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You can easily find cheap car insurance in North Carolina, as NC has the lowest auto insurance rates in the country. However, there has been a steady rise in insurance rates in North Carolina due to increased car accidents. If you are a driver in North Carolina, ensure that the best auto insurance in NC covers your needs. It takes a little research to see various auto insurance quotes in NC to see how much car insurance you can afford.

One of the best ways to get affordable car insurance is by checking out various car insurance quotes in NC. NC auto insurance companies determine your annual premium by factoring in various elements from your data. The place you live, your job, the type of car you drive, your credit history, and so forth.


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Minimum Required Auto Insurance Coverage in North Carolina

No matter which company you choose, you must meet the minimum legal requirements for auto insurance in your state. This usually means buying individual liability insurance, but you may also need uninsured motorist coverage, medical payments coverage, or personal injury protection.

All states require you to buy such coverage before registering your car. According to the North Carolina Insurance Department, all car owners must have at least the following:

Coverage Type Minimum Coverage Limit
Bodily injury liability coverage

 
$30,000 bodily injury per person

$60,000 bodily injury per accident
Property damage liability coverage $25,000
Uninsured motorist bodily injury

 
$30,000 bodily injury per person

$60,000 bodily injury per accident
Uninsured motorist property damage $25,000

Drivers in North Carolina are required by law to carry a certain amount of insurance coverage for their cars.

They must carry the following levels of insurance as a bare minimum:

  • Minimum limits of $30,000 for bodily injury liability.
  • Up to $60,000 for uninsured motorist coverage.
  • The law also mandates that drivers carry property damage liability insurance of up to $25,000.

Uninsured and underinsured motorist coverage is also required. If an uninsured motorist causes an accident and injures the driver, the uninsured motorist coverage protects the driver legally.

In cases where the at-fault driver has insurance but not enough to cover all of the injured party's expenses, underinsured driver insurance protects the at-fault driver.

Those driving in North Carolina must carry insurance policies with the following limits:

  • At least $25,000 worth of property damage insurance is required.
  • A minimum of $60,000 in medical expenses for two or more people.
  • At least $30,000 in bodily injury insurance for a single person is required.

Drivers purchasing an uninsured motorist policy are responsible for covering the costs of their injuries rather than relying on the at-fault driver's insurance company.

North Carolina car insurance PIP requirements

North Carolina does not require personal injury protection (PIP). In fact, in North Carolina, PIP is completely unavailable. If you've been injured in a car accident in North Carolina, you may be eligible for medical payments insurance (sometimes called Med Pay).

Cheapest Car Insurance in North Carolina for Minimum Required Coverage

Car insurance rates differ across the United States from state to state. Insurance firms assess and calculate insurance rates based on the driver's age, place of business, vehicle manufacture, and driving background in all states.

Erie is the most affordable option for drivers who need to meet the state's minimum coverage requirements. It costs $369 annually to insure a car in Erie, which is approximately 40% less expensive than the statewide average. Farm Bureau and State Farm, on the other hand, offer low-cost policies for less than $450 per year. However, rates vary greatly depending on the car insurance companies, region, driving record, etc. Compare quotes from various insurance to ensure you get the best deal.

Do I Need More Than the Minimum Required State Coverage in North Carolina?

Whether you stick to your state's minimum liability requirements or choose a full-coverage policy with comprehensive and collision insurance, your home state greatly impacts how much you pay to protect your wallet against car-related costs.

North Carolina Car Insurance Laws

State law (G.S. 20-309) mandates that all vehicles registered in North Carolina carry ongoing liability insurance from an insurer authorized to conduct business in the state (G.S. 20-309).

Vehicle drivers and their families are safeguarded by liability insurance from harm and loss resulting from the carelessness of other motorists with no, minimal, or only a minimal level of coverage. After surrendering their license plate to the NC Division of Motor Vehicles, individuals should not cancel their insurance policy.

With the help of Way.com, you can obtain quotes from a wide range of top insurance providers and compare coverage options and prices to find the vehicle insurance policy that best suits your needs.

See what you could save on auto insurance

Proof of Auto Insurance in North Carolina

Before a vehicle's license plates can be issued, the state of North Carolina requires its owner to provide proof of adequate liability car insurance. You can use the FS-1 to prove that you have liability insurance and that you abide by North Carolina car insurance laws.

Insurance companies in North Carolina can provide you with the FS-1 form as proof of insurance. You can only get it from a North Carolina-licensed business.

Average Cost of Auto Insurance Companies in North Carolina

Car insurance in North Carolina costs $129 per month, or $1410 per year, on average, for the state's minimum liability coverage. Refer to the following table to get the numbers of the different insurance quotes.

Company Average Annual Rates
Erie Insurance $369
North Carolina Farm Bureau $888
State Farm $981
The General $1044
Nationwide 1029

Cheapest Car Insurance Quotes for North Carolina drivers

Your choice of an insurance company is a big part of how much your car insurance costs in Tarheel State. Each auto insurer has its rating system so that the same coverage might be priced differently. Therefore, shopping around and comparing quotes from several companies might help discover cheap car insurance in North Carolina.

Company Avg. Annual Premium
North Carolina Farm Bureau $888
State Farm $933
Erie $969
Progressive $1203

Cheap car insurance in North Carolina for young North Carolina drivers

Car insurance rates depend on how old the driver is. Younger drivers usually pay more for coverage because they are more likely to get into accidents and file claims. After all, they aren't as financially stable. Due to their lack of driving experience, teen drivers usually pay the most for car insurance.

When drivers get older, their premiums may increase again because getting older can affect how well they drive and make it more likely that they will have to file a claim. Younger drivers may be on their parent's policy or have their policy at certain ages. We've shown both rates to show how different they are.

Car Insurance Companies Young Drivers
Allstate $3999
Erie Insurance $2109
The General $2502
Nationwide $2400
North Carolina Farm Bureau $1929
Progressive $2742
State Farm $1770

Cheap car insurance for North Carolina drivers with a speeding ticket

Most of the time, safe drivers get the cheapest car insurance. Policyholders with accidents on their records may be seen as high-risk drivers, which usually means they have to pay more for their insurance. Your price will depend on your offense, who you work for, and how often you've been pulled over.

Car Insurance Companies Annual Average Rates
North Carolina Farm Bureau $1281
Nationwide $1296
Erie Insurance $1359
The General $1383
State Farm $1500
MetLife $1581
Progressive $1818
Allstate $2592

Cheap auto insurance for North Carolina drivers after a car accident

Even though it's expensive, you should consider full coverage insurance if you have a history of driving accidents. This type of insurance will pay for damage to your car and the damage you cause.

Car Insurance Companies Annual Average Rates
North Carolina Farm Bureau $1170
Erie Insurance $1233
State Farm $1350
Nationwide $1410
The General $1440
Travelers $1551
Progressive $1659
MetLife $1740
Allstate $2193

Cheap car insurance Quotes for North Carolina drivers with a DUI

In North Carolina, a DUI (driving under the influence) conviction is the most expensive thing that can happen to your premiums. On average, your premiums will go up by a whopping 310%.

Car Insurance Companies Annual Average Rates
North Carolina Farm Bureau $3300
Nationwide $3312
Erie Insurance $3519
Travelers $3975
State Farm $4020
MetLife $4200
The General $4509
Progressive $4800
Allstate $7380

Cheap car insurance for married North Carolina drivers

Despite not offering married customers any discounts, Erie offers the lowest annual premium of $909 for car insurance for married drivers than any other insurer. The largest annual discount for married drivers is $111, provided by Nationwide.

Car Insurance Companies Annual Average Rates
Erie $909
Farm Bureau $927
State Farm $1044
Progressive $1260
The General $1350
Nationwide $1710
Allstate $2049

Cheap full coverage car insurance quotes for young drivers with an accident history

Because insurers view at-fault accidents as a higher risk, they will typically boost rates more than a speeding ticket. Young North Carolina drivers should anticipate rates to rise by 25% following an accident.

Car Insurance Companies Annual Average Rates
North Carolina Farm Bureau $600
The General $720
Penn National $759
MetLife $810
Progressive $822

Compare Car Insurance Rates in Top Cities

You know that car insurance rates change from state to state, but did you know that they also change from city to city? Insurance costs tend to be higher in bigger cities. For example, premiums for bodily injury liability coverage can go up when medical costs go up, and premiums for property damage liability, comprehensive, and collision coverage can go up when vehicle repairs and labor costs go up.

Also, bigger cities tend to have more people and cars, which can make accidents more likely.

Car insurance rates in the same state can vary greatly depending on your zip code. Also, depending on the population density, average age, and the number of accidents in your city, car insurance rates may be much higher or lower than in a nearby city.

City Annual Rate
Aberdeen$1,229
Advance$1,181
Ahoskie$1,385
Alamance$1,301
Albemarle$1,229
Albertson$1,349
Alexander$1,133
Alexis$1,325
Alliance$1,313
Almond$1,169
Altamahaw$1,205
Andrews$1,133
Angier$1,361
Ansonville$1,469
Apex$1,193
Arapahoe$1,145
Ararat$1,181
Archdale$1,361
Archer Lodge$1,361
Arden$1,169
Ash$1,349
Asheboro$1,205
Asheville$1,169
Atkinson$1,373
Atlantic$1,121
Atlantic Beach$1,109
Aulander$1,385
Aurora$1,349
Autryville$1,349
Avery Creek$1,169
Avon$1,181
Ayden$1,349
Aydlett$1,193
Badin$1,253
Bahama$1,289
Bailey$1,349
Bakersville$1,169
Bald Head Island$1,277
Balfour$1,145
Balsam$1,193
Balsam Grove$1,217
Banner Elk$1,205
Barco$1,193
Barium Springs$1,349
Barker Heights$1,157
Barnardsville$1,145
Barnesville$1,481
Bat Cave$1,253
Bath$1,385
Battleboro$1,337
Bayboro$1,313
Bayshore$1,277
Bear Creek$1,229
Beaufort$1,109
Beech Mountain$1,205
Belews Creek$1,157
Belhaven$1,373
Bell Arthur$1,313
Bellarthur$1,385
Belmont$1,421
Belvidere$1,361
Belville$1,325
Belwood$1,325
Bennett$1,229
Benson$1,337
Bent Creek$1,169
Bermuda Run$1,181
Bessemer City$1,505
Bethel$1,337
Bethlehem$1,241
Beulaville$1,361
Biltmore Forest$1,157
Biscoe$1,217
Black Mountain$1,145
Bladenboro$1,517
Blanch$1,397
Blounts Creek$1,337
Blowing Rock$1,217
Bogue$1,145
Boiling Spring Lakes$1,277
Boiling Springs$1,325
Bolivia$1,313
Bolton$1,361
Bonlee$1,301
Boomer$1,205
Boone$1,217
Boonville$1,181
Bostic$1,193
Bowmore$1,517
Brasstown$1,145
Brevard$1,133
Bridgeton$1,277
Broad Creek$1,145
Broadway$1,361
Brogden$1,301
Browns Summit$1,205
Brunswick$1,541
Bryson City$1,133
Buies Creek$1,349
Bullock$1,361
Bunn$1,397
Bunnlevel$1,517
Burgaw$1,349
Burlington$1,205
Burnsville$1,169
Butner$1,445
Buxton$1,265
Bynum$1,301
Calabash$1,193
Calypso$1,361
Camden$1,181
Cameron$1,325
Camp Lejeune$1,289
Candler$1,145
Candor$1,229
Canton$1,145
Cape Carteret$1,181
Caroleen$1,277
Carolina Beach$1,289
Carolina Shores$1,193
Carrboro$1,169
Carthage$1,217
Cary$1,205
Casar$1,325
Cashiers$1,145
Castalia$1,373
Castle Hayne$1,337
Caswell Beach$1,265
Catawba$1,277
Cedar Falls$1,289
Cedar Grove$1,265
Cedar Island$1,229
Cedar Mountain$1,229
Cedar Point$1,181
Cerro Gordo$1,541
Chadbourn$1,541
Chapel Hill$1,181
Charlotte$1,553
Cherokee$1,109
Cherry Point$1,193
Cherryville$1,325
China Grove$1,349
Chinquapin$1,337
Chocowinity$1,337
Claremont$1,253
Clarendon$1,541
Clarkton$1,517
Clayton$1,373
Clemmons$1,169
Cleveland$1,337
Cliffside$1,325
Climax$1,205
Clinton$1,349
Clyde$1,133
Coats$1,373
Cofield$1,373
Coinjock$1,253
Colerain$1,349
Colfax$1,193
Collettsville$1,205
Columbia$1,373
Columbus$1,193
Comfort$1,397
Como$1,385
Concord$1,373
Conetoe$1,385
Connelly Springs$1,241
Conover$1,241
Conway$1,373
Cooleemee$1,193
Corapeake$1,361
Cordova$1,433
Cornelius$1,301
Corolla$1,205
Council$1,517
Cove City$1,325
Cove Creek$1,181
Cramerton$1,409
Creedmoor$1,457
Creston$1,193
Creswell$1,349
Cricket$1,181
Crossnore$1,301
Crouse$1,337
Crumpler$1,205
Culberson$1,241
Cullowhee$1,133
Cumberland$1,541
Cumnock$1,421
Currie$1,349
Currituck$1,253
Dallas$1,505
Dana$1,157
Danbury$1,217
Davidson$1,325
Davis$1,157
Deep Gap$1,181
Deep Run$1,337
Delco$1,349
Denton$1,229
Denver$1,301
Dillsboro$1,241
Dobbins Heights$1,421
Dobson$1,193
Dortches$1,325
Dover$1,337
Drexel$1,265
Dublin$1,529
Duck$1,205
Dudley$1,301
Dunn$1,349
Durants Neck$1,409
Durham$1,313
Eagle Springs$1,229
Earl$1,397
East Bend$1,205
East Flat Rock$1,145
East Rockingham$1,433
East Spencer$1,337
Eastover$1,361
Eden$1,205
Edenton$1,373
Edneyville$1,157
Edward$1,361
Efland$1,265
Elizabeth City$1,181
Elizabethtown$1,517
Elk Park$1,181
Elkin$1,181
Ellenboro$1,205
Ellerbe$1,241
Elm City$1,325
Elon$1,205
Elroy$1,301
Emerald Isle$1,157
Enfield$1,361
Engelhard$1,409
Enka$1,241
Ennice$1,181
Enochville$1,349
Ernul$1,373
Erwin$1,373
Ether$1,301
Etowah$1,157
Eure$1,373
Everetts$1,385
Evergreen$1,541
Fair Bluff$1,541
Fairfield$1,409
Fairfield Harbour$1,145
Fairmont$1,457
Fairplains$1,181
Fairview$1,361
Faison$1,337
Faith$1,349
Falcon$1,421
Fallston$1,385
Farmville$1,337
Fayetteville$1,517
Fearrington Village$1,217
Ferguson$1,169
Flat Rock$1,169
Fleetwood$1,205
Fletcher$1,181
Fontana Dam$1,217
Forest City$1,205
Forest Oaks$1,373
Fort Bragg$1,517
Foscoe$1,217
Fountain$1,361
Four Oaks$1,337
Foxfire$1,241
Franklin$1,121
Franklinton$1,361
Franklinville$1,193
Fremont$1,361
Frisco$1,169
Fruitland$1,157
Fuquay-Varina$1,349
Gamewell$1,229
Garland$1,349
Garner$1,373
Garysburg$1,325
Gaston$1,325
Gastonia$1,469
Gates$1,373
Gatesville$1,373
Germanton$1,157
Gerton$1,217
Gibson$1,469
Gibsonville$1,205
Glade Valley$1,205
Glen Alpine$1,265
Glen Raven$1,205
Glendale Springs$1,289
Glenville$1,193
Gloucester$1,169
Godwin$1,349
Gold Hill$1,337
Goldsboro$1,313
Goldston$1,205
Graham$1,193
Grandy$1,205
Granite Falls$1,253
Granite Quarry$1,349
Grantsboro$1,145
Grassy Creek$1,193
Green Level$1,205
Green Mountain$1,205
Greenevers$1,361
Greensboro$1,313
Greenville$1,313
Grifton$1,325
Grimesland$1,337
Grover$1,337
Half Moon$1,277
Halifax$1,337
Hallsboro$1,529
Hamilton$1,337
Hamlet$1,421
Hampstead$1,265
Hamptonville$1,193
Harbinger$1,229
Harkers Island$1,109
Harmony$1,205
Harrells$1,349
Harrellsville$1,385
Harrisburg$1,397
Hassell$1,397
Hatteras$1,193
Havelock$1,145
Haw River$1,205
Hayesville$1,121
Hays$1,181
Hazelwood$1,241
Henderson$1,361
Hendersonville$1,157
Henrico$1,361
Henrietta$1,325
Hertford$1,361
Hickory$1,253
Hiddenite$1,169
High Point$1,289
Highfalls$1,313
Highlands$1,121
Hildebran$1,253
Hillsborough$1,265
Hobbsville$1,373
Hobgood$1,349
Hobucken$1,397
Hoffman$1,481
Holden Beach$1,313
Hollister$1,373
Holly Ridge$1,157
Holly Springs$1,193
Hookerton$1,349
Hope Mills$1,517
Horse Shoe$1,169
Hot Springs$1,133
Hubert$1,157
Hudson$1,253
Huntersville$1,301
Hurdle Mills$1,349
Icard$1,253
Indian Trail$1,469
Iron Station$1,337
Ivanhoe$1,361
Jaars$1,409
Jackson$1,361
Jackson Heights$1,313
Jackson Springs$1,301
Jacksonville$1,277
James City$1,145
Jamestown$1,193
Jamesville$1,349
Jarvisburg$1,193
Jefferson$1,181
Jonas Ridge$1,301
Jonesville$1,181
Julian$1,205
Kannapolis$1,361
Keener$1,361
Kelford$1,373
Kelly$1,373
Kenansville$1,325
Kenly$1,337
Kernersville$1,169
Kill Devil Hills$1,205
King$1,145
Kings Grant$1,277
Kings Mountain$1,337
Kingstown$1,325
Kinston$1,313
Kipling$1,421
Kittrell$1,361
Kitty Hawk$1,205
Knightdale$1,445
Knotts Island$1,193
Kure Beach$1,277
La Grange$1,313
Lake Junaluska$1,121
Lake Lure$1,193
Lake Norman of Catawba$1,301
Lake Park$1,457
Lake Royale$1,373
Lake Toxaway$1,133
Lake Waccamaw$1,361
Lakeview$1,313
Landis$1,349
Lansing$1,217
Lattimore$1,385
Laurel Hill$1,457
Laurel Park$1,157
Laurel Springs$1,205
Laurinburg$1,469
Lawndale$1,325
Lawsonville$1,205
Leasburg$1,397
Leicester$1,133
Leland$1,325
Lemon Springs$1,433
Lenoir$1,229
Lewiston Woodville$1,409
Lewisville$1,157
Lexington$1,217
Liberty$1,217
Light Oak$1,325
Lilesville$1,457
Lillington$1,349
Lincolnton$1,325
Linden$1,361
Linville Falls$1,301
Linwood$1,337
Little Switzerland$1,277
Littleton$1,325
Locust$1,241
Long View$1,253
Longwood$1,361
Louisburg$1,373
Lowell$1,421
Lowesville$1,313
Lowgap$1,193
Lowland$1,409
Lucama$1,361
Lumber Bridge$1,481
Lumberton$1,457
Lynn$1,289
MacClesfield$1,349
Macon$1,373
Madison$1,205
Maggie Valley$1,145
Magnolia$1,337
Maiden$1,289
Mamers$1,349
Manns Harbor$1,193
Manson$1,361
Manteo$1,169
Maple$1,253
Maple Hill$1,385
Mar-Mac$1,301
Marble$1,109
Margarettsville$1,349
Marietta$1,481
Marion$1,193
Mars Hill$1,157
Marshall$1,109
Marshallberg$1,217
Marshville$1,481
Marston$1,517
Marvin$1,409
Matthews$1,469
Maury$1,337
Maxton$1,481
Mayodan$1,229
Maysville$1,157
Mc Farlan$1,481
Mc Grady$1,253
McAdenville$1,397
Mccutcheon Field$1,337
McLeansville$1,205
Mebane$1,193
Merritt$1,145
Merry Hill$1,361
Micaville$1,301
Middlesex$1,349
Midland$1,385
Midway$1,217
Midway Park$1,289
Mill Spring$1,181
Millers Creek$1,181
Mills River$1,157
Milton$1,373
Mineral Springs$1,409
Mint Hill$1,493
Misenheimer$1,241
Mocksville$1,193
Moncure$1,229
Monroe$1,493
Montreat$1,241
Mooresboro$1,325
Mooresville$1,301
Moravian Falls$1,181
Morehead City$1,121
Morganton$1,265
Morrisville$1,181
Morven$1,445
Mount Airy$1,181
Mount Gilead$1,241
Mount Holly$1,421
Mount Mourne$1,361
Mount Olive$1,337
Mount Pleasant$1,241
Mount Ulla$1,409
Mountain Home$1,157
Mountain View$1,253
Moyock$1,205
Mulberry$1,181
Murfreesboro$1,373
Murphy$1,133
Murraysville$1,265
Myrtle Grove$1,277
Nags Head$1,193
Nakina$1,541
Naples$1,253
Nashville$1,337
Nebo$1,181
Neuse Forest$1,145
New Bern$1,145
New Hill$1,205
New London$1,229
Newell$1,721
Newland$1,193
Newport$1,145
Newton$1,253
Newton Grove$1,337
Norlina$1,361
Norman$1,325
North Topsail Beach$1,157
North Wilkesboro$1,181
Northchase$1,277
Northlakes$1,253
Norwood$1,241
Oak City$1,337
Oak Island$1,265
Oak Ridge$1,193
Oakboro$1,241
Ocean Isle Beach$1,217
Ocracoke$1,193
Ogden$1,277
Old Fort$1,145
Olin$1,181
Olivia$1,433
Oriental$1,133
Orrum$1,469
Otto$1,121
Oxford$1,373
Pantego$1,385
Parkton$1,481
Parmele$1,373
Patterson Springs$1,325
Paw Creek$1,481
Peachland$1,481
Pelham$1,349
Pembroke$1,445
Pendleton$1,385
Penland$1,301
Penrose$1,145
Pfafftown$1,169
Pikeville$1,325
Pilot Mountain$1,181
Pine Hall$1,217
Pine Knoll Shores$1,109
Pinebluff$1,229
Pinehurst$1,217
Pineola$1,301
Pinetops$1,361
Pinetown$1,361
Pineville$1,481
Piney Creek$1,265
Piney Green$1,277
Pink Hill$1,337
Pinnacle$1,193
Pisgah Forest$1,157
Pittsboro$1,217
Plain View$1,349
Pleasant Garden$1,217
Pleasant Hill$1,253
Plymouth$1,349
Point Harbor$1,229
Polkton$1,445
Polkville$1,385
Pollocksville$1,313
Pope Army Airfield$1,541
Poplar Branch$1,265
Porters Neck$1,277
Potecasi$1,397
Powells Point$1,169
Powellsville$1,409
Princeton$1,337
Princeville$1,337
Proctorville$1,481
Prospect Hill$1,361
Providence$1,361
Pumpkin Center$1,277
Purlear$1,181
Raeford$1,517
Raleigh$1,349
Ramseur$1,205
Randleman$1,217
Ranlo$1,505
Red Oak$1,337
Red Springs$1,445
Reidsville$1,217
Rennert$1,469
Research Triangle Park$1,277
Rex$1,529
Rhodhiss$1,337
Rich Square$1,349
Richfield$1,217
Richlands$1,289
Ridgecrest$1,241
Ridgeway$1,409
Riegelwood$1,349
River Bend$1,145
River Road$1,349
Roanoke Rapids$1,325
Roaring Gap$1,253
Roaring River$1,193
Robbins$1,229
Robbinsville$1,121
Robersonville$1,325
Rockfish$1,517
Rockingham$1,421
Rockwell$1,361
Rocky Mount$1,325
Rocky Point$1,349
Rodanthe$1,289
Roduco$1,409
Rolesville$1,373
Ronda$1,193
Roper$1,373
Rose Hill$1,361
Roseboro$1,337
Rosman$1,217
Rougemont$1,361
Rowland$1,445
Roxboro$1,361
Roxobel$1,397
Royal Pines$1,157
Ruffin$1,361
Rural Hall$1,157
Rutherford College$1,265
Rutherfordton$1,205
Salem$1,265
Salemburg$1,349
Salisbury$1,349
Salter Path$1,169
Saluda$1,193
Salvo$1,253
Sandy Ridge$1,217
Sanford$1,349
Sapphire$1,229
Sawmills$1,253
Saxapahaw$1,301
Scaly Mountain$1,217
Scotland Neck$1,385
Scotts$1,325
Scottville$1,277
Scranton$1,421
Sea Breeze$1,277
Seaboard$1,337
Seagrove$1,229
Sealevel$1,217
Sedalia$1,265
Selma$1,361
Semora$1,385
Seven Devils$1,205
Seven Lakes$1,229
Seven Springs$1,337
Severn$1,397
Shallotte$1,313
Shannon$1,469
Sharpsburg$1,325
Shawboro$1,181
Shelby$1,325
Sherrills Ford$1,289
Shiloh$1,181
Siler City$1,217
Siloam$1,169
Silver City$1,517
Silver Lake$1,277
Simpson$1,397
Sims$1,361
Skippers Corner$1,325
Skyland$1,253
Smithfield$1,337
Smyrna$1,145
Sneads Ferry$1,157
Snow Camp$1,205
Snow Hill$1,337
Sophia$1,205
South Henderson$1,373
South Mills$1,217
South Rosemary$1,313
Southern Pines$1,193
Southern Shores$1,205
Southmont$1,205
Southport$1,277
Sparta$1,193
Speed$1,397
Spencer$1,337
Spindale$1,193
Spring Hope$1,325
Spring Lake$1,505
Spruce Pine$1,181
St. Helena$1,349
St. James$1,277
St. Pauls$1,469
St. Stephens$1,253
Stacy$1,241
Staley$1,217
Stallings$1,469
Stanfield$1,265
Stanley$1,313
Stantonsburg$1,337
Star$1,217
State Road$1,181
Statesville$1,241
Stedman$1,373
Stella$1,157
Stem$1,433
Stokes$1,337
Stokesdale$1,193
Stoneville$1,217
Stony Point$1,253
Stovall$1,421
Stumpy Point$1,253
Sugar Grove$1,253
Sugar Mountain$1,205
Summerfield$1,193
Sunbury$1,373
Sunset Beach$1,217
Supply$1,313
Surf City$1,157
Swannanoa$1,145
Swanquarter$1,373
Swansboro$1,181
Swepsonville$1,301
Sylva$1,145
Tabor City$1,529
Tar Heel$1,517
Tarawa Terrace$1,289
Tarboro$1,337
Taylorsville$1,241
Teachey$1,361
Terrell$1,301
Thomasville$1,217
Thurmond$1,169
Tillery$1,397
Timberlake$1,385
Toast$1,193
Tobaccoville$1,157
Todd$1,241
Topsail Beach$1,169
Topton$1,145
Traphill$1,181
Trent Woods$1,145
Trenton$1,337
Trinity$1,217
Troutman$1,289
Troy$1,217
Tryon$1,193
Tuckasegee$1,121
Turkey$1,337
Tuxedo$1,253
Tyner$1,373
Tyro$1,217
Union Grove$1,181
Union Mills$1,193
Unionville$1,493
Valdese$1,253
Vale$1,325
Valle Crucis$1,205
Valley Hill$1,157
Vanceboro$1,313
Vandemere$1,373
Vass$1,217
Vaughan$1,409
Vilas$1,181
Waco$1,397
Wade$1,397
Wadesboro$1,445
Wagram$1,457
Wake Forest$1,337
Walkertown$1,169
Wallace$1,349
Wallburg$1,217
Walnut Cove$1,217
Walstonburg$1,361
Wanchese$1,169
Warne$1,193
Warrensville$1,205
Warrenton$1,361
Warsaw$1,325
Washington$1,349
Waves$1,265
Waxhaw$1,409
Waynesville$1,157
Weaverville$1,157
Weddington$1,433
Welcome$1,217
Weldon$1,349
Wendell$1,361
Wentworth$1,217
Wesley Chapel$1,445
West Canton$1,145
West End$1,229
West Jefferson$1,217
West Marion$1,193
Westfield$1,205
Westport$1,301
Whispering Pines$1,217
Whitakers$1,337
White Lake$1,517
White Oak$1,517
White Plains$1,181
Whiteville$1,529
Whitsett$1,205
Whittier$1,133
Wilkesboro$1,205
Willard$1,361
Williamston$1,337
Williston$1,241
Willow Spring$1,349
Wilmington$1,277
Wilson$1,373
Wilsons Mills$1,397
Windsor$1,337
Winfall$1,373
Wingate$1,493
Winnabow$1,325
Winston-Salem$1,193
Winterville$1,325
Winton$1,373
Wise$1,409
Woodfin$1,169
Woodland$1,373
Woodlawn$1,193
Woodleaf$1,337
Wrightsboro$1,313
Wrightsville Beach$1,301
Yadkinville$1,193
Yanceyville$1,361
Youngsville$1,373
Zebulon$1,361
Zionville$1,205
Zirconia$1,157

How to find the best car insurance in North Carolina

There is no one-size-fits-all North Carolina car insurance policy. When looking for car insurance, you can do a few things to help you make an informed decision.

Because of state requirements and risk assessments, your rate could differ not only from state to state or city to city but also from block to block. With so many things to consider, finding the best coverage is challenging.

You can memorize the specifics of North Carolina's auto insurance laws to make an informed decision about whether or not you require additional coverage. The car insurance requirements of your financial institution should be known if you have a loan or lease on your vehicle. It does not include comprehensive or collision coverage, which protects your vehicle in the event of an accident.

With these options, you'll get full coverage, which lenders often require to get a loan. Gap insurance is another option to think about. Gap coverage is intended to help cover the difference between the value of your totaled vehicle and the remaining balance on your loan.

Are you trying to find a well-liked car insurance company for customers? Is customer service more important to you than price, or are you more concerned about your budget? Is there anything on your driving record that could affect your insurance premium or eligibility? An excellent place to start is by figuring out what kind of insurance coverage you require on a personal level.

The Average Cost of Car insurance in North Carolina

So, how much does North Carolina car insurance cost? In 2022, the average cost of car insurance in North Carolina is $1410 per year for full coverage and $453 per year for the state minimum. Both of these rates are much lower than the national average rate.

Are you a driver who needs to maintain your driving privileges without going bankrupt? We have provided people with straightforward, reasonable auto insurance, and we can do the same for you.

You can find cheap auto insurance in NC as it is one of the lowest priced in the country.

Way.com makes it easy for car owners to find the best car insurance in North Carolina by ranking the best and most reliable insurers. Ensure you get several quotes and the best price based on your needs. Compared with auto insurance quotations of top rating firms in North Carolina, the research of Way.com highlights a possible savings of $480.

To find the best car insurance rates, drivers can consider all options and compare insurance prices from many automotive insurers across North Carolina. Way.com has classified companies that give an average North Carolina driver the most reasonable annual accident insurance plan. This is around the average driver's pace and can vary from the quotes you receive.

Reasons Why Auto Insurance Costs More in North Carolina

The average cost of car insurance in North Carolina is $1410 per, year for full coverage and $453 per year for the state minimum. North Carolina's average car insurance rates place it 50th in the nation, but they are still 70% less expensive than the national average. The main reason behind the expensive premiums would be the weather conditions and lifestyle.

Things to Know About Car Insurance When Moving to North Carolina

Anyone with more than 25 cars registered to their name can qualify as a self-insurer by asking for a certificate of self-insurance from the state Insurance Commissioner. The Insurance Commissioner must guarantee that the person will afford the state's minimum coverage requirements.

See what you could save on auto insurance

How to Get Discounts on Car Insurance in North Carolina

Way.com is here to make purchasing auto insurance more accessible than ever before. Signing up takes 45 seconds, and Way.com will compare bids to find you the best coverage. Way.com can help you find the best discounts for you. Just ask about discounts when you're comparing companies.

There are a variety of auto insurance discounts available in North Carolina, but they will vary from agency to agency. If you're changing insurance providers, see if they have a transition discount. You could be able to save money by moving.

Discount How It Works
Good Driver Drivers with a clean record and no claims history save on insurance.
Driver Education Insurance companies are required by state law to provide a discount to older drivers who complete an approved defensive driving course. Drivers must be 50 years of age or older to qualify.
Continuously Insured Drivers who have been insured for 6 months or more save on insurance.
Billing and Payments If you pay for your policy in full, set up automatic payments, pay online, or go paperless, you can save.
Policy Bundling Insure multiple vehicles or get different policy types (like home and auto) from the same company can earn a discount.
Good Student Young drivers with a 'B' average or higher are eligible for discounts.
Usage-Based Some insurance companies offer discounts for drivers willing to monitor their driving habits by an electronic device attached to their car and/or smartphone.
Safety Features Cars featuring multiple airbags, anti-lock brakes, daytime running lights, and other safety add-ons can save on car insurance.
Anti-Theft Systems Car alarms, LoJack, steering wheel locks, or other anti-theft features can make comprehensive coverage more affordable.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

Who has the cheapest car insurance in North Carolina?

North Carolina is covered by a $335 average of the North Carolina Farmer Bureau's cheapest automotive insurance.

Why is car insurance so expensive in North Carolina?

In North Carolina, there are more and more extreme weather occurrences, such as tropical storms, floods, severe storms, and droughts. These weather conditions trigger insurers to pay a more costly and less predictable amount of claims. To keep momentum, they need to raise prices.

How does car insurance work in North Carolina?

North Carolina needs insurance coverage of at least $30000 for each person's body, $60000 for the overall accident bodily injury, and $25000 for asset loss to all people. Your medical bills can soon surpass the minimum coverage cap after a severe accident.

Who has the best auto insurance rates in NC?

North Carolina Farm Bureau has the cheapest car insurance, covering an average expense of $335.

Does insurance follow the car or driver in North Carolina?

The insurance policy in North Carolina "follows the driver." If, however, a friend's car is borrowed and another person hurts, the car owner's policy must be pursued first.

How much is car insurance in NC for a 20-year-old?

For 20-year-old drivers with clean driving records the following Car Insurance companies have the lowest average rates for driving:

  • The General: $871 annually
  • Farm Bureau North Carolina: $1017 annually
  • Penn National: $1288 annually.
  • MetLife: $1393 annually
  • Progressive: $1425 annually

How much is insurance for a new driver in NC?

North Carolina's insurance costs from $1230 to $3419 a year for a new driver.

Do you have to have collision insurance in NC?

Way.com would recommend North Carolina drivers purchase collision coverage even though North Carolina does not require it. Collision coverage would cover your vehicle's damage when physical damage occurs from a collision with another vehicle or object.

Do I have to add my teenage driver to my insurance in North Carolina?

In North Carolina, once they receive their license, you may not have to apply your teenager to your policy, but your policy protects you while you have a license to teach. You should make sure that you inform your insurance company about your teenager getting behind the wheel.

What happens if you don't add your child to your car insurance?

You could endure issues with making a claim, retaining discounts, or maintaining an automotive policy if anything happens when you are driving your vehicle if you do not add your child to your auto insurance.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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