Here's what you need to know when driving in North Carolina
Across the Tar Heel State, there are 221,456 miles of road just waiting to be driven. Read on to learn how much auto insurance costs in North Carolina based on the most common rating factors. Or, enter your ZIP code above to receive free personalized quotes and ensure you are getting the best price for your insurance.
Affordable insurance companies in North Carolina
What's the cheapest car insurance in North Carolina?
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | NC Farm Bureau | $852 |
| 2 | Auto-Owners | $861 |
| 3 | Travelers | $918 |
| 4 | Erie | $929 |
| 5 | State Farm | $940 |
| 6 | Titan | $1,024 |
| 7 | Progressive | $1,228 |
| 8 | Allied | $1,432 |
| 9 | Allstate | $1,540 |
| 10 | Nationwide | $1,569 |
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Cheap auto insurance for good drivers in North Carolina
Drivers with clean driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. North Carolina drivers without a recent speeding ticket typically save 32% on their car insurance premiums — far exceeding the 17% national average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
| Rating Factor | $ Savings | % Savings |
|---|---|---|
| No Traffic Tickets | $423 | 32.96% |
| No Accidents | $442 | 33.97% |
| Good Credit | $147 | 14.60% |
Cheap auto insurance for young drivers in North Carolina
Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In North Carolina, the typical teen driver pays $2,583 per year — approximately half the national average for teens, but more than twice the statewide average for all drivers in the Tarheel State.
| Age | Annual Rate with Parents | Annual Rate Alone |
|---|---|---|
| 16 | $4,037 | $2,650 |
| 17 | $3,202 | $2,063 |
| 18 | $2,987 | $1,816 |
| 19 | $2,987 | $925 |
Cheap auto insurance for bad drivers in North Carolina
If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 48% after a DUI, 33% after an at-fault accident, and 32% after a speeding ticket in North Carolina. The post-citation penalties assessed by car insurance companies after violations and at-fault accidents in North Carolina are substantially higher than nationwide averages. If you have a clean driving record, be sure to check for good-driving discounts from your insurer.
| Rating Factor | Annual Rate | % Increase |
|---|---|---|
| At-Fault Accident | $1,302 | 33.97% |
| DUI | $1,658 | 48.15% |
| Speeding Violation | $1,282 | 32.96% |
| Bad Credit | $1,006 | 14.60% |
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Top rated car insurance companies in North Carolina
Every auto insurance company advertises its cheap prices. But as with any product, the most affordable car insurance option is not always the finest choice. Considering what's at stake, it's worthwhile to do the homework to discover an insurance policy that will cover your car completely in the event of a collision. It's worth contrasting options to find a great value, rather than settling for the cheapest car insurance you can find.
Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers.
| Insurance Company | Claims Satisfaction (J.D. Power) | Customer Satisfaction (J.D. Power) | Financial Strength (A.M. Best) | Customer Satisfaction (The Zebra) |
| Allstate | Above average | Average | Superior | 4.3 / 5 |
| Auto-Owners | Excellent | Above average | Superior | N/A |
| Erie | Above average | Above average | Superior | 4.5 / 5 |
| MetLife | Excellent | Below average | Excellent | N/A |
| Nationwide | Above average | Poor | Superior | 4.3 / 5 |
| NC Farm Bureau | N/A | N/A | Excellent | N/A |
| Progressive | Below average | Below average | Excellent | 4.3 / 5 |
| Safeco | Average | Average | Excellent | N/A |
| State Farm | Above average | Above average | Superior | 4.5 / 5 |
| Travelers | Below average | Below average | Superior | 4.3 / 5 |
North Carolina auto insurance laws
In North Carolina, drivers are required to maintain auto insurance at or above the below levels:
Liability
- Bodily Injury $30,000 per person
- Bodily Injury $60,000 per accident
- Property Damage $25,000 per accident
Uninsured/Underinsured Motorist
- Bodily Injury $30,000 per person
- Bodily Injury $60,000 per accident
- Property Damage $25,000 per accident
Optional coverage in North Carolina (varies by carrier):
- Comprehensive
- Collision
- Loan/Lease Payoff
- Medical Payments
- Rental Car Reimbursement
- Roadside Assistance
For the minimum required coverage in North Carolina, you can expect to owe an average of $428 each year. This average cost is cheaper than the U.S. average by 35%. If you opt for better car insurance coverage, you can choose a policy with comprehensive and collision coverage, insuring against damages caused by car-on-car collisions, auto theft, or weather incidents. Better car insurance has a cost: in North Carolina, a comprehensive policy with a $1,000 deductible costs $814, 90% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 104% more than for a liability-only policy.
Learn more about car insurance laws in North Carolina.
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How tickets change insurance rates in North Carolina
If you receive a ticket, your auto insurance premiums may get more expensive. By how much depends on the specific citation, your insurance company's pricing strategy, and local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
See below average auto insurance rates in North Carolina after some common violations.
North Carolina Car Insurance FAQs
Who has the cheapest car insurance in North Carolina?
NC Farm Bureau offers the cheapest premiums for North Carolina drivers with an average rate of $426 for a six-month policy, or $71 per month. If you're interested in seeing quotes from multiple insurance companies, use our comparison tool to get started.
How much is car insurance in North Carolina?
The average cost of car insurance in North Carolina is $873 per year for full coverage or $428 for liability-only.
What type of car insurance is required in North Carolina?
North Carolina requires bodily injury and liability limits of 30/60/25 along with uninsured and underinsured motorist coverage.
How much does car insurance cost in North Carolina cities?
Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Winston Salem, North Carolina, and the most expensive in Fayetteville, North Carolina.
| Rank | City | Avg. Annual Premium |
|---|---|---|
| 1 | Fayetteville | $1,188 |
| 2 | Charlotte | $1,110 |
| 3 | Concord | $994 |
| 4 | Greenville | $979 |
| 5 | Wilmington | $972 |
| 6 | Raleigh | $952 |
| 7 | Durham | $951 |
| 8 | Greensboro | $945 |
| 9 | Cary | $856 |
| 10 | Winston Salem | $847 |
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