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

Progressive, Geico, and State Farm offer cheap auto insurance in North Carolina, with rates as low as $13 a month. Progressive is ranked number one for its convenient digital tool, which helps customers navigate their policies more efficiently.

Geico is known for its affordable and comprehensive coverage options, 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 auto insurance in NC for your needs.

Use our free tool to find cheap North Carolina auto insurance by entering your ZIP code.

#1 — Progressive: Top Overall Pick

Pros

• Inexpensive Policies: At $13 a month, Progressive offers the most affordable North Carolina car insurance, allowing drivers to save a significant amount of money.
• Easy-to-Use Digital Tools: For tech-savvy drivers, their simple mobile app and website make managing policies and filing claims simple.
• Discount Opportunities: Progressive offers many discounts, such as a bundling discount or its Snapshot program, which makes it possible to offer low-cost North Carolina car insurance rates.

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: When looking for affordable auto insurance in North Carolina, you should know that Geico 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 North Carolina auto insurance even more affordable.

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 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 trustworthy North Carolina auto insurance provider 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: State Farm’s mobile app is easier to use than those of other insurance companies. Read our State Farm auto insurance review to learn how to use these tools.

#4 — Liberty Mutual: Best for Unique Coverage Options

Pros

• Reasonable Rates: Liberty Mutual offers the 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 coverage features for affordable auto insurance in North Carolina, such as upgraded and new car replacements.
• Multi-Car and Multi-Policy Discounts: Drivers can save money on North Carolina auto insurance by combining multiple vehicles or policies.

Cons

• Complex Quotation Procedure: Liberty Mutual’s quote process is drawn out and challenging to understand, which may put off drivers.
• 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 — Erie: Best for Affordable Minimum Coverage

Pros

• Low Costs: Erie offers some affordable auto insurance premiums in North Carolina for minimum coverage.
• Various Coverage Options: Erie allows customers to customize their policies while reducing their auto insurance costs. For additional details, refer to our Erie auto insurance review.
• Bundling Policies: Erie offers bundling discounts, especially for homeowners who also own a car insurance policy, helping North Carolina car owners save.

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.

#6 — Farm Bureau: Best for Drivers in Rural Areas

Pros

• Reasonable Prices for Rural Locations: Offers some of the most affordable vehicle insurance plans for drivers living in rural areas.
• Excellent Customer Service: Farm Bureau Insurance has an outstanding customer satisfaction rating.
• Tailored Plans: According to our Farm Bureau’s auto insurance review, the company has generally more flexible options for drivers in rural regions than other companies.

Cons

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

#7 — Nationwide: Best for Accident Forgiveness

Pros

• Affordable Premiums: Nationwide is a great choice for drivers on a budget because it offers cheaper auto insurance in North Carolina than most of its competitors.
• Opportunities for Flexible Coverage: Nationwide offers customers the option to customize their plans using a variety of add-ons while maintaining competitive rates.
• Accident Forgiveness: Nationwide’s accident forgiveness program can stop rate increases following your initial at-fault accident, to keep North Carolina car insurance cheap.

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. Read our Nationwide auto insurance review for more details.

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#8 — 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.

#9 — 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 auto insurance in North Carolina 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 coverage with them.
• Few Local Agents: Like Geico, USAA is mostly an online-based company, which may not be the best option for consumers who want face-to-face interaction.

#10 — Travelers: Best for Discount Variety

Pros

• Competitive Pricing: For standard policies, Travelers offers some of the lowest premiums for North Carolina auto insurance.
• 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.

Cons

• Average Customer Reviews: Travelers’ reviews are often lower than those of some of its competitors.
• 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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Car Insurance Rates by Provider & Coverage Level in North Carolina

Evaluating your lifestyle and budget is crucial when looking for the best auto insurance provider for your car. Rates differ depending on the type of coverage level, and knowing where to begin with so many options can be difficult, but we’re here to help you choose the best policy for your needs.

North Carolina Auto Insurance Monthly Rates by Provider & Coverage Level

To help you make an informed decision about your vehicle and budget, we evaluated the average car insurance costs in North Carolina, from minimum to full coverage, from top providers in North Carolina.

The tables above show coverage level and cost by providers so you can decide which car insurer to consider. 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

Finding the most affordable vehicle insurance in North Carolina can be challenging for some customers and consumers. By following our guide, you’ll know how to compare rates, discounts, and coverage levels in the end and be able to choose the right policy for you.

Minimum Liability Coverage in North Carolina

State minimums vary, and North Carolina has some of the most moderate liability minimums mandated. North Carolina car insurance requires that all drivers carry 30/60/25 in liability coverage; 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. 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. That’s why it’s better to carry comprehensive collision coverage so that you will be more protected when, in a worst-case scenario, you get into an accident due to your fault. This minimizes out-of-pocket costs, helping you avoid heavy financial loss.

In North Carolina, 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.

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North Carolina Add-Ons, Endorsements, & Riders

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 Car 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 average car insurance costs 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.

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.

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Influencing Factors that Impact NC 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

Rates for car insurance vary, especially for a young driver. This is why  car insurance for teenagers can be costly. The tables below clearly show 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

Young drivers are more of a risk to insure because they lack experience on the road. The video below details how car insurers really evaluate applications, especially for young drivers.

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.

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 by state and location prices differ. 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.

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Car Insurance Coverage Level Rates by Top Providers

The type of auto insurance coverage 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 car insurance rates in NC. 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

Car insurance after a DUI can significantly increase, though providers like State Farm also offer considerably fair car insurance rates in North Carolina 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.

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.

A.M. 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.

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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.

Tips to Get Cheap Auto Insurance in North Carolina

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 usage-based insurance program discounts of up to 30%.

Best Cheap Car Insurance In North Carolina

It is not difficult to find affordable North Carolina car insurance. With numerous choices to choose from in North Carolina, you can simply compare prices, coverage levels, and discounts and get the best value deal for your vehicle.

Whether you’re a young driver or an existing car insurance owner looking to switch providers, knowing what makes an insurance policy great can help you save money while meeting state requirements.

It’s crucial to weigh your options when searching for the best cheap car insurance in NC. By comparing rates and understanding what coverage level you need, you can make an informed decision that can help you save while keeping you and your car protected.

In this car insurance article, we’ll help you compare auto insurance with some of the cheap auto insurance in North Carolina, offering the most affordable protection for your needs.

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.