Cheap car insurance in North Carolina

How to get the best car insurance in North Carolina

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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.

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting

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
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Geico
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Liberty Mutual
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Gabi
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Farmers
15%
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

Compare up to 4 providers

Most popular North Carolina auto insurance companies list

CompanyDirect premiums written (billions)Market share
State Farm$946,30114.9%
Geico$780,56412.3%
Nationwide$689,08910.8%
National General$645,50310.1%
North Carolina Farm Bureau$612,3059.6%
Allstate$518,3748.1%
USAA$479,9387.5%
Progressive$402,2626.3%
Erie$249,8283.9%
Liberty Mutual$179,3602.8%

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

CompanyAnnual car insurance rate
Allstate$1119
Metromile$597
Progressive$506
National general$1024
Geico$826

Car insurance quotes in Raleigh

CompanyAnnual car insurance rate
Allstate$1477
Metromile$765
Progressive$647
National general$1167
Geico$830

Car insurance quotes in Concord

CompanyAnnual car insurance rate
Allstate$1235
Metromile$669
Progressive$576
National general$1153
Geico$918

Car insurance quotes in Greensboro

CompanyAnnual car insurance rate
Allstate$979
Metromile$536
Progressive$453
National general$977
Geico$806

Car insurance quotes in Fayetteville

CompanyAnnual 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.

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Frequently asked questions about North Carolina car insurance

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