Cheap North Carolina Car Insurance

Compare the best rates from 9 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.


 

Cheap Car Insurance

What's the cheapest car insurance in North Carolina?
RankCompany NameAvg. Annual Premium
1Progressive$645
2Utica National$649
3Liberty Mutual$714
4NC Farm Bureau$723
5Penn National$732
6GEICO$735
7Titan$744
8State Farm$764
9Auto-Owners$861
10National General$899
11Allied$910
12Erie$913
13Travelers$918
14Peerless$982
15Nationwide$1,021
16Unitrin$1,022
17MetLife$1,028
18Encompass$1,052
19Safeco$1,055
20Allstate$1,075
21Dairyland$6,574

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
16$4,037$2,650
17$3,202$2,063
18$2,987$1,816
19$2,987$925

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%
DUI$1,65848.15%
Speeding Violation$1,28232.96%
Bad Credit$1,00614.60%

What are the Best Auto 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)
Allstate3Superior
Auto-Owners5Superior
Erie5Superior
GEICO3Superior
Liberty Mutual3Excellent
MetLife3Superior
Nationwide4Superior
Peerless3Excellent
Penn NationalNot RatedExcellent
Progressive3Superior
Safeco3Excellent
State Farm3Superior
Travelers3Superior
UnitrinNot RatedExcellent
Utica NationalNot RatedExcellent

 

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

Car Insurance Laws

State minimum insurance requirements in North Carolina

In North Carolina, the state minimum coverage requirements are as follows:
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

Liability coverage is legally required in North Carolina and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In North Carolina, the minimum is listed as 30/60/25 and explained below:

  • $30,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $60,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Uninsured/Underinsured Motorist coverage is legally required in North Carolina and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In North Carolina, the minimum is listed as 30/60/25 and explained below:

  • $30,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured/underinsured driver.
  • $60,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured/underinsured driver if more than one person is hurt.
  • $25,000 property damage coverage per accident. This is the maximum dollar amount that pays for damage caused to your vehicle by an uninsured/underinsured driver.

These numbers reflect the minimum limits required in North Carolina but higher coverage amounts are available with most companies.

North Carolina Car Insurance FAQs

What is the minimum car insurance in North Carolina?

In order to legally drive in North Carolina, you need to have bodily injury liability coverage of at least $30,000 per person and $60,000 per incident, as well as $25,000 in property liability damage.

Is car insurance required in North Carolina?

Yes — car insurance is required by law in North Carolina.

Why is North Carolina car insurance so expensive?

In 2017, North Carolina was the cheapest state on average in which to insure a vehicle. Minimum coverage in NC is 35% cheaper than it is in other US states. If you're paying too much for auto insurance, it could be because there are things on your driving profile — poor credit, accidents, or an overpriced insurance company — are causing you to pay more.

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
1Fayetteville$914
2Jacksonville$882
3Charlotte$824
4Gastonia$795
5Durham$781
6Wilmington$773
7Greensboro$771
8Cary$757
9Raleigh$752
10Goldsboro$750
11Huntersville$749
12Greenville$745
13Wilson$739
14High Point$738
15Indian Trail$738
16Rocky Mount$733
17Apex$732
18Hickory$725
19Chapel Hill$710
20Winston Salem$702
21Salisbury$698
22Burlington$685
23Concord$683
24Kannapolis$683
25Asheville$674

Recent North Carolina Car Insurance Questions and Answers

Will I lose my accident free discount if I file a hit and run claim?

Someone backed into my car at the grocery store. I didn’t know until I came out. Will my rates go ...

AUG 26, 2018
Can I insure vehicle I am driving in someone else’s name?

I currently don’t have insurance. My boyfriend’s sister is said for her to get insurance on the car in NC ...

AUG 19, 2018
Can my insurance company discover out of state ticket

My wife received a speeding ticket in North Carolina. We are residents of Pennsylvania. Researching online I learned the following ...

AUG 02, 2018

Driving Laws

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
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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.

Prompt

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 destrination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

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 scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

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

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2018

Notification

Winner(s) will be selected and notified by email by January 31st, 2019

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.

Click here to learn more