Why Compare Car Insurance Rates in North Carolina:
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.
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:
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:
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 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).
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.
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.
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.
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.
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 RATE |
|---|---|
| North Carolina Farm Bureau | $769 |
| Nationwide | $744 |
| Erie Insurance | $635 |
| State Farm | $651 |
| MetLife | $1044 |
| Progressive | $1,083 |
| Allstate | $1,292 |
| National General | $936 |
| Kemper | $980 |
| Statewide Average | $904 |
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.
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.
| COMPANY | 17-Year-Old-Female | 17-YEAR-OLD MALES |
|---|---|---|
| Allstate | $3,631 | $3,973 |
| Erie Insurance | $2,084 | $2,084 |
| Nationwide | $1,605 | $2,375 |
| North Carolina Farm Bureau | $1,914 | $1,914 |
| Progressive | $2,404 | $2,712 |
| State Farm | $1,226 | $1,744 |
| Kemper | $3,011 | $2998 |
| Statewide Average | $2,267 | $2,543 |
| COMPANY | 25-YEAR-OLDS |
|---|---|
| Allstate | $1,437 |
| Erie Insurance | $652 |
| Nationwide | $867 |
| North Carolina Farm Bureau | $976 |
| Progressive | $1,081 |
| State Farm | $924 |
| National General | $936 |
| Kemper | $963 |
| Statewide Average | $980 |
| COMPANY | 60-YEAR-OLDS |
|---|---|
| Allstate | $1,120 |
| Erie Insurance | $625 |
| Nationwide | $609 |
| North Carolina Farm Bureau | $769 |
| Progressive | $1,085 |
| State Farm | $642 |
| National General | $937 |
| Kemper | $1,193 |
| Statewide Average | $873 |
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.
State Farm has the cheapest car insurance for drivers who have a ticket on their record. Full coverage costs $955 per year with the insurer.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| North Carolina Farm Bureau | $1,111 |
| Nationwide | $1,063 |
| Erie Insurance | $1,003 |
| State Farm | $955 |
| MetLife | $1,564 |
| Statewide Average | $1,586 |
| Progressive | $1,570 |
| National General | $1,240 |
| Kemper | $1,755 |
| Allstate | $1,911 |
| Statewide Average | $1,376 |
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.
When it comes to insurance for drivers who have been involved in an accident, North Carolina Farm Bureau is the most affordable option, offering rates as low as $871 per year.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| North Carolina Farm Bureau | $1,011 |
| Erie Insurance | $919 |
| State Farm | $871 |
| Nationwide | $1,163 |
| Travelers | $1,535 |
| Progressive | $1,434 |
| MetLife | $1,729 |
| Allstate | $1,623 |
| National General | $1,266 |
| Kemper | $1,417 |
| Statewide Average | $1,297 |
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%.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| North Carolina Farm Bureau | $2,809 |
| Nationwide | $2,682 |
| Erie Insurance | $2,561 |
| Travelers | $3,950 |
| State Farm | $2,475 |
| MetLife | $4,184 |
| Progressive | $4,081 |
| Allstate | $5,370 |
| National General | $2,219 |
| Kemper | $4,122 |
| Statewide Average | $3,445 |
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 |
| Nationwide | $1710 |
| Allstate | $2049 |
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.
| Company | Annual Rate |
|---|---|
| Erie | $939 |
| Farm Bureau | $910 |
| State Farm | $1,251 |
| Progressive | $1,437 |
| Nationwide | $1,356 |
| Allstate | $1,813 |
| North Carolina Farm Bureau | $1,267 |
| National General | $1,268 |
| Kemper | $1,301 |
| Statewide Average | $1,282 |
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 |
| Company | Avg. Annual Premium |
|---|---|
| Erie | $961 |
| Progressive | $1,085 |
| North Carolina Farm Bureau | $1,032 |
| Nationwide | $896 |
| State Farm | $1,403 |
| Allstate | $2,238 |
| National General | $938 |
| Kemper | $1,611 |
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.
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.
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.
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.
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. |
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
North Carolina is covered by a $335 average of the North Carolina Farmer Bureau's cheapest automotive insurance.
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.
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.
North Carolina Farm Bureau has the cheapest car insurance, covering an average expense of $335.
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.
For 20-year-old drivers with clean driving records the following Car Insurance companies have the lowest average rates for driving:
North Carolina's insurance costs from $1230 to $3419 a year for a new driver.
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.
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.
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.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
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