Best cheap car insurance companies in North Carolina
To help drivers find the best cheap car insurance in North Carolina, our editorial team gathered quotes from top auto insurance companies across every ZIP code in the state. Quotes for minimum coverage meet North Carolina's state minimum requirements of $30,000 in bodily injury liability coverage per person and $60,000 per accident and $25,000 in property damage coverage, along with uninsured motorist coverage with the same limits. Full coverage quotes include higher liability limits than state minimums, along with comprehensive and collision protection.
In addition, we ranked the best North Carolina auto insurance companies based on the cost of insurance for different drivers, coverage availability, convenience and customer service reviews.
The average cost of car insurance in North Carolina is $492 per year, or $41 per month, for minimum liability.
Cheapest car insurance quotes in North Carolina: Erie
Erie offers the cheapest quotes to drivers who want a policy that meets the state's minimum auto insurance requirements. The average cost of car insurance from Erie is $334 per year — 32% cheaper than the statewide average.
Alternatively, drivers may find cheap quotes at less than $450 per year with Farm Bureau and State Farm.
Find Cheap Auto Insurance Quotes in North Carolina
Minimum coverage is less expensive than full coverage because it doesn’t include comprehensive and collision coverage. It's also cheap because of its low liability coverage limits, which means you risk not having enough protection after an accident.
Cheapest full-coverage car insurance in North Carolina: Erie
While the cost of full coverage is more than double the average cost of minimum coverage, it's still possible to find affordable quotes in North Carolina. The cheapest full-coverage car insurance in the state comes from Erie, at $880 per year, 32% less than the statewide average.
The average cost of full-coverage car insurance in North Carolina is $1,291 per year — $799 more than the cost of a liability-only policy.
Drivers can also find cheap full coverage quotes from State Farm and Farm Bureau. Insurance from these companies costs an average of $959 per year, or $80 per month — $332 cheaper per year than the statewide average.
Cheap car insurance for NC drivers with prior incidents
Erie is the cheapest insurance company for drivers who have caused an accident, offering rates as low as $924 per year. It's also the cheapest option for drivers with poor credit. Although it offers affordable rates for those with a recent speeding ticket or DUI, these drivers may be able to find cheaper coverage from Farm Bureau.
It's common for North Carolina drivers to pay much more for car insurance if their driving record includes a DUI, traffic citation or an at-fault accident.
Cheapest car insurance quotes after an accident: Erie
After an accident, drivers may see substantially higher quotes than average. Typically, the cost of car insurance for people with an at-fault accident on their records increases by 53%. However, some companies continue to offer affordable coverage. Erie is the cheapest insurance company for drivers who have caused an accident, offering rates as low as $924 per year.
Cheapest car insurance rates after a speeding ticket: Farm Bureau
Farm Bureau has the cheapest car insurance quotes for drivers who have a ticket on their record. Full coverage costs $1,201 per year with the insurer, which is 30% cheaper than average.
Getting a speeding ticket is likely to raise your rates by an average of 34% — though not as much as getting into an at-fault accident.
Cheapest car insurance company after a DUI: Farm Bureau
The cheapest car insurance in North Carolina for drivers with a DUI or DWI is Farm Bureau, which offers quotes for 32% less than average. Getting cited for a DUI is expensive: one offense nearly triples the average cost of insurance — to $5,090 per year.
State Farm DUI rates were not available.
Cheapest car insurance for drivers with poor credit: Erie
It's common for insurers to charge higher quotes to drivers with poor credit, though several states are banning this practice. Fortunately, Erie still offers cheap car insurance to those drivers. With Erie, the auto insurance quotes for drivers with poor credit went up 28%, but its initial rates are so low, the final price of $1,125 per year is still the cheapest.
Cheapest car insurance quotes for married drivers: Erie
Erie is the cheapest car insurance for married drivers, at $880 per year, despite not giving them any price break. Nationwide provides the largest discount for married drivers, $127 per year.
For the most part, married drivers pay the same amount for car insurance in North Carolina as single drivers, but they pay 4% less on average in the state. Insurers typically give married drivers a small discount on car insurance rates due to the correlation between being married and getting in fewer accidents.
Cheapest car insurance for teen drivers in North Carolina: State Farm
State Farm has the cheapest rates in North Carolina for 18-year-olds, averaging $62 per month for liability-only coverage. Erie comes in a close second place at $63 per month, and it's the cheapest pick for teens without a clean driving record.
The average cost of car insurance for 18-year-olds is $85 per month for liability-only coverage and $229 per month for full coverage.
Teen drivers typically pay twice as much as 30-year-old drivers due to their lack of driving experience.
Cheapest quotes for young drivers after a ticket: Erie
Erie and Geico have the cheapest auto insurance quotes for teens with a ticket on their driving record, at around $78 per month for a liability-only policy.
Young drivers can expect to pay 18% higher rates after getting just one speeding ticket, or 32% higher rates after getting in an at-fault accident.
Cheapest company for young drivers after an accident: Erie
Erie also has the cheapest rates for teens after an accident, at $66 per month for liability-only coverage.
Teens with an at-fault accident on their record can also find cheap car insurance from Farm Bureau and State Farm, with rates under $90 per month.
Best car insurance companies in North Carolina
Erie is the best-rated insurance provider in North Carolina based on cost, coverage and customer support. The company received strong marks for customer service in the 2021 J.D. Power U.S. Auto Claims Satisfaction Study and in ValuePenguin's editorial rating.
State Farm, which boasts strong all-around offerings, and Farm Bureau, with exceptional customer service, are also good options.
We recommend comparing the customer service reputations of insurance companies in your area in addition to shopping around for the best rate. If you ever have to file a claim after an accident, it's good to know your insurer has a history of quick, responsive service.
North Carolina auto insurance requirements
North Carolina requires minimum limits of $30,000 per person and up to $60,000 per accident for bodily injury liability and uninsured motorist coverage. It also requires that drivers are insured for up to $25,000 for property damage.
Minimum required limits
|Bodily injury liability||$30,000 per person/$60,000 per accident|
|Property damage liability||$25,000 per accident|
|Uninsured/underinsured motorist bodily injury||$30,000 per person/$60,000 per accident|
|Uninsured motorist property damage||$25,000 per accident|
The North Carolina Department of Insurance mandates that policies with the minimum coverage limits include only uninsured motorist coverage. Once protection limits are raised, the law requires that both uninsured and underinsured motorist coverage are bundled together on drivers' policies.
While your car insurance policy may meet North Carolina's minimum coverage requirements, it may not be the best policy for your needs.
We recommend all North Carolina drivers consider higher coverage limits, as minimum coverage may not be enough to fully cover damage in a costly accident. And if you have a car loan or lease, you'll be required to add collision and comprehensive coverage to your policy.
Average cost of car insurance in North Carolina by city
The most expensive city for car insurance in North Carolina is Newell, while the cheapest is Marble.
The average cost of full-coverage car insurance in North Carolina is $1,291 per year, or $108 per month. But depending on where you live in the state, full-coverage auto insurance rates can vary substantially.
Average monthly cost
Percent from average
Recap of the cheapest car insurance quotes in North Carolina
- Minimum coverage: Erie
- Full coverage: Erie
- After a speeding ticket: Farm Bureau
- After an at-fault accident: Erie
- After a DUI: Farm Bureau
- Poor credit history: Erie
- Married drivers: Erie
- Young drivers: State Farm
- Young drivers after a ticket: Erie
- Young drivers after an accident: Erie
Frequently asked questions
Who has the cheapest car insurance in North Carolina?
Erie has the best average price for minimum car insurance coverage in North Carolina, at $334 per year, as well as full coverage, at $880 annually.
What car insurance is required in North Carolina?
North Carolina requires $30,000/$60,000 of bodily injury liability and $25,000 in property damage coverage for all drivers. In addition, you're also required to carry the same amount of uninsured motorist coverage, which pays for your own damage if the other driver is at fault in an accident and they are uninsured. North Carolina is not a no-fault state, so you are not required to get personal injury protection (PIP).
What average cost of car insurance in North Carolina?
The average cost of auto insurance in North Carolina is $41 per month, or $492 per year, for a minimum coverage policy. The average cost for a full coverage policy is $108 per month, or $1,291 per year.
How much does car insurance cost in Charlotte?
Car insurance in Charlotte averages $1,548 per year for full coverage. It's the most expensive major city in the state for car insurance, and coverage costs about 20% more per year than the average price statewide.
What is the best insurer in North Carolina?
The best car insurance companies in North Carolina are Erie, State Farm and Farm Bureau. Those companies have strong customer service and coverage options in addition to having some of the cheapest rates in the state.
We collected thousands of rates from ZIP codes across North Carolina from the state's largest insurers. We used a sample driver with the following profile:
- 30-year-old male
- Drives a 2015 Honda Civic EX
- Average credit
The base policy for the study was a full-coverage policy:
|Bodily injury liability||$50,000 per person/$100,000 per accident|
|Personal injury protection||$10,000|
|Property damage liability||$25,000 per accident|
|Uninsured/underinsured motorist bodily injury||$50,000 per person/$100,000 per accident|
|Comprehensive and collision||$500 deductible|
For our minimum-coverage policy, we quoted a policy with the minimum required limits in North Carolina.
For other rate analyses (age, credit score, accident history and marital status), the base policy was changed to reflect the new driver. Eighteen-year-old drivers were quoted with a minimum-coverage policy.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.