The cheapest full coverage car insurance in North Carolina is $90, saving you $55 compared to the average cost of insurance in the state, which is around $145 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in North Carolina, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“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.
- Among the companies analyzed by CarInsurance.com, Erie Insurance stands out as the cheapest option for full coverage car insurance in North Carolina, with an insurance premium of $90 per month.
- Drivers in North Carolina with a clean record pay 76% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in North Carolina is Lake Junaluska, with an annual premium of $1,477.
- North Carolina drivers can save up to 38% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Which company offers the cheapest car insurance in North Carolina?
Erie Insurance offers the cheapest car insurance rates in North Carolina for a full coverage policy with an average premium of $90 per month or around $1,082 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 |
|---|---|
| Erie Insurance | $90 |
| State Farm | $98 |
| North Carolina Farm Bureau | $101 |
| Nationwide | $126 |
| GEICO | $135 |
| Penn National Insurance | $156 |
| Farmers | $169 |
| Progressive | $169 |
| UTICA Grp | $173 |
| Allstate | $249 |
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 76% less than drivers who have a DUI on their records.
- North Carolina drivers in their 20s pay 62% lower rates for insurance than a 16-year-old in North Carolina.
- Adding a teen to your policy will cost you 58% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 56% less on their insurance premiums.
- Drivers insured for three or more years can save up to 16% 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:
- Erie Insurance is the cheapest for a state minimum policy.
- Erie Insurance has the cheapest rates for a liability-only policy (50/100/50).
- Erie Insurance 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 state minimum coverage in North Carolina
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In North Carolina, you must have at least the following insurance coverage on your car.
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $30,000/$60,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
Below, you’ll see average annual rates for major insurance providers in North Carolina, ranked from cheapest to most expensive for state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| Erie Insurance | $309 |
| State Farm | $331 |
| North Carolina Farm Bureau | $338 |
| Nationwide | $425 |
| GEICO | $492 |
| Penn National Insurance | $493 |
| Farmers | $530 |
| Progressive | $530 |
| Allstate | $667 |
| UTICA Grp | $695 |
Cheapest insurance providers for liability-only coverage in North Carolina
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in North Carolina, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $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 |
|---|---|
| Erie Insurance | $345 |
| State Farm | $370 |
| North Carolina Farm Bureau | $380 |
| Nationwide | $405 |
| GEICO | $539 |
| Penn National Insurance | $547 |
| Farmers | $588 |
| Progressive | $588 |
| Allstate | $737 |
| UTICA Grp | $768 |
Cheapest full coverage in North Carolina
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in North Carolina, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full coverage annual rates |
|---|---|
| Erie Insurance | $1,082 |
| State Farm | $1,180 |
| North Carolina Farm Bureau | $1,217 |
| Nationwide | $1,513 |
| GEICO | $1,617 |
| Penn National Insurance | $1,872 |
| Farmers | $2,028 |
| Progressive | $2,028 |
| UTICA Grp | $2,070 |
| Allstate | $2,994 |
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in North Carolina by driving history
In North Carolina, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In North Carolina, drivers with a history of such violations typically pay $1,326 more annually than drivers with clean records.
Cheap car insurance rates in North Carolina after a speeding ticket
A speeding ticket can impact your North Carolina car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, Nationwide has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,582 a year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Nationwide | $1,135 | $1,582 | 39% | $447 |
| Erie Insurance | $1,075 | $1,670 | 55% | $596 |
| North Carolina Farm Bureau | $1,265 | $1,777 | 40% | $512 |
| State Farm | $1,251 | $1,826 | 46% | $574 |
| Kemper Insurance | $1,071 | $1,850 | 73% | $779 |
| GEICO | $1,034 | $1,973 | 91% | $940 |
| National General Insurance | $1,539 | $1,988 | 29% | $449 |
| Progressive | $1,860 | $2,638 | 42% | $778 |
| Allstate | $2,339 | $3,381 | 45% | $1,042 |
Cheap car insurance rates after a DUI conviction in North Carolina
CarInsurance.com analyzed insurance rates for North Carolina drivers with DUI convictions and we found that National General Insurance provides the cheapest car insurance rates at an average annual premium of $4,020. Nationwide is the second-cheapest insurer at an average of $4,249 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 76% less than drivers with a DUI on their record.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| National General Insurance | $1,539 | $4,020 | 161% | $2,480 |
| Nationwide | $1,135 | $4,249 | 274% | $3,114 |
| Erie Insurance | $1,075 | $4,492 | 318% | $3,417 |
| Kemper Insurance | $1,071 | $4,571 | 327% | $3,500 |
| North Carolina Farm Bureau | $1,265 | $4,747 | 275% | $3,481 |
| State Farm | $1,251 | $5,078 | 306% | $3,827 |
| GEICO | $1,034 | $6,904 | 568% | $5,870 |
| Progressive | $1,860 | $7,147 | 284% | $5,287 |
| Allstate | $2,339 | $9,938 | 325% | $7,599 |
Cheap car insurance rates in North Carolina after an at-fault accident
If you’re a driver with an at-fault accident on your record, Kemper Insurance is the cheapest option, offering car insurance at an average cost of $1,699 annually.
Erie Insurance is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $1,719.
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| Kemper Insurance | $1,071 | $1,699 | 59% | $628 |
| Erie Insurance | $1,075 | $1,719 | 60% | $644 |
| North Carolina Farm Bureau | $1,265 | $1,828 | 44% | $563 |
| State Farm | $1,251 | $1,884 | 51% | $632 |
| Nationwide | $1,135 | $1,937 | 71% | $802 |
| National General Insurance | $1,539 | $2,239 | 45% | $700 |
| Progressive | $1,860 | $2,715 | 46% | $855 |
| GEICO | $1,034 | $2,821 | 173% | $1,787 |
| Allstate | $2,339 | $4,317 | 85% | $1,978 |
Check out the most affordable insurance options in your neighboring state
North Carolina cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Lake Junaluska is the city with the lowest premiums in North Carolina at an annual auto insurance rate of $1,477.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Find below a list of North Carolina cities with the lowest car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Lake Junaluska | $1,477 |
| Marble | $1,488 |
| Marshall | $1,489 |
| Cherokee | $1,490 |
| Highlands | $1,494 |
| Tuckasegee | $1,494 |
| Robbinsville | $1,497 |
| Franklin | $1,498 |
| Hayesville | $1,499 |
| Otto | $1,499 |
Explore the top 10 factors that influence car insurance rates
How much can you save on auto insurance in North Carolina?
Shopping around for car insurance quotes in North Carolina can help drivers save 38% annually on full coverage policies.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in North Carolina: Save on premiums
North Carolina drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in North Carolina.
| Discount type | % difference | $ difference |
|---|---|---|
| Air bags | 1% | $16 |
| Anti-theft device | 1% | $8 |
| Daily commute | 2% | $21 |
| Days advanced purchase | 9% | $194 |
| Education | 9% | $145 |
| Electronic funds transfer | 6% | $144 |
| Homeowner | 3% | $83 |
| Loyalty – years renewal with company | 13% | $174 |
| Marital status | 6% | $70 |
| Multi policy | 8% | $147 |
| Paperless/electornic documents | 2% | $27 |
| Payment type | 6% | $125 |
| Primary use | 19% | $314 |
| Profession | 5% | $74 |
| Safety devices | 1% | $13 |
| Telematics | 11% | $221 |
| Years insured | 14% | $547 |
| Years licensed | 48% | $2,367 |
The bottom line on cheap car insurance in North Carolina
Based on our research, if you are a good driver, Erie Insurance 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 in 2023 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 30/60/25.
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.
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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