North Carolina Car Insurance Quotes: Compare State Farm, GEICO and More

MoneyGeek collected quotes from State Farm, GEICO, National General and other major car insurance companies in North Carolina. We used different driver profiles for each quote, looking at age, driving record, credit score and other relevant variables that affect the cost of car insurance.

If you’re looking to save on auto insurance premiums, we calculated the cheapest car insurance quotes in North Carolina. MoneyGeek also has a guide on the average cost of car insurance in North Carolina in case you want to figure out how your premiums can change depending on your profile.

We did not include potential discounts in our calculations, which can change your actual rates.

MoneyGeek collected thousands of car insurance quotes in North Carolina. Toggle your driver characteristics to personalize quotes for a better estimate of your rates.

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Compare North Carolina Car Insurance Quotes

Compare State Farm Car Insurance Quote - State Farm

Compare GEICO Car Insurance Quote - GEICO

Compare National General Car Insurance Quote - National General

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The average cost of full coverage car insurance from State Farm in North Carolina is $650 per year.

The insurer’s cheapest quote costs approximately $326 per year. This is for a 40-year-old SUV driver with an excellent credit score and clean driving record who holds a state minimum policy. A 20-year-old luxury sedan driver with a DUI and poor credit will get the insurance company’s most expensive average quote at $5,031 yearly, with a full coverage policy.

Browse the table below and choose characteristics that match your profile to see how much state minimum coverage costs compared to full coverage.

State Farm Car Insurance Quotes in North Carolina

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• Coverage Level
  State Farm Average Annual Quote
• State Minimum Liability
  $368
• 100/300/100 Comprehensive/Collision
  $670

GEICO’s average North Carolina full coverage car insurance policy costs $825 annually.

A 40-year-old SUV driver with minimum coverage, an excellent credit score and clean driving record pays around $390 per year, GEICO’s most affordable quote. Conversely, the priciest quote from this insurer, at $7,367 yearly, is for a 20-year-old luxury sedan driver with a full coverage policy, a poor credit score and a DUI.

You can view the table below and select details that fit your profile to see the price difference between the state minimum and full coverage policies.

GEICO Car Insurance Quotes in North Carolina

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• Coverage Level
  GEICO Average Annual Quote
• State Minimum Liability
  $440
• 100/300/100 Comprehensive/Collision
  $851

North Carolina Farm Bureau’s average quote for full coverage car insurance in North Carolina is $737 yearly.

The most affordable quote from this insurer is roughly $356 per year. This estimate is for a 40-year-old SUV driver with an excellent credit score and clean driving record who is seeking a state minimum policy. A 20-year-old luxury sedan driver with full coverage, a poor credit score and a DUI will see the priciest North Carolina Farm Bureau car insurance quote, at an average of $5,366 annually.

You can pick details that match your profile and compare the quotes for state minimum against full coverage insurance from the table below.

North Carolina Farm Bureau Car Insurance Quotes in North Carolina

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• Coverage Level
  North Carolina Farm Bureau Average Annual Quote
• State Minimum Liability
  $402
• 100/300/100 Comprehensive/Collision
  $760

In North Carolina, an average Nationwide car insurance quote costs around $600 per year.

The cheapest Nationwide quote is $275 annually on average and is for a 40-year-old SUV driver with a clean record and excellent credit score, seeking a state minimum policy. The most expensive average annual quote from Nationwide, at $4,383, is for a 20-year-old luxury sedan driver with a DUI and poor credit score who wants a full coverage car insurance policy in North Carolina.

Using the below table, you can choose characteristics that fit your profile and compare state minimum against full coverage car insurance rates.

Nationwide Car Insurance Quotes in North Carolina

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• Coverage Level
  Nationwide Average Annual Quote
• State Minimum Liability
  $310
• 100/300/100 Comprehensive/Collision
  $618

On average a Progressive car insurance quote in North Carolina costs $1,084 yearly for full coverage.

A 40-year-old SUV driver with a minimum policy, clean driving record and excellent credit score will see Progressive’s cheapest average quote at $494 per year. The quote for a 20-year-old full coverage policyholder who drives a luxury sedan and has a DUI on record and a poor credit score is $8,123 per year on average. This is the most expensive quote offered by Progressive in North Carolina.

Using the table below, choose details that match your profile. You’ll see how rates compare between the state minimum and full coverage policies.

Progressive Car Insurance Quotes in North Carolina

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• Coverage Level
  Progressive Average Annual Quote
• State Minimum Liability
  $557
• 100/300/100 Comprehensive/Collision
  $1,117

The average car insurance quote of Allstate in North Carolina costs roughly $1,004 yearly.

Allstate’s most affordable quote is available for a 40-year-old SUV driver with a state minimum policy, clean driving record and excellent credit score, at $465 per year on average. The most expensive average premium is $8,104 yearly and is for a 20-year-old luxury sedan driver with full coverage, a poor credit score and a DUI on record.

In the table below, you can select which details fit your profile and compare costs between the state minimum and full coverage car insurance policies.

Allstate Car Insurance Quotes in North Carolina

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• Coverage Level
  Allstate Average Annual Quote
• State Minimum Liability
  $524
• 100/300/100 Comprehensive/Collision
  $1,035

Erie's average quote for full car insurance in North Carolina is $716 per year.

A 40-year-old SUV driver with a state minimum policy, excellent credit score and clean driving record will see the insurer’s cheapest quote of roughly $350 yearly. Conversely, Erie’s most expensive quote, at around $5,573 annually, is for a 20-year-old luxury sedan driver with full coverage, a poor credit score and a DUI.

You can browse the table below, pick details that match your profile, and check the rates of the state minimum policy versus full coverage auto insurance.

Erie Car Insurance Quotes in North Carolina

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• Coverage Level
  Erie Average Annual Quote
• State Minimum Liability
  $394
• 100/300/100 Comprehensive/Collision
  $738

You can find out how much car insurance will cost you in several ways, such as getting an estimate through personal research or using MoneyGeek’s data. In this guide, we list estimates from some of the state’s biggest car insurers, but you can also use MoneyGeek’s car insurance calculator for more accurate quotes.

Another way is to get personalized quotes from insurers directly. Although this is more time-consuming, it’s the most accurate process.

Auto Insurance Calculator

State

North Carolina

Age

30-65

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female

Add Student Driver

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

1.

Nationwide

$336

2.

State Farm

$398

3.

Erie

$427

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You can either use an online quote tool or speak with an insurance agent to get car insurance quotes in North Carolina. This process involves compiling your personal information, your vehicle’s details and knowing how much insurance you need. While the quotes may not be binding, you’ll get the most precise estimate.

MoneyGeek computed the amount of time needed to get one car insurance quote from the largest insurance companies in North Carolina. We found that the online quote tool of National General is one of the quickest to produce estimates. We also noted which insurance providers didn’t allow us to get a quote using their online tool and wrote that they didn’t have an online quote process.

State Farm offers an online quote tool that takes roughly two minutes to complete. Using the tool, you can adjust your coverage level. This can help give a more comprehensive quote idea since it immediately shows changes in pricing.

It takes around three minutes to finish GEICO’s online quote tool. The tool also allows you to change your coverage level if needed, showing you how prices may adjust according to what kind of coverage you’re looking for.

National General provides an online quote tool that you can complete in roughly one minute. It’s possible to adjust your coverage level with their tool, which will immediately show how your rate will change.

The North Carolina Farm Bureau doesn’t have an online quote tool. There is a page to find an office location nearest you so that you can call an agent directly for a quote.

It takes around two minutes to complete Nationwide’s online quote tool. The tool does not allow adjustments to your coverage level. If you wish to do so, you’ll have to go through the quote process again or contact a Nationwide representative directly.

Progressive has an online quote tool that takes approximately two minutes to complete. You can change your coverage level to see how your quote is affected in real time.

USAA has an online quote tool; however, we weren’t able to get a quote for our sample driver. If the same is true for you, contact one of their representatives to get a personalized quote.

With Allstate’s online quote tool, you’ll get your quote in approximately two minutes. You can adjust your coverage level for an immediate price adjustment, which can help you decide what kind of coverage fits your budget.

You can complete Erie’s auto insurance quote tool in roughly one minute. You can change your coverage level to see the price adjustment in real time.

With Liberty Mutual, you can get a quote using their online tool in about two minutes. You can also adjust the coverage level to see how much your quote will change depending on your selection.

Getting car insurance quotes online shouldn’t be a lengthy process. MoneyGeek answers the most commonly asked questions about getting car insurance quotes in North Carolina.

About the Author

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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.

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