Cheap North Carolina Car Insurance

Compare the best rates from 25 car insurance companies in North Carolina.

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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. We’ll get you prepped, then you take the wheel.


Affordable Insurance Premiums in North Carolina

What's the cheapest car insurance in North Carolina?
RankCompany NameAvg. Annual Premium
1NC Farm Bureau$852
5State Farm$940

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Cheap Insurance for Good Drivers in North Carolina

Drivers with good 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$42332.96%
No Accidents$44233.97%
Good Credit$14714.60%

Cheap 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.

AgeAnnual Rate with ParentsAnnual Rate Alone

Cheap Car 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 FactorAnnual Rate% Increase
At-Fault Accident$1,30233.97%
Speeding Violation$1,28232.96%
Bad Credit$1,00614.60%

Best 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.

Review top insurance companies' financial strength and claims satisfaction levels to better understand the quality of service they will provide. Claims satisfaction — measured by J.D. Power — is rated on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Poor" to "Superior" — assesses an insurance company's financial strength and ability to satisfy its policy and contractual obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Liberty Mutual3Excellent
Penn NationalNot RatedExcellent
State Farm3Superior
UnitrinNot RatedExcellent
Utica NationalNot RatedExcellent


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What is the Best Auto Insurance Coverage in North Carolina?

The minimum insurance requirement in North Carolina is $30,000 Bodily Injury per person, $60,000 Bodily Injury per accident, and $25,000 Property Damage per accident.

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.

Analyze average premiums for liability-only and comprehensive coverage levels in the table below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
North Carolina$428.34$813.57$873.48
National Average$657.66$1,241.26$1,397.94

North Carolina Auto Insurance Laws

State minimum insurance requirements in North Carolina

In North Carolina, drivers are required to maintain auto insurance at or above the below levels:

  • 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

Learn more about car insurance laws in North Carolina

Driving Laws in North Carolina

North Carolina Texting and Driving Laws

  1. Ban on all cell phones for school bus drivers
  2. Ban on all cell phones for drivers <18 years old
  3. Ban on text messaging for all drivers

North Carolina DUI Laws

North Carolina has a seven-year lookback period. Each subsequent DWI within a seven-year period leads to enhanced penalties.

There are five levels of misdemeanor DWI offenses in North Carolina. Judges use mitigating factors to determine which level to apply to an intoxicated individual. Such mitigating factors include:

  • The driver’s BAC
  • The driver’s driving record
  • Level of observable impairment
  • Voluntary submission or participation in assessment and treatment
  • And other factors

Ticket Impact on Auto 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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$4,358360%$3,411
Refused Breathalyzer/Chemical Test$4,011324%$3,064
Reckless Driving$1,74384%$796
Driving with a Suspended License$2,763192%$1,816
At-Fault Accident$1,40248%$455
Driving with an Open Container$1,27535%$328
Operating a Vehicle Without Permission$1,27535%$328
Passing a School Bus$1,71881%$771
Improper Passing$1,40348%$456
Following Too Closely$1,40348%$456
Failure to Stop at a Red Light$1,27535%$328
Illegal Turn$1,27535%$328
Driving Wrong Way/Wrong Lane$1,27535%$328
Failure to Yield$1,27535%$328
Speeding in a School Zone$1,30037%$353
Driving Too Slowly$1,30037%$353
Distracted Driving$1,23630%$289
Driving with Expired Registration$1,26534%$318
Failure to Show Documents$1,14221%$195
Not-at-Fault Accident$9571%$10
Failure to Use Child Safety Restraint$1,26534%$318
Failure to Wear a Seat Belt$1,26534%$318
Driving Without Lights$1,26534%$318

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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 Asheville, North Carolina, and the most expensive in Fayetteville, North Carolina.

RankCityAvg. Annual Premium
4Indian Trail$1,029
9Rocky Mount$976
16High Point$944
22Winston Salem$847
23Chapel Hill$846

Recent North Carolina Car Insurance Questions and Answers

Can it be cheaper to have two cars on an auto policy instead of just one?

Thank you for your question. This actually happens quite often.

How does the price of a non-owners policy compare to liability insurance?

A non-owners policy gives provides liability coverage so that they can drive a non-owned vehicle. As such, it will be much cheaper because there is no specific vehicle to insure.

Will using Amazon in-car delivery raise my insurance rate?

From what I understand, using Amazon's in-car delivery should not affect your insurance rates. Because the couriers don't drive your vehicle(s) and are simply dropping items off in a parked car, I don't see any concerning factors an insurance company would worry about — unless a courier vandalizes or steals your car, which seems unlikely. If you have any other questions, don't hesitate to ask.

Can a dismissed ticket affect my insurance?

The only likely scenario in which a dropped ticket would still affect you would be if there was an accident involved. If the ticket was dropped, but your insurance company paid out to any party for a claim, the accident would still show.

North Carolina Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the North Carolina area, while also getting an insider view of the Tar Heel State.


So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.


Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to

4. Please include...

your name, address, and phone number when you submit


Selected winner(s) will be awarded a check for $1,000


Applications must be received by 11:59 p.m. CST on December 31st, 2020


Winner(s) will be selected and notified by email by January 31st, 2021

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.