You can find the cheapest full-coverage car insurance in North Carolina for $90 a month from Erie Insurance. It saves you $55 compared to the state average car insurance cost of $145 monthly.
Shopping for car insurance in North Carolina can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“Drivers looking to get the cheapest insurance premiums in North Carolina should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- Erie Insurance has the cheapest car insurance rates in North Carolina for full coverage at $90 a month among the companies analyzed by the team of CarInsurance.com.
- In North Carolina, drivers with clean driving records pay 76% less than drivers with a DUI.
- The city of Lake Junaluska has the lowest auto insurance rates in North Carolina, with an average premium of $1,477 per year.
- You can save up to 38% per year on your car insurance policy in North Carolina by comparing price quotes from multiple insurers.
Which company offers the cheapest car insurance rates in North Carolina?
Based on data analysis by CarInsurance.com, Erie Insurance provides the cheapest full coverage auto insurance rates for North Carolina drivers at a monthly rate of $90 or $1,082 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in North Carolina.
Cheapest car insurance rates in North Carolina per month
| Company | Full coverage monthly rates |
|---|---|
| Erie Insurance | $90 |
| State Farm | $98 |
| North Carolina Farm Bureau | $101 |
| Nationwide | $126 |
| Geico | $135 |
| Penn National Insurance | $156 |
| Farmers | $169 |
| Progressive | $169 |
| UTICA Grp | $173 |
| Allstate | $249 |
North Carolina drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- Married drivers pay 6% less than single drivers.
- North Carolina drivers with clean records pay 76% less than drivers who have a DUI on their record.
- North Carolina drivers in their 20s pay 62% lower rates for insurance than a 16-year-old in North Carolina.
- Adding a teen to your policy will cost you 58% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 56% less on their insurance premiums.
- Drivers insured for three or more years can save up to 16% on their insurance costs.
Cheapest North Carolina companies for different coverage levels
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Erie Insurance is the cheapest for a state minimum policy.
- Erie Insurance has the cheapest rates for a liability-only policy (50/100/50).
- Erie Insurance offers the cheapest car insurance for a full coverage policy (100/300/100) in North Carolina.
The numbers above (100/300/100) represent up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest companies for state minimum coverage in North Carolina
In North Carolina, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $30,000/$60,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
The following table lists North Carolina’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| Company | State minimum annual rates |
|---|---|
| Erie Insurance | $309 |
| State Farm | $331 |
| North Carolina Farm Bureau | $338 |
| Nationwide | $425 |
| Geico | $492 |
| Penn National Insurance | $493 |
| Farmers | $530 |
| Progressive | $530 |
| Allstate | $667 |
| UTICA Grp | $695 |
Cheapest insurance providers for liability-only coverage in North Carolina
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in North Carolina, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Erie Insurance | $345 |
| State Farm | $370 |
| North Carolina Farm Bureau | $380 |
| Nationwide | $405 |
| Geico | $539 |
| Penn National Insurance | $547 |
| Farmers | $588 |
| Progressive | $588 |
| Allstate | $737 |
| UTICA Grp | $768 |
Cheapest full coverage car insurance in North Carolina
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The following table lists the average annual rates of major insurance companies in North Carolina from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| Company | Full coverage annual rates |
|---|---|
| Erie Insurance | $1,082 |
| State Farm | $1,180 |
| North Carolina Farm Bureau | $1,217 |
| Nationwide | $1,513 |
| Geico | $1,617 |
| Penn National Insurance | $1,872 |
| Farmers | $2,028 |
| Progressive | $2,028 |
| UTICA Grp | $2,070 |
| Allstate | $2,994 |
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in North Carolina by driving history
In North Carolina, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In North Carolina, drivers with a history of such violations typically pay $1,326 more annually than drivers with clean records.
Cheap car insurance rates after a speeding ticket in North Carolina
If you’ve got a speeding ticket on your North Carolina driving record and need affordable car insurance, Nationwide might be the answer. With an average annual rate of $1,582, Nationwide offers the cheapest full coverage auto insurance options for drivers with speeding tickets in North Carolina.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Nationwide | $1,135 | $1,582 | 39% | $447 |
| Erie Insurance | $1,075 | $1,670 | 55% | $596 |
| North Carolina Farm Bureau | $1,265 | $1,777 | 40% | $512 |
| State Farm | $1,251 | $1,826 | 46% | $574 |
| Kemper Insurance | $1,071 | $1,850 | 73% | $779 |
| Geico | $1,034 | $1,973 | 91% | $940 |
| National General Insurance | $1,539 | $1,988 | 29% | $449 |
| Progressive | $1,860 | $2,638 | 42% | $778 |
| Allstate | $2,339 | $3,381 | 45% | $1,042 |
Cheap car insurance rates after a DUI conviction in North Carolina
CarInsurance.com analyzed insurance rates for North Carolina drivers with DUI convictions and we found that National General Insurance provides the cheapest car insurance rates at an average annual premium of $4,020. Nationwide is the second-cheapest insurer at an average of $4,249 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 76% less than drivers with a DUI on their record.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| National General Insurance | $1,539 | $4,020 | 161% | $2,480 |
| Nationwide | $1,135 | $4,249 | 274% | $3,114 |
| Erie Insurance | $1,075 | $4,492 | 318% | $3,417 |
| Kemper Insurance | $1,071 | $4,571 | 327% | $3,500 |
| North Carolina Farm Bureau | $1,265 | $4,747 | 275% | $3,481 |
| State Farm | $1,251 | $5,078 | 306% | $3,827 |
| Geico | $1,034 | $6,904 | 568% | $5,870 |
| Progressive | $1,860 | $7,147 | 284% | $5,287 |
| Allstate | $2,339 | $9,938 | 325% | $7,599 |
Cheap car insurance rates after an at-fault accident in North Carolina
Kemper Insurance is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,699.
Erie Insurance is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,719.
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| Kemper Insurance | $1,071 | $1,699 | 59% | $628 |
| Erie Insurance | $1,075 | $1,719 | 60% | $644 |
| North Carolina Farm Bureau | $1,265 | $1,828 | 44% | $563 |
| State Farm | $1,251 | $1,884 | 51% | $632 |
| Nationwide | $1,135 | $1,937 | 71% | $802 |
| National General Insurance | $1,539 | $2,239 | 45% | $700 |
| Progressive | $1,860 | $2,715 | 46% | $855 |
| Geico | $1,034 | $2,821 | 173% | $1,787 |
| Allstate | $2,339 | $4,317 | 85% | $1,978 |
Check out the most affordable insurance options in your neighboring state
North Carolina cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Lake Junaluska is the city with the lowest premiums in North Carolina at an annual auto insurance rate of $1,477.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Find below a list of North Carolina cities with the lowest car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Lake Junaluska | $1,477 |
| Marble | $1,488 |
| Marshall | $1,489 |
| Cherokee | $1,490 |
| Highlands | $1,494 |
| Tuckasegee | $1,494 |
| Robbinsville | $1,497 |
| Franklin | $1,498 |
| Hayesville | $1,499 |
| Otto | $1,499 |
Explore the top 10 factors that influence car insurance rates
How much can you save on car insurance in North Carolina?
By comparing car insurance quotes, you can save an average of 38% per year for a full coverage policy in North Carolina.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in North Carolina: Save on premiums
North Carolina drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in North Carolina.
| Discount type | % difference | $ difference |
|---|---|---|
| Air bags | 1% | $16 |
| Anti-theft device | 1% | $8 |
| Daily commute | 2% | $21 |
| Days advanced purchase | 9% | $194 |
| Education | 9% | $145 |
| Electronic funds transfer | 6% | $144 |
| Homeowner | 3% | $83 |
| Loyalty – years renewal with company | 13% | $174 |
| Marital status | 6% | $70 |
| Multi policy | 8% | $147 |
| Paperless/electornic documents | 2% | $27 |
| Payment type | 6% | $125 |
| Primary use | 19% | $314 |
| Profession | 5% | $74 |
| Safety devices | 1% | $13 |
| Telematics | 11% | $221 |
| Years insured | 14% | $547 |
| Years licensed | 48% | $2,367 |
Final thoughts on cheap car insurance in North Carolina
Our research shows that Erie Insurance has the cheapest full coverage car insurance rates in North Carolina for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in North Carolina, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of North Carolina for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 30/60/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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