
Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Updated
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.
Car insurance quick facts
In at fault states, the driver who caused the accident pays for damages.
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% |
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.
Compare rates, requirements and driving tips with car insurance guides for your city.
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.
Company | Annual car insurance rate |
---|---|
Allstate | $1119 |
Metromile | $597 |
Progressive | $506 |
National general | $1024 |
Geico | $826 |
Company | Annual car insurance rate |
---|---|
Allstate | $1477 |
Metromile | $765 |
Progressive | $647 |
National general | $1167 |
Geico | $830 |
Company | Annual car insurance rate |
---|---|
Allstate | $1235 |
Metromile | $669 |
Progressive | $576 |
National general | $1153 |
Geico | $918 |
Company | Annual car insurance rate |
---|---|
Allstate | $979 |
Metromile | $536 |
Progressive | $453 |
National general | $977 |
Geico | $806 |
Company | Annual car insurance rate |
---|---|
Allstate | $1512 |
Metromile | $803 |
Progressive | $667 |
National general | $1497 |
Geico | $924 |
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.
What about motorcycle and moped insurance?
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.
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.
Compare car insurance companies near you.
Your information is secure.
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.
You can pay for car insurance in Bitcoin, even if your insurer doesn’t accept it yet.
This fintech just branched out into low-cost life insurance — but its lineup is limited.
Find unusually low face values for a whole life policy, ideal for supplemental insurance.
Finder analyzes which states have the highest and lowest rates of employment for Black and African Americans.
A poor driving record may result in higher rates on your life insurance, with some insurers turning you away altogether.
Capped rates and a variety of local lenders make it easy to shop for a loan.
Learn which states are making it easier for you to get workers compensation if you get sick from the coronavirus and which jobs qualify.
Preliminary data on fatal accidents and driving behavior could explain why drivers haven’t seen higher insurance refunds.
See average EV insurance rates for 2021 based on Finder’s car model research, plus new models on the horizon.
Finder analyzes the easiest and hardest states to get disability in America, rating the top 5 best and worst states for disability approval.