Cheapest Car Insurance in North Carolina

Compare the lowest rates by insurer in North Carolina below based on your age and driving history:

Cheapest by coverage type

• Full coverage: State Farm, $56
• Minimum coverage: State Farm, $24

Cheapest by driver age

• Teen drivers (16) minimum coverage: State Farm, $85
• Teen drivers (16) full coverage: State Farm, $172
• Young drivers (25) minimum coverage: State Farm, $32
• Young drivers (25) full coverage: Progressive, $62
• Seniors (65+) minimum coverage: State Farm, $29
• Seniors (65+) full coverage: Progressive, $62

Cheapest by driving record

• Clean record: State Farm, $31
• Speeding ticket: State Farm, $33
• At-fault accident: State Farm, $31
• DUI: National General, $72
• Bad credit: Utica Insurance, $67

Rates refreshed: November 12, 2025

For the most affordable minimum coverage, State Farm leads North Carolina at $24 monthly or $284 annually, sitting 42% below the state average. Progressive follows as the next cheapest at $35 per month, and Penn National Insurance costs $39 monthly. All three providers have cheaper rates than the state average for this coverage type.

North Carolina's minimum coverage requires $30,000 in bodily injury liability per person, $60,000 per accident and $25,000 in property damage liability (30/60/25). The state requires uninsured motorist coverage at the same 30/60/25 limits, making it one of the few states requiring this level of protection. See how much car insurance you need to be protected.

For the most affordable full coverage in North Carolina, State Farm is the lowest cost at $56 monthly ($661 annually), offering 36% savings below the state average. Progressive is the next cheapest at $61 monthly ($726 yearly).  Both companies have low rates and are highly rated national insurers.

Full coverage combines comprehensive and collision protection with your existing liability policy. Collision pays for vehicle repairs when you cause an accident, while comprehensive handles damage from severe weather, theft and vandalism.

The cheapest car insurance option in North Carolina depends on your city. State Farm is the cheapest across the 10 largest cities in the state. The lowest-priced minimum car insurance ranges from $21 in Winston-Salem to $32 in Charlotte.  The most affordable full coverage is $49 in Winston-Salem and $73 in Charlotte. 

Smaller cities like Winston-Salem offer the most affordable monthly premiums, while Charlotte is more expensive due to its busier roads and higher crime rates. The cheapest provider in each city will save you up to 58% from the average city cost

For 16-year-olds in North Carolina, State Farm offers the most affordable minimum coverage at $85 monthly and full coverage at $172 monthly. By age 25, State Farm has the cheapest minimum at $32 monthly and Progressive has the lowest full coverage at $62 monthly. Teenagers can get cheaper rates if they remain on a family policy.

State Farm offers the most affordable minimum coverage for seniors across all age groups, ranging from $25 to $32 per month. Full coverage varies by age, with Progressive offering the cheapest rates at ages 65, 80 and 90 ($62 monthly). State Farm offers better rates at age 70 ($59 monthly).

You can obtain lower rates as a senior by reducing your mileage estimate. This strategy, combined with senior discounts, will save you up to 35% on North Carolina car insurance rates.

National General offers the most affordable rates with a DUI at $72 monthly for minimum coverage and $256 for full coverage. State Farm offers another budget-friendly option in North Carolina, with monthly rates of $78 for minimum coverage and $183 for full coverage. 

Drivers in North Carolina with a DUI pay almost twice the national average, but State Farm remains an affordable option if you want full coverage.

After an at-fault accident in North Carolina, State Farm offers the most affordable rates at $31 monthly for minimum coverage and $71 for full coverage. Progressive and Farm Bureau are low cost alternatives but are $11 to $50 more expensive depending on the coverage you choose.

North Carolina keeps violations on your record for 24 months under state law, so points are removed from your license after two years. You will start to see cheaper rates on your renewal after two years, but some insurers maintain higher rates for three to five years. Because of the rate variability after a violation, you should comparison shop after an accident to get lower rates.

After a speeding ticket in North Carolina, State Farm has the cheapest minimum coverage at $33 monthly and full coverage at $77 monthly. Progressive offers competitive rates at $51 monthly for minimum coverage and $87 for full coverage, given you two great options for affordable rates. You will see your rates go down by 10-30% on average in North Carolina after your ticket falls off your record.

Drivers with lower credit scores in North Carolina can get the cheapest coverage with Utica Insurance at $67 monthly for minimum coverage. National General ($81 monthly) and Erie ($94 monthly)  also have low-cost options. North Carolina is a state that allows car insurance companies to use credit scores when determining rates.  

Though you will pay roughly twice as much on average with a low credit score, Utica rates have less of an increase. Improving your credit score will dramatically lower your North Carolina insurance cost.

North Carolina drivers are impacted by factors like coastal hurricane risks, heavy traffic in Charlotte and Raleigh metros, and above-average uninsured motorist rates. Here's how you can get lower rates:

• Shop around annually and get at least three quotes from NC insurers. Your best rate can swing by $30 to $50 per month, depending on the carrier.
• Opt for North Carolina's minimum state requirements if it works for your coverage needs.
• Raise your deductible to $1,000 on full coverage policies. This cuts premiums by an average of 14% in North Carolina, on a $661 annual policy, which saves $92 per year.
• Bundle auto with home in North Carolina. Our analysis shows this saves 10% to 31% on each policy, depending on your situation.

For more ways to save, see the guide to car insurance discounts and how to save on car insurance.

We gathered car insurance data from the North Carolina Department of Insurance and analyzed quotes from major insurers across all residential ZIP codes in North Carolina. Our analysis included more than 51 million rate comparisons in North Carolina to find the cheapest options for different driver profiles, coverage types and demographics. For detailed information on our research methodology, see our complete methodology guide.