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


Minimum liability requirements


Average annual car insurance cost


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

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Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
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Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
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Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
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Enjoy having your own dedicated agent to help you get the best discounts and coverage.
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It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
All states except AK, HI, LA, MI, RI
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
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Get free quotes from top insurers for the exact coverage you need in minutes.
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.
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.

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CompanyDirect premiums written (billions)Market share
State Farm$946,30114.9%
National General$645,50310.1%
North Carolina Farm Bureau$612,3059.6%
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
National general$1024

Car insurance quotes in Raleigh

CompanyAnnual car insurance rate
National general$1167

Car insurance quotes in Concord

CompanyAnnual car insurance rate
National general$1153

Car insurance quotes in Greensboro

CompanyAnnual car insurance rate
National general$977

Car insurance quotes in Fayetteville

CompanyAnnual car insurance rate
National general$1497

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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