Cheapest Car Insurance in North Carolina (October 2025)

Q: Who has the cheapest car insurance in North Carolina for those with a speeding ticket?

After getting a <a href="https://www.moneygeek.com/insurance/auto/cheap-car-insurance-after-a-bad-driving-record/">speeding ticket</a>, State Farm provides the lowest rates in North Carolina: $33 monthly for minimum coverage and $76 for full coverage.

State Farm offers North Carolina's most affordable car insurance, with average annual rates of $288 for minimum coverage and $671 for full coverage.

Find the cheapest North Carolina car insurance for you below.

By Mark Fitzpatrick

Reviewed by Mark Friedlander

Edited by Lukas Velunta

Contributions by 6+ experts

Updated: October 2, 2025

Advertising & Editorial Disclosure

Key Takeaways

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 find the cheapest car insurance, examine pricing trends and top insurers in North Carolina, leverage discount opportunities and compare estimates from different companies.

Cheapest Liability Only Car Insurance in North Carolina?

State Farm offers the cheapest liability-only car insurance in North Carolina at $24 monthly or $288 annually, making it one of the most affordable options nationwide. North Carolina's competitive market keeps rates low compared to most other states.

Progressive ($35 monthly) and GEICO ($43 monthly) provide solid alternatives if State Farm isn't available in your area, while Nationwide ($42 monthly) and National General ($46 monthly) round out the top affordable options. North Carolina drivers benefit from multiple budget-friendly choices as of September 2025.


State Farm	$24	-49%
Progressive	$35	-38%
Geico	$43	-17%
Nationwide	$42	-9%
National General	$46	-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.

North Carolina requires minimum liability coverage of $30,000 for bodily injury per person, $60,000 per accident, and $25,000 for property damage. The state also mandates uninsured motorist coverage at the same limits. These higher requirements compared to many states mean baseline costs run higher but provide better protection than bare minimum states.

GEEK SPEAK: MARK'S THOUGHTS ON LIABILITY-ONLY INSURANCE

North Carolina actually requires decent coverage limits compared to other states, so you're getting more protection than you might think. But here's the catch: those beautiful Blue Ridge Mountains and coastal areas come with their own risks.

Mountain driving means more severe accidents, and coastal living means hurricane season can turn your car into expensive scrap metal. Without comprehensive coverage, you're betting against Mother Nature in a state that sees everything from ice storms to tropical cyclones.

The state's higher minimum requirements are smart, but consider whether they're enough when medical bills from serious accidents easily hit six figures.

Remember, the cheapest insurer isn't necessarily the best car insurance for your specific situation. If you're considering full coverage, scroll down to see the cheapest options for full coverage in North Carolina.

	Insurance Carrier	MoneyGeek ScoreMG Score	Average Monthly Payment
1	State Farm	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	Allstate	63 /of 100	$157

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Cheapest Full Coverage Car Insurance in North Carolina

State Farm continues to lead North Carolina's insurance market, offering the cheapest full coverage at $56 monthly or $671 annually—maintaining the same dominance it shows in minimum coverage rates. This consistency makes State Farm a clear choice for North Carolina drivers seeking comprehensive protection at affordable rates.

Progressive ($61 monthly) follows closely behind, while GEICO ($86 monthly), Nationwide ($101 monthly), and National General ($102 monthly) complete the top five. North Carolina drivers enjoy multiple budget-friendly options for comprehensive coverage as of September 2025.


Geico	$86	$1,037
National General	$102	$1,218
Nationwide	$101	$1,207
Progressive	$61	$737
State Farm	$56	$671

*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.

LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN NORTH CAROLINA

We've created additional guides below to help you in your search for the best and cheapest car insurance in North Carolina:

Compare the Cheapest Car Insurance in North Carolina for You

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:

Data filtered by:Results filtered by:

Age Group

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Age Group:Adult Drivers

Gender

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Gender:Female

Coverage Level (Friendly)

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Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.

Credit Alignment

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Credit Alignment:Good

Driving Record

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Driving Record:


State Farm	$71	$849	-52%	$-903
State Farm	$56	$671	-46%	$-575
State Farm	$183	$2,194	-54%	$-2,543
State Farm	$76	$918	-49%	$-880
Progressive	$80	$955	-45%	$-797
Progressive	$61	$737	-41%	$-509
Progressive	$216	$2,595	-45%	$-2,142
Progressive	$87	$1,038	-42%	$-759
Farm Bureau	$130	$1,564	-11%	$-187
Geico	$88	$1,059	-15%	$-187
National General	$256	$3,066	-35%	$-1,671
Utica Insurance	$102	$1,223	-32%	$-575
Farmers	$131	$1,568	-10%	$-184
Farm Bureau	$100	$1,197	-4%	$-48
Farmers	$359	$4,313	-9%	$-424
Farm Bureau	$142	$1,701	-5%	$-96
Penn National Insurance	$138	$1,657	-5%	$-94
Farmers	$100	$1,203	-3%	$-43
Utica Insurance	$373	$4,474	-6%	$-264
Farmers	$142	$1,706	-5%	$-91

*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.

Cheapest Car Insurance in North Carolina by City

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:

Data filtered by:Results filtered by:

City

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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.

Cheapest Car Insurance in North Carolina by Driver Age Group

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:

Young drivers can get the lowest rates from Progressive, starting at $54 per month
Adult drivers find the best deals with State Farm, with rates from $24 per month
Senior drivers see the most affordable coverage through Progressive, beginning at $35 per month

Cheapest Car Insurance for Young Drivers in North Carolina

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.

Data filtered by:Results filtered by:

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Coverage Level:State Minimum Liability Only

Gender

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Gender:Male

Credit Alignment

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Credit Alignment:Good

Driving Record

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Driving Record:Clean


Progressive	$54	$643	-45%	$-533
Farmers	$75	$895	-24%	$-281
Penn National Insurance	$69	$834	-29%	$-342
State Farm	$44	$532	-55%	$-644
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.

Cheapest Car Insurance for Adult Drivers in North Carolina

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%.

Data filtered by:Results filtered by:

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Coverage Level:State Minimum Liability Only

Gender

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Gender:Male

Credit Alignment

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Credit Alignment:Good

Driving Record

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Driving Record:Clean


Progressive	$35	$425	-30%	$-180
State Farm	$24	$289	-52%	$-316
Nationwide	$44	$523	-14%	$-82
Geico	$45	$536	-11%	$-69
Farm Bureau	$44	$526	-13%	$-79

Cheapest Car Insurance for Senior Drivers in North Carolina

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.

Data filtered by:Results filtered by:

Coverage Level

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Coverage Level:State Minimum Liability Only

Gender

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Gender:Male

Credit Alignment

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Credit Alignment:Good

Driving Record

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Driving Record:Clean


Progressive	$35	$425	-39%	$-272
Farmers	$50	$599	-14%	$-97
Penn National Insurance	$47	$559	-20%	$-137
State Farm	$29	$346	-50%	$-350
Farm Bureau	$48	$573	-18%	$-124

Cheapest Car Insurance for High-Risk Drivers in North Carolina

Your driving record greatly affects rates. Drivers with clean records pay the lowest premiums, while violations or accidents raise costs. Here are the cheapest options by record type:

Cheapest for Bad Credit: Utica from $67 per month
Cheapest With a DUI: National General from $71 per month
Cheapest With an Accident: State Farm from $30 per month
Cheapest With a Speeding Ticket: State Farm from $41 per month
Cheapest With a Texting While Driving Violation: State Farm from $30 per month

Cheapest Car Insurance for Bad Credit in North Carolina

Utica 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.

Data filtered by:Results filtered by:

Age Group

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Age Group:Adult Drivers

Coverage Level

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Coverage Level:State Minimum Liability Only

Gender

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Gender:Male

Driving Record

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Driving Record:Clean


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

Cheapest Car Insurance With a DUI in North Carolina

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%.

Data filtered by:Results filtered by:

Age Group

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Age Group:Adult Drivers

Coverage Level

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Coverage Level:State Minimum Liability Only

Gender

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Gender:Male

Credit Alignment

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Credit Alignment:Good


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

Cheapest Car Insurance With an Accident in North Carolina

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%.

Data filtered by:Results filtered by:

Age Group

Select

Age Group:Adult Drivers

Coverage Level

Select

Coverage Level:State Minimum Liability Only

Gender

Select

Gender:Male

Credit Alignment

Select

Credit Alignment:Good


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

Cheapest Car Insurance With a Speeding Ticket

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%.

Data filtered by:Results filtered by:

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Age Group:Adult Drivers

Coverage Level

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Coverage Level:State Minimum Liability Only

Gender

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Gender:Male

Credit Alignment

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Credit Alignment:Good


State Farm	$33	$391	-55%	$-485
Progressive	$50	$603	-31%	$-273
Utica Insurance	$57	$690	-21%	$-187
Nationwide	$62	$745	-15%	$-131
Farm Bureau	$63	$754	-14%	$-123

Cheapest Car Insurance With a Texting While Driving Violation

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%.

Data filtered by:Results filtered by:

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Age Group:Adult Drivers

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Coverage Level:State Minimum Liability Only

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Gender:Male

Credit Alignment

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Credit Alignment:Good

How to Get the Cheapest Car Insurance in North Carolina

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.

1
Compare insurers across the state
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.
2
Know North Carolina’s coverage requirements
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.
3
Use discounts and safe-driver incentives
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.
4
Match coverage to local risks
- Urban drivers face higher risks of crashes and theft, making comprehensive and collision coverage worth the cost.
- Coastal areas see hurricane and flood risks, which only comprehensive coverage will cover.
- Rural drivers with older, lower-value vehicles may save by carrying liability-only coverage.
5
Consider telematics programs
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.
6
Maintain strong credit and a clean record
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.
7
High-risk drivers and the NCRF
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.

Risks of Getting the Cheapest Car Insurance in North Carolina

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:

Vehicle damage if you're at fault won't be covered

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.

Weather risks make damage to your car more likely and aren't covered

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.

Bodily injury damage is more likely to be higher than the minimum limits

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.

Not having uninsured motorist coverage opens you up to unexpected costs

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.

Vehicle theft damage is more likely and uncovered

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.

Minimum Coverage Requirements in North Carolina

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

Cheap Car Insurance in North Carolina: Bottom Line

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.

Cheap Car Insurance in North Carolina: FAQ

Below we answer common questions about finding affordable car insurance coverage that fits your North Carolina budget.

What are the cheapest car insurance companies in North Carolina?

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.

Who has the cheapest car insurance rates for young drivers in North Carolina?

Progressive provides the most affordable rates for young drivers in North Carolina, with monthly premiums starting at $54.

Who offers the cheapest car insurance rates for seniors in North Carolina?

Senior drivers in North Carolina can find affordable coverage through Progressive, which offers monthly minimum coverage rates averaging $35 for drivers 65 and older.

Who has the cheapest car insurance in North Carolina for bad credit?

Utica 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.

Who has the cheapest car insurance in North Carolina with an accident?

State Farm offers the most budget-friendly car insurance for North Carolina drivers with an accident, with rates starting at $30 per month.

Who has the cheapest car insurance in North Carolina with a DUI?

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.

Who has the cheapest car insurance in North Carolina for those with a speeding ticket?

After getting a speeding ticket, State Farm provides the lowest rates in North Carolina: $33 monthly for minimum coverage and $76 for full coverage.

Should you buy the cheapest car insurance in North Carolina?

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.

How We Found the Most Affordable Car Insurance 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:

40-year-old male
2012 Toyota Camry LE
Clean driving record
12,000 miles driven annually
Good credit
Valid license
Currently insured
No claims history

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:

$50,000 per person for bodily injury
$100,000 per accident for bodily injury
$50,000 per accident for property damage

For full coverage policy rates, we used the following liability limits:

$100,000 for bodily injury liability per person
$300,000 for bodily injury liability per accident
$100,000 for property damage liability
Comprehensive and collision coverage with a $1,000 deductible

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.

Read Full Bio »

sources

Insurance Information Institute. "Facts + Statistics: Auto Insurance." Accessed October 2, 2025.
Insurance Information Institute. "Facts + Statistics: Uninsured Motorists." Accessed October 2, 2025.
National Centers for Environmental Information. "Climate at a Glance." Accessed October 2, 2025.
National Insurance Crime Bureau. "Vehicle Thefts Surge Nationwide in 2023." Accessed October 2, 2025.

Cheapest Car Insurance in North Carolina (October 2025)

Key Takeaways

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Cheapest Liability Only Car Insurance in North Carolina?

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Cheapest Full Coverage Car Insurance in North Carolina

LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN NORTH CAROLINA

Compare the Cheapest Car Insurance in North Carolina for You

Cheapest Car Insurance in North Carolina by City

Cheapest Car Insurance in North Carolina by Driver Age Group

Cheapest Car Insurance for Young Drivers in North Carolina

Cheapest Car Insurance for Adult Drivers in North Carolina

Cheapest Car Insurance for Senior Drivers in North Carolina

Cheapest Car Insurance for High-Risk Drivers in North Carolina

Cheapest Car Insurance for Bad Credit in North Carolina

Cheapest Car Insurance With a DUI in North Carolina

Cheapest Car Insurance With an Accident in North Carolina

Cheapest Car Insurance With a Speeding Ticket

Cheapest Car Insurance With a Texting While Driving Violation

How to Get the Cheapest Car Insurance in North Carolina

Compare insurers across the state

Know North Carolina’s coverage requirements

Use discounts and safe-driver incentives

Match coverage to local risks

Consider telematics programs

Maintain strong credit and a clean record

High-risk drivers and the NCRF

Risks of Getting the Cheapest Car Insurance in North Carolina

Vehicle damage if you're at fault won't be covered

Weather risks make damage to your car more likely and aren't covered

Bodily injury damage is more likely to be higher than the minimum limits

Not having uninsured motorist coverage opens you up to unexpected costs

Vehicle theft damage is more likely and uncovered

Minimum Coverage Requirements in North Carolina

Cheap Car Insurance in North Carolina: Bottom Line

Cheap Car Insurance in North Carolina: FAQ

What are the cheapest car insurance companies in North Carolina?

Who has the cheapest car insurance rates for young drivers in North Carolina?

Who offers the cheapest car insurance rates for seniors in North Carolina?

Who has the cheapest car insurance in North Carolina for bad credit?

Who has the cheapest car insurance in North Carolina with an accident?

Who has the cheapest car insurance in North Carolina with a DUI?

Who has the cheapest car insurance in North Carolina for those with a speeding ticket?

Should you buy the cheapest car insurance in North Carolina?

How We Found the Most Affordable Car Insurance in North Carolina

sources