Car Insurance in North Carolina
- Progressive offers the cheapest liability and full coverage auto insurance in NC
- Compare the cheapest car insurance quotes in NC from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Car insurance quotes in North Carolina
Securing affordable car insurance in North Carolina is more manageable than in many other states, with the average full coverage policy costing around $766 for six months — cheaper than the national average.[1] However, 44% of North Carolinians still feel they are paying too much for car insurance.[2]
For those prioritizing price, Progressive offers the cheapest minimum liability and full coverage insurance in North Carolina. For those willing to pay a bit more for better customer support and additional features, Erie provides the best balance of affordability and service.
- Progressive is the cheapest full insurance coverage in North Carolina at $61/mo.Â
- See the other cheapest full coverage insurance companies and best discounts in North Carolina ↓
- Progressive has the cheapest minimum liability insurance coverage in North Carolina at $33/mo.Â
- Read about the rest of the top and best companies in North Carolina ↓
- As the top-rated carrier in the region, Erie scored 676 out of 1000 in J.D. Power’s 2024 auto insurance customer satisfaction study.[3] For eligible members, USAA was also highly rated.
- Read more about why we've ranked Erie Insurance as a great fit for many North Carolina ↓
- The Zebra named Erie the best overall company for North Carolinian drivers based on third-party reviews from J.D. Power, AM Best, and thousands of customer ratings in North Carolina.
- Read more about why we've ranked Erie as a great fit for many North Carolinians ↓
Cheap liability insurance in North Carolina
The average cost of a six-month liability insurance policy in North Carolina is $329, 38% than the national average. For our user profile, Progressive, Erie, and State Farm offer the most affordable liability coverage in the state.
For affordable car insurance, minimum liability coverage is often a popular choice. While it meets legal requirements, it’s important to consider the potential risks, as minimal coverage offers more limited protection. Check the table below for a good starting point if you’re looking for budget-friendly coverage in North Carolina.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $197 | $33 |
| Erie | $237 | $39 |
| State Farm | $237 | $40 |
| GEICO | $301 | $50 |
| North Carolina Farm Bureau | $375 | $63 |
| Nationwide | $439 | $73 |
| Allstate | $555 | $93 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
According to our data, 38% of North Carolina drivers insure their vehicles with liability coverage only. The North Carolina Department of Insurance requires minimum liability limits of 30/60/25, meaning $30,000 per person and $60,000 per accident for bodily injury, plus $25,000 for property damage per accident. Additionally, NC requires uninsured/underinsured motorist coverage at the same 30/60/25 levels, ensuring protection in case you’re involved in an accident with a driver who lacks adequate insurance.
For more details, check out our page covering the specifics of North Carolina car insurance limits and laws.
*North Carolina's minimum required auto insurance coverage increases in July of 2025 to 50/100/25.
Updating data...
| Company | Liability Coverage | Full Coverage |
|---|---|---|
| Progressive | $197 | $369 |
| Erie | $237 | $567 |
| State Farm | $237 | $512 |
| GEICO | $301 | $711 |
| North Carolina Farm Bureau | $375 | $926 |
| Nationwide | $439 | $1,107 |
| Allstate | $555 | $1,417 |
Source: The Zebra
Minimum liability insurance in North Carolina covers the state’s legal requirements, but it may not be enough for every driver. These lower limits can be quickly exceeded in serious accidents, leaving you financially vulnerable.
Cheap full coverage insurance in North Carolina
In 2025, a 6-month full coverage policy in North Carolina costs $766. The state’s contributory negligence law likely influences the decision of 62% of North Carolina drivers to opt for full coverage.[2,4] Under this law, being even slightly at fault in an accident can prevent you from recovering damages, making comprehensive protection more appealing.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $369 | $61 |
| State Farm | $512 | $85 |
| Erie | $567 | $94 |
| GEICO | $711 | $119 |
| North Carolina Farm Bureau | $926 | $154 |
| Nationwide | $1,107 | $184 |
| Allstate | $1,417 | $236 |
Source: The Zebra
Find the best coverage and price in North Carolina with The Zebra.
What are the best car insurance companies in North Carolina?
We recognized Erie Insurance as one of the top car insurance providers in North Carolina based on a combination of customer feedback, third-party ratings from J.D. Power and AM Best, and a thorough review of their coverage options and discounts.
Below, you’ll find a breakdown of the advantages and disadvantages of choosing Erie Insurance, along with a price comparison of other highly-rated insurance companies in North Carolina.
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High customer ratings
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Highly customizable coverage
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Local agents
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ERIE Rate Lock
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Erie Auto Plus endorsement (diminishing deductible, waved deductible for some claims, extra loss of use coverage )
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Only available in 12 states (including NC)
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Limited web-based services (e.g. inability to add Auto ID card to Apple Wallet)
Best car insurance in North Carolina — honorable mentions
To determine the best companies, we looked at J.D. Power Auto ratings and consumer reviews we collected from nearly 3000 drivers across North Carolina and the US.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $512 | $85 |
| Erie | $567 | $94 |
| North Carolina Farm Bureau | $926 | $154 |
| Nationwide | $1,107 | $184 |
Source: The Zebra
How did we pick what company has the "Best Value" in North Carolina?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2024 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in North Carolina
- Available coverage options
- The author's 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Car insurance in popular North Carolina cities
Rates can vary significantly depending on the city you live in. Factors such as traffic density, crime rates, and even local weather patterns can influence your premium. To help you better understand what to expect, here’s a breakdown of what you can expect to pay for car insurance in some of North Carolina’s largest cities.
Updating data...
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Winston-Salem | $708 | $118 |
| Durham | $742 | $124 |
| Raleigh | $771 | $128 |
| Greensboro | $788 | $131 |
| Charlotte | $896 | $149 |
Source: The Zebra
Cheap auto insurance for teens and young drivers in North Carolina
Affordable auto insurance for teens and young drivers in North Carolina is often hard to find. Drivers aged 16 to 25 typically face much higher rates, with the steepest prices often hitting those between ages 16 and 19. Due to the higher risk associated with inexperienced drivers, teens pay more than three times the national average for car insurance. In North Carolina, the cost is particularly high, with teen drivers paying around $1,800 per 6-month period — 235% above the state average.[1]Â
Teens (or their families) looking to save money should consider Progressive, State Farm, and Erie as they offer the cheapest average rates for teens in North Carolina.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $808 | $135 |
| State Farm | $1,133 | $189 |
| Erie | $1,225 | $204 |
| GEICO | $1,771 | $295 |
| North Carolina Farm Bureau | $2,243 | $374 |
| Nationwide | $2,610 | $435 |
| Allstate | $3,153 | $526 |
Source: The Zebra
Updating data...
| Company | 16-year-old | 17-year-old | 18-year-old |
|---|---|---|---|
| Erie | $1,883 | $1,770 | $1,627 |
| GEICO | $2,842 | $2,354 | $2,093 |
| Travelers | $3,487 | $1,647 | $1,381 |
| USAA | $4,471 | $3,091 | $2,586 |
| Allstate | $4,497 | $3,767 | $3,357 |
| Progressive | $4,658 | $3,590 | $3,122 |
| State Farm | $5,691 | $4,343 | $3,824 |
Source: The Zebra
Zebra Tip: 3 ways young drivers can save on car insurance
- Complete an approved defensive driving course to qualify for discounts and reduce accident risk.
- Choose a less expensive car with good safety ratings and low repair costs over high-performance models.
- Stay on a parent's policy to save money and benefit from their good insurance history.
Licensed. Knowledgeable. Helpful.
Meet our team of experts— ready to help you through your insurance journey.
Find your best value insurance match with The Zebra.
How have car insurance costs in North Carolina changed?
In North Carolina, average annual auto insurance costs increased by $72 in the past year. The biggest drop in rates occurred in 2018, which was an unusual deviation from the general trend of steady premium increases​. Over the last five years, rates have increased by an average of $47 annually.
| Year | Avg. Annual Premium | Yearly Change |
|---|---|---|
| 2024 | $1,236 | $72 |
| 2023 | $1,164 | $16 |
| 2022 | $1,148 | $81 |
| 2021 | $1,067 | $56 |
| 2020 | $1,011 | $8 |
| 2019 | $1,003 | $35 |
| 2018 | $968 | -$828 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
North Carolina auto insurance quotes after an accident or ticket
Driving history plays a big part in how much you pay for insurance coverage in North Carolina. Those with a recent at-fault accident will almost always see higher rates, as insurers will see you as being higher risk. On average, an at-fault accident can cause car insurance rates to increase to as much as $1,843 per year.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $548 | $91 |
| State Farm | $753 | $126 |
| Erie | $885 | $147 |
| GEICO | $1,357 | $226 |
| North Carolina Farm Bureau | $1,406 | $234 |
| Nationwide | $1,859 | $310 |
| Allstate | $3,087 | $514 |
Source: The Zebra
Zebra Tip: Don't forget about claims satisfaction
Ideally, you'll never need your insurance, but if you do, a stress-free experience is crucial. In our 2024 Customer Satisfaction Survey, we gauged satisfaction among those who filed claims. Erie emerged as a great choice and is worth considering if you live in North Carolina.
In North Carolina, a bad driving record will cause your rates to skyrocket. If you receive a ticket, your auto insurance premiums may get more expensive. That amount 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.
Source: The Zebra
North Carolina DUI laws
A DUI offense in North Carolina can increase your annual car insurance premium by 326% to an average of $6,538. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in North Carolina
Those with a DUI or DWI violation in North Carolina must consider insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in North Carolina, Progressive, has an annual average rate that is substantially less than the statewide average insurance rate with a DUI.Â
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $1,475 | $246 |
| State Farm | $2,042 | $340 |
| Erie | $2,432 | $405 |
| GEICO | $3,085 | $514 |
| Nationwide | $4,174 | $696 |
| North Carolina Farm Bureau | $6,006 | $1,001 |
| Allstate | $6,406 | $1,068 |
Source: The Zebra
Car insurance rates for drivers with a dui on their record, including rates from top carriers like Erie, Allstate, and Progressive
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
North Carolina SR-22 insurance
The state of North Carolina does not utilize the SR-22. Instead, the stead operates on a system called the Safe Driver Incentive Plan. This plan assigns a certain amount of "insurance points" based on the seriousness of the infraction. Drivers will see a corresponding percentage increase to their rates. For instance, driving with a blood-alcohol level over .08 amounts in 12 points and a 340% rate increase.
Finding cheap auto insurance with a serious traffic infraction in North Carolina might require some research, but it often pays off in the end.
North Carolina car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding North Carolina auto insurance.
Save money on your next car insurance policy!
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
NC Department of Insurance. After an Accident
2024 Customer Satisfaction Survey. The Zebra
RECENT QUESTIONS ABOUT CAR INSURANCE IN NC
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Learn more about car insurance in North Carolina:
- Temporary Car Insurance in North Carolina
- Car Insurance in Durham, NC
- Concord, NC Car Insurance
- Car Insurance in Wilmington, NC
- Car Insurance with a DUI in North Carolina
- Average Cost of Auto Insurance in North Carolina
- Car Insurance in Greensboro, NC
- Car Insurance in Raleigh, NC
- High Point, NC Car Insurance
- Car Insurance in Charlotte, NC
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 editorial 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.