Who Has the Cheapest Auto Insurance Quotes in North Carolina?

Find the Cheapest Auto Insurance Quotes in Your Area

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The average cost of minimum coverage car insurance in North Carolina is $542 per year, or $45 per month.

Your car insurance quotes will vary depending on your vehicle, residence, coverage selections and other factors. In North Carolina, for instance, the cheapest car insurance company cost nearly one-sixth the price of the most expensive.

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:

  • GEICO
  • Progressive
  • Erie

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:

  • Vehicle
  • Address
  • Driving history
  • Coverage limits
In this graph, we show the companies that had the cheapest car insurance rates in North Carolina
In this graph, we show the companies that had the cheapest car insurance rates in North Carolina

Find the Cheapest Auto Insurance Quotes in Your Area

Currently insured?
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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.

RankInsurerCar insurance quote
1GEICO$236
2Progressive$276
3Erie$442
4North Carolina Farm Bureau$452
5State Farm$475
6Nationwide$632
7Allstate$1,282
North Carolina Farm Bureau requires $25 membership dues

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.

RankInsurerQuote before accidentQuote after accidentDifference
1GEICO$555$984$429
2Progressive$685$1,310$625
3Erie$1,151$1,522$371
4North Carolina Farm Bureau$1,219$1,535$316
5State Farm$1,295$1,784$489
6Nationwide$2,008$2,608$600
7Allstate$3,128$3,973$845

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.

Annual rate
No accident history$1,434
One accident$1,959

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:

  • Nationwide
  • 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).

RankBest auto insurance companiesComplaint index
1Nationwide0.36
2North Carolina Farm Bureau0.57
3State Farm0.57
4Allstate0.63
5GEICO0.72
6Progressive0.79
7Erie0.79

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.

TypeNorth 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.

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.

CityInsurerCar insurance quote
AlbemarleGEICO$576
Progressive$634
Erie$1,053
ApexGEICO$529
Progressive$565
Erie$1,095
AsheboroGEICO$576
Progressive$623
Erie$1,057
AshevilleGEICO$525
Progressive$567
Erie$998
BooneGEICO$537
Progressive$694
Erie$1,035
BurlingtonGEICO$557
Progressive$564
Erie$1,072
CarrboroProgressive$513
GEICO$517
State Farm$984
CaryGEICO$497
Progressive$571
Erie$1,052
Chapel HillGEICO$517
Progressive$608
Erie$998
CharlotteGEICO$572
Progressive$896
Erie$1,304
ClaytonGEICO$545
Progressive$697
Erie$1,203
ClemmonsGEICO$530
Progressive$588
Erie$1,016
ConcordGEICO$577
Progressive$715
Erie$1,231
CorneliusGEICO$549
Progressive$722
State Farm$1,123
DurhamGEICO$532
Progressive$711
Erie$1,152
Elizabeth CityGEICO$488
Progressive$549
Erie$1,077
FayettevilleGEICO$577
Progressive$954
Erie$1,404
Fuquay-VarinaGEICO$545
Progressive$670
Erie$1,223
GarnerGEICO$545
Progressive$683
Erie$1,223
GastoniaGEICO$604
Progressive$801
Erie$1,315
GoldsboroGEICO$507
Progressive$689
Erie$1,223
GreensboroGEICO$561
Progressive$678
Erie$1,170
GreenvilleGEICO$575
Progressive$752
Erie$1,084
HavelockGEICO$466
Progressive$567
State Farm$1,031
HickoryGEICO$549
Progressive$717
State Farm$1,121
High PointGEICO$552
Progressive$672
Erie$1,190
Holly SpringsGEICO$466
Progressive$586
State Farm$1,028
HuntersvilleGEICO$549
Progressive$682
Erie$1,143
Indian TrailGEICO$577
Progressive$738
Erie$1,231
KannapolisGEICO$577
Progressive$718
Erie$1,231
KernersvilleGEICO$530
Progressive$538
Erie$1,016
KinstonGEICO$551
Progressive$659
Erie$1,181
KnightdaleGEICO$540
Progressive$774
Erie$1,317
LelandGEICO$564
Progressive$714
Erie$1,274
LexingtonGEICO$529
Progressive$577
Erie$1,069
LumbertonGEICO$619
Progressive$821
Erie$1,292
MonroeGEICO$547
Progressive$806
Erie$1,241
MooresvilleGEICO$549
Progressive$663
Erie$1,143
Mount HollyGEICO$549
Progressive$748
Erie$1,255
PinehurstGEICO$548
Progressive$636
Erie$1,057
RaleighGEICO$537
Progressive$660
Erie$1,156
Rocky MountGEICO$551
Progressive$701
Erie$1,181
SalisburyGEICO$577
Progressive$727
Erie$1,231
SanfordGEICO$545
Progressive$707
Erie$1,250
StatesvilleGEICO$549
Progressive$708
State Farm$1,111
ThomasvilleGEICO$529
Progressive$573
Erie$1,096
Wake ForestGEICO$600
Progressive$635
Erie$1,099
WilmingtonGEICO$542
Progressive$686
Erie$1,208
WilsonGEICO$526
Progressive$739
Erie$1,178
Winston-SalemGEICO$530
Progressive$580
Erie$1,029

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 your 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:

  • Kernersville
  • Clemmons
  • Asheville

The most expensive cities in North Carolina for car insurance are primarily located in its largest urban areas, including:

  • Fayetteville
  • Charlotte
  • Lumberton

Here is a list of the average cost of auto insurance for North Carolina's 50 largest cities, ranked from cheapest to most expensive.

RankCityPremium
1Kernersville$1,240
2Clemmons$1,253
3Asheville$1,262
4Carrboro$1,265
5Winston-Salem$1,271
6Burlington$1,283
7Holly Springs$1,300
8Lexington$1,303
9Chapel Hill$1,304
10Havelock$1,311
11Thomasville$1,314
12Elizabeth City$1,319
13Apex$1,320
14Cary$1,328
15Asheboro$1,330
16Pinehurst$1,343
17Albemarle$1,353
18Boone$1,365
19Statesville$1,374
20Hickory$1,398
21High Point$1,399
22Wake Forest$1,403
23Greensboro$1,404
24Kinston$1,404
25Mooresville$1,412
26Cornelius$1,417
27Huntersville$1,420
28Rocky Mount$1,426
29Greenville$1,431
30Kannapolis$1,445
31Raleigh$1,446
32Salisbury$1,448
33Fuquay-Varina$1,451
34Wilmington$1,453
35Durham$1,458
36Goldsboro$1,473
37Mount Holly$1,479
38Wilson$1,480
39Concord$1,482
40Garner$1,494
41Leland$1,496
42Clayton$1,511
43Sanford$1,517
44Gastonia$1,560
45Knightdale$1,568
46Monroe$1,589
47Indian Trail$1,590
48Lumberton$1,630
49Charlotte$1,711
50Fayetteville$1,761

Methodology

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 typeStudy 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.

Sources:

  • North Carolina's Consumer Guide to Automobile Insurance
  • Census QuickFacts for NC

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.