Cheap North Carolina Car Insurance

Find affordable auto insurance that works for you in North Carolina. Compare quotes from over 100 top companies.

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The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

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?
RankCompany NameAvg. Annual Premium
1NC Farm Bureau$852
5State Farm$940

Compare quotes from dozens of insurance companies that provide coverage throughout North Carolina. Enter your ZIP code below to get started.

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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$42332.96%
No Accidents$44233.97%
Good Credit$14714.60%


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.

AgeAnnual Rate with ParentsAnnual Rate Alone


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

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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)

AllstateAbove averageAverageSuperior4.3 / 5
Auto-OwnersExcellentAbove averageSuperiorN/A
ErieAbove averageAbove averageSuperior4.5 / 5
MetLifeExcellentBelow averageExcellentN/A
NationwideAbove averagePoorSuperior4.3 / 5
NC Farm BureauN/AN/AExcellentN/A
ProgressiveBelow averageBelow averageExcellent4.3 / 5
State FarmAbove averageAbove averageSuperior4.5 / 5
TravelersBelow averageBelow averageSuperior4.3 / 5


North Carolina auto insurance laws

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

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.

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


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.

RankCityAvg. Annual Premium
10Winston Salem$847


Recent Questions:

Can an insurance company refuse to remove a child from my policy?

All members of your household, that are of driving age, need to be listed on your policy. You can either list them as a driver or you can exclude them.
Mar 1, 2019 Raleigh, NC

Do I have to accept the offer to pay out of pocket for car claim

There's a couple of things to think about here. One, if the at-fault driver offered to pay for the damage out of pocket rather than involve an insurance company and you do not want to do this, you are not obligated to.
Jul 26, 2018 Waynesville, NC

Am I covered for the weekend if I replace my old vehicle with a new one

Most insurance companies give you 14 days to update the policy with the new vehicle and will cover the new vehicle for those 14 days. Every company is different so make sure to check with your insurance company to for the exact information.
Feb 19, 2019 Charlotte, NC

Will a tree falling on your car be covered under liability?

Liability only provides coverage for damage you cause to other property so they would need their auto policy to include comprehensive coverage for the damage from the tree to be covered, unfortunately. They should contact their insurance company to see if, by chance, that was included, but if you know for a fact that their policy only included liability then they would have to pay for the damage out of pocket.
Oct 17, 2016 Richlands, NC

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.