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Cheap car insurance in North Carolina
How to get the best car insurance in North Carolina
North Carolina roads have it all, from coastal views to windy mountain roads. Wherever the road takes you across this state, you’ll need car insurance that includes at least your state’s requirements for coverage.
Compare North Carolina’s minimum coverage requirements, driving laws and more to find the best car insurance for you.
North Carolina
Car insurance quick facts
30/60/25
Minimum liability requirements
$1,300
Average annual car insurance cost
30
Days to update your license
At-fault state
In at fault states, the driver who caused the accident pays for damages.
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Most popular North Carolina auto insurance companies list
| Company | Direct premiums written (billions) | Market share |
|---|---|---|
| State Farm | $946,301 | 14.9% |
| Geico | $780,564 | 12.3% |
| Nationwide | $689,089 | 10.8% |
| National General | $645,503 | 10.1% |
| North Carolina Farm Bureau | $612,305 | 9.6% |
| Allstate | $518,374 | 8.1% |
| USAA | $479,938 | 7.5% |
| Progressive | $402,262 | 6.3% |
| Erie | $249,828 | 3.9% |
| Liberty Mutual | $179,360 | 2.8% |
Car insurance guides by city
Compare rates, requirements and driving tips with car insurance guides for your city.
Average car insurance costs in North Carolina
North Carolina’s drivers can expect to pay something in the range of $1,000 annually, which is significantly below the $1,300 national average in 2017. So if you’re older than 25 and have a clean driving record, you can probably expect to pay something close to $1,000 per year — about $83 monthly.
Location isn’t everything, but exactly where you live can directly influence how much you pay for your coverage. For example, people who live in the bigger towns and cities of this state — say Charlotte or Raleigh — can probably expect to pay more for their insurance than people in Bryson City. This is because higher population comes with elevated risk for traffic accidents, thefts, vandalism and other issues that can result in insurance claims.
Cheapest car insurance in North Carolina
Which city has the cheapest car insurance in North Carolina?
Of North Carolina’s largest cities, Greensboro has the cheapest rates and Fayetteville has the most expensive car insurance rates. Fayetteville drivers could face rates 3 times more than Greensboro drivers.
Car insurance quotes in Charlotte
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1119 |
| Metromile | $597 |
| Progressive | $506 |
| National general | $1024 |
| Geico | $826 |
Car insurance quotes in Raleigh
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1477 |
| Metromile | $765 |
| Progressive | $647 |
| National general | $1167 |
| Geico | $830 |
Car insurance quotes in Concord
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1235 |
| Metromile | $669 |
| Progressive | $576 |
| National general | $1153 |
| Geico | $918 |
Car insurance quotes in Greensboro
| Company | Annual car insurance rate |
|---|---|
| Allstate | $979 |
| Metromile | $536 |
| Progressive | $453 |
| National general | $977 |
| Geico | $806 |
Car insurance quotes in Fayetteville
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1512 |
| Metromile | $803 |
| Progressive | $667 |
| National general | $1497 |
| Geico | $924 |
Minimum car insurance requirements in North Carolina
North Carolina requires all drivers to carry minimum liability coverage for bodily injury and property damage. When you’re shopping for a car insurance policy, you might see these requirements shortened to 30/60/25. You’ll also need to purchase uninsured motorist coverage with a $30,000 limit.
- $30,000 for bodily injury liability per person, per accident
- $60,000 for bodily injury liability total per accident
- $25,000 for property damage liability per accident
- $30,000 uninsured/underinsured motorist coverage
Temporary car insurance in North Carolina
You can buy temporary auto insurance in this state. However, you might run into issues finding temporary coverage from standard providers. So if you need this kind of coverage, you should be open to alternative options like going with a lesser-known provider or having some unconventional policy terms.
SR-22 insurance in North Carolina
You are not required to file an SR-22 form if you’re a DWI offender in North Carolina. If you move to North Carolina with an SR-22 from another state, you’ll probably need to maintain your SR-22 requirements.
Bottom line
With annual insurance costs typically falling below the national average and laws that make it very difficult and risky to drive without liability coverage, North Carolina is a place where you’ll most likely want to have a conventional car insurance policy.
To learn more about this topic, from rules and regulations to discounts on premiums, visit our comprehensive guide to car insurance.
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Frequently asked questions about North Carolina car insurance
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