Cheapest Auto Insurance in North Carolina (2024)

The cheapest car insurance company in North Carolina is Nationwide, which has rates of $41 per month.

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Updated September 5, 2024

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Cheapest recent rates in North Carolina

Recent North Carolina car insurance prices for Volkswagen, Chevrolet, Honda , and more.

Safeco helped a Chevrolet Silverado driver in Pinnacle, North Carolina save on car insurance with this quote.

We just helped a driver in Pittsboro, North Carolina cover their Honda Accord with this quote from National General.

Dairyland helped a Toyota Prius driver in Durham, North Carolina save on car insurance with this quote.

We just helped a driver in Winston-Salem, North Carolina cover their Volkswagen Passat with this quote from Direct Auto.

*Quotes generated for Insurify users from North Carolina within the last 10 days. Last updated on September 5, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 5, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

We just helped a driver in Raleigh, North Carolina cover their Toyota Corolla with this quote from Direct Auto.

A Morrisville, North Carolina driver just saved on coverage for their Honda Civic with this quote from National General.

We just helped a driver in Charlotte, North Carolina cover their Toyota Corolla with this quote from Safeco.

National General's average rate for North Carolina drivers with good credit and a clean driving record.

*Quotes generated for Insurify users from North Carolina within the last 10 days. Last updated on September 5, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 5, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Table of contents

• Cheapest companies
• Get cheap insurance
• Liability only
• Full coverage
• NC requirements
• Rates by history
• Rates for seniors
• Rates for teens
• Rates by credit tier
• FAQs

• Cheapest companies
• Get cheap insurance
• Liability only
• Full coverage
• NC requirements
• Rates by history
• Rates for seniors
• Rates for teens
• Rates by credit tier
• FAQs

Table of contents

• Cheapest companies
• Get cheap insurance
• Liability only
• Full coverage
• NC requirements
• Rates by history
• Rates for seniors
• Rates for teens
• Rates by credit tier
• FAQs

• Cheapest companies
• Get cheap insurance
• Liability only
• Full coverage
• NC requirements
• Rates by history
• Rates for seniors
• Rates for teens
• Rates by credit tier
• FAQs

The average cost of car insurance in North Carolina is $77 per month, which is less than the national average. Insurers look at overall population density, so North Carolina’s large rural population could contribute to its low auto insurance rates.

Many factors go into calculating your insurance premiums, including ZIP code, age, credit score, and driving history. If you’re shopping around for cheap insurance in North Carolina, you should get quotes and compare options from several companies.

• North Carolina drivers pay an average monthly cost of $55 for a liability-only insurance policy and $99 for full coverage.
• Nationwide is the cheapest option for liability-only coverage, and Nationwide is the least expensive for a full-coverage policy.
• North Carolina uses a points-based system to encourage safe driving habits.

Cheapest car insurance companies in North Carolina

The best auto insurance company for you will depend on your needs, financial situation, and driving history. What’s best for your neighbor or friend may not be the best for you, so it’s important to compare as many options as possible to find the company that offers you the coverage you need at the lowest price.

Here are some of the best cheap car insurance companies in North Carolina to start your search.

The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

  Best insurer for customizable coverage: Midvale Home & Auto

  Customizable CoverageMidvale Home & Auto

  Compare Quotes Compare personalized, real-time quotes

  A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

  The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.

  Midvale Home & Auto is owned by American Family Insurance and offers home and auto insurance. In addition to offering liability, comprehensive, and collision insurance, Midvale offers additional coverages like gap insurance, roadside assistance, and rental car reimbursement.

  Midvale’s discounts are pretty standard compared to what other insurers offer. You could receive a discount for bundling your auto and homeowners insurance, paying your policy in full, or insuring multiple vehicles.

  Pros and cons
  • Gap insurance and roadside assistance available
  • Plenty of discounts
  • Quotes not available online
  • No mobile app

  Best insurer for full coverage: Erie

  Full CoverageErie Insurance

  Compare Quotes Compare personalized, real-time quotes 95 reviews

  The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.

  Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.

  Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.

  When you buy full coverage through Erie Insurance, you’ll receive additional perks that other insurers would typically charge extra for. For example, Erie will cover up to $500 of the vet treatment costs if your pet sustains injuries from a car accident while in your vehicle.

  The company also waives the deductible for auto glass repair. And if you accidentally lock your keys in your car, Erie will cover the costs up to $75.

  Pros and cons
  • High J.D. Power customer satisfaction rating in the Southeast region
  • Erie Rate Lock protects against rate increases
  • Can’t get a quote online
  • Online claims filing not available
  Reviews (95) Kevin - September 4, 2024

  Erie is a Solid Option

  They are supportive and fast when handling claims. Pamela - August 31, 2024 I have no problems, just trying to save some money. Terry - August 31, 2024

  High Rates with Erie Insurance

  To be very honest, when I first switched to Erie Insurance Company, it was pretty good. However, after being with Erie for the past few years, I've noticed they're just like all the other insurance companies. They entice you to switch, and then every year your car insurance goes up by $100. These car insurance companies seem like big rip-offs. I didn't pay these kinds of insurance rates when I was a teenager. Now, in my mid 60s, I'm paying a higher rate. What a rip-off!

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  Best insurer for good drivers: GEICO

  Good DriversGEICO

  Compare Quotes Compare personalized, real-time quotes 4,964 reviews

  The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.

  Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.

  Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.

  GEICO offers personalized auto insurance, including collision, comprehensive, liability, medical, and uninsured motorist coverage. You can manage your policy using the company’s robust mobile app.

  The insurer is known for offering a wide variety of discounts, and many people may save money by switching to GEICO. In particular, you can save up to 22% on auto insurance if you’ve been accident-free for five years or more. You can also save by completing an approved defensive driving course in your state.

  Pros and cons
  • Plenty of discounts
  • Accident forgiveness available
  • Below-average J.D. Power customer satisfaction rating in the Southeast region
  • Gap insurance not available