- Among the companies analyzed by CarInsurance.com, Progressive stands out as the cheapest option for full coverage car insurance in North Carolina, with an insurance premium of $122 per month.
- Drivers in North Carolina with a clean record pay 330% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in North Carolina is Cary, with an annual premium of $2,351.
- North Carolina drivers can save up to 45% annually on their auto insurance policy by comparing price quotes from multiple carriers.
You can find the cheapest full-coverage car insurance in North Carolina for $122 a month from Progressive. It saves you $98 compared to the state average car insurance cost of $220 monthly.
Shopping for car insurance in North Carolina can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“Drivers looking to get the cheapest insurance premiums in North Carolina should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
Which company offers the cheapest car insurance in North Carolina?
Progressive offers the cheapest car insurance rates in North Carolina for a full coverage policy with an average premium of $122 per month or around $1,460 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in North Carolina by different insurance carriers for a full coverage policy.
Cheapest car insurance rates in North Carolina per month
| Company | Full coverage monthly rates |
|---|---|
| Progressive | $122 |
| State Farm | $138 |
| Nationwide | $207 |
| Penn National Insurance | $226 |
| North Carolina Farm Bureau Insurance | $227 |
| GEICO | $259 |
| Allstate | $362 |
Who pays a lower insurance premium in North Carolina?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 6% less than single drivers.
- North Carolina drivers with clean records pay 330% less than drivers who have a DUI on their records.
- North Carolina drivers in their 20s pay 63% lower rates for insurance than a 16-year-old in North Carolina.
- Adding a teen to your policy will cost you 30% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 54% less on their insurance premiums.
- Drivers insured for three or more years can save up to 14% on their insurance costs.
Cheapest companies for different coverage levels in North Carolina
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- State Farm is the cheapest for a state minimum policy.
- State Farm has the cheapest rates for a liability-only policy (50/100/50).
- Progressive offers the cheapest car insurance for a full coverage policy (100/300/100) in North Carolina.
The numbers above (100/300/100) represent coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest companies for state minimum coverage in North Carolina
In North Carolina, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $50,000/$100,000 |
| Minimum property damage liability | $50,000 |
Read more about the minimum liability car insurance requirements by state
The following table lists North Carolina’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| Company | State minimum annual rates |
|---|---|
| State Farm | $499 |
| Progressive | $535 |
| Nationwide | $585 |
| North Carolina Farm Bureau Insurance | $669 |
| Penn National Insurance | $669 |
| GEICO | $845 |
| Allstate | $963 |
Cheapest liability-only coverage in North Carolina
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in North Carolina, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| State Farm | $499 |
| Progressive | $535 |
| Nationwide | $585 |
| North Carolina Farm Bureau Insurance | $669 |
| Penn National Insurance | $669 |
| GEICO | $845 |
| Allstate | $963 |
Cheapest car insurance companies in North Carolina for full coverage
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in North Carolina based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| Company | Full coverage annual rates |
|---|---|
| Progressive | $1,460 |
| State Farm | $1,653 |
| Nationwide | $2,486 |
| Penn National Insurance | $2,713 |
| North Carolina Farm Bureau Insurance | $2,719 |
| GEICO | $3,111 |
| Allstate | $4,342 |
Learn more about who has the cheapest full coverage auto insurance
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Cheapest car insurance in North Carolina, by driving history
Your driving history affects how much you pay for insurance in North Carolina because insurance companies use it to assess the risk associated with insuring a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $2,549 more annually in North Carolina than an individual with a clean driving record.
Cheap car insurance rates after a speeding ticket in North Carolina
If you’ve got a speeding ticket on your North Carolina driving record and need affordable car insurance, Progressive might be the answer. With an average annual rate of $2,034 , Progressive offers the cheapest full coverage auto insurance options for drivers with speeding tickets in North Carolina.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Progressive | $1,460 | $2,034 | 39% | $574 |
| State Farm | $1,653 | $2,315 | 40% | $662 |
| Nationwide | $2,486 | $3,500 | 41% | $1,014 |
| Penn National Insurance | $2,713 | $3,822 | 41% | $1,109 |
| North Carolina Farm Bureau Insurance | $2,719 | $3,829 | 41% | $1,110 |
| GEICO | $3,111 | $5,253 | 69% | $2,142 |
| Allstate | $4,342 | $6,641 | 53% | $2,299 |
Cheapest car insurance in North Carolina after a DUI conviction
Progressive offers the cheapest car insurance to North Carolina drivers with a DUI conviction at $5,359 per year and State Farm has the second-cheapest insurance premiums at $6,167 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 330% less than those with a history of DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| Progressive | $1,460 | $5,359 | 267% | $3,899 |
| State Farm | $1,653 | $6,167 | 273% | $4,514 |
| Nationwide | $2,486 | $9,443 | 280% | $6,957 |
| Penn National Insurance | $2,713 | $10,248 | 278% | $7,535 |
| GEICO | $3,111 | $14,834 | 377% | $11,723 |
| North Carolina Farm Bureau Insurance | $2,719 | $15,799 | 481% | $13,080 |
| Allstate | $4,342 | $18,068 | 316% | $13,726 |
Cheap car insurance companies in North Carolina after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is Progressive, at $2,091 a year.
On the other hand, State Farm offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $2,382 .
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| Progressive | $1,460 | $2,091 | 43% | $631 |
| State Farm | $1,653 | $2,382 | 44% | $729 |
| Nationwide | $2,486 | $3,591 | 44% | $1,105 |
| Penn National Insurance | $2,713 | $3,933 | 45% | $1,220 |
| North Carolina Farm Bureau Insurance | $2,719 | $3,941 | 45% | $1,222 |
| GEICO | $3,111 | $7,343 | 136% | $4,232 |
| Allstate | $4,342 | $8,405 | 94% | $4,063 |
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in North Carolina
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In North Carolina, Cary stands out as the city with the lowest auto insurance rates, at an average of $2,351 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in North Carolina with the most affordable car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Cary | $2,351 |
| Wilmington | $2,398 |
| Winston-Salem | $2,399 |
| Raleigh | $2,578 |
| Durham | $2,606 |
| High Point | $2,634 |
| Greensboro | $2,675 |
| Concord | $2,701 |
| Charlotte | $2,833 |
| Fayetteville | $2,844 |
Learn about the 10 most important factors that affect car insurance rates
Average savings on car insurance in North Carolina
If you compare car insurance quotes, you could enjoy an annual saving of around 45% on a full coverage policy in North Carolina.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in North Carolina: Save on premiums
In North Carolina, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in North Carolina below.
| Discount type | % difference | $ difference |
|---|---|---|
| Air Bags | 1% | $16 |
| Comp and Coll Deductibles | 8% | $214 |
| Days Advanced Purchase | 5% | $144 |
| Education | 12% | $309 |
| Electronic Funds Transfer | 6% | $161 |
| Homeowner | 4% | $107 |
| Loyalty – Years Renewal With Company | 12% | $312 |
| Marital Status | 6% | $147 |
| Multi Policy | 10% | $258 |
| Paperless/Electornic Documents | 4% | $108 |
| Payment Type | 7% | $185 |
| Primary Use | 21% | $549 |
| Profession | 11% | $278 |
| Safety Devices | 1% | $16 |
| Telematics | 8% | $224 |
| Years Insured | 21% | $565 |
| Years Licensed | 48% | $1,261 |
The bottom line on cheap car insurance in North Carolina
Based on our research, if you are a good driver, Progressive is the cheapest in North Carolina for a full coverage policy.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in North Carolina is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates from all the major insurers in nearly every ZIP code of North Carolina for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 50/100/50.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
*USAA is only available to military community members and their families.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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