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Updated on Feb 7, 2025

R.E. Fulton

Expert Insurance Writer and Editor

Reviewed by Josh Damico, Head of Insurance Operations

Edited by Lina Zhang, Lisenced Insurance Agent

Learn more about our insurance review board

What's on this page?

How to find the cheapest car insurance quotes in North Carolina
Cheapest car insurance companies in North Carolina
North Carolina Car Insurance Coverage Requirements
North Carolina Car Insurance Rating Factors
How Do Different Factors Impact Your Car Insurance Costs in Utah?
Car Insurance for High-Risk North Carolina Drivers
Car Insurance for North Carolina Drivers With DUI
Car Insurance for North Carolina Drivers With a Coverage Lapse
Car Insurance for North Carolina Drivers With a Low Credit Score
Cheapest North Carolina car insurance by age
Cheapest car insurance for popular cars
North Carolina cheapest car insurance by location
How to lower the cost of car insurance in North Carolina
FAQs
Methodology
Meet our Experts

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How to find the cheapest car insurance quotes in North Carolina

Popular

car insurance

companies may be well known, but there isn’t a single provider that offers the best rates for every driver. To find the most affordable

car insurance rates

, you’ll need to

shop around

and compare quotes from multiple providers.

Date	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
February 7, 2025	Progressive	$152	Billy, 38 Charlotte, NC	Audi Q5 Premium	• 50,000/100,000 Liability • Comp / Collision
February 1, 2025	Allstate	$83	Tony, 30 Charlotte, NC	Hyundai Sonata Hybrid	• 100,000/300,000 Liability
January 29, 2025	Safeco	$259	Shane, 34 Durham, NC	Honda CR-Z EX	• 100,000/300,000 Liability • Comp / Collision
January 21, 2025	Nationwide	$81	Mathilda, 38 Gastonia, NC	Mitsubishi Mirage LS	• State Minimum Liability • Comp / Collision
January 19, 2025	AAA	$111	Ruth, 30 Raleigh, NC	Toyota 4runner SR5	• 50,000/100,000 Liability • Comp / Collision

Last Updated Feb 7, 2025

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Cheapest car insurance companies in North Carolina

To find out which insurance company offers the cheapest car insurance rates in North Carolina and throughout the country, Jerry surveyed 15,000 policyholders—the largest insurance shopping survey in the nation.

Insurance company	Date	City	Cost rating (out of 5)	What our customer said:
Progressive	February 6, 2025	Charlotte, NC	5	"Saving $120/month for the same coverage since switching to Progressive. Wishing I switched over sooner!" -Oscar
Anchor General	February 6, 2025	Charlotte, NC	5	"Nationwide have been so easy to work with, right from the start. A lot of coverages included at a price way less than...(read more)" -Charlie
Allstate	February 6, 2025	Burlington, NC	5	"Allstate offers competitive rates as well as great perks for good drivers. " -Caleb
Progressive	February 5, 2025	Greensboro, NC	5	"Simple and fast transfer to their company!" -Jonathan
Allstate	January 25, 2025	Greensboro, NC	5	"I'm a father of four and I drive a pickup truck daily, so, let's just say that money is right. However, I was able to...(read more)" -Jeanette

Last Updated Feb 6, 2025

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

The best way to find the coverage you need at the best price is to compare rates from multiple companies. Jerry offers a free app that streamlines this process, delivering quick quote comparisons and support from a network of over 100 licensed insurance agents.

Minimum liability and full coverage insurance requirements in North Carolina

As per

North Carolina’s insurance laws

, all drivers in North Carolina must carry the state’s minimum liability coverage along with uninsured motorist coverage. In an at-fault state like NC, full coverage can help protect your vehicle from damage.

Cheapest minimum liability coverage car insurance quotes in North Carolina

To legally drive and register a vehicle in North Carolina, you must purchase the state’s minimum liability coverage requirements—at least $30,000 per person and $60,000 per accident for

bodily injury liability

, plus $25,000 in

property damage liability

per accident.

This sequence of coverage is commonly referred to as 30/60/25.

Here are some cases where Jerry helped Old North State drivers find minimum liability coverage at the cheapest rates.

Do you need more than minimum coverage in North Carolina ?

North Carolina’s minimum liability coverage is fairly low, so you may want higher limits or additional coverage.

If an at-fault accident were to occur, you could be held liable for medical expenses and repairs that exceed the 30/60/25 limit. Serious injuries to another person or a totaled car could result in costs of more than $40,000.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

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Cheapest full coverage car insurance quotes in North Carolina

To protect yourself from the costs of repairing or replacing your car in the event of an at-fault accident, full coverage is your best—and only—option.

Full coverage includes

comprehensive

and

collision coverage

Collision coverage deals with the cost of fixing or replacing your car after an accident

Comprehensive coverage kicks in if your car is stolen or damaged by a non-collision incident

Lenders typically require collision and comprehensive coverage for a leased vehicle.

The table below shows some recent examples of the cheapest full coverage policies that Jerry’s agents helped our customers obtain.

Average rates for minimum liability coverage and full coverage car insurance in North Carolina

After working with thousands of auto insurance policyholders in the Tar Heel State, we’ve found that the average cost of minimum liability coverage is $393 per month or $4,715 per year. The average cost of full coverage insurance is $0 per month or $6,578 per year in NC.

Insurance coverage	Average insurance cost (monthly)	Average insurance cost (yearly)
State minimum coverage	$86	$1,037
Full coverage	$102	$1,227

Average car insurance expenses can help you estimate potential insurance costs—but each driver’s insurance premium will be different. Your coverage type, driving history, location, vehicle make and model, age, and claims history will all impact your rate.

Other types of North Carolina auto insurance

You might wish to bump up your coverage with some of the following options:

Medical payments (MedPay)

Uninsured/underinsured motorist

Towing and labor

Rental reimbursement coverage

Gap coverage

Non-owner car insurance

If you have a loan on a recently-purchased car: Think about adding gap insurance to your policy. If your vehicle is stolen or deemed a total loss, gap insurance will cover you if you owe more than the car is worth.

MORE:

Types of insurance

Not in North Carolina?

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South Carolina car insurance

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Maryland car insurance

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Kentucky car insurance

Georgia car insurance

Ohio car insurance

Car insurance premium by rating factors

Insurance companies in North Carolina use multiple factors to determine your car insurance rate:

Your driving record and claims history: Safe drivers with clean driving records and zero insurance claims are typically quoted the lowest rates.

Where you keep and drive your car: Rates are usually higher for those who live and drive in high-density cities. ZIP codes within the same city can also have an impact on your premium.

The kind of car you have: Minimum liability insurance and full coverage are more costly for high-tech, luxury, high-performance, and sports cars.

How you use your car: If you only use your vehicle for leisurely driving, your car insurance rates will be lower than if you drive to and from work on a daily basis.

How Do Different Factors Impact Your Car Insurance Costs in Utah?

Allowed (with applicable limitations): Driving experience, credit history, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Gender, age, education.

Learn more about the car insurance rating factors in Alabama:

Cheapest North Carolina car insurance after a driving violation

Your driving history—including any tickets or accidents—will impact your auto insurance premium. A history of violations or at-fault accidents can indicate a higher risk level, which will result in higher rates.

Cheapest car insurance for North Carolina drivers with a speeding ticket

There are varying levels of speeding that incur more serious repercussion with higher levels:

1-5 mph over limit

6-10 mph over limit

11-15 mph over limit

16-20 mph over limit

21+ mph over limit

A speeding ticket on your driving record will typically affect your car insurance rates. See how Jerry has helped drivers with speeding tickets find lower insurance rates.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Speeding 1-5	Progressive	$141	Jack, 24 Mebane, NC	• 50,000/100,000 Liability • Comp / Collision
Speeding 6-10	Safeco	$89	Elmer, 25 Charlotte, NC	• 50,000/100,000 Liability
Speeding 11-15	Nationwide	$85	Juan, 28 Wilmington, NC	• State Minimum Liability • Comp / Collision
Speeding 16-20	Allstate	$176	Eugenia, 31 Kannapolis, NC	• 50,000/100,000 Liability • Comp / Collision
Speeding 21+	National General	$268	Roy, 26 Midland, NC	• 100,000/300,000 Liability • Comp / Collision

Last Updated Feb 6, 2025

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

So far i love progressive. No issues and easy to use

David-1

Safeco was able to save me $70 monthly to ensure my 2 cars, very satisfied!

Honestly could not be more great full for the great quote they gave me! This provider saved me from paying over $500mo. THANK YOU!

Natalie

Very cheap and convenient coverage

Keneil

Cheapest auto insurance in North Carolina after a DUI

With a

DUI

on your driving record, most insurance companies will quote you higher-than-average rates. To secure the best rate after a DUI offense, it’s important to gather quotes from various providers.

Jerry frequently helps drivers score savings on their auto insurance after a DUI.

North Carolina SR-22 insurance

In most states, high-risk drivers must file an

SR-22

after a serious violation like a DUI. An SR-22 is a certificate that proves you carry at least the minimum required insurance.

In North Carolina, high-risk drivers need to file a DL-123 to get their license reinstated instead. You usually need a DL-123 filings are usually required for the following reasons:

DUI or DWI conviction

Driving without insurance

Repeated traffic violations within a short period

Multiple at-fault collisions

Cheapest North Carolina auto Insurance after an at-fault accident

Insurance companies use your history of at-fault accidents to assess your risk level. Recent at-fault accidents or numerous claims can significantly raise your premiums.

Check outthe table below for a closer look at car insurance rates for North Carolina drivers after car accidents.

Accident Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
At Fault With Injury	Progressive	$106	Belle, 31 Bolivia, NC	• State Minimum Liability • Comp / Collision
At Fault With No Injury	Allstate	$210	Dora, 26 Canton, NC	• 50,000/100,000 Liability • Comp / Collision
Not At Fault	Allstate	$207	Olga, 25 Jacksonville, NC	• State Minimum Liability • Comp / Collision
At Fault With No Injury	Allstate	$83	Harvey, 29 Charlotte, NC	• 100,000/300,000 Liability
At Fault With Injury	Bristol West	$131	Carl, 35 Charlotte, NC	• 50,000/100,000 Liability

Last Updated Feb 1, 2025

FAQs

Is North Carolina an At-Fault State?

Yes, North Carolina is an at-fault state. This means once liability is accepted and coverage is confirmed, the at-fault driver’s insurance will cover medical payments for injuries associated with the not-at-fault driver and their passengers, plus damages to the other driver’s vehicle.

Drivers aren’t legally required to purchase medical payments coverage (MedPay), but it’s a good add-on to cover personal medical bills. Uninsured motorist coverage can also be handy in case you’re involved in a not-at-fault accident with an uninsured/underinsured driver.

The bottom line: It’s wise to add MedPay and uninsured/underinsured motorist coverage to your car insurance policy. They’ll provide extra financial protection for both at-fault and not-at-fault accidents.

Cheapest auto insurance after other violations in North Carolina

Speeding tickets and DUIs are serious, but they aren’t the only violations that can increase your car insurance premiums.

Reckless or careless driving

, driving without insurance, or driving without a valid license can all hike up your car insurance rates in North Carolina.

Browse the table below to see how Jerry has helped drivers save on their car insurance after serious violations.

How to find cheap North Carolina car insurance after a car insurance lapse

Whether you are currently insured—and have been consistently insured over time—can impact your car insurance rates. Any

lapse in your insurance coverage

can lead to higher premiums.

Jerry sends helpful payment reminders to qualifying customers to ensure on-time payments and avoid coverage lapses.

See how uninsured customers and drivers with lapses in coverage find savings on their new policies with Jerry.

Cheapest North Carolina car insurance for drivers with poor credit

In North Carolina, insurance companies use credit scores as a risk predictor for policyholders. While your credit rating isn’t a direct indicator of your driving habits, statistics show that individuals with low credit scores are more likely to file claims than those with high credit scores.

The table below highlights car insurance rates for North Carolina drivers with varying credit scores.

How to find cheap auto insurance in North Carolina for your age

Young drivers with minimal driving experience tend to pay higher premiums, even with a clean

driving record

. Senior drivers in their mid-70s also typically face higher insurance rates.

Cheapest North Carolina car insurance for young drivers

Teen drivers from ages 16 to 19 typically pay the highest rates for car insurance in North Carolina.

Teen drivers are more likely to get into accidents due to their limited driving experience, so it's a good idea to ensure they have full coverage insurance—especially if they’re driving a newer vehicle.

Cheapest North Carolina car insurance for senior drivers

Although they have a wider range of driving experience,

senior drivers

are more likely to get into

car accidents

that result in serious injuries and high medical bills. For this reason, older drivers may see a rise in their insurance rates once they reach 70 to 75 years old.

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:

So far so good

Tracy

Excellent and very friendly - keep going

Rohit

Got me covered fully for half the price of the competition, one happy customer over here!

Jacob-1

Happy with my insurance coverage and rate Jerry really helped me find the best rate to fit my needs.

Amanda

Cheapest car insurance for popular cars

Insurance providers take your vehicle’s make and model into account when determining your car insurance rate. High-tech features, safety technology, pricey parts, and the likelihood of theft will contribute to either raising or lowering your premium.

Popular car models in North Carolina include:

Ford F-150

Chevy Silverado

Honda CR-V

Toyota Camry

Dodge RAM 1500

MORE:

How to get car insurance before buying a car

Car insurance cost for new vs. old car

Newer vehicles typically include pricier parts, updated tech, and savvy safety features that make them more expensive to insure than older cars.

On average, full cover insurance for a vehicle 10 years or older costs$0 in North Carolina. Newer vehicles of four years or less average $0 for full coverage.

North Carolina cheapest car insurance by location

Population density, accident rates, crime and theft statistics, and weather patterns in your town or city all affect your premiums. Your ZIP code can even cause variation.

Scan the table below to see how Jerry Insurance Agency helps drivers in different North Carolina cities find affordable rates.

How to lower the cost of car insurance in North Carolina

There are more than a few ways you can lower your insurance expenses in North Carolina. Take a look at these suggestions from Jerry’s team of licensed insurance agents:

Shop around: Collect and compare quotes from different providers.

Bundle policies: For a multi-policy discount, bundle your car insurance with homeowners insurance.

Ask about

discounts

: You may be eligible for insurance discounts, such as good student discounts, good driver discounts, discounts for completing a defensive driving course, low mileage discounts, safe driver discounts with the use of a telematics app, discounts for anti-theft devices, etc.

Raise your deductible: Increase your deductible for your comprehensive and collision coverage.

Improve your credit: Higher credit scores typically result in lower insurance rates.

Why does car insurance cost this much in North Carolina

The following factors can result in higher-than-average insurance premiums in North Carolina:

High population rates: North Carolina is home to over 10 million people.

Uninsured drivers: 7.4% of drivers in North Carolina are uninsured, which is fairly high compared to their population count.

Expensive healthcare: High healthcare costs in North Carolina impact car insurance rates.

Higher highway density: North Carolina is filled with drivers that frequently crowd roads and highways.

Car theft rates: In 2021, 20,520 vehicles were stolen in North Carolina.

FAQs

Is car insurance cheaper in North Carolina?

North Carolina car insurance can be cheaper than the national average. Car insurance rates are dependent on multiple factors, so some policyholders may pay higher than average prices for minimum or full coverage policies.

Who has the best cheap car insurance in North Carolina?

There isn’t a specific provider that offers the best car insurance rates to all drivers in North Carolina.

To find cheap car insurance, drivers should compare quotes from multiple insurance companies. Using a car insurance comparison app or website can streamline the process.

What is the minimum car insurance required in North Carolina?

North Carolina residents must purchase the state’s minimum liability coverage requirements to legally drive a vehicle on state roads and highways. These requirements include at least $30,000 per person and $60,000 per accident for bodily injury liability, and $25,000 in property damage liability per accident.

Do you need insurance to register a car in North Carolina?

Yes, you must have your proof of insurance to

. You also need a driver’s license or photo ID, your vehicle title, your lien release (if applicable), the bill of sale, and all necessary forms.

Can your car get towed for no insurance in North Carolina?

Under Bill H 344, your vehicle may also be towed and impounded if you are found driving in North Carolina without car insurance.

Does insurance follow the car or the driver in North Carolina?

According to North Carolina law, most insurance policies cover you, your family members, and people with permission to drive your car.

Your liability car insurance will

follow your vehicle

, thus providing coverage even if you’re not driving it. Collision coverage and comprehensive coverage also follow the car, not the driver—but medical payments coverage will follow the driver.

What does full coverage car insurance consist of in North Carolina?

Full coverage car insurance in North Carolina includes the state’s minimum liability requirements, collision coverage, and comprehensive coverage.

Can you have out-of-state car insurance in North Carolina?

North Carolina residents are required to have in-state car insurance. Out-of-state coverage is not allowed in North Carolina.

That said, your North Carolina car insurance policy will cover you when driving in all 50 states and Canada.

How much is car insurance in North Carolina?

Minimum liability car insurance can cost North Carolina drivers an average of $0 per month and $0 per year. For full coverage, North Carolinians can expect average costs of around $0 per month and $0 per year.

Can you have both PIP and MedPay in North Carolina?

Personal injury protection (PIP) is generally not offered in North Carolina. Drivers can opt for MedPay (medical payments coverage), which offers compensation for medical bills regardless of who is found at fault in an accident.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton

Expert Insurance Writer and Editor

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

15 Years Working in Insurance

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to Jerry’s rapid growth.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.

Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

Learn more about our

insurance review board

and our

editorial standards

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.