Compare 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.

Compare North Carolina car insurance providers

Sort by:

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.	Get quotes More Info	Compare	loading Fetching your data...
USAA		Optional			Yes	All 50 states	Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.	Get quotes More Info	Compare	loading Fetching your data...
Allstate					13%	All 50 states	Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.	Get quotes More Info	Compare	loading Fetching your data...
The AARP Auto Insurance Program from The Hartford		Optional			Yes	All 50 states	Enjoy low rates for mature drivers, plus freebies and AARP member perks like free replacement cost coverage. Only for drivers over age 50.	Get quotes More Info	Compare	loading Fetching your data...
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.	Get quotes More Info	Compare	loading Fetching your data...
Gabi		Optional	Optional		55%	All 50 states	Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.	Get quotes More Info	Compare	loading Fetching your data...
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.	Get quotes More Info	Compare	loading Fetching your data...

loading

Compare up to 4 providers

Clear selection

Compare

Most popular North Carolina auto insurance companies list

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.

Car insurance guides by city

Compare rates, requirements and driving tips with car insurance guides for your city.

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.

• Charlotte
• Raleigh
• Concord
• Greensboro
• Fayetteville

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.

Frequently asked questions about North Carolina car insurance

• Does your gender affect your insurance rates?

  In most US states, yes, your gender can affect your insurance rates — but not in North Carolina. This is one of three states where gender isn’t allowed to be considered when insurance providers are calculating rates.

• Can I get mileage-based insurance in North Carolina?

  No, or at least not yet. Esurance only offers its pay-per-mile services to drivers in Oregon, and Metromile, the only dedicated mileage-based insurer in the country, doesn’t currently offer coverage in North Carolina either. But with both of these providers working to expand their offerings soon and other established insurers working on mileage-based coverage, you might see it in this state sooner than later.