To ensure you're getting your best rates, it's in your interests to get at least three quotes to compare.
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
The cheapest minimum coverage auto insurance quotes are offered by:
Together, the three insurers average rates of $318 per year, or approximately $26 per month, and 41% cheaper than the average North Carolina minimum coverage car insurance policy.
Minimum coverage only fulfills North Carolina law's minimum auto insurance requirements.
Your quotes will be different, and customized according to several factors, including your:
- Driving history
- Coverage limits
Find Cheap Auto Insurance Quotes in Your Area
The three most expensive North Carolina auto insurers were Allstate, Nationwide and State Farm, with average annual quotes of $796 per year, or 47% more than the state average.
For the complete list of cheap minimum coverage insurers, we've ranked them from most affordable to most expensive.
Minimum coverage auto insurance just meets North Carolina law's minimum requirements and doesn't include comprehensive and collision insurance, which covers damage to a driver's vehicle, regardless of fault.
Minimum coverage is less expensive than full coverage, as the former lacks comprehensive and collision coverage. And it's also cheap because of its low liability coverage limits, risking insufficient protection following an accident.
The price difference between full and minimum coverage car insurance in North Carolina is $892 per year, on average.
Cheapest full coverage auto insurance in North Carolina
How much is full coverage car insurance in North Carolina? The cheapest insurers for full coverage in North Carolina are:
- GEICO: $555
- Progressive: $685
- Erie: $1,151
These three insurers were the most affordable in North Carolina, offering average annual quotes of $797 per year, or 44% less than the state average of $1,434.
The insurers with the most expensive annual car insurance quotes for full coverage in North Carolina are:
- Allstate: $3,128
- Nationwide: $2,008
- State Farm: $1,295
Comprehensive and collision insurance coverages, which reimburse drivers for property damage to their own vehicles, are included in full coverage auto insurance policies.
Cheapest full coverage car insurance in North Carolina with a prior accident
North Carolina drivers with an accident history can find the cheapest full coverage car insurance quotes at GEICO, Progressive and Erie.
Together, these insurers offered average annual rates of $1,272 per year, or 35% less than the North Carolina average.
|Rank||Insurer||Quote before accident||Quote after accident||Difference|
|4||North Carolina Farm Bureau||$1,219||$1,535||$316|
Just one accident on your driving record can substantially increase your auto insurance quotes.
The difference in annual car insurance rates in North Carolina for a full coverage policy with no accidents compared to a policy with one accident was $525.
|No accident history||$1,434|
Best rated auto insurers in North Carolina
The best insurance companies in North Carolina, according to the complaint index, a measure of customer satisfaction, are:
- North Carolina Farm Bureau
- State Farm
These companies had the fewest complaints filed relative to their market share.
Below is a table ranking insurance companies in North Carolina, from the lowest (best) complaint index to highest (worst).
|Rank||Best auto insurance companies||Complaint index|
|2||North Carolina Farm Bureau||0.57|
Erie, Progressive and GEICO received the most complaints relative to expectations, suggesting weaker customer reviews.
To decide which companies were the best rated, and using data from the National Association of Insurance Commissioners, we calculated a complaint index that compares the number of complaints to the number of premiums in dollars.
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|
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.
Cheapest car insurance companies in North Carolina by city
In most North Carolina cities analyzed, GEICO, Progressive and Erie are the top three cheapest car insurance companies.
Your rates will differ based on your vehicle, driving record and other factors.
Below is a table with the three companies with the lowest auto insurance rates for full coverage policies in North Carolina's biggest cities.
|City||Insurer||Car insurance quote|
Drivers searching for cheap car insurance should compare auto quotes from at least three insurers. To better compare rates in North Carolina cities, we take a closer look at the cheapest car insurance companies in:
Cheap car insurance in Charlotte, NC
- Average annual auto insurance quote in Charlotte = $1,711
- Nineteen percent more expensive than North Carolina average
Charlotte was among the most expensive cities for auto insurance in North Carolina, only behind Fayetteville.
We suggest drivers in Charlotte consider obtaining quotes from GEICO, Progressive and Erie. As our top three most affordable companies near you, we found their average annual car insurance rate to be $924, a 46% discount to the Charlotte average.
Cheap car insurance in Raleigh, NC
- Average annual auto insurance quote in Raleigh = $1,446
- One percent more expensive than North Carolina average
Raleigh's car insurance rates were in line with the overall North Carolina average. Still, rates here vary widely across insurers. For example, the most expensive insurer, Allstate ($3,239) cost 6.3 times the price of the cheapest insurer, GEICO ($537) and 2.2 times the Raleigh average.
Cheap car insurance in Greensboro, NC
- Average annual auto insurance quote in Greensboro = $1,404
- Two percent cheaper than North Carolina average
We suggest Greensboro drivers save on auto insurance by comparing quotes from several insurers. While Greensboro's rates were on par with the North Carolina average, the cheapest quotes were offered by GEICO, Progressive and Erie, at a 43% discount to the city average.
Cheap car insurance in Durham, NC
- Average annual auto insurance quote in Durham = $1,458
- Two percent more expensive than North Carolina average
To find the best, cheapest car insurance, we suggest drivers get quotes from at least three insurers. Average annual rates from the most expensive insurer in Durham, Allstate ($3,613), were $2,631 more costly than that of the cheapest, GEICO ($532).
Cheap car insurance in Winston-Salem, NC
- Average annual auto insurance quote in Winston-Salem = $1,271
- Eleven percent cheaper than North Carolina average
Winston-Salem's car insurance rates for a year of full coverage were slightly less than the state average, though drivers may find even more savings by comparing auto quotes online from multiple carriers.
Average cost of car insurance in North Carolina
The average cost of full coverage car insurance in North Carolina is $1,434 per year, or $120 per month.
Depending on where North Carolinians live, auto insurance rates can vary substantially. The cheapest North Carolina cities for full coverage are:
The most expensive cities in North Carolina for car insurance are primarily located in its largest urban areas, including:
Here is a list of the average cost of auto insurance for North Carolina's 50 largest cities, ranked from cheapest to most expensive.
We collected auto insurance quotes for North Carolina cities from seven car insurance companies.
Our sample driver was:
- A 30-year-old male
- Driving a 2015 Honda Civic EX
The driver was profiled as having no credit history, making him equivalent to a driver with below-fair to poor credit, according to our data source, Quadrant Information Services.
Unless otherwise noted, our sample driver held full coverage car insurance with the following limits:
|Coverage type||Study limits|
|Bodily liability||$50,000 per person/$100,000 per accident|
|Property damage||$25,000 per accident|
|Uninsured/underinsured motorist bodily injury||$50,000 per person/$100,000 per accident|
|Comprehensive and collision||$500 deductible|
For a minimum coverage policy, our sample driver had coverage equivalent to the minimum North Carolina state requirements.
Average premiums are for illustrative purposes, as individual quotes will differ based on driving history, ZIP codes, vehicle type, coverage limits chosen and other factors.
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.
- North Carolina's Consumer Guide to Automobile Insurance
- Census QuickFacts for NC