Carolina

In North Carolina, State Farm costs young drivers $601 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 56% more for insurance than more mature drivers in North Carolina. With an average cost of $2,362 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Farm Bureau, and Erie Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in North Carolina

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $15. State Farm, Erie Insurance, and Farm Bureau provided the largest discounts to couples living in North Carolina.

Erie Insurance gave the largest car insurance discounts to married couples, averaging $242 saved each year compared to an average North Carolina couple's premiums.

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The cheapest car insurance in North Carolina for drivers with bad credit

People with poor credit saved an average of $363 with Erie Insurance.

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Many people are surprised that their poor credit score can cost them an average of $495 every year. Premiums for people with poor credit were about $1,537 in North Carolina. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Progressive, Erie Insurance, and Dairyland.

The best North Carolina car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In North Carolina, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in North Carolina.

Nationwide was the best company for customer service in North Carolina according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in North Carolina, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in North Carolina. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in North Carolina

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 34% of North Carolina residents who are renting, and don't plan to be in the state or nation for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average North Carolina driver can expect to pay about $87 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In North Carolina, USAA has the best prices for none of the categories above.
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Auto Insurance Prices in and Around North Carolina

What Influences the Cost of Car Insurance in North Carolina?

On average, car insurance in North Carolina is more expensive than the rest of the nation. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the state are influenced by the following factors:

  • The average commute time in North Carolina is 31 minutes, which is about the national average for a driver in the nation.
  • North Carolina state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in North Carolina are higher than average in the nation, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
  • North Carolina is a lightly populated area in the nation. The state’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in North Carolina is $52 per month for minimum coverage and $87 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby States

States with Similar Populations

* Who is the average North Carolina driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central North Carolina with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.