Updated: September 15, 2025
Advertising & Editorial Disclosure
The cheapest car insurance companies in North Carolina for most drivers are State Farm, Progressive and GEICO, offering average savings of up to 49%.
Car insurance costs can be as low as $17 monthly for minimum coverage and $39 for full coverage policies on average in North Carolina.
To get the cheapest car insurance in North Carolina, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
State Farm delivers the lowest rates in North Carolina, with monthly premiums of $24 for minimum coverage and $56 for full coverage. Drivers save $38 monthly (49%) compared to state averages. Get quotes from Progressive, GEICO, Nationwide and National General too.
Rates based on MoneyGeek analysis and may vary based on individual circumstances, location and other factors.
| State Farm | $24 | $56 | -49% |
| Progressive | $35 | $61 | -38% |
| Geico | $43 | $86 | -17% |
| Nationwide | $42 | $101 | -9% |
| National General | $46 | $102 | -5% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Sep 15, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 96 /of 100 | $68 | |
| 2 |  Nationwide | 92 /of 100 | $83 |
| 3 | Kemper | 75 /of 100 | $92 |
| 4 |  GEICO | 75 /of 100 | $110 |
| 5 |  Progressive | 76 /of 100 | $143 |
| 6 | 63 /of 100 | $157 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
State Farm offers the cheapest car insurance rates for most North Carolina drivers, winning first place in seven out of our 10 driver categories based on different profiles, while Progressive provides affordable rates for young and senior drivers. Find your specific rates in the table:
| Young Drivers | Progressive | $54 |
| Adult Drivers | State Farm | $24 |
| Senior Drivers | Progressive | $35 |
| Drivers With An Accident | State Farm | $30 |
| Drivers With A DUI | State Farm | $77 |
| Drivers With A Speeding Ticket | State Farm | $33 |
| Drivers With Bad Credit | Utica Insurance | $65 |
| Drivers With Low Income | Utica Insurance | $59 |
| Drivers With Newer Cars | State Farm | $32 |
| Drivers With Old Cars | State Farm | $20 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
We've created additional guides below to help you in your search for the best and cheapest car insurance in North Carolina:
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Utica offers the lowest rates at $165 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
| Utica Insurance | $165 | $1,986 | -45% | $-1,596 |
| National General | $215 | $2,585 | -28% | $-997 |
| Penn National Insurance | $223 | $2,674 | -25% | $-908 |
| Erie Insurance | $245 | $2,945 | -18% | $-637 |
| Kemper | $258 | $3,101 | -13% | $-481 |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Where you live in North Carolina affects your insurance costs based on local crime, accidents and traffic density. State Farm charges as little as $16 in Carrboro but Progressive costs $40 in Bellarthur. Here are the cheapest providers for every North Carolina city:
| Charlotte | State Farm | $32 | -51% | $-54 |
| Raleigh | State Farm | $27 | -53% | $-49 |
| Greensboro | State Farm | $27 | -53% | $-49 |
| Durham | State Farm | $24 | -50% | $-40 |
| Winston-Salem | State Farm | $21 | -53% | $-40 |
| Fayetteville | State Farm | $29 | -58% | $-67 |
| Cary | State Farm | $26 | -55% | $-48 |
| Wilmington | State Farm | $29 | -51% | $-46 |
| High Point | State Farm | $26 | -53% | $-49 |
| Concord | State Farm | $24 | -56% | $-51 |
| Asheville | State Farm | $20 | -54% | $-39 |
| Greenville | State Farm | $25 | -57% | $-56 |
| Gastonia | State Farm | $28 | -51% | $-49 |
| Jacksonville | State Farm | $21 | -60% | $-51 |
| Apex | State Farm | $19 | -58% | $-43 |
| Huntersville | State Farm | $21 | -59% | $-51 |
| Chapel Hill | State Farm | $20 | -49% | $-33 |
| Rocky Mount | State Farm | $24 | -57% | $-54 |
| Burlington | State Farm | $20 | -56% | $-42 |
| Kannapolis | State Farm | $24 | -56% | $-51 |
| Wilson | State Farm | $33 | -53% | $-61 |
| Hickory | State Farm | $22 | -54% | $-43 |
| Indian Trail | State Farm | $25 | -56% | $-53 |
| Mooresville | State Farm | $21 | -56% | $-45 |
| Monroe | State Farm | $27 | -57% | $-60 |
| Salisbury | State Farm | $28 | -53% | $-50 |
| Wake Forest | State Farm | $22 | -55% | $-45 |
| Thomasville | State Farm | $21 | -57% | $-47 |
| Sanford | State Farm | $23 | -54% | $-45 |
| Statesville | State Farm | $20 | -57% | $-45 |
| Lenoir | State Farm | $21 | -55% | $-43 |
| Cornelius | State Farm | $21 | -58% | $-50 |
| Kinston | State Farm | $23 | -57% | $-51 |
| Lexington | State Farm | $21 | -57% | $-47 |
| Tarboro | State Farm | $24 | -57% | $-53 |
| Carrboro | State Farm | $17 | -58% | $-39 |
| Clayton | State Farm | $27 | -48% | $-42 |
| Mount Holly | State Farm | $26 | -52% | $-47 |
| Holly Springs | State Farm | $18 | -60% | $-45 |
| Fuquay-Varina | State Farm | $24 | -54% | $-47 |
| Morrisville | State Farm | $31 | -54% | $-53 |
| Albemarle | State Farm | $20 | -58% | $-45 |
| Eden | State Farm | $26 | -54% | $-52 |
| Laurinburg | State Farm | $26 | -55% | $-54 |
| Roanoke Rapids | State Farm | $23 | -57% | $-51 |
| Newton | State Farm | $21 | -56% | $-44 |
| Lincolnton | State Farm | $23 | -55% | $-47 |
| Reidsville | State Farm | $20 | -57% | $-44 |
| Boone | State Farm | $25 | -43% | $-32 |
| Aberdeen | State Farm | $19 | -56% | $-41 |
| Advance | State Farm | $19 | -58% | $-44 |
| Ahoskie | State Farm | $23 | -58% | $-52 |
| Alamance | Progressive | $33 | -42% | $-33 |
| Albertson | State Farm | $24 | -56% | $-51 |
| Alexander | State Farm | $18 | -57% | $-39 |
| Alexis | Progressive | $36 | -38% | $-30 |
| Alliance | State Farm | $23 | -59% | $-55 |
| Almond | State Farm | $18 | -59% | $-44 |
| Andrews | State Farm | $18 | -59% | $-44 |
| Angier | State Farm | $23 | -55% | $-47 |
| Ansonville | State Farm | $25 | -58% | $-58 |
| Arapahoe | State Farm | $19 | -60% | $-49 |
| Ararat | State Farm | $19 | -56% | $-40 |
| Archdale | State Farm | $25 | -55% | $-52 |
| Arden | State Farm | $17 | -60% | $-43 |
| Ash | State Farm | $23 | -56% | $-49 |
| Asheboro | State Farm | $20 | -55% | $-41 |
| Atkinson | State Farm | $24 | -54% | $-46 |
| Atlantic | State Farm | $20 | -62% | $-55 |
| Atlantic Beach | State Farm | $19 | -65% | $-58 |
| Aulander | State Farm | $23 | -57% | $-52 |
| Aurora | State Farm | $23 | -58% | $-54 |
| Autryville | State Farm | $23 | -59% | $-56 |
| Avon | State Farm | $21 | -63% | $-58 |
| Ayden | State Farm | $25 | -58% | $-58 |
| Aydlett | State Farm | $19 | -64% | $-58 |
| Badin | State Farm | $20 | -58% | $-46 |
| Bahama | State Farm | $21 | -53% | $-40 |
| Bailey | State Farm | $25 | -56% | $-53 |
| Bakersville | State Farm | $18 | -57% | $-40 |
| Balsam | Progressive | $31 | -46% | $-35 |
| Balsam Grove | Progressive | $31 | -43% | $-31 |
| Banner Elk | State Farm | $19 | -56% | $-40 |
| Barco | State Farm | $19 | -64% | $-57 |
| Barium Springs | Progressive | $36 | -41% | $-34 |
| Barnardsville | State Farm | $17 | -58% | $-40 |
| Barnesville | State Farm | $33 | -49% | $-54 |
| Bat Cave | Progressive | $31 | -43% | $-32 |
| Bath | State Farm | $24 | -56% | $-50 |
| Battleboro | State Farm | $24 | -58% | $-54 |
| Bear Creek | State Farm | $19 | -57% | $-43 |
| Beaufort | State Farm | $19 | -64% | $-56 |
| Belews Creek | State Farm | $19 | -55% | $-39 |
| Belhaven | State Farm | $24 | -56% | $-50 |
| Bellarthur | Progressive | $40 | -46% | $-47 |
| Belmont | State Farm | $26 | -51% | $-46 |
| Belvidere | State Farm | $23 | -63% | $-63 |
| Bennett | State Farm | $20 | -56% | $-42 |
| Benson | State Farm | $24 | -53% | $-46 |
| Bessemer City | State Farm | $28 | -52% | $-51 |
| Bethel | State Farm | $23 | -58% | $-54 |
| Beulaville | State Farm | $23 | -59% | $-54 |
| Biscoe | State Farm | $20 | -57% | $-45 |
| Black Mountain | State Farm | $18 | -59% | $-42 |
| Bladenboro | State Farm | $27 | -55% | $-55 |
| Blanch | Progressive | $35 | -42% | $-34 |
| Blounts Creek | State Farm | $24 | -58% | $-54 |
| Blowing Rock | State Farm | $18 | -57% | $-41 |
| Bolivia | State Farm | $23 | -56% | $-49 |
| Bolton | State Farm | $23 | -58% | $-54 |
| Bonlee | Progressive | $33 | -42% | $-33 |
| Boomer | State Farm | $19 | -55% | $-40 |
| Boonville | State Farm | $19 | -56% | $-41 |
| Bostic | State Farm | $19 | -57% | $-42 |
| Brasstown | State Farm | $18 | -59% | $-44 |
| Brevard | State Farm | $18 | -58% | $-41 |
| Bridgeton | Progressive | $32 | -47% | $-38 |
| Broadway | State Farm | $23 | -54% | $-45 |
| Browns Summit | State Farm | $20 | -54% | $-40 |
| Brunswick | Progressive | $40 | -48% | $-49 |
| Bryson City | State Farm | $17 | -61% | $-45 |
| Bullock | State Farm | $23 | -56% | $-48 |
| Bunn | State Farm | $24 | -58% | $-54 |
| Bunnlevel | State Farm | $27 | -57% | $-60 |
| Burgaw | State Farm | $23 | -54% | $-45 |
| Burnsville | State Farm | $18 | -58% | $-41 |
| Butner | State Farm | $25 | -56% | $-53 |
| Buxton | Progressive | $32 | -54% | $-51 |
| Bynum | Progressive | $33 | -43% | $-33 |
| Calabash | State Farm | $19 | -58% | $-43 |
| Calypso | State Farm | $24 | -58% | $-54 |
| Camden | State Farm | $19 | -65% | $-58 |
| Cameron | State Farm | $24 | -55% | $-48 |
| Candler | State Farm | $18 | -57% | $-40 |
| Candor | State Farm | $20 | -58% | $-45 |
| Canton | State Farm | $17 | -58% | $-40 |
| Caroleen | Progressive | $30 | -45% | $-34 |
| Carolina Beach | State Farm | $22 | -53% | $-41 |
| Carthage | State Farm | $19 | -56% | $-41 |
| Casar | State Farm | $23 | -55% | $-47 |
| Cashiers | State Farm | $18 | -59% | $-44 |
| Castalia | State Farm | $23 | -57% | $-52 |
| Catawba | State Farm | $21 | -56% | $-44 |
| Cedar Falls | Progressive | $33 | -42% | $-32 |
| Cedar Grove | State Farm | $20 | -54% | $-39 |
| Cedar Island | Progressive | $32 | -53% | $-50 |
| Cedar Mountain | Progressive | $31 | -41% | $-30 |
| Cerro Gordo | State Farm | $27 | -56% | $-57 |
| Chadbourn | State Farm | $27 | -56% | $-57 |
| Cherokee | State Farm | $17 | -62% | $-46 |
| Cherry Point | State Farm | $19 | -60% | $-47 |
| Cherryville | State Farm | $24 | -51% | $-42 |
| China Grove | State Farm | $24 | -54% | $-47 |
| Chinquapin | State Farm | $23 | -59% | $-54 |
| Chocowinity | State Farm | $24 | -58% | $-53 |
| Claremont | State Farm | $21 | -56% | $-44 |
| Clarendon | State Farm | $27 | -56% | $-57 |
| Clarkton | State Farm | $26 | -56% | $-56 |
| Clemmons | State Farm | $19 | -56% | $-40 |
| Cleveland | State Farm | $23 | -55% | $-48 |
| Climax | State Farm | $20 | -55% | $-40 |
| Clinton | State Farm | $24 | -58% | $-54 |
| Clyde | State Farm | $17 | -59% | $-41 |
| Coats | State Farm | $24 | -54% | $-47 |
| Cofield | State Farm | $23 | -57% | $-52 |
| Coinjock | Progressive | $32 | -53% | $-49 |
| Colerain | State Farm | $23 | -57% | $-52 |
| Collettsville | State Farm | $19 | -56% | $-40 |
| Columbia | State Farm | $22 | -62% | $-62 |
| Columbus | State Farm | $18 | -59% | $-42 |
| Comfort | Progressive | $37 | -49% | $-48 |
| Como | State Farm | $23 | -57% | $-52 |
| Conetoe | Progressive | $37 | -48% | $-46 |
| Connelly Springs | State Farm | $20 | -58% | $-46 |
| Conover | State Farm | $21 | -55% | $-42 |
| Conway | State Farm | $24 | -56% | $-51 |
| Cooleemee | State Farm | $18 | -60% | $-45 |
| Corapeake | State Farm | $24 | -60% | $-60 |
| Corolla | State Farm | $19 | -64% | $-58 |
| Council | State Farm | $26 | -57% | $-57 |
| Cove City | State Farm | $22 | -59% | $-52 |
| Cove Creek | State Farm | $18 | -56% | $-39 |
| Cramerton | State Farm | $26 | -52% | $-47 |
| Creedmoor | State Farm | $24 | -57% | $-54 |
| Creston | State Farm | $19 | -55% | $-39 |
| Creswell | State Farm | $23 | -58% | $-52 |
| Crossnore | Progressive | $30 | -45% | $-35 |
| Crouse | State Farm | $23 | -55% | $-48 |
| Crumpler | State Farm | $19 | -56% | $-39 |
| Culberson | Progressive | $31 | -47% | $-37 |
| Cullowhee | State Farm | $17 | -62% | $-46 |
| Cumberland | State Farm | $33 | -51% | $-58 |
| Cumnock | Progressive | $38 | -41% | $-35 |
| Currie | State Farm | $24 | -54% | $-46 |
| Currituck | Progressive | $32 | -53% | $-50 |
| Dallas | State Farm | $28 | -52% | $-52 |
| Danbury | State Farm | $20 | -55% | $-41 |
| Davidson | State Farm | $27 | -49% | $-43 |
| Davis | State Farm | $20 | -64% | $-59 |
| Deep Gap | State Farm | $18 | -56% | $-39 |
| Deep Run | State Farm | $23 | -58% | $-53 |
| Delco | State Farm | $24 | -58% | $-53 |
| Denton | State Farm | $20 | -57% | $-43 |
| Denver | State Farm | $22 | -55% | $-45 |
| Dillsboro | Progressive | $31 | -47% | $-37 |
| Dobson | State Farm | $19 | -56% | $-41 |
| Dover | State Farm | $23 | -57% | $-51 |
| Drexel | State Farm | $20 | -59% | $-50 |
| Dublin | Progressive | $40 | -48% | $-49 |
| Dudley | State Farm | $24 | -55% | $-48 |
| Dunn | State Farm | $24 | -54% | $-46 |
| Durants Neck | Progressive | $35 | -54% | $-56 |
| Eagle Springs | State Farm | $20 | -55% | $-40 |
| Earl | Progressive | $38 | -41% | $-36 |
| East Bend | State Farm | $19 | -56% | $-41 |
| East Flat Rock | State Farm | $18 | -58% | $-41 |
| Edenton | State Farm | $22 | -64% | $-64 |
| Edward | Progressive | $37 | -47% | $-44 |
| Efland | State Farm | $20 | -54% | $-39 |
| Elizabeth City | State Farm | $19 | -65% | $-60 |
| Elizabethtown | State Farm | $26 | -57% | $-58 |
| Elkin | State Farm | $19 | -55% | $-39 |
| Elk Park | State Farm | $19 | -55% | $-39 |
| Ellenboro | State Farm | $19 | -58% | $-42 |
| Ellerbe | State Farm | $20 | -58% | $-46 |
| Elm City | State Farm | $25 | -56% | $-53 |
| Elon | State Farm | $19 | -57% | $-42 |
| Emerald Isle | State Farm | $18 | -66% | $-59 |
| Enfield | State Farm | $23 | -57% | $-52 |
| Engelhard | Progressive | $35 | -52% | $-52 |
| Enka | Progressive | $31 | -43% | $-32 |
| Ennice | State Farm | $20 | -54% | $-39 |
| Ernul | Progressive | $37 | -44% | $-40 |
| Erwin | State Farm | $24 | -55% | $-49 |
| Ether | Progressive | $33 | -44% | $-35 |
| Etowah | State Farm | $18 | -58% | $-42 |
| Eure | State Farm | $24 | -61% | $-62 |
| Everetts | Progressive | $37 | -48% | $-46 |
| Evergreen | State Farm | $27 | -55% | $-56 |
| Fair Bluff | State Farm | $27 | -55% | $-56 |
| Fairfield | Progressive | $35 | -53% | $-54 |
| Fairmont | State Farm | $28 | -57% | $-62 |
| Fairview | State Farm | $18 | -58% | $-42 |
| Faison | State Farm | $24 | -57% | $-53 |
| Falcon | Progressive | $38 | -46% | $-44 |
| Fallston | Progressive | $38 | -41% | $-36 |
| Farmville | State Farm | $24 | -58% | $-54 |
| Ferguson | State Farm | $19 | -55% | $-40 |
| Flat Rock | State Farm | $18 | -59% | $-43 |
| Fleetwood | State Farm | $19 | -56% | $-40 |
| Fletcher | State Farm | $18 | -58% | $-42 |
| Fontana Dam | Progressive | $31 | -45% | $-34 |
| Forest City | State Farm | $19 | -58% | $-42 |
| Fort Bragg | State Farm | $38 | -56% | $-74 |
| Fountain | State Farm | $24 | -57% | $-53 |
| Four Oaks | State Farm | $25 | -52% | $-44 |
| Foxfire | State Farm | $20 | -55% | $-40 |
| Franklin | State Farm | $18 | -60% | $-44 |
| Franklinton | State Farm | $24 | -57% | $-53 |
| Franklinville | State Farm | $20 | -55% | $-41 |
| Fremont | State Farm | $24 | -56% | $-52 |
| Frisco | State Farm | $20 | -64% | $-59 |
| Garland | State Farm | $23 | -59% | $-55 |
| Garner | State Farm | $24 | -54% | $-47 |
| Garysburg | State Farm | $23 | -57% | $-51 |
| Gaston | State Farm | $23 | -56% | $-50 |
| Gates | State Farm | $24 | -60% | $-61 |
| Gatesville | State Farm | $24 | -61% | $-61 |
| Germanton | State Farm | $19 | -57% | $-42 |
| Gerton | Progressive | $31 | -43% | $-31 |
| Gibson | State Farm | $26 | -56% | $-55 |
| Gibsonville | State Farm | $19 | -56% | $-41 |
| Glade Valley | State Farm | $20 | -55% | $-40 |
| Glen Alpine | State Farm | $20 | -60% | $-50 |
| Glendale Springs | Progressive | $30 | -43% | $-31 |
| Glenville | Progressive | $31 | -44% | $-33 |
| Gloucester | State Farm | $19 | -65% | $-59 |
| Godwin | State Farm | $23 | -57% | $-52 |
| Gold Hill | State Farm | $22 | -57% | $-49 |
| Goldsboro | State Farm | $27 | -49% | $-43 |
| Goldston | State Farm | $19 | -56% | $-42 |
| Graham | State Farm | $20 | -55% | $-40 |
| Grandy | State Farm | $19 | -66% | $-61 |
| Granite Falls | State Farm | $21 | -55% | $-43 |
| Grantsboro | State Farm | $20 | -60% | $-49 |
| Grassy Creek | State Farm | $19 | -56% | $-39 |
| Green Mountain | State Farm | $18 | -58% | $-41 |
| Grifton | State Farm | $24 | -58% | $-55 |
| Grimesland | State Farm | $25 | -56% | $-52 |
| Grover | State Farm | $24 | -55% | $-48 |
| Halifax | State Farm | $23 | -57% | $-51 |
| Hallsboro | State Farm | $26 | -56% | $-57 |
| Hamilton | State Farm | $22 | -58% | $-52 |
| Hamlet | State Farm | $24 | -58% | $-56 |
| Hampstead | State Farm | $21 | -55% | $-42 |
| Hamptonville | State Farm | $19 | -56% | $-41 |
| Harbinger | Progressive | $32 | -51% | $-46 |
| Harkers Island | State Farm | $19 | -65% | $-59 |
| Harmony | State Farm | $19 | -56% | $-41 |
| Harrells | State Farm | $23 | -59% | $-55 |
| Harrellsville | State Farm | $23 | -57% | $-51 |
| Harrisburg | State Farm | $25 | -56% | $-51 |
| Hassell | Progressive | $35 | -48% | $-45 |
| Hatteras | State Farm | $20 | -64% | $-59 |
| Havelock | State Farm | $19 | -60% | $-47 |
| Haw River | State Farm | $20 | -55% | $-40 |
| Hayesville | State Farm | $19 | -58% | $-43 |
| Hays | State Farm | $19 | -55% | $-40 |
| Hazelwood | Progressive | $31 | -43% | $-32 |
| Henderson | State Farm | $23 | -55% | $-47 |
| Hendersonville | State Farm | $18 | -59% | $-42 |
| Henrico | State Farm | $23 | -58% | $-52 |
| Henrietta | State Farm | $22 | -57% | $-50 |
| Hertford | State Farm | $22 | -63% | $-63 |
| Hiddenite | State Farm | $19 | -57% | $-42 |
| Highfalls | Progressive | $33 | -40% | $-30 |
| Highlands | State Farm | $18 | -59% | $-43 |
| Hildebran | State Farm | $21 | -57% | $-46 |
| Hillsborough | State Farm | $20 | -55% | $-41 |
| Hobbsville | State Farm | $24 | -61% | $-61 |
| Hobgood | State Farm | $24 | -56% | $-51 |
| Hobucken | Progressive | $37 | -48% | $-46 |
| Hoffman | State Farm | $25 | -58% | $-56 |
| Hollister | State Farm | $23 | -58% | $-53 |
| Holly Ridge | State Farm | $19 | -59% | $-45 |
| Hookerton | State Farm | $24 | -58% | $-54 |
| Hope Mills | State Farm | $27 | -59% | $-66 |
| Horse Shoe | State Farm | $18 | -58% | $-42 |
| Hot Springs | State Farm | $18 | -57% | $-41 |
| Hubert | State Farm | $19 | -59% | $-45 |
| Hudson | State Farm | $21 | -56% | $-44 |
| Hurdle Mills | State Farm | $23 | -55% | $-46 |
| Iron Station | State Farm | $23 | -55% | $-48 |
| Ivanhoe | State Farm | $23 | -59% | $-54 |
| Jackson | State Farm | $24 | -57% | $-51 |
| Jamestown | State Farm | $30 | -54% | $-53 |
| Jamesville | State Farm | $22 | -59% | $-52 |
| Jarvisburg | State Farm | $18 | -65% | $-58 |
| Jefferson | State Farm | $19 | -56% | $-39 |
| Jonas Ridge | Progressive | $30 | -47% | $-36 |
| Jonesville | State Farm | $19 | -55% | $-40 |
| Julian | State Farm | $20 | -55% | $-40 |
| Kelford | State Farm | $23 | -57% | $-52 |
| Kelly | State Farm | $24 | -58% | $-55 |
| Kenansville | State Farm | $23 | -58% | $-54 |
| Kenly | State Farm | $24 | -55% | $-49 |
| Kernersville | State Farm | $19 | -55% | $-40 |
| Kill Devil Hills | State Farm | $18 | -65% | $-59 |
| King | State Farm | $19 | -57% | $-42 |
| Kings Mountain | State Farm | $24 | -55% | $-48 |
| Kipling | Progressive | $38 | -43% | $-40 |
| Kittrell | State Farm | $24 | -55% | $-48 |
| Kitty Hawk | State Farm | $18 | -66% | $-59 |
| Knightdale | State Farm | $28 | -52% | $-51 |
| Knotts Island | State Farm | $20 | -64% | $-58 |
| Kure Beach | State Farm | $22 | -54% | $-42 |
| La Grange | State Farm | $23 | -55% | $-48 |
| Lake Junaluska | State Farm | $17 | -59% | $-40 |
| Lake Lure | State Farm | $18 | -57% | $-41 |
| Lake Norman of Catawba | State Farm | $22 | -54% | $-43 |
| Lake Toxaway | State Farm | $18 | -58% | $-41 |
| Lakeview | Progressive | $33 | -41% | $-31 |
| Lake Waccamaw | State Farm | $24 | -57% | $-53 |
| Landis | State Farm | $24 | -55% | $-48 |
| Lansing | State Farm | $19 | -56% | $-40 |
| Lattimore | Progressive | $38 | -41% | $-36 |
| Laurel Hill | State Farm | $26 | -56% | $-54 |
| Laurel Springs | State Farm | $19 | -55% | $-40 |
| Lawndale | State Farm | $23 | -56% | $-48 |
| Lawsonville | State Farm | $20 | -56% | $-41 |
| Leasburg | Progressive | $35 | -42% | $-35 |
| Leicester | State Farm | $18 | -57% | $-40 |
| Leland | State Farm | $23 | -56% | $-49 |
| Lemon Springs | Progressive | $38 | -41% | $-36 |
| Lewiston Woodville | Progressive | $35 | -47% | $-43 |
| Lewisville | State Farm | $19 | -55% | $-39 |
| Liberty | State Farm | $20 | -55% | $-41 |
| Lilesville | State Farm | $25 | -58% | $-57 |
| Lillington | State Farm | $24 | -55% | $-48 |
| Linden | State Farm | $24 | -58% | $-54 |
| Linville Falls | Progressive | $30 | -46% | $-35 |
| Linwood | State Farm | $22 | -56% | $-47 |
| Little Switzerland | Progressive | $30 | -44% | $-33 |
| Littleton | State Farm | $23 | -57% | $-50 |
| Locust | State Farm | $21 | -56% | $-45 |
| Longwood | State Farm | $23 | -56% | $-49 |
| Louisburg | State Farm | $24 | -57% | $-53 |
| Lowell | State Farm | $27 | -51% | $-46 |
| Lowgap | State Farm | $19 | -55% | $-40 |
| Lowland | Progressive | $37 | -48% | $-46 |
| Lucama | State Farm | $24 | -57% | $-53 |
| Lumber Bridge | State Farm | $28 | -58% | $-64 |
| Lumberton | State Farm | $29 | -57% | $-62 |
| Lynn | Progressive | $30 | -45% | $-34 |
| MacClesfield | State Farm | $25 | -55% | $-52 |
| Macon | State Farm | $23 | -55% | $-48 |
| Madison | State Farm | $19 | -57% | $-43 |
| Maggie Valley | State Farm | $17 | -59% | $-41 |
| Magnolia | State Farm | $23 | -58% | $-53 |
| Maiden | State Farm | $21 | -56% | $-45 |
| Manns Harbor | State Farm | $19 | -65% | $-58 |
| Manson | State Farm | $23 | -56% | $-48 |
| Manteo | State Farm | $19 | -65% | $-57 |
| Maple | Progressive | $32 | -52% | $-48 |
| Maple Hill | Progressive | $37 | -41% | $-35 |
| Marble | State Farm | $19 | -58% | $-43 |
| Margarettsville | State Farm | $23 | -56% | $-50 |
| Marietta | State Farm | $33 | -49% | $-54 |
| Marion | State Farm | $18 | -59% | $-43 |
| Marshall | State Farm | $18 | -58% | $-40 |
| Marshallberg | Progressive | $32 | -52% | $-47 |
| Mars Hill | State Farm | $17 | -60% | $-44 |
| Marshville | State Farm | $27 | -57% | $-60 |
| Marston | State Farm | $33 | -44% | $-43 |
| Matthews | State Farm | $26 | -55% | $-53 |
| Maury | State Farm | $24 | -57% | $-54 |
| Maxton | State Farm | $26 | -58% | $-58 |
| Mayodan | State Farm | $19 | -58% | $-44 |
| Maysville | State Farm | $19 | -61% | $-50 |
| McAdenville | State Farm | $26 | -53% | $-49 |
| Mccutcheon Field | Progressive | $37 | -43% | $-37 |
| Mc Farlan | State Farm | $33 | -46% | $-46 |
| Mc Grady | Progressive | $33 | -40% | $-29 |
| McLeansville | State Farm | $20 | -55% | $-40 |
| Mebane | State Farm | $19 | -56% | $-41 |
| Merritt | State Farm | $19 | -60% | $-49 |
| Merry Hill | State Farm | $22 | -58% | $-52 |
| Micaville | Progressive | $30 | -45% | $-34 |
| Middlesex | State Farm | $24 | -57% | $-54 |
| Midland | State Farm | $24 | -56% | $-52 |
| Midway Park | State Farm | $21 | -59% | $-50 |
| Millers Creek | State Farm | $19 | -55% | $-40 |
| Mill Spring | State Farm | $18 | -57% | $-41 |
| Mills River | State Farm | $18 | -58% | $-41 |
| Milton | State Farm | $22 | -54% | $-44 |
| Misenheimer | State Farm | $20 | -58% | $-46 |
| Mocksville | State Farm | $18 | -59% | $-44 |
| Moncure | State Farm | $20 | -55% | $-41 |
| Montreat | Progressive | $31 | -43% | $-32 |
| Mooresboro | State Farm | $23 | -55% | $-48 |
| Moravian Falls | State Farm | $20 | -56% | $-41 |
| Morehead City | State Farm | $19 | -65% | $-57 |
| Morganton | State Farm | $20 | -58% | $-46 |
| Morven | State Farm | $25 | -57% | $-54 |
| Mount Airy | State Farm | $19 | -55% | $-40 |
| Mount Gilead | State Farm | $20 | -58% | $-46 |
| Mount Mourne | Progressive | $36 | -42% | $-35 |
| Mount Olive | State Farm | $24 | -57% | $-52 |
| Mount Pleasant | State Farm | $21 | -58% | $-48 |
| Mount Ulla | Progressive | $39 | -39% | $-35 |
| Moyock | State Farm | $20 | -64% | $-58 |
| Murfreesboro | State Farm | $23 | -57% | $-52 |
| Murphy | State Farm | $18 | -59% | $-44 |
| Murraysville | State Farm | $22 | -54% | $-42 |
| Nags Head | State Farm | $19 | -65% | $-59 |
| Nakina | State Farm | $26 | -57% | $-58 |
| Naples | Progressive | $31 | -43% | $-32 |
| Nashville | State Farm | $23 | -58% | $-55 |
| Nebo | State Farm | $18 | -58% | $-41 |
| New Bern | State Farm | $19 | -59% | $-46 |
| Newell | State Farm | $34 | -55% | $-69 |
| New Hill | State Farm | $20 | -57% | $-44 |
| Newland | State Farm | $19 | -57% | $-40 |
| New London | State Farm | $20 | -57% | $-44 |
| Newport | State Farm | $19 | -65% | $-57 |
| Newton Grove | State Farm | $24 | -57% | $-53 |
| Norlina | State Farm | $23 | -56% | $-49 |
| Norman | Progressive | $33 | -45% | $-36 |
| North Wilkesboro | State Farm | $19 | -55% | $-40 |
| Norwood | State Farm | $20 | -58% | $-46 |
| Oakboro | State Farm | $20 | -57% | $-45 |
| Oak City | State Farm | $23 | -57% | $-51 |
| Oak Island | State Farm | $20 | -58% | $-46 |
| Oak Ridge | State Farm | $19 | -57% | $-42 |
| Ocean Isle Beach | State Farm | $18 | -59% | $-44 |
| Ocracoke | State Farm | $20 | -64% | $-59 |
| Old Fort | State Farm | $18 | -60% | $-44 |
| Olin | State Farm | $19 | -56% | $-40 |
| Olivia | Progressive | $38 | -43% | $-39 |
| Oriental | State Farm | $19 | -60% | $-49 |
| Orrum | State Farm | $29 | -56% | $-61 |
| Otto | State Farm | $18 | -59% | $-44 |
| Oxford | State Farm | $22 | -57% | $-50 |
| Pantego | State Farm | $24 | -56% | $-51 |
| Parkton | State Farm | $28 | -58% | $-64 |
| Parmele | Progressive | $37 | -48% | $-45 |
| Paw Creek | State Farm | $33 | -48% | $-51 |
| Peachland | State Farm | $26 | -58% | $-60 |
| Pelham | State Farm | $22 | -55% | $-45 |
| Pembroke | State Farm | $28 | -57% | $-63 |
| Pendleton | State Farm | $24 | -56% | $-51 |
| Penland | Progressive | $30 | -45% | $-34 |
| Penrose | State Farm | $18 | -59% | $-42 |
| Pikeville | State Farm | $24 | -54% | $-48 |
| Pilot Mountain | State Farm | $19 | -56% | $-40 |
| Pinebluff | State Farm | $20 | -55% | $-40 |
| Pine Hall | State Farm | $20 | -56% | $-41 |
| Pinehurst | State Farm | $20 | -55% | $-40 |
| Pineola | Progressive | $30 | -45% | $-35 |
| Pinetops | State Farm | $25 | -56% | $-54 |
| Pinetown | State Farm | $24 | -56% | $-50 |
| Pineville | State Farm | $27 | -58% | $-61 |
| Piney Creek | Progressive | $30 | -42% | $-30 |
| Pink Hill | State Farm | $23 | -58% | $-53 |
| Pinnacle | State Farm | $20 | -56% | $-41 |
| Pisgah Forest | State Farm | $18 | -59% | $-42 |
| Pittsboro | State Farm | $20 | -56% | $-42 |
| Pleasant Garden | State Farm | $20 | -55% | $-41 |
| Pleasant Hill | State Farm | $23 | -57% | $-51 |
| Plymouth | State Farm | $22 | -59% | $-52 |
| Point Harbor | Progressive | $32 | -52% | $-47 |
| Polkton | State Farm | $26 | -57% | $-58 |
| Polkville | Progressive | $38 | -41% | $-36 |
| Pollocksville | State Farm | $23 | -59% | $-56 |
| Pope Army Airfield | State Farm | $28 | -58% | $-65 |
| Poplar Branch | Progressive | $32 | -53% | $-49 |
| Potecasi | Progressive | $35 | -49% | $-46 |
| Powells Point | State Farm | $18 | -65% | $-58 |
| Powellsville | Progressive | $35 | -49% | $-46 |
| Princeton | State Farm | $24 | -54% | $-46 |
| Proctorville | State Farm | $33 | -49% | $-54 |
| Prospect Hill | State Farm | $22 | -54% | $-44 |
| Providence | State Farm | $22 | -55% | $-45 |
| Purlear | State Farm | $19 | -55% | $-40 |
| Raeford | State Farm | $27 | -59% | $-66 |
| Ramseur | State Farm | $20 | -55% | $-40 |
| Randleman | State Farm | $20 | -56% | $-41 |
| Red Springs | State Farm | $27 | -58% | $-64 |
| Rennert | State Farm | $28 | -58% | $-64 |
| Rex | State Farm | $33 | -50% | $-55 |
| Rhodhiss | Progressive | $36 | -41% | $-34 |
| Richfield | State Farm | $20 | -57% | $-44 |
| Richlands | State Farm | $21 | -59% | $-51 |
| Rich Square | State Farm | $23 | -57% | $-51 |
| Ridgecrest | Progressive | $31 | -43% | $-32 |
| Ridgeway | Progressive | $35 | -46% | $-41 |
| Riegelwood | State Farm | $24 | -58% | $-53 |
| Roaring Gap | Progressive | $33 | -39% | $-29 |
| Roaring River | State Farm | $19 | -56% | $-41 |
| Robbins | State Farm | $20 | -55% | $-39 |
| Robbinsville | State Farm | $18 | -59% | $-43 |
| Robersonville | State Farm | $23 | -59% | $-55 |
| Rockingham | State Farm | $24 | -58% | $-56 |
| Rockwell | State Farm | $23 | -56% | $-48 |
| Rocky Point | State Farm | $24 | -54% | $-46 |
| Rodanthe | Progressive | $32 | -54% | $-52 |
| Roduco | Progressive | $35 | -54% | $-57 |
| Rolesville | Progressive | $33 | -44% | $-36 |
| Ronda | State Farm | $19 | -55% | $-40 |
| Roper | State Farm | $22 | -59% | $-53 |
| Roseboro | State Farm | $23 | -58% | $-55 |
| Rose Hill | State Farm | $23 | -60% | $-56 |
| Rosman | Progressive | $31 | -42% | $-31 |
| Rougemont | State Farm | $23 | -52% | $-42 |
| Rowland | State Farm | $28 | -57% | $-62 |
| Roxboro | State Farm | $23 | -56% | $-47 |
| Roxobel | Progressive | $35 | -47% | $-43 |
| Ruffin | State Farm | $22 | -57% | $-49 |
| Rural Hall | State Farm | $19 | -56% | $-40 |
| Rutherford College | State Farm | $20 | -60% | $-51 |
| Rutherfordton | State Farm | $19 | -57% | $-42 |
| Salemburg | State Farm | $24 | -58% | $-55 |
| Salter Path | State Farm | $19 | -66% | $-61 |
| Saluda | State Farm | $18 | -58% | $-42 |
| Salvo | Progressive | $32 | -54% | $-51 |
| Sandy Ridge | State Farm | $20 | -56% | $-42 |
| Sapphire | Progressive | $31 | -43% | $-31 |
| Saxapahaw | Progressive | $33 | -42% | $-32 |
| Scaly Mountain | Progressive | $31 | -45% | $-34 |
| Scotland Neck | State Farm | $24 | -57% | $-52 |
| Scotts | Progressive | $36 | -41% | $-34 |
| Scottville | Progressive | $33 | -39% | $-29 |
| Scranton | Progressive | $35 | -53% | $-54 |
| Seaboard | State Farm | $23 | -57% | $-51 |
| Seagrove | State Farm | $20 | -54% | $-40 |
| Sealevel | Progressive | $32 | -53% | $-49 |
| Sedalia | Progressive | $33 | -42% | $-32 |
| Selma | State Farm | $24 | -54% | $-46 |
| Semora | State Farm | $22 | -56% | $-47 |
| Seven Lakes | State Farm | $20 | -55% | $-40 |
| Seven Springs | State Farm | $24 | -57% | $-52 |
| Severn | Progressive | $35 | -49% | $-46 |
| Shallotte | State Farm | $23 | -56% | $-49 |
| Sharpsburg | State Farm | $24 | -57% | $-54 |
| Shawboro | State Farm | $20 | -64% | $-58 |
| Shelby | State Farm | $23 | -55% | $-47 |
| Shiloh | State Farm | $19 | -64% | $-57 |
| Siler City | State Farm | $20 | -56% | $-41 |
| Siloam | State Farm | $19 | -55% | $-40 |
| Simpson | Progressive | $37 | -48% | $-46 |
| Sims | State Farm | $25 | -56% | $-52 |
| Skippers Corner | State Farm | $24 | -53% | $-45 |
| Skyland | Progressive | $31 | -44% | $-32 |
| Smithfield | State Farm | $24 | -53% | $-46 |
| Smyrna | State Farm | $19 | -64% | $-56 |
| Sneads Ferry | State Farm | $18 | -60% | $-46 |
| Snow Camp | State Farm | $20 | -55% | $-41 |
| Sophia | State Farm | $20 | -55% | $-41 |
| Southern Pines | State Farm | $19 | -55% | $-40 |
| South Mills | State Farm | $20 | -64% | $-58 |
| Southport | State Farm | $20 | -58% | $-46 |
| Sparta | State Farm | $19 | -55% | $-40 |
| Speed | Progressive | $35 | -48% | $-45 |
| Spencer | State Farm | $23 | -55% | $-48 |
| Spindale | State Farm | $19 | -57% | $-42 |
| Spring Hope | State Farm | $24 | -58% | $-54 |
| Spring Lake | State Farm | $28 | -59% | $-67 |
| Spruce Pine | State Farm | $18 | -57% | $-40 |
| Stacy | Progressive | $32 | -53% | $-50 |
| Staley | State Farm | $20 | -55% | $-41 |
| Stallings | State Farm | $26 | -55% | $-52 |
| Stanfield | State Farm | $21 | -56% | $-45 |
| Stanley | State Farm | $22 | -52% | $-41 |
| Stantonsburg | State Farm | $24 | -57% | $-53 |
| Star | State Farm | $20 | -58% | $-45 |
| State Road | State Farm | $19 | -55% | $-40 |
| Stedman | State Farm | $23 | -58% | $-54 |
| Stella | State Farm | $19 | -65% | $-58 |
| Stem | State Farm | $24 | -58% | $-55 |
| Stokes | State Farm | $24 | -57% | $-53 |
| Stokesdale | State Farm | $20 | -54% | $-39 |
| Stoneville | State Farm | $19 | -58% | $-44 |
| Stony Point | State Farm | $21 | -57% | $-45 |
| Stovall | Progressive | $35 | -46% | $-42 |
| St. Pauls | State Farm | $28 | -57% | $-63 |
| Stumpy Point | Progressive | $32 | -52% | $-47 |
| Summerfield | State Farm | $20 | -55% | $-41 |
| Sunbury | State Farm | $24 | -61% | $-61 |
| Sunset Beach | State Farm | $18 | -59% | $-44 |
| Supply | State Farm | $23 | -56% | $-50 |
| Swannanoa | State Farm | $17 | -59% | $-42 |
| Swanquarter | State Farm | $24 | -60% | $-61 |
| Swansboro | State Farm | $19 | -59% | $-45 |
| Swepsonville | Progressive | $33 | -42% | $-32 |
| Sylva | State Farm | $17 | -62% | $-47 |
| Tabor City | State Farm | $27 | -56% | $-56 |
| Tarawa Terrace | State Farm | $21 | -61% | $-54 |
| Tar Heel | State Farm | $27 | -56% | $-57 |
| Taylorsville | State Farm | $21 | -56% | $-45 |
| Teachey | State Farm | $23 | -59% | $-54 |
| Terrell | State Farm | $22 | -54% | $-43 |
| Thurmond | State Farm | $19 | -55% | $-39 |
| Tillery | Progressive | $35 | -49% | $-46 |
| Timberlake | State Farm | $23 | -55% | $-46 |
| Tobaccoville | State Farm | $19 | -56% | $-40 |
| Todd | Progressive | $30 | -41% | $-29 |
| Topton | State Farm | $18 | -60% | $-44 |
| Traphill | State Farm | $19 | -55% | $-39 |
| Trenton | State Farm | $23 | -60% | $-56 |
| Trinity | State Farm | $20 | -55% | $-41 |
| Troutman | State Farm | $21 | -56% | $-45 |
| Troy | State Farm | $20 | -57% | $-45 |
| Tryon | State Farm | $18 | -59% | $-43 |
| Tuckasegee | State Farm | $18 | -60% | $-44 |
| Turkey | State Farm | $23 | -58% | $-54 |
| Tuxedo | Progressive | $31 | -43% | $-32 |
| Tyner | State Farm | $23 | -62% | $-62 |
| Union Grove | State Farm | $19 | -55% | $-39 |
| Union Mills | State Farm | $18 | -58% | $-41 |
| Valdese | State Farm | $20 | -58% | $-46 |
| Vale | State Farm | $22 | -57% | $-49 |
| Vanceboro | State Farm | $23 | -60% | $-58 |
| Vandemere | Progressive | $37 | -47% | $-45 |
| Vass | State Farm | $20 | -55% | $-40 |
| Vaughan | Progressive | $35 | -46% | $-41 |
| Vilas | State Farm | $18 | -57% | $-39 |
| Waco | Progressive | $38 | -41% | $-37 |
| Wade | Progressive | $38 | -46% | $-44 |
| Wadesboro | State Farm | $25 | -57% | $-56 |
| Wagram | State Farm | $26 | -56% | $-55 |
| Walkertown | State Farm | $19 | -55% | $-39 |
| Wallace | State Farm | $23 | -59% | $-54 |
| Walnut Cove | State Farm | $20 | -56% | $-41 |
| Walstonburg | State Farm | $24 | -56% | $-53 |
| Wanchese | State Farm | $19 | -64% | $-57 |
| Warne | Progressive | $31 | -45% | $-34 |
| Warrensville | State Farm | $19 | -56% | $-40 |
| Warrenton | State Farm | $23 | -55% | $-48 |
| Warsaw | State Farm | $23 | -58% | $-54 |
| Washington | State Farm | $24 | -57% | $-54 |
| Waves | Progressive | $32 | -54% | $-51 |
| Waxhaw | State Farm | $24 | -57% | $-52 |
| Waynesville | State Farm | $17 | -60% | $-41 |
| Weaverville | State Farm | $18 | -58% | $-40 |
| Weldon | State Farm | $23 | -57% | $-52 |
| Wendell | State Farm | $24 | -53% | $-46 |
| Westfield | State Farm | $20 | -56% | $-41 |
| West Jefferson | State Farm | $19 | -56% | $-40 |
| Whitakers | State Farm | $23 | -57% | $-51 |
| White Oak | State Farm | $26 | -57% | $-57 |
| Whiteville | State Farm | $27 | -56% | $-57 |
| Whitsett | State Farm | $19 | -56% | $-41 |
| Whittier | State Farm | $24 | -58% | $-55 |
| Wilkesboro | State Farm | $20 | -56% | $-42 |
| Willard | State Farm | $23 | -54% | $-45 |
| Williamston | State Farm | $22 | -60% | $-56 |
| Williston | Progressive | $32 | -53% | $-49 |
| Willow Spring | State Farm | $25 | -52% | $-46 |
| Wilsons Mills | Progressive | $38 | -43% | $-38 |
| Windsor | State Farm | $22 | -59% | $-53 |
| Winfall | State Farm | $22 | -64% | $-66 |
| Wingate | State Farm | $27 | -57% | $-60 |
| Winston Salem | State Farm | $31 | -53% | $-54 |
| Winterville | State Farm | $25 | -58% | $-57 |
| Winton | State Farm | $23 | -57% | $-51 |
| Wise | Progressive | $35 | -46% | $-41 |
| Woodland | State Farm | $23 | -57% | $-52 |
| Woodleaf | State Farm | $22 | -57% | $-49 |
| Wrightsville Beach | State Farm | $22 | -53% | $-41 |
| Yadkinville | State Farm | $19 | -56% | $-41 |
| Yanceyville | State Farm | $22 | -55% | $-45 |
| Youngsville | State Farm | $24 | -57% | $-53 |
| Zebulon | State Farm | $24 | -54% | $-47 |
| Zionville | State Farm | $18 | -56% | $-39 |
| Zirconia | State Farm | $18 | -58% | $-41 |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
We analyzed car insurance rates across North Carolina for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
State Farm offers the cheapest minimum coverage for young drivers at $44 per month (about $532 annually), which is 55% below the state average. Progressive is another affordable option at $54 per month (about $643 annually), saving young drivers roughly 45% compared to the state average.
Drivers under 18 may have additional licensing requirements and restrictions. Consult your state's DMV for specific teen driver regulations.
| Progressive | $54 | $643 | -45% | $-533 |
| State Farm | $44 | $532 | -55% | $-644 |
| Farmers | $75 | $895 | -24% | $-281 |
| Penn National Insurance | $69 | $834 | -29% | $-342 |
| National General | $71 | $853 | -27% | $-323 |
*The rates shown reflect individual policies. Younger drivers may qualify for lower premiums when added to a family policy instead of purchasing coverage on their own.
State Farm provides the most affordable rates for adults, with minimum coverage averaging just $24 per month (around $289 annually), which is 52% cheaper than the state average. Progressive follows at $35 per month (about $425 annually), saving drivers about 30%.
| State Farm | $24 | $289 | -52% | $-316 |
| Progressive | $35 | $425 | -30% | $-180 |
| Nationwide | $44 | $523 | -14% | $-82 |
| Farm Bureau | $44 | $526 | -13% | $-79 |
| Geico | $45 | $536 | -11% | $-69 |
For seniors, State Farm again leads with minimum coverage at $29 per month (around $346 annually), about 50% less than the state average. Progressive is also budget-friendly at $35 per month (about $425 annually), saving seniors nearly 39% compared to typical premiums.
| Progressive | $35 | $425 | -39% | $-272 |
| State Farm | $29 | $346 | -50% | $-350 |
| Farmers | $50 | $599 | -14% | $-97 |
| Penn National Insurance | $47 | $559 | -20% | $-137 |
| Farm Bureau | $48 | $573 | -18% | $-124 |
Your driving record significantly affects rates. Drivers with clean records pay the lowest premiums, while violations or accidents raise costs. Here are the cheapest options by record type:
Utica Insurance offers the lowest rates for drivers with bad credit, with minimum coverage averaging $67 per month (around $803 annually), saving about 47% compared to the state average. National General comes next at $81 per month (about $967 annually), still offering drivers a 37% discount.
| Utica Insurance | $67 | $803 | -47% | $-725 |
| National General | $81 | $967 | -37% | $-562 |
| Erie Insurance | $93 | $1,119 | -27% | $-410 |
| Farm Bureau | $99 | $1,193 | -22% | $-335 |
| Penn National Insurance | $104 | $1,253 | -18% | $-275 |
National General provides the cheapest coverage for drivers with a DUI at $71 per month (about $857 annually), which is 62% below the state average. State Farm follows closely at $77 per month (around $925 annually), saving drivers nearly 59%.
| National General | $71 | $857 | -62% | $-1,414 |
| State Farm | $77 | $925 | -59% | $-1,345 |
| Progressive | $128 | $1,532 | -33% | $-739 |
| Nationwide | $159 | $1,912 | -16% | $-358 |
| Penn National Insurance | $169 | $2,030 | -11% | $-240 |
Drivers with an accident on their record can find the lowest rates from State Farm, at just $30 per month (about $363 annually), saving about 58% compared to the state average. Progressive is the next best choice at $46 per month (around $554 annually), with savings of 35%.
| State Farm | $30 | $363 | -58% | $-493 |
| Progressive | $46 | $554 | -35% | $-301 |
| Farm Bureau | $58 | $692 | -19% | $-164 |
| Penn National Insurance | $61 | $731 | -14% | $-124 |
| Erie Insurance | $65 | $775 | -9% | $-80 |
State Farm again leads, offering minimum coverage at $41 per month (around $489 annually), which is 50% cheaper than the state average. Geico is another good option at $63 per month (about $761 annually), saving drivers 22%.
| State Farm | $41 | $489 | -50% | $-482 |
| Geico | $63 | $761 | -22% | $-210 |
| Germania Insurance | $66 | $797 | -18% | $-175 |
| Mercury Insurance | $77 | $920 | -5% | $-51 |
| AAA | $80 | $955 | -2% | $-16 |
The cheapest rates for texting-while-driving violations come from State Farm, at $30 per month (about $363 annually), which is 56% below the state average. Progressive is second at $46 per month (around $554 annually), saving drivers about 33%.
| State Farm | $30 | $363 | -56% | $-465 |
| Progressive | $46 | $554 | -33% | $-273 |
| Nationwide | $57 | $685 | -17% | $-143 |
| Farm Bureau | $58 | $692 | -16% | $-136 |
| Penn National Insurance | $61 | $731 | -12% | $-96 |
Finding low-cost insurance companies is just one part of getting the best car insurance rates in North Carolina. Here are proven ways to save the most on auto insurance.
Premiums in North Carolina vary by location. Drivers in larger metro areas like Charlotte, Raleigh, and Greensboro often pay more than those in smaller towns. To find the lowest rate, compare quotes from both national companies and North Carolina–based regional carriers.
The state requires 30/60/25 liability insurance ($30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage). North Carolina also mandates uninsured/underinsured motorist (UM/UIM) coverage in the same amounts, which provides added protection if you’re hit by an uninsured driver.
Common discounts include bundling auto with home or renters insurance, maintaining a clean driving record, and completing an approved defensive driving course. Many insurers also offer savings for good students and for paying your policy in full.
Several insurers in North Carolina offer usage-based programs that track driving behavior such as speed, mileage, and braking. Safe drivers can earn significant discounts through these apps.
Insurers in North Carolina weigh both driving history and credit heavily when setting premiums. Building good credit and avoiding violations are among the most effective ways to keep costs down.
If you are unable to obtain coverage through the voluntary market, you can get a policy through the North Carolina Reinsurance Facility (NCRF). This guarantees access to liability coverage but usually at a higher price.
North Carolina requires drivers to carry liability insurance with minimum coverage of 30/60/25. This means you need $30,000 for injuries to one person, $60,000 total for injuries in one accident and $25,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Without collision coverage, you'll pay all repair costs if you cause an accident. In North Carolina, average property damage claims hit $4,800 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
North Carolina gets hit with severe weather that damages cars regularly. The state faces multiple billion-dollar weather disasters annually, with hurricanes, floods and severe storms frequently damaging thousands of cars. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against storms, flooding and other environmental hazards that frequently hit North Carolina.
North Carolina's minimum bodily injury coverage of $30,000 per person often isn't enough for serious accidents. Average bodily injury claims in North Carolina reach $20,000. With rising medical costs, consider increasing coverage to 50/100/50 for better financial protection against lawsuits.
North Carolina has an uninsured driver problem, with 7.4% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Add uninsured motorist coverage to protect yourself financially in these situations.
Car theft is a real problem in North Carolina, which ranks 10th nationally for auto theft, with rates increasing 10% in 2023 according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so adding comprehensive coverage is worth it in high-risk areas.
To legally drive in North Carolina, all motorists must carry a minimum of 30/60/25 liability insurance. This includes $30,000 in bodily injury coverage per person, $60,000 per accident, and $25,000 in property damage coverage (liability coverage does not include a deductible). In addition, the state requires uninsured motorist (UM) coverage at the same limits, with underinsured motorist (UIM) coverage added when drivers choose higher liability limits.
These minimums keep you compliant with the law, but they may fall short after a serious accident. Considering higher coverage limits can provide stronger financial protection against medical expenses, repair costs, and lawsuits.
Coverage Type | Minimum Required Limit |
|---|---|
Bodily Injury Liability | $30,000 per person / $60,000 per accident |
Property Damage Liability | $25,000 per accident |
Uninsured Motorist (UM) Coverage | Required at the same minimum limits (30/60/25) |
Underinsured Motorist (UIM) Coverage | Required when you purchase limits higher than the state minimum |
State Farm offers the lowest car insurance rates in North Carolina for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Below we answer frequently asked questions about finding affordable car insurance coverage that fits your North Carolina budget.
State Farm leads North Carolina with annual rates of $288 for minimum coverage and $671 for full coverage. Progressive, GEICO, Nationwide and National General also provide competitive rates for North Carolina drivers.
Progressive provides the most affordable rates for young drivers in North Carolina, with monthly premiums starting at $54.
Senior drivers in North Carolina can find affordable coverage through Progressive, which offers monthly minimum coverage rates averaging $35 for drivers 65 and older.
Utica Insurance provides the most affordable rates for bad-credit drivers in North Carolina, with monthly premiums averaging $65 for minimum coverage and $115 for full coverage.
State Farm offers the most budget-friendly car insurance for North Carolina drivers with an accident, with rates starting at $30 per month.
State Farm provides the cheapest car insurance after a DUI in North Carolina. Rates start at $77 per month ($924 annually) for minimum coverage and $183 per month ($2,195 annually) for full coverage.
After getting a speeding ticket, State Farm provides the lowest rates in North Carolina: $33 monthly for minimum coverage and $76 for full coverage.
While saving money on car insurance is tempting, make sure your policy provides sufficient coverage for major accidents. State Farm offers the best balance of affordability and reliable coverage in North Carolina.
MoneyGeek collected auto insurance data from the North Carolina Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in North Carolina.
North Carolina Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in North Carolina
We compared car insurance companies in North Carolina that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in North Carolina.
The minimum coverage liability limits in North Carolina are:
For full coverage policy rates, we used the following liability limits:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
