Who Has the Cheapest Auto Insurance Quotes in North Carolina?

Who Has the Cheapest Auto Insurance Quotes in North Carolina?

The cheapest car insurance in North Carolina comes from North Carolina Farm Bureau, which offers coverage for $335, on average.

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The cheapest car insurance in North Carolina comes from North Carolina Farm Bureau, which offers coverage for $335, on average.

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To ensure you're getting your best rates, it's in your interest to compare at least three quotes. Enter your ZIP above to see which insurers are active near you, or for more information on prices in North Carolina, read below.

Cheapest minimum coverage car insurance companies in North Carolina

For a minimum-coverage policy, the average cost of car insurance in North Carolina is $445 per year, or $37 per month.

North Carolina Farm Bureau offers the cheapest rates to drivers who want a policy that satisfies the state's minimum auto insurance requirements. The average cost of car insurance from the North Carolina Farm Bureau is $335 per year — 25% cheaper than the statewide mean.

Alternatively, drivers may find cheap rates with a number of other companies, including Erie, Geico and State Farm. Each charges customers less than $400 per year for coverage, on average.

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Rank
Insurer
Annual cost
Monthly cost
1North Carolina Farm Bureau$335$28
2Erie Insurance$347$29
3Geico$349$29
4State Farm$380$32
5Progressive$474$39
6Nationwide$534$45
7Allstate$697$58

*Farm Bureau requires $25 membership dues

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Minimum coverage is less expensive than full coverage, as the former doesn’t include comprehensive and collision coverage. It's also cheap because of its low liability coverage limits, which means you’re risking insufficient protection following an accident.

Cheapest full coverage auto insurance in North Carolina

The average cost of full coverage car insurance in North Carolina is $1,506 per year — $1,061 more than the cost of a liability-only policy in the state.

While the cost of full coverage is more than three times greater than the average cost of minimum coverage, it's still possible to find affordable quotes in North Carolina. In fact, the cheapest full coverage car insurance in the state comes from Geico. The insurer charges $910 per year for insurance, 40% less than the statewide average.

Drivers can also find cheap full coverage from Erie Insurance and North Carolina Farm Bureau. Insurance from these companies costs an average of $1,169 per year, or $97 per month — $337 cheaper per year than the statewide mean.

Rank
Insurer
Annual cost
Monthly cost
1Geico$910$76
2Erie Insurance$1,144$95
3North Carolina Farm Bureau$1,195$100
4Progressive$1,202$100
5State Farm$1,223$102
6Nationwide$1,889$157
7Allstate P&C Annual Premium$2,981$248
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Cheap car insurance for drivers with prior incidents

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. ValuePenguin considered these incidents and lists the cheapest full-coverage car insurance in North Carolina for drivers with different backgrounds.

Cheapest full coverage car insurance in North Carolina with a prior accident: Erie Insurance

After an accident, drivers will see substantially higher rates 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 provider for people who have been in an accident.

Insurer
Annual cost
Monthly cost
Erie Insurance$1,202$100
North Carolina Farm Bureau$1,912$159
Progressive$1,925$160
Average in North Carolina$2,309$192
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Cheapest for drivers with a speeding ticket: North Carolina Farm Bureau

Receiving a speeding ticket is likely to cause one's rates to rise — though not as much as getting into an at-fault accident. North Carolina Farm Bureau has the cheapest car insurance for drivers who have a ticket on their record. Full coverage costs $1,605 per year with the insurer, which is 23% cheaper than average.

Insurer
Annual cost
Monthly cost
North Carolina Farm Bureau$1,605$134
Erie Insurance$1,615$135
Progressive$1,615$135
Average in North Carolina$2,076$173
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Cheapest for drivers with a DUI: North Carolina Farm Bureau

The cheapest car insurance in North Carolina for drivers with a DUI or DWI is North Carolina Farm Bureau, which sells coverage for 22% less than average. Getting cited for a DUI is expensive: one offense can raise the average cost of insurance by nearly triple — or $4,514 per year.

Insurer
Annual cost
Monthly cost
North Carolina Farm Bureau$4,678$390
Erie Insurance$4,712$393
Progressive$4,713$393
Average in North Carolina$6,020$502
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Cheapest for drivers with poor credit: Progressive

It's common for insurers to charge higher rates for drivers with poor credit than others. Fortunately, Progressive still offers cheap car insurance to those drivers. With Progressive, the auto insurance costs for drivers with poor credit remain the same as it was for most people.

Insurer
Annual cost
Monthly cost
Progressive$1,202$100
Erie$1,221$102
Geico$1,328$111
Average in North Carolina$1,775$148
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{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EIt'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. ValuePenguin considered these incidents and lists the cheapest full-coverage car insurance in North Carolina for drivers with different backgrounds.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Cheapest for drivers with an accident: Erie Insurance\" href=\"#accidents\"\u003ECheapest for drivers with an accident: Erie Insurance\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Cheapest for drivers with a speeding ticket: North Carolina Farm Bureau\" href=\"#speeding\"\u003ECheapest for drivers with a speeding ticket: North Carolina Farm Bureau\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Cheapest for drivers with a DUI: North Carolina Farm Bureau\" href=\"#dui\"\u003ECheapest for drivers with a DUI: North Carolina Farm Bureau\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Cheapest for drivers with poor credit: Progressive\" href=\"#credit\"\u003ECheapest for drivers with poor credit: Progressive\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Ch3 id=\"accidents\"\u003ECheapest full coverage car insurance in North Carolina with a prior accident: Erie Insurance\u003C\/h3\u003E\n\n\u003Cp\u003EAfter an accident, drivers will see substantially higher rates 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: \u003Cstrong\u003EErie\u003C\/strong\u003E is the cheapest provider for people who have been in an accident.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EErie Insurance\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E$1,202\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$100\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENorth Carolina Farm Bureau\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E$1,912\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$159\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E$1,925\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$160\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAverage in North Carolina\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E$2,309\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$192\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\",\"right\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"Erie Insurance\",\"$1,202\",\"$100\"],[\"North Carolina Farm Bureau\",\"$1,912\",\"$159\"],[\"Progressive\",\"$1,925\",\"$160\"],[\"Average in North Carolina\",\"$2,309\",\"$192\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\"speeding\"\u003ECheapest for drivers with a speeding ticket: North Carolina Farm Bureau\u003C\/h3\u003E\n\n\u003Cp\u003EReceiving a speeding ticket is likely to cause one's rates to rise \u2014 though not as much as getting into an at-fault accident. \u003Cstrong\u003ENorth Carolina Farm Bureau\u003C\/strong\u003E has the cheapest car insurance for drivers who have a ticket on their record. Full coverage costs $1,605 per year with the insurer, which is 23% cheaper than average.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENorth Carolina Farm Bureau\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,605\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$134\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EErie Insurance\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,615\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$135\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,615\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$135\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAverage in North Carolina\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,076\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$173\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"North Carolina Farm Bureau\",\"$1,605\",\"$134\"],[\"Erie Insurance\",\"$1,615\",\"$135\"],[\"Progressive\",\"$1,615\",\"$135\"],[\"Average in North Carolina\",\"$2,076\",\"$173\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\"dui\"\u003ECheapest for drivers with a DUI: North Carolina Farm Bureau\u003C\/h3\u003E\n\n\u003Cp\u003EThe cheapest car insurance in North Carolina for drivers with a DUI or DWI is \u003Cstrong\u003ENorth Carolina Farm Bureau\u003C\/strong\u003E, which sells coverage for 22% less than average. Getting cited for a DUI is expensive: one offense can raise the average cost of insurance by nearly triple \u2014 or $4,514 per year.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENorth Carolina Farm Bureau\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,678\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$390\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EErie Insurance\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,712\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$393\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,713\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$393\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAverage in North Carolina\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$6,020\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$502\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"North Carolina Farm Bureau\",\"$4,678\",\"$390\"],[\"Erie Insurance\",\"$4,712\",\"$393\"],[\"Progressive\",\"$4,713\",\"$393\"],[\"Average in North Carolina\",\"$6,020\",\"$502\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\"credit\"\u003ECheapest for drivers with poor credit: Progressive\u003C\/h3\u003E\n\n\u003Cp\u003EIt's common for insurers to charge higher rates for drivers with poor credit than others. Fortunately, \u003Cstrong\u003EProgressive\u003C\/strong\u003E still offers cheap car insurance to those drivers. With Progressive, the auto insurance costs for drivers with poor credit remain the same as it was for most people.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,202\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$100\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EErie\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,221\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$102\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,328\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$111\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAverage in North Carolina\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,775\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$148\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"Progressive\",\"$1,202\",\"$100\"],[\"Erie\",\"$1,221\",\"$102\"],[\"Geico\",\"$1,328\",\"$111\"],[\"Average in North Carolina\",\"$1,775\",\"$148\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Cheapest for married drivers: Erie Insurance

For the most part, married drivers pay the same amount for car insurance in North Carolina as unmarried people. However, because Geico charges more for married individuals (as opposed to bundled coverage), the average cost is slightly higher for married drivers in the state. In any case, Erie is the cheapest for car insurance for married drivers.

Insurer
Annual cost
Monthly cost
Erie Insurance$1,144$95
North Carolina Farm Bureau$1,195$100
Progressive$1,202$100
Average in North Carolina$1,529$127
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{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EFor the most part, married drivers pay the same amount for car insurance in North Carolina as unmarried people. However, because \u003Cstrong\u003EGeico\u003C\/strong\u003E charges more for married individuals (as opposed to bundled coverage), the average cost is slightly higher for married drivers in the state. In any case, \u003Cstrong\u003EErie\u003C\/strong\u003E is the cheapest for car insurance for married drivers.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EErie Insurance\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,144\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$95\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENorth Carolina Farm Bureau\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,195\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$100\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,202\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$100\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAverage in North Carolina\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,529\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$127\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"Erie Insurance\",\"$1,144\",\"$95\"],[\"North Carolina Farm Bureau\",\"$1,195\",\"$100\"],[\"Progressive\",\"$1,202\",\"$100\"],[\"Average in North Carolina\",\"$1,529\",\"$127\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Cheapest car insurance for young drivers: Geico

In North Carolina, young drivers pay more than double — $522 per year — for minimum coverage than older drivers.

The cost of car insurance is much higher for young drivers compared to their older counterparts. Younger drivers are viewed as more likely to take risks and act unsafely than experienced drivers. Still, it's possible to get affordable insurance from Geico, which offers the cheapest full coverage car in North Carolina, on average. The insurer's rates are 34% cheaper than average.

For minimum coverage, State Farm has the cheapest car insurance. The insurer's rates are $29 cheaper per year than Geico's. Alternatively, North Carolina Farm Bureau has cheap liability-only coverage, which costs only $7 more per year than State Farm.

Rank
Insurer
Full coverage
Minimum coverage
1Geico$2,233$733
2State Farm$2,354$704
3Erie Insurance$2,373$762
4North Carolina Farm Bureau$2,440$711
5Progressive$2,457$1,035
6Nationwide$4,762$1,235
7Allstate$6,964$1,587
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Cheapest for young drivers with prior accident: Erie Insurance

The cheapest car insurance for young drivers who have been involved in one at-fault accident is Erie, which offers coverage for $2,493 — $42 more affordable than average. As with older drivers, insurers are likely to raise rates for younger policyholders after they’ve been in an accident. In fact, the average cost of coverage after an accident increased by $955 per year.

Insurer
Annual cost
Monthly cost
Erie Insurance$2,493$208
North Carolina Farm Bureau$3,158$263
Progressive$3,180$265
Average in North Carolina$4,324$360
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Cheapest for young drivers with a speeding ticket: Geico

Young drivers who have received a speeding ticket can still find affordable car insurance by comparing rates from multiple companies. The cost of Geico is $2,849 per year for drivers who have been caught speeding, making it the cheapest provider in North Carolina.

Insurer
Annual cost
Monthly cost
Geico$2,849$237
North Carolina Farm Bureau$2,850$238
Progressive$2,870$239
Average in North Carolina$3,976$331
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Best rated auto insurers in North Carolina

ValuePenguin recommends comparing the customer service reputations of insurance providers in your area in addition to shopping around for the best rate. If you ever have to file a claim after a loss, it's a good idea to know your provider has a history of quick, responsive service.

Nationwide was the best-reviewed insurance provider in a study commissioned by ValuePenguin. Seventy-eight percent of policyholders said they were extremely satisfied with their most recent claim — a high-point relative to its competitors. Moreover, 53% of respondents rated Progressive's customer service as "excellent."

Rank
Insurer
% of respondents overall extremely satisfied with most recent claim
% of respondents who rated customer service as "excellent"
1Nationwide78%53%
2State Farm73%46%
3Allstate72%47%
4Erie Insurance67%50%
5Progressive74%34%
6Geico64%42%
N/ANorth Carolina Farm Bureau
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According to another measurement, the Complaint Index — published by the National Association of Insurance Commissioners (NAIC) — State Farm is the car insurance company with the best customer service. The insurer received 66% of the complaints expected for its market share. Below is a table ranking insurance companies in North Carolina, from the lowest (best) complaint index to highest (worst).

Rank
Insurer
2019 NAIC complaint index
2020 J.D. Power Claims Satisfaction
AM Best Rating
1State Farm0.66881A++
2North Carolina Farm Bureau0.57A
3Geico0.76871A++
4Allstate0.71876A+
5Progressive1.16856A+
6Nationwide0.46876A+
7Erie Insurance1.1880A+
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A lower complaint number indicates fewer customer complaints against the company, adjusted for market size. The national median is 1.0, which means insurers with an index below that number offer better service than the median insurer.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EValuePenguin recommends comparing the customer service reputations of insurance providers in your area in addition to shopping around for the best rate. If you ever have to file a claim after a loss, it's a good idea to know your provider has a history of quick, responsive service.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ENationwide\u003C\/strong\u003E was the best-reviewed insurance provider in a study commissioned by ValuePenguin. Seventy-eight percent of policyholders said they were extremely satisfied with their most recent claim \u2014 a high-point relative to its competitors. Moreover, 53% of respondents rated Progressive's customer service as \"excellent.\"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ERank\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003E% of respondents overall extremely satisfied with most recent claim\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003E% of respondents who rated customer service as \"excellent\"\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003E\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E1\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENationwide\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E78%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E53%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E2\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E73%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E46%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E72%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E47%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EErie Insurance\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E67%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E50%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E5\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E74%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E34%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E6\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E64%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E42%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EN\/A\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENorth Carolina Farm Bureau\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u2014\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u2014\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Rank\",\"Insurer\",\"% of respondents overall extremely satisfied with most recent claim\",\"% of respondents who rated customer service as \\\"excellent\\\"\",\"\"],[\"1\",\"Nationwide\",\"78%\",\"53%\",\"\"],[\"2\",\"State Farm\",\"73%\",\"46%\",\"\"],[\"3\",\"Allstate\",\"72%\",\"47%\",\"\"],[\"4\",\"Erie Insurance\",\"67%\",\"50%\",\"\"],[\"5\",\"Progressive\",\"74%\",\"34%\",\"\"],[\"6\",\"Geico\",\"64%\",\"42%\",\"\"],[\"N\\\/A\",\"North Carolina Farm Bureau\",\"\\u2014\",\"\\u2014\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EAccording to another measurement, the Complaint Index \u2014 published by the National Association of Insurance Commissioners (NAIC) \u2014 State Farm is the car insurance company with the best customer service. The insurer received 66% of the complaints expected for its market share. Below is a table ranking insurance companies in North Carolina, from the lowest (best) complaint index to highest (worst).\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t fqGswX\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn gpuvyY\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ERank\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003E2019 NAIC complaint index\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003E2020 J.D. Power Claims Satisfaction\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAM Best Rating\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-1sg18j koooQF\"\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E1\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.66\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E881\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E2\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENorth Carolina Farm Bureau\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.57\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u2014\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.76\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E871\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.71\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E876\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E5\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E1.16\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E856\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E6\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENationwide\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.46\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E876\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"StyledBodyRow-sc-1wladry dsfQge\"\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E7\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EErie Insurance\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E1.1\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E880\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\",\"right\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Rank\",\"Insurer\",\"2019 NAIC complaint index\",\"2020 J.D. Power Claims Satisfaction\",\"AM Best Rating\"],[\"1\",\"State Farm\",\"0.66\",\"881\",\"A++\"],[\"2\",\"North Carolina Farm Bureau\",\"0.57\",\"\\u2014\",\"A\"],[\"3\",\"Geico\",\"0.76\",\"871\",\"A++\"],[\"4\",\"Allstate\",\"0.71\",\"876\",\"A+\"],[\"5\",\"Progressive\",\"1.16\",\"856\",\"A+\"],[\"6\",\"Nationwide\",\"0.46\",\"876\",\"A+\"],[\"7\",\"Erie Insurance\",\"1.1\",\"880\",\"A+\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeBorder--root ShortcodeBorder--with-padding\"\u003E\nA lower complaint number indicates fewer customer complaints against the company, adjusted for market size. The national median is 1.0, which means insurers with an index below that number offer better service than the median insurer.\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

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.

Type
North Carolina minimum requirements
Bodily injury liability$30,000 per person, and up to $60,000 per accident
Property damage liability$25,000 per accident
Uninsured/underinsured motorist bodily injury$30,000 per person, and up to $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.

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While your car insurance policy may meet North Carolina's minimum coverage requirements, it may not be the policy most appropriate for your needs.

We recommend all North Carolina drivers consider higher coverage limits, as minimum coverage may not be enough to fully cover damages in a costly accident.

No spam. No hassle. No hidden costs.
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Average cost of car insurance in North Carolina

The average cost of full coverage car insurance in North Carolina is $1,506 per year, or $126 per month. But depending on where you live in the state, auto insurance rates can vary substantially. Below, we've listed average cost of full coverage auto insurance for cities across the state.

The most expensive city for car insurance in North Carolina is Newell, while the cheapest is Alexander.

Rank
City
Annual cost
Difference from average
1Alexander$1,318-13%
2Leicester$1,319-12%
3Candler$1,321-12%
4Weaverville$1,322-12%
5Lewisville$1,322-12%
6Barnardsville$1,324-12%
7Swannanoa$1,324-12%
8Kernersville$1,327-12%
9Rural Hall$1,328-12%
10Maggie Valley$1,329-12%
11Tobaccoville$1,329-12%
12Cherokee$1,329-12%
Show All Rows
{"alignsHorizontal":["left","left","right","right"],"alignsVertical":[],"columnWidths":[],"data":[["Rank","City","Annual cost","Difference from average"],["1","Alexander","$1,318","-13%"],["2","Leicester","$1,319","-12%"],["3","Candler","$1,321","-12%"],["4","Weaverville","$1,322","-12%"],["5","Lewisville","$1,322","-12%"],["6","Barnardsville","$1,324","-12%"],["7","Swannanoa","$1,324","-12%"],["8","Kernersville","$1,327","-12%"],["9","Rural Hall","$1,328","-12%"],["10","Maggie Valley","$1,329","-12%"],["11","Tobaccoville","$1,329","-12%"],["12","Cherokee","$1,329","-12%"],["13","Lake Junaluska","$1,329","-12%"],["14","Black Mountain","$1,330","-12%"],["15","Whittier","$1,330","-12%"],["16","Belews Creek","$1,330","-12%"],["17","West Canton","$1,330","-12%"],["18","Waynesville","$1,330","-12%"],["19","Canton","$1,331","-12%"],["20","Pfafftown","$1,331","-12%"],["21","Walkertown","$1,331","-12%"],["22","Clyde","$1,331","-12%"],["23","Clemmons","$1,333","-11%"],["24","Sylva","$1,334","-11%"],["25","Brevard","$1,334","-11%"],["26","Hot Springs","$1,337","-11%"],["27","Mars Hill","$1,340","-11%"],["28","Laurel Park","$1,340","-11%"],["29","Valley Hill","$1,340","-11%"],["30","Bryson City","$1,342","-11%"],["31","Pisgah Forest","$1,342","-11%"],["32","Cullowhee","$1,342","-11%"],["33","Lake Toxaway","$1,342","-11%"],["34","Etowah","$1,342","-11%"],["35","Marshall","$1,343","-11%"],["36","Tuckasegee","$1,343","-11%"],["37","Woodfin","$1,344","-11%"],["38","Almond","$1,345","-11%"],["39","Topton","$1,345","-11%"],["40","Franklin","$1,345","-11%"],["41","Royal Pines","$1,345","-11%"],["42","Avery Creek","$1,346","-11%"],["43","Robbinsville","$1,346","-11%"],["44","Arden","$1,346","-11%"],["45","Penrose","$1,346","-11%"],["46","Hendersonville","$1,346","-11%"],["47","Balfour","$1,346","-11%"],["48","Murphy","$1,346","-11%"],["49","Cashiers","$1,347","-11%"],["50","Andrews","$1,347","-11%"],["51","Brasstown","$1,347","-11%"],["52","Otto","$1,347","-11%"],["53","Hayesville","$1,347","-11%"],["54","Highlands","$1,348","-11%"],["55","Barker Heights","$1,348","-10%"],["56","Marble","$1,348","-10%"],["57","Horse Shoe","$1,348","-10%"],["58","Edneyville","$1,348","-10%"],["59","Biltmore Forest","$1,349","-10%"],["60","Mountain Home","$1,349","-10%"],["61","King","$1,349","-10%"],["62","Fruitland","$1,350","-10%"],["63","Carrboro","$1,350","-10%"],["64","Dana","$1,350","-10%"],["65","Mills River","$1,351","-10%"],["66","Asheville","$1,352","-10%"],["67","Colfax","$1,353","-10%"],["68","East Flat Rock","$1,353","-10%"],["69","Zirconia","$1,356","-10%"],["70","Old Fort","$1,356","-10%"],["71","Fletcher","$1,357","-10%"],["72","Bent Creek","$1,357","-10%"],["73","Germanton","$1,357","-10%"],["74","Chapel Hill","$1,358","-10%"],["75","Jamestown","$1,359","-10%"],["76","Summerfield","$1,360","-10%"],["77","Flat Rock","$1,360","-10%"],["78","Advance","$1,360","-10%"],["79","Bermuda Run","$1,360","-10%"],["80","Oak Ridge","$1,360","-10%"],["81","Pleasant Garden","$1,362","-10%"],["82","Climax","$1,362","-10%"],["83","Morrisville","$1,363","-10%"],["84","Winston-Salem","$1,364","-9%"],["85","Salter Path","$1,365","-9%"],["86","Morehead City","$1,366","-9%"],["87","Atlantic Beach","$1,367","-9%"],["88","Pine Knoll Shores","$1,367","-9%"],["89","Cooleemee","$1,367","-9%"],["90","Mocksville","$1,367","-9%"],["91","Stokesdale","$1,368","-9%"],["92","Gibsonville","$1,368","-9%"],["93","Whitsett","$1,369","-9%"],["94","Haw River","$1,369","-9%"],["95","Julian","$1,370","-9%"],["96","Beaufort","$1,371","-9%"],["97","Harkers Island","$1,371","-9%"],["98","Altamahaw","$1,372","-9%"],["99","Elon","$1,372","-9%"],["100","Nebo","$1,372","-9%"],["101","Graham","$1,372","-9%"],["102","Yadkinville","$1,372","-9%"],["103","Smyrna","$1,373","-9%"],["104","Burlington","$1,375","-9%"],["105","Woodlawn","$1,376","-9%"],["106","Siloam","$1,376","-9%"],["107","Glen Raven","$1,378","-9%"],["108","Browns Summit","$1,378","-8%"],["109","Green Level","$1,378","-8%"],["110","Atlantic","$1,378","-8%"],["111","East Bend","$1,378","-8%"],["112","Mebane","$1,378","-8%"],["113","Montreat","$1,378","-8%"],["114","Ridgecrest","$1,378","-8%"],["115","McLeansville","$1,379","-8%"],["116","Holly Springs","$1,379","-8%"],["117","West Marion","$1,379","-8%"],["118","Marion","$1,380","-8%"],["119","Cricket","$1,380","-8%"],["120","Fairplains","$1,380","-8%"],["121","Mulberry","$1,380","-8%"],["122","North Wilkesboro","$1,381","-8%"],["123","Saluda","$1,383","-8%"],["124","Ararat","$1,385","-8%"],["125","Arapahoe","$1,385","-8%"],["126","Dobson","$1,386","-8%"],["127","Liberty","$1,386","-8%"],["128","Grantsboro","$1,387","-8%"],["129","Boonville","$1,387","-8%"],["130","Lowgap","$1,387","-8%"],["131","Randleman","$1,387","-8%"],["132","State Road","$1,387","-8%"],["133","Hamptonville","$1,387","-8%"],["134","Elkin","$1,387","-8%"],["135","Thurmond","$1,387","-8%"],["136","Balsam","$1,387","-8%"],["137","Dillsboro","$1,387","-8%"],["138","Hazelwood","$1,387","-8%"],["139","Merritt","$1,388","-8%"],["140","Ronda","$1,388","-8%"],["141","Jonesville","$1,388","-8%"],["142","Apex","$1,388","-8%"],["143","Oriental","$1,388","-8%"],["144","Neuse Forest","$1,389","-8%"],["145","Lake Lure","$1,389","-8%"],["146","Ennice","$1,389","-8%"],["147","White Plains","$1,390","-8%"],["148","Sparta","$1,390","-8%"],["149","Fairfield Harbour","$1,390","-8%"],["150","Spindale","$1,390","-8%"],["151","Broad Creek","$1,390","-8%"],["152","Mount Airy","$1,391","-8%"],["153","Sneads Ferry","$1,391","-8%"],["154","Emerald Isle","$1,391","-8%"],["155","Toast","$1,391","-8%"],["156","Newport","$1,391","-8%"],["157","Enka","$1,391","-8%"],["158","Holly Ridge","$1,392","-8%"],["159","North Topsail Beach","$1,392","-8%"],["160","Bogue","$1,392","-8%"],["161","Mill Spring","$1,393","-7%"],["162","Stella","$1,393","-7%"],["163","James City","$1,394","-7%"],["164","Deep Gap","$1,394","-7%"],["165","Balsam Grove","$1,395","-7%"],["166","Cedar Mountain","$1,395","-7%"],["167","Fontana Dam","$1,395","-7%"],["168","Glenville","$1,395","-7%"],["169","Rosman","$1,395","-7%"],["170","Sapphire","$1,395","-7%"],["171","Scaly Mountain","$1,395","-7%"],["172","Culberson","$1,395","-7%"],["173","Warne","$1,395","-7%"],["174","Jefferson","$1,395","-7%"],["175","Cape Carteret","$1,395","-7%"],["176","Fleetwood","$1,395","-7%"],["177","Hubert","$1,395","-7%"],["178","Harmony","$1,395","-7%"],["179","Cedar 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Square","$1,602","6%"],["708","Pinetops","$1,602","6%"],["709","Margarettsville","$1,602","6%"],["710","Woodland","$1,602","6%"],["711","Walstonburg","$1,602","6%"],["712","Jackson","$1,602","6%"],["713","Timberlake","$1,603","6%"],["714","Swanquarter","$1,603","6%"],["715","Tyner","$1,603","6%"],["716","Clinton","$1,603","6%"],["717","McAdenville","$1,603","6%"],["718","Whitakers","$1,603","6%"],["719","Conway","$1,604","6%"],["720","Pendleton","$1,604","6%"],["721","Como","$1,604","7%"],["722","Murfreesboro","$1,604","7%"],["723","Winton","$1,604","7%"],["724","Salemburg","$1,604","7%"],["725","Ahoskie","$1,605","7%"],["726","Harrellsville","$1,605","7%"],["727","Keener","$1,605","7%"],["728","Cofield","$1,605","7%"],["729","Eure","$1,605","7%"],["730","Broadway","$1,606","7%"],["731","Gates","$1,606","7%"],["732","Hobbsville","$1,606","7%"],["733","Sunbury","$1,606","7%"],["734","Mount Holly","$1,606","7%"],["735","Gatesville","$1,606","7%"],["736","Corapeake","$1,606","7%"],["737","Lowell","$1,606","7%"],["738","Maury","$1,607","7%"],["739","Bullock","$1,607","7%"],["740","Rose Hill","$1,608","7%"],["741","Greenevers","$1,608","7%"],["742","Newton Grove","$1,608","7%"],["743","Godwin","$1,608","7%"],["744","Youngsville","$1,609","7%"],["745","Harrells","$1,611","7%"],["746","Snow Hill","$1,611","7%"],["747","Garland","$1,611","7%"],["748","Elm City","$1,611","7%"],["749","Bath","$1,613","7%"],["750","Atkinson","$1,613","7%"],["751","Kelly","$1,613","7%"],["752","Pantego","$1,613","7%"],["753","Belhaven","$1,613","7%"],["754","Stedman","$1,614","7%"],["755","Bunn","$1,615","7%"],["756","Lemon Springs","$1,616","7%"],["757","Olivia","$1,616","7%"],["758","Hollister","$1,617","7%"],["759","Scotland Neck","$1,619","7%"],["760","Lake Royale","$1,622","8%"],["761","Louisburg","$1,623","8%"],["762","Castalia","$1,624","8%"],["763","Pinetown","$1,629","8%"],["764","Eastover","$1,631","8%"],["765","Stem","$1,641","9%"],["766","Wade","$1,641","9%"],["767","Butner","$1,644","9%"],["768","Jaars","$1,648","9%"],["769","Waxhaw","$1,650","10%"],["770","Mineral Springs","$1,651","10%"],["771","Creedmoor","$1,653","10%"],["772","Knightdale","$1,655","10%"],["773","Marvin","$1,655","10%"],["774","Mc Farlan","$1,661","10%"],["775","Hamlet","$1,663","10%"],["776","Dobbins Heights","$1,664","11%"],["777","Rockingham","$1,665","11%"],["778","East Rockingham","$1,666","11%"],["779","Cordova","$1,666","11%"],["780","Wadesboro","$1,668","11%"],["781","Weddington","$1,672","11%"],["782","Gastonia","$1,677","11%"],["783","Barnesville","$1,683","12%"],["784","Marietta","$1,683","12%"],["785","Proctorville","$1,683","12%"],["786","Lake Park","$1,684","12%"],["787","Paw Creek","$1,688","12%"],["788","Lilesville","$1,691","12%"],["789","Stallings","$1,692","12%"],["790","Morven","$1,693","12%"],["791","Wesley Chapel","$1,693","12%"],["792","Ansonville","$1,695","13%"],["793","Dallas","$1,696","13%"],["794","Red Springs","$1,700","13%"],["795","Dublin","$1,701","13%"],["796","Bessemer City","$1,703","13%"],["797","Rowland","$1,704","13%"],["798","Matthews","$1,705","13%"],["799","Indian Trail","$1,705","13%"],["800","Fairmont","$1,705","13%"],["801","Laurinburg","$1,706","13%"],["802","Orrum","$1,707","13%"],["803","Gibson","$1,710","14%"],["804","Laurel Hill","$1,711","14%"],["805","Maxton","$1,711","14%"],["806","Wagram","$1,711","14%"],["807","Linden","$1,714","14%"],["808","Marshville","$1,715","14%"],["809","Polkton","$1,719","14%"],["810","Lumberton","$1,719","14%"],["811","Peachland","$1,720","14%"],["812","Ranlo","$1,727","15%"],["813","Council","$1,727","15%"],["814","Clarkton","$1,728","15%"],["815","White Lake","$1,728","15%"],["816","White Oak","$1,729","15%"],["817","Elizabethtown","$1,730","15%"],["818","Whiteville","$1,730","15%"],["819","Wingate","$1,730","15%"],["820","Monroe","$1,731","15%"],["821","Tar Heel","$1,731","15%"],["822","Bladenboro","$1,732","15%"],["823","Brunswick","$1,733","15%"],["824","Pineville","$1,734","15%"],["825","Unionville","$1,737","15%"],["826","Mint Hill","$1,740","16%"],["827","Cumberland","$1,745","16%"],["828","Rex","$1,748","16%"],["829","Hoffman","$1,749","16%"],["830","Marston","$1,750","16%"],["831","Bunnlevel","$1,750","16%"],["832","Bowmore","$1,754","16%"],["833","Nakina","$1,754","16%"],["834","Raeford","$1,757","17%"],["835","Hallsboro","$1,758","17%"],["836","Clarendon","$1,758","17%"],["837","Tabor City","$1,758","17%"],["838","Silver City","$1,759","17%"],["839","Chadbourn","$1,760","17%"],["840","Fayetteville","$1,761","17%"],["841","Rockfish","$1,762","17%"],["842","Cerro Gordo","$1,762","17%"],["843","Fair Bluff","$1,763","17%"],["844","Evergreen","$1,763","17%"],["845","Shannon","$1,765","17%"],["846","Hope Mills","$1,766","17%"],["847","Lumber Bridge","$1,766","17%"],["848","Parkton","$1,769","17%"],["849","Rennert","$1,769","17%"],["850","Pembroke","$1,769","17%"],["851","St. Pauls","$1,771","18%"],["852","Spring Lake","$1,772","18%"],["853","Pope Army Airfield","$1,788","19%"],["854","Fort Bragg","$1,790","19%"],["855","Charlotte","$1,797","19%"],["856","Newell","$1,947","29%"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}


Auto insurance rate changes in North Carolina

The auto industry’s top 10 largest companies reduced rates on average by 1.5% for the 2020 plan year. State Farm led the industry in cutting rates, decreasing auto premiums by 7.7% for all drivers renewing and buying auto insurance policies. Erie is the only other company to decrease its rates in the past year — by 6.3%.

Auto rates have been falling primarily due to the pandemic, as fewer drivers hit the road. This led to record lows for auto claims, allowing insurers to offer cheaper rates across North Carolina.

Insurer
Premiums written (millions) 2019
Rate Change 2019
Rate Change 2020
State Farm$932.0-5.0%-7.7%
Geico$847.61.6%0.0%
National$677.41.6%0.0%
Nationwide$657.51.6%0.0%
North Carolina Farm Bureau$641.11.6%0.0%
Allstate$528.82.7%0.0%
USAA$511.72.6%1.3%
Progressive$480.91.6%0.0%
Erie$268.11.6%-6.3%
Liberty Mutual$186.91.6%0.0%
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Recap of the cheapest car insurance in North Carolina

  • Cheapest minimum coverage: North Carolina Farm Bureau
  • Cheapest for full coverage: Geico
  • Cheapest with one accident: Erie Insurance
  • Cheapest with one speeding violation: North Carolina Farm Bureau
  • Cheapest with one DUI: North Carolina Farm Bureau
  • Cheapest for drivers with poor credit: Progressive
  • Cheapest for married drivers: Erie Insurance
  • Cheapest for young drivers: State Farm
  • Cheapest full coverage for young drivers: Geico
  • Cheapest for young drivers with one accident: Erie Insurance
  • Cheapest for young drivers with a speeding ticket: Geico
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Methodology

We collected thousands of rates from ZIP codes across North Carolina for the largest 10 insurers. We used a sample driver with the following profile:

  • 30-year-old man
  • Drives a 2015 Honda Civic EX
  • Average credit

The base policy for the study was a full-coverage policy with the following limits:

Coverage type
Study limits
Bodily liability$50,000 per person/$100,000 per accident
Personal injury protection$10,000
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible
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For our minimum-coverage policy, we quoted a policy with the minimum required limits in North Carolina, above.

For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was alternated to reflect the new driver.

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.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.