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Compare car insurance in North Carolina

Get the cheapest car insurance in North Carolina for 2020

Updated

Fact checked

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.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Compare North Carolina car insurance providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Gabi
Optional
Optional
55%
All 50 states
Upload your current policy info and get quotes from 20+ companies who could get you a better rate.
Farmers
15%
All 50 states
Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.
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Compare up to 4 providers

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.

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

What about motorcycle and moped insurance?

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.

Get the cheapest quotes

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Frequently asked questions about North Carolina car insurance

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