Cheap Auto Insurance in North Carolina for 2025 (10 Best Companies for Savings)

These top providers, Progressive, Geico, and State Farm, offer the best cheap auto insurance in North Carolina for rates as low as $13 a month. Progressive leads as number one for its convenient digital tool, helping customers navigate their policies more efficiently.

Geico is known for its affordable and comprehensive auto insurance liability policy, and State Farm helps drivers save big discounts with its Drive Safe & Save program and promotes road safety.

Our Top 10 Company Picks: Cheap Auto Insurance in North Carolina

In this car insurance guide, we will teach you how car insurance works, help you unlock significant savings, and show you how to secure cheap car insurance in North Carolina for your unique lifestyle and needs.

Use our free tool by entering your ZIP code above, or keep reading if you want to learn more about North Carolina auto insurance.

#1 — Progressive: Top Overall Pick

Pros

• Inexpensive Policies: Progressive provides the most inexpensive coverage for North Carolina car insurance, allowing clients to save a significant amount of money with the lowest monthly rate of $13.
• Digitally Easy to Use Tools: For clients who are tech-savvy, their simple mobile app and website make managing policies and filing claims simple.
• Discount Opportunities: Progressive has many discounts, including bundling policies and through its Snapshot program, which reduces low-cost North Carolina car insurance rates for careful drivers.

Cons

• Rates Differ by City: Progressive’s auto insurance rates in North Carolina differ by location. Read our Progressive auto insurance review to find out if your state is included.
• Customer Service Complaints: A few consumers have voiced dissatisfaction with the claims procedure.

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#2 — Geico: Best For Low-Cost Liability Coverage

Pros

• Affordable Liability Coverage: Geico is the best choice among vehicle insurance companies that offer affordable liability coverage. Read our Geico auto insurance review for the full details.
• Excellent Service to Customers: Geico provides a dependable experience for affordable auto insurance in North Carolina and is frequently praised for its claims experience and customer service.
• Multi-Policy Rebates: Geico offers savings when you insure more than one vehicle with other policies, making reasonably priced North Carolina auto insurance even more inexpensive.

Cons

• Limited Presence of Local Agents: Geico primarily operates online, which may not be the best option for people who like to speak with a representative face-to-face.
• More Expensive Premiums for Poor Drivers: Poor credit or accident-prone drivers might pay more for Geico’s North Carolina car insurance than the rates of some other companies.

#3 — State Farm: Best for Safe Driver Discounts

Pros

• Drive Safe & Save Program: State Farm rewards safe drivers with discounts of up to 30%, helping reduce cheap auto insurance in North Carolina.
• Flexible Coverage Options: State Farm offers various coverage levels for affordable and customizable vehicle insurance in North Carolina.
• High Customer Satisfaction: State Farm is a great choice for trustworthy and reasonably priced North Carolina auto insurance due to its excellent customer service and claims management.

Cons

• Higher Prices for Young Drivers: Younger drivers or drivers with less experience may pay higher rates for State Farm’s auto coverage in North Carolina.
• Restricted Features on Mobile Apps: Compared to other insurance companies, State Farm’s mobile app is less easy to use. Read our State Farm auto insurance review to learn how to use these tools.

#4 — Liberty Mutual: Best for Unique Coverage Options

Pros

• Reasonably Priced Rates: Offers lowest prices for North Carolina auto insurance, with plans up to 55% less than the state average. Read our Liberty Mutual auto insurance review for further details.
• Unique Coverage Features: Liberty Mutual offers unique features that enhance affordable auto insurance in North Carolina, like upgraded and new car replacements.
• Multi-Car and Multi-Policy Discounts: Drivers can save money by combining multiple vehicles or policies. Liberty Mutual is a fantastic option for reasonably priced North Carolina auto insurance.

Cons

• Complex quotation procedure: Liberty Mutual’s quote process is drawn out and challenging to understand, which may put off clients.
• More costly premiums for drivers with bad credit: Compared to other insurance companies, Liberty Mutual’s North Carolina auto insurance prices may be higher for drivers with terrible credit.

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#5 — Nationwide: Best for Accident Forgiveness

Pros

• Reasonably Priced Premiums: Nationwide is a fantastic choice for drivers on a budget because it offers inexpensive auto insurance in North Carolina at lower prices than most of its rivals.
• Opportunities for Flexible Coverage: Nationwide offers customers the option to customize their plans using a variety of add-ons while maintaining competitively priced rates.
• Accident Forgiveness: Nationwide’s accident forgiveness program can stop rate increases following your initial at-fault accident, which can be worth it to keep cheap North Carolina car insurance.

Cons

• Premium Increases for New Drivers: Like most insurers, Nationwide’s rates will be more expensive for teen drivers, especially for those who have only been driving for a short time.
• Average Customer Happiness Ratings: Nationwide’s customer satisfaction ratings are mediocre compared to other insurers. Look into our Nationwide auto insurance review for more details.

#6 — Allstate: Best for Safe Driving Rewards

Pros

• Bundling Discounts: Provides significant savings when combining home or other insurance policies with auto insurance, reducing the cost of reasonably priced North Carolina auto insurance.
• High Claim Satisfaction: Allstate offers first-rate customer service and a claims experience.
• Safe Driving Incentives: Allstate’s Drivewise program offers lower rates and safer driving incentives to conscientious drivers. Discover more details in our Allstate auto insurance review.

Cons

• Above-Average Rates for Specific Drivers: Allstate may not be the best choice for drivers with bad credit because its rates are higher than average for high-risk or low-credit drivers.
• Safe Driving Incentives: Allstate’s Drivewise program offers lower rates and safer driving incentives to conscientious drivers.

#7 — USAA: Best for Military Families

Pros

• Competitive Rates for Military Families: USAA offers reasonable auto insurance for active-duty military personnel and veterans in North Carolina, with rates generally far less than other insurers.
• Excellent Customer Service: Military families frequently choose USAA for reasonably priced North Carolina auto insurance because of its consistently outstanding customer service ratings.
• Good Bundle Offers: USAA offers a discount for combining auto insurance with other policy types, such as homeowners’ insurance. Check out our USAA auto insurance review for more details.

Cons

• Exclusivity: Since USAA only provides insurance to active-duty military personnel, veterans, and their families, many North Carolina drivers cannot obtain reasonably priced auto insurance.
• Few Local Agents: Like Geico, USAA is mostly an online-based operation, which may not be the best option for consumers who want to deal with people face-to-face.

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#8 — Farm Bureau: Best for Rural Drivers

Pros

• Reasonable Prices for Rural Locations: Offers some of the most economical vehicle insurance plans for drivers living in rural areas, providing coverage at low cost in places with fewer residents.
• Excellent Customer Service: Farm Bureau offers drivers trustworthy assistance with their auto insurance in North Carolina and has an outstanding customer satisfaction rating.
• Tailored Plans: Farm Bureau’s auto insurance review is generally more flexible and reasonably priced for drivers in rural regions than other companies.

Cons

• Limited Outlet: Some drivers may not be able to obtain their reasonable North Carolina auto insurance rates because the Farm Bureau does not offer coverage throughout the entire state.
• Lower Discounts than Rivals: Farm Bureau offers fewer discount options than other major insurers, which can limit savings for North Carolina drivers seeking reasonably priced coverage.

#9 — Erie Insurance: Best for Budget-Friendly Basic Coverage

Pros

• Low and Reasonable Costs: Erie offers some of the best rates in the state for basic coverage and low and affordable auto insurance premiums in North Carolina.
• Options for Various Coverage: Erie allows clients to customize their policies while keeping their auto insurance costs reasonable. For additional details, refer to our Erie auto insurance review.
• Policies for Different Coverage: Erie offers a range of coverage policies that let customers personalize their plans without exceeding the North Carolina vehicle insurance budget.

Cons

• Limited Reach: Erie is only available in a handful of states, and although it has cheap North Carolina auto insurance, it may not be available for individuals who move out of the region.
• Premium Increases for Specific Drivers: Drivers with a risky driving record or those with a bad driving record may pay more for Erie auto insurance in North Carolina.

#10 — Travelers: Best for Discount Variety

Pros

• Competitive Pricing: For standard policies, Travelers offers some of the lowest premiums for North Carolina auto insurance, making it an excellent option for people who want low-priced coverage.
• Discount Variety: Travelers offer several discounts, including safe driver and multi-policy discounts. For more insights, take a look at our Travelers auto insurance review.
• Customized Protection: Travelers offers customized protection that lets you enhance your coverage to suit your needs while keeping costs low for reasonably priced North Carolina auto insurance.

Cons

• Average Customer Reviews: Travelers’ reviews are often lower than those of some of its rivals, which may impact how simple it is to locate reasonably priced NC auto insurance.
• Limited Digital Capabilities: Travelers’ websites and mobile apps are less feature-rich than other insurers. This may affect clients looking for a simple way to manage auto insurance plans.

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North Carolina Car Insurance Rates by Provider & Coverage Level

Rates differ depending on the type of auto insurance coverage levels, and it can be difficult to know where to begin with so many options.

North Carolina Auto Insurance Monthly Rates by Provider & Coverage Level

To help you make an informed decision about your vehicle and your budget, we evaluate the monthly costs of minimum and full coverage from top providers of cheap auto insurance in North Carolina.

In North Carolina, finding reasonably priced auto insurance is not difficult. To determine which coverage is best for you, compare the monthly premiums offered by leading providers.

North Carolina Auto Insurance Discounts from Top Providers

Finding cheap auto insurance in North Carolina can be overwhelmingly confusing, but this guide will help you learn how car insurance works and get your money’s worth. Below are top car insurers from known providers in North Carolina and the car insurance discounts they offer. Taking advantage of these can certainly lower your monthly premium, and average car insurance cost in North Carolina.

Auto Insurance Discounts From the Top Providers in North Carolina

In order to find affordable vehicle insurance in North Carolina, consumers must compare rates and incentives offered by several different providers. Because there are so many various coverage levels and discounts available, choosing the right policy may be a bit challenging.

Best Cheap Car Insurance in North Carolina

In North Carolina, Progressive offers affordable car insurance with low monthly rates of $13. North Carolina car insurance mandates that all drivers carry 30/60/25 in liability coverage; however, carrying more than the minimum would be advisable.

Liability insurance implies that the driver will cover if he’s at fault in the accident. In a worst-case scenario, we recommend carrying more than the minimum North Carolina car insurance coverage

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Minimum Liability Coverage for Car Insurance in North Carolina

In North Carolina, the minimum liability requirements are as follows: bodily injury for a person, $30,000; $60,000 per accident; and property damage, $25,000 per incident. Liability insurance, which is required in all states except New Hampshire, is the most state-regulated insurance.

If an accident occurs, insurance pays for damage, repairs, or injuries you cause the opposing party. Each state differs in its insurance requirements.

The two main types of liability car insurance are bodily injury liability and property injury liability. Bodily injury covers the medical expenses and lost wages of the opposing party, passengers, and bystanders affected by the accident. Property injury covers damages to the opposing party’s vehicle or even government property, such as structures and fixtures.

North Carolina’s liability, collision, and comprehensive insurance numbers were lower than the national average, allowing it to beat the total national average by a couple of hundred dollars.

Core Coverage in North Carolina

Learning about your insurance premiums and the financial health of a state’s auto insurance providers is extremely important. The chart below shows additional types of liability for medical payments and uninsured/underinsured motorist insurance, which are types of coverage people usually tend to use to bulk up their policy.

Loss Ratio in North Carolina

Companies in North Carolina are doing a fairly good job paying out their claims for both MedPay and UUM insurance, so buying additional liability insurance may be worth it.

North Carolina Additional Add-Ons, Endorsements, & Riders for Coverage

If you’re looking to bulk up your insurance policy, here are a few add-ons you may not be too familiar with.

• GAP Insurance
• Personal Umbrella Policy (PUP)
• Rental Reimbursement
• Emergency Roadside Assistance
• Mechanical Breakdown Insurance
• Non-Owner Car Insurance
• Modified Car Insurance Coverage
• Classic Car Insurance
• Pay-As-You-Drive or Usage-Based Insurance

Having riders or add-ons might be helpful, particularly if you want better protection for your vehicle insurance. These provide comfort and help prevent future financial issues.

Premiums as a Percentage of Income

A person’s income per capita is the amount of money one has after taxes to spend or to save. So, how much of this disposable income did North Carolinians put toward their car insurance? We got these telling numbers from the NAIC (or National Association of Insurance Commissioners).

Auto Insurance Monthly Rates in North Carolina by Percentage of Income

While this data is a bit dated, and premiums have probably increased since then, it still provides a reliable reference point for evaluating the impact of car insurance on the lives of North Carolinians in recent years.

In 2014, the income per capita for each person in North Carolina was $35,099.00.

This means drivers in North Carolina spent $768.28 for a fully comprehensive car insurance policy, 2.19 percent of their annual income. This number stayed the same in 2013 after declining from the 2.07 percent drop in 2012. While 2.19 percent of one’s income may seem a bit pricey, North Carolina was lower than the national average all three years.

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Forms of Financial Responsibility

Financial responsibilities are laws mandated for each state, specifying the documentation acceptable for proof of insurance. They are used to determine whether the minimum requirements are met and whether the insurance policy’s status is active.

Certification of liability insurance coverage must be submitted on DMV Form DL-123, or an original liability insurance policy, binder or certificate of insurance.

Proof of insurance is not optional. It is law, so make sure you have one of the above. Especially if you’re planning to buy cheap auto insurance in North Carolina.

Influencing Factors that Impact North Carolina Car Insurance Rates

Car insurance companies take a great deal of time when writing up your policy, and they consider various elements when quoting you. Many elements affect your car insurance rates, and depending on these factors, your monthly premium can either increase or decrease. With many options around, you can easily contact a local expert in your area to get a quote suited to your budget needs.

Knowing what events are and are not covered by your insurance helps you determine which top provider you should select. Understanding the factors influencing your rates can help you make wiser decisions and guarantee that you get the greatest deal. It can also help you decide on coverage and identify potential ways to save money.

Your Age & Gender

This table clearly shows how age and gender affect car insurance rates, with teen drivers having higher premiums than older drivers.

North Carolina Auto Insurance Monthly Rates by Age and Gender

This is because young drivers are more of a risk to insure because of their lack of experience on the road. Although several top companies offer cheap auto insurance for teen drivers in North Carolina, getting a quote from other top car insurers in your area is important to secure cheap auto insurance for your budget and needs.

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Car Insurance Rates by City & Location

Your location also plays a major role in computing monthly rates for your auto insurance policy. With many options to select from, shopping for auto insurance in your area shouldn’t be hard or confusing.

Least Expensive Zip Codes in North Carolina

As you can see from these tables, auto insurance prices differ depending on your location. This information is important as this factor can determine how much monthly premiums you will pay.

Most Expensive Zip Codes in North Carolina

Also, knowing how much top car insurance providers in your state offer for coverage can help you pick and choose which insurance company you will get cheap auto insurance that fits your budget.

Least Expensive Cities in North Carolina

These tables can help you gauge how much money from your income will be spent on auto insurance in North Carolina.

Most Expensive Cities in North Carolina

Although you may opt for cheaper auto insurance in North Carolina, we still suggest getting slightly expensive car insurance for your protection and peace of mind.

Car Insurance Coverage Level Rates by Top Providers

Coverage level can also impact car insurance premiums. As the table shows, top car insurance providers in North Carolina offer three categories of coverage.

North Carolina Auto Insurance Rates by Provider & Coverage Level

Each coverage corresponds to a specific plan; if you choose a low coverage for your car insurance, expect the policy to be less comprehensive than high coverage rates. So, we suggest shopping around and contacting agents to ensure you have the best coverage that offers budget-friendly rates and full protection.

Auto Insurance Rates in North Carolina by Driving Record & Credit Score

Your driving record and credit standing can also affect your North Carolina car insurance rates. Maintaining a clean and pristine driving record and credit standing can significantly lower your auto insurance prices in North Carolina. Companies such as Liberty Mutual and Nationwide offer no additional charge for having a bad credit history.

Auto Insurance by Credit Score in North Carolina

However, Allstate charges quite high for drivers in North Carolina with bad credit histories, and this is also the case with your driving record.

North Carolina Auto Insurance Monthly Rates by Provider & Driving Record

Even a single DUI can significantly increase auto insurance prices in North Carolina, though providers like State Farm also offer considerably fair North Carolina car insurance rates for drivers with terrible road histories. If you’re in this category, make sure to ask a car insurance broker to find out which provider offers the best cheap auto insurance for drivers with a bad history in North Carolina.

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The Largest Companies’ Financial Rating

Companies can get graded, too, based on their performance in various areas. That’s what A.M. Best is all about, looking at various factors to determine an institution’s financial health.

This is important because you want to ensure the provider you choose does a great job of maintaining its organization from both internal and external perspectives.

Let’s take a look at the A.M. Best scores for companies in North Carolina below.

AM Best Rating in North Carolina

Everyone knows getting an A is great in itself, but A.M. Best awards an A++ to companies it considers to be superior on all levels. Thus, companies like Geico, Allstate, Nationwide, and USAA rank above the best.

Companies with the Most Complaints in North Carolina

When choosing cheap auto insurance in North Carolina, it is important to consider how providers handle customer complaints. This factor is essential because, as a customer, you would want to secure car insurance from top companies with reliable and strong customer support.

Most Complaints in North Carolina by Provider

Based on the chart above, although State Farm is considered a company that provides strong financial support for policyholders, some customers still have issues filing a claim, which may lead drivers in North Carolina to pursue other car insurance providers.

Finding Cheap Auto Insurance in North Carolina: Tips to Get the Best Affordable Premium Coverage

Shopping for car insurance can be confusing initially, but with this guide, we assure you that you can get the most affordable coverage premiums for your budget and lifestyle. Learning the factors that influence your car insurance, such as age, gender, and driving history, determine how much your car insurance monthly.

Top providers like Progressive, Geico, and Nationwide offer the cheapest car insurance in North Carolina. In addition to rates starting at $13 a month, these companies also provide inexpensive premium coverage and reliable customer support, allowing clients to earn substantial amounts with their UBI discounts of up to 30%.

Check how much you can save on car insurance from top providers in your area by entering your ZIP Code in our free comparison tool.