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.
Cheapest Car Insurance in North Carolina
Updated: August 13, 2025
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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 $16 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.
Who Has the Cheapest Car Insurance in North Carolina?
| 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.
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:
Best Car Insurance Rates by Category in North Carolina
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.
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:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Utica Insurance | $165 | $1,986 | -45% |
| National General | $215 | $2,585 | -28% |
| Penn National Insurance | $223 | $2,674 | -25% |
| Erie Insurance | $245 | $2,945 | -18% |
| Kemper | $258 | $3,101 | -13% |
*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:
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City:Aberdeen
| Aberdeen | State Farm | $19 | -56% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
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 Multiple Insurance Providers
Get quotes from several insurance companies since rates can vary significantly between providers. Check prices through insurance websites, independent agents and comparison tools to find the best deal.
- 2
Determine Your Coverage Needs
Know what coverage you need to avoid paying for unnecessary add-ons while ensuring you have enough financial protection. Consider your car's value, your assets and your state's requirements.
- 3
Consider Lower Coverage Amounts
Reducing your coverage level can lower your costs if that fits your budget and risk tolerance. Think about your financial situation, driving habits and where you live before making this choice.
- 4
Look for Discounts and Compare Costs
Research average auto insurance costs to understand typical pricing in your area. Ask about available discounts and compare home and auto insurance bundle prices to maximize your savings.
- 5
Try Alternative Insurance Options
Look into pay-per-mile car insurance if you don't drive much. Consider telematics programs that track driving habits for potential savings. Check if your car manufacturer offers special insurance programs.
- 6
Work on Your Risk Profile
Better credit scores and safe driving habits lead to lower insurance rates. Focus on improving these factors to reduce your costs over time.
- 7
Choose a Cost-Effective Vehicle
If you're shopping for a car, pick a cheaper car to insure to save money on coverage. Older, reliable vehicles typically cost less to insure and repair.
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.
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 frequently asked 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 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.
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.
sources
- Insurance Information Institute. "Facts + Statistics: Auto Insurance." Accessed August 17, 2025.
- Insurance Information Institute. "Facts + Statistics: Uninsured Motorists." Accessed August 17, 2025.
- National Centers for Environmental Information. "Climate at a Glance." Accessed August 17, 2025.
- National Insurance Crime Bureau. "Vehicle Thefts Surge Nationwide in 2023." Accessed August 17, 2025.