Cheapest Car Insurance in North Carolina (2026)
Progressive has the cheapest car insurance in North Carolina for full coverage, at $70 a month. This is $54 less than the state average of $124 per month.
Best cheap North Carolina car insurance
North Carolina’s cheapest full coverage car insurance: Progressive
Progressive offers the cheapest full coverage car insurance rates in North Carolina, at $70 per month. State Farm is nearly as cheap, though, with an average rate of $77 per month.
Both companies come in well below the state average of $124 per month for full coverage Full coverage includes collision and comprehensive, which cover your own car for damage and theft. insurance.
Progressive and State Farm have many car insurance discounts that could help you save money. If you can get more discounts from one of these companies than you can get from the other, it could be the cheapest for you.
Full coverage auto insurance rates
| Company | Monthly rate | LendingTree score | |
|---|---|---|---|
 | Progressive | $70 |  |
 | State Farm | $77 |  |
 | Farmers | $107 |  |
 | Travelers | $108 | |
 | Farm Bureau | $116 | |
 | Nationwide | $141 | |
 | Geico | $145 |  |
 | Allstate | $231 | |
Of these two companies, only State Farm offers discounts for anti-theft or vehicle safety features. But only Progressive has discounts for homeowners and those who agree to sign their documents online or receive docs through email.
Cheap liability insurance in North Carolina: State Farm
With an average rate of $41 per month, State Farm has the cheapest liability insurance for North Carolina drivers. Progressive is only $3 more, at $44 per month.
The state average for liability insurance Liability insurance covers injuries and property damage you cause to others. It’s required by law in almost every state. is $60 per month. Three other companies are also cheaper than that: Travelers, Farm Bureau and Nationwide.
Liability car insurance rates in NC
| Company | Monthly rate |
|---|---|
| State Farm | $41 |
| Progressive | $44 |
| Travelers | $56 |
| Farm Bureau | $57 |
| Nationwide | $59 |
| Farmers | $60 |
| Geico | $67 |
| Allstate | $97 |
With these companies being so close in cost, you should compare car insurance quotes from each of them before you renew or buy a policy. That’s one of the best ways to see which will give you the cheapest rate for the coverage you need.
Best cheap car insurance for North Carolina teens: State Farm and Progressive
Teen drivers in North Carolina can get the cheapest car insurance from State Farm and Progressive.
State Farm has the state’s cheapest car insurance for teens who only want liability coverage, at around $82 per month. For North Carolina teens who want full coverage, Progressive has the cheapest rates of about $140 per month.
Monthly auto insurance rates for teens
| Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $82 | $147 |
| Progressive | $92 | $140 |
| Geico | $106 | $245 |
| Travelers | $123 | $225 |
| Nationwide | $125 | $284 |
| Farmers | $125 | $210 |
| Farm Bureau | $137 | $269 |
| Allstate | $217 | $498 |
State Farm has a better customer satisfaction score from J.D. Power J.D. Power’s satisfaction scores are based on customer surveys rating companies on factors like price, coverage options and problem resolution. . This generally means it has happier customers than Progressive.
But Progressive offers more optional coverages that let you customize your policy. You can get accident forgiveness as well as coverage for custom parts, trip interruptions Trip interruption usually covers pre-paid, non-refundable travel expenses, such as for flights and hotels, if you need to end a trip early. and loan/lease payoff Loan/lease gap insurance can help pay off a car loan or lease if your vehicle is stolen or totaled. from Progressive. You can’t get any of these add-ons from State Farm.
Most car insurance companies have discounts that can make teen car insurance more affordable. Progressive and State Farm offer some of the most common ones.
- Progressive may give you a discount for simply adding a teen driver to your policy.
- State Farm has a discount for teens who complete an approved driver training course.
- Both companies offer discounts to students who get good grades or go away to school and don’t take a car with them.
Cheapest car insurance in North Carolina after a ticket: Progressive
Progressive has the cheapest auto insurance for North Carolina drivers with a speeding ticket on their records. The company’s average rate is $92 per month for these drivers. That’s $80 less than the state average of $172 per month.
Auto insurance rates after a ticket
| Company | Monthly rate |
|---|---|
| Progressive | $92 |
| State Farm | $100 |
| Farmers | $142 |
| Farm Bureau | $153 |
| Travelers | $166 |
| Nationwide | $187 |
| Geico | $210 |
| Allstate | $330 |
State Farm is the state’s second-cheapest company after a speeding ticket, at $100 per month. Farmers, Farm Bureau and Travelers are also cheaper than the state average, though they’re all quite a bit more expensive than Progressive and State Farm.
You should expect your car insurance premium Your premium is the amount of money you pay regularly, usually monthly or yearly, to an insurance company for a policy. to go up by about $50 per month after getting a speeding ticket in North Carolina. However, Progressive only raises its rates by about $20 per month after a ticket.
Cheap auto insurance quotes after an accident in North Carolina: Progressive
Drivers in North Carolina with an at-fault accident on their records can get the cheapest car insurance quotes from Progressive, at $108 per month.
State Farm also has cheap car insurance for drivers with an accident on their records, with an average monthly rate that’s only $10 more than Progressive’s.
Car insurance rates after an accident
| Company | Monthly rate |
|---|---|
| Progressive | $108 |
| State Farm | $118 |
| Farmers | $167 |
| Farm Bureau | $181 |
| Travelers | $192 |
| Nationwide | $222 |
| Geico | $318 |
| Allstate | $366 |
The average cost of car insurance with an at-fault accident on your driving record is $209 per month in North Carolina. This means a typical driver sees their car insurance go up by $85 per month after an accident.
North Carolina’s best cheap auto insurance for bad teen drivers: State Farm
State Farm has the cheapest car insurance for teens with a speeding ticket or accident on their records in North Carolina. The company’s average rate for teens with a ticket is $95 per month. For teens with an accident, its average rate is $104 per month.
Monthly insurance rates for teens with a ticket or accident
| Company | Ticket | Accident |
|---|---|---|
| State Farm | $95 | $104 |
| Progressive | $105 | $115 |
| Geico | $118 | $178 |
| Nationwide | $143 | $157 |
| Farmers | $144 | $157 |
| Travelers | $153 | $164 |
| Farm Bureau | $157 | $172 |
| Allstate | $267 | $277 |
Progressive is the state’s second-cheapest company for teens in both situations. For teens with a ticket, Progressive charges about $105 per month. Teens with an accident pay around $115 per month with Progressive.
Cheapest North Carolina car insurance after a DWI: Progressive
At $256 per month, Progressive has the cheapest DUI insurance rates in North Carolina. That’s $242 cheaper than the state average of $498 per month for drivers with a DUI DUI stands for “Driving Under the Influence.” or DWI (driving while impaired) conviction.
State Farm is next, with an average rate of $278 per month. Farmers is third, at $397 per month.
DWI car insurance rates
| Company | Monthly rate |
|---|---|
| Progressive | $256 |
| State Farm | $278 |
| Farmers | $397 |
| Travelers | $402 |
| Geico | $500 |
| Nationwide | $534 |
| Farm Bureau | $661 |
| Allstate | $952 |
If you’re convicted of a DWI in North Carolina, you can expect your car insurance rates to go up around $375 per month. However, Progressive customers only see their rates go up around $185 per month after a DWI.
Cheap car insurance in North Carolina for bad credit: Progressive
Progressive is the best company for cheap car insurance with bad credit in North Carolina, with an average rate of $70 per month.
Farmers is next, with rates that average $107 per month for drivers with poor credit. Nationwide comes in third, at $141 per month.
Bad credit car insurance rates
| Company | Monthly rate |
|---|---|
| Progressive | $70 |
| Farmers | $107 |
| Nationwide | $141 |
| Travelers | $146 |
| Farm Bureau | $165 |
| Geico | $175 |
| State Farm | $368 |
| Allstate | $505 |
All three companies are much cheaper than the state average of $210 per month.
Although Farmers is more expensive than Progressive on average, it offers many discounts that could make it the cheapest for you. Farmers offers more discounts than Progressive, in fact.
With Farmers, you can get discounts for bundling policies, being a loyal customer, paying on time and having a vehicle with anti-theft devices or features. The company also has discounts for homeowners and drivers over the age of 55 who complete an approved safe driver training course.
Best car insurance in North Carolina
Progressive and State Farm are the best car insurance companies in North Carolina.
Both companies have the cheapest rates for most North Carolina drivers and many ways to save, but State Farm has the better J.D. Power customer satisfaction score. Progressive offers more ways to customize a policy with coverage add-ons, however.
North Carolina car insurance company ratings
| Company | J.D. Power | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Farm Bureau | 645 | A | |
| Farmers | 622 | A | |
| Geico | 645 | A++ |  |
| Nationwide | 645 | A | |
| Progressive | 621 | A+ | |
| State Farm | 650 | A++ | |
| Travelers | 613 | A++ | |
North Carolina car insurance rates by city
The cheapest city for car insurance in North Carolina is Chapel Hill, where rates average $107 per month. Newell is the state’s most expensive city for car insurance. Rates there average $161 per month.
Car insurance rates near you
| City | Monthly rate | % from average |
|---|---|---|
| Aberdeen | $120 | -4% |
| Advance | $113 | -9% |
| Ahoskie | $130 | 4% |
| Alamance | $123 | -1% |
| Albemarle | $120 | -3% |
| Albertson | $131 | 5% |
| Alexander | $110 | -12% |
| Alexis | $124 | 0% |
| Alliance | $129 | 3% |
| Almond | $112 | -10% |
| Altamahaw | $120 | -4% |
| Andrews | $111 | -11% |
| Angier | $128 | 3% |
| Ansonville | $138 | 11% |
| Apex | $112 | -10% |
| Arapahoe | $112 | -10% |
| Ararat | $120 | -3% |
| Archdale | $136 | 10% |
| Archer Lodge | $128 | 3% |
| Arden | $111 | -11% |
| Ash | $129 | 4% |
| Asheboro | $121 | -3% |
| Asheville | $111 | -10% |
| Atkinson | $135 | 9% |
| Atlantic | $112 | -10% |
| Atlantic Beach | $110 | -11% |
| Aulander | $131 | 5% |
| Aurora | $130 | 5% |
| Autryville | $133 | 7% |
| Avery Creek | $111 | -11% |
| Avon | $117 | -6% |
| Ayden | $132 | 6% |
| Aydlett | $116 | -6% |
| Badin | $121 | -3% |
| Bahama | $121 | -3% |
| Bailey | $129 | 4% |
| Bakersville | $116 | -7% |
| Bald Head Island | $116 | -7% |
| Balfour | $110 | -11% |
| Balsam | $114 | -8% |
| Balsam Grove | $116 | -6% |
| Banner Elk | $116 | -7% |
| Barco | $117 | -6% |
| Barium Springs | $124 | -1% |
| Barker Heights | $111 | -11% |
| Barnardsville | $112 | -10% |
| Barnesville | $141 | 13% |
| Bat Cave | $116 | -7% |
| Bath | $130 | 5% |
| Battleboro | $130 | 4% |
| Bayboro | $129 | 3% |
| Bayshore | $115 | -8% |
| Bear Creek | $121 | -3% |
| Beaufort | $112 | -10% |
| Beech Mountain | $116 | -7% |
| Belews Creek | $114 | -8% |
| Belhaven | $131 | 5% |
| Bell Arthur | $133 | 7% |
| Bellarthur | $134 | 7% |
| Belmont | $134 | 8% |
| Belvidere | $130 | 5% |
| Belville | $127 | 2% |
| Belwood | $130 | 4% |
| Bennett | $121 | -2% |
| Benson | $129 | 4% |
| Bent Creek | $111 | -11% |
| Bermuda Run | $113 | -9% |
| Bessemer City | $142 | 14% |
| Bethel | $130 | 4% |
| Bethlehem | $121 | -2% |
| Beulaville | $129 | 3% |
| Biltmore Forest | $112 | -10% |
| Biscoe | $122 | -2% |
| Black Mountain | $111 | -11% |
| Bladenboro | $143 | 15% |
| Blanch | $132 | 6% |
| Blounts Creek | $131 | 5% |
| Blowing Rock | $115 | -7% |
| Bogue | $111 | -11% |
| Boiling Spring Lakes | $116 | -7% |
| Boiling Springs | $129 | 4% |
| Bolivia | $126 | 1% |
| Bolton | $130 | 5% |
| Bonlee | $125 | 1% |
| Boomer | $123 | -2% |
| Boone | $117 | -6% |
| Boonville | $121 | -3% |
| Bostic | $117 | -6% |
| Bowmore | $138 | 11% |
| Brasstown | $111 | -11% |
| Brevard | $110 | -12% |
| Bridgeton | $116 | -7% |
| Broad Creek | $111 | -11% |
| Broadway | $127 | 2% |
| Brogden | $127 | 2% |
| Browns Summit | $121 | -3% |
| Brunswick | $142 | 14% |
| Bryson City | $109 | -12% |
| Buies Creek | $127 | 2% |
| Bullock | $130 | 5% |
| Bunn | $130 | 4% |
| Bunnlevel | $139 | 12% |
| Burgaw | $130 | 5% |
| Burlington | $121 | -3% |
| Burnsville | $115 | -7% |
| Butner | $131 | 5% |
| Buxton | $118 | -5% |
| Bynum | $124 | 0% |
| Calabash | $108 | -14% |
| Calypso | $130 | 4% |
| Camden | $116 | -7% |
| Cameron | $128 | 2% |
| Camp Lejeune | $123 | -1% |
| Candler | $110 | -12% |
| Candor | $123 | -1% |
| Canton | $109 | -12% |
| Cape Carteret | $111 | -11% |
| Caroleen | $120 | -3% |
| Carolina Beach | $117 | -6% |
| Carolina Shores | $108 | -14% |
| Carrboro | $108 | -13% |
| Carthage | $120 | -3% |
| Cary | $112 | -10% |
| Casar | $130 | 4% |
| Cashiers | $111 | -11% |
| Castalia | $131 | 5% |
| Castle Hayne | $128 | 3% |
| Caswell Beach | $115 | -8% |
| Catawba | $120 | -3% |
| Cedar Falls | $124 | 0% |
| Cedar Grove | $121 | -3% |
| Cedar Island | $120 | -4% |
| Cedar Mountain | $115 | -8% |
| Cedar Point | $111 | -11% |
| Cerro Gordo | $144 | 16% |
| Chadbourn | $144 | 15% |
| Chapel Hill | $107 | -14% |
| Charlotte | $140 | 13% |
| Cherokee | $110 | -12% |
| Cherry Point | $111 | -11% |
| Cherryville | $130 | 4% |
| China Grove | $127 | 2% |
| Chinquapin | $129 | 4% |
| Chocowinity | $129 | 3% |
| Claremont | $121 | -3% |
| Clarendon | $143 | 15% |
| Clarkton | $144 | 16% |
| Clayton | $129 | 4% |
| Clemmons | $114 | -8% |
| Cleveland | $126 | 2% |
| Cliffside | $129 | 4% |
| Climax | $120 | -4% |
| Clinton | $134 | 8% |
| Clyde | $109 | -12% |
| Coats | $127 | 2% |
| Cofield | $130 | 5% |
| Coinjock | $120 | -4% |
| Colerain | $131 | 5% |
| Colfax | $115 | -8% |
| Collettsville | $116 | -7% |
| Columbia | $130 | 5% |
| Columbus | $115 | -7% |
| Comfort | $133 | 7% |
| Como | $132 | 6% |
| Concord | $130 | 4% |
| Conetoe | $131 | 5% |
| Connelly Springs | $121 | -3% |
| Conover | $121 | -3% |
| Conway | $131 | 5% |
| Cooleemee | $115 | -8% |
| Corapeake | $132 | 6% |
| Cordova | $136 | 9% |
| Cornelius | $123 | -1% |
| Corolla | $114 | -8% |
| Council | $145 | 16% |
| Cove City | $128 | 3% |
| Cove Creek | $116 | -7% |
| Cramerton | $134 | 8% |
| Creedmoor | $131 | 5% |
| Creston | $117 | -6% |
| Creswell | $131 | 5% |
| Cricket | $122 | -2% |
| Crossnore | $119 | -4% |
| Crouse | $129 | 4% |
| Crumpler | $116 | -7% |
| Culberson | $116 | -7% |
| Cullowhee | $110 | -12% |
| Cumberland | $140 | 12% |
| Cumnock | $129 | 4% |
| Currie | $135 | 9% |
| Currituck | $119 | -4% |
| Dallas | $142 | 14% |
| Dana | $111 | -11% |
| Danbury | $122 | -2% |
| Davidson | $123 | -1% |
| Davis | $111 | -11% |
| Deep Gap | $117 | -6% |
| Deep Run | $130 | 4% |
| Delco | $130 | 5% |
| Denton | $121 | -3% |
| Denver | $121 | -3% |
| Dillsboro | $115 | -7% |
| Dobbins Heights | $136 | 9% |
| Dobson | $121 | -3% |
| Dortches | $128 | 3% |
| Dover | $135 | 8% |
| Drexel | $120 | -4% |
| Dublin | $144 | 16% |
| Duck | $115 | -8% |
| Dudley | $127 | 2% |
| Dunn | $127 | 2% |
| Durants Neck | $129 | 3% |
| Durham | $120 | -3% |
| Eagle Springs | $122 | -2% |
| Earl | $132 | 6% |
| East Bend | $120 | -4% |
| East Flat Rock | $111 | -11% |
| East Rockingham | $136 | 9% |
| East Spencer | $127 | 2% |
| Eastover | $130 | 5% |
| Eden | $120 | -4% |
| Edenton | $129 | 4% |
| Edneyville | $111 | -11% |
| Edward | $132 | 6% |
| Efland | $121 | -3% |
| Elizabeth City | $116 | -7% |
| Elizabethtown | $143 | 15% |
| Elk Park | $116 | -7% |
| Elkin | $120 | -3% |
| Ellenboro | $117 | -6% |
| Ellerbe | $122 | -2% |
| Elm City | $134 | 8% |
| Elon | $120 | -4% |
| Elroy | $127 | 2% |
| Emerald Isle | $110 | -11% |
| Enfield | $132 | 6% |
| Engelhard | $133 | 7% |
| Enka | $115 | -8% |
| Ennice | $121 | -3% |
| Enochville | $129 | 4% |
| Ernul | $131 | 5% |
| Erwin | $127 | 2% |
| Ether | $124 | 0% |
| Etowah | $110 | -12% |
| Eure | $131 | 5% |
| Everetts | $131 | 5% |
| Evergreen | $144 | 15% |
| Fair Bluff | $144 | 15% |
| Fairfield | $134 | 8% |
| Fairfield Harbour | $111 | -11% |
| Fairmont | $140 | 13% |
| Fairplains | $122 | -2% |
| Fairview | $128 | 3% |
| Faison | $130 | 4% |
| Faith | $127 | 2% |
| Falcon | $132 | 6% |
| Fallston | $133 | 6% |
| Farmville | $135 | 8% |
| Fayetteville | $139 | 12% |
| Fearrington Village | $120 | -3% |
| Ferguson | $122 | -2% |
| Flat Rock | $113 | -9% |
| Fleetwood | $117 | -6% |
| Fletcher | $111 | -11% |
| Fontana Dam | $116 | -7% |
| Forest City | $117 | -6% |
| Forest Oaks | $136 | 9% |
| Fort Bragg | $140 | 13% |
| Fort Liberty | $142 | 14% |
| Foscoe | $116 | -7% |
| Fountain | $135 | 8% |
| Four Oaks | $129 | 3% |
| Foxfire | $121 | -3% |
| Franklin | $110 | -12% |
| Franklinton | $130 | 4% |
| Franklinville | $121 | -3% |
| Fremont | $130 | 5% |
| Frisco | $114 | -8% |
| Fruitland | $111 | -11% |
| Fuquay-Varina | $128 | 3% |
| Gamewell | $120 | -3% |
| Garland | $134 | 8% |
| Garner | $129 | 4% |
| Garysburg | $131 | 5% |
| Gaston | $131 | 5% |
| Gastonia | $139 | 12% |
| Gates | $131 | 5% |
| Gatesville | $131 | 5% |
| Germanton | $115 | -8% |
| Gerton | $116 | -7% |
| Gibson | $137 | 10% |
| Gibsonville | $120 | -3% |
| Glade Valley | $123 | -1% |
| Glen Alpine | $120 | -4% |
| Glen Raven | $121 | -3% |
| Glendale Springs | $121 | -3% |
| Glenville | $115 | -8% |
| Gloucester | $110 | -12% |
| Godwin | $131 | 5% |
| Gold Hill | $127 | 2% |
| Goldsboro | $127 | 2% |
| Goldston | $121 | -2% |
| Graham | $121 | -3% |
| Grandy | $115 | -7% |
| Granite Falls | $121 | -3% |
| Granite Quarry | $127 | 2% |
| Grantsboro | $112 | -10% |
| Grassy Creek | $116 | -7% |
| Green Level | $121 | -3% |
| Green Mountain | $116 | -7% |
| Greenevers | $134 | 8% |
| Greensboro | $130 | 4% |
| Greenville | $133 | 7% |
| Grifton | $135 | 9% |
| Grimesland | $130 | 4% |
| Grover | $129 | 4% |
| Half Moon | $119 | -5% |
| Halifax | $131 | 5% |
| Hallsboro | $143 | 15% |
| Hamilton | $131 | 5% |
| Hamlet | $136 | 9% |
| Hampstead | $117 | -6% |
| Hamptonville | $120 | -3% |
| Harbinger | $120 | -4% |
| Harkers Island | $110 | -12% |
| Harmony | $122 | -2% |
| Harrells | $134 | 8% |
| Harrellsville | $131 | 5% |
| Harrisburg | $130 | 5% |
| Hassell | $134 | 8% |
| Hatteras | $117 | -6% |
| Havelock | $111 | -11% |
| Haw River | $120 | -3% |
| Hayesville | $111 | -11% |
| Hays | $122 | -2% |
| Hazelwood | $115 | -8% |
| Henderson | $129 | 4% |
| Hendersonville | $111 | -11% |
| Henrico | $129 | 3% |
| Henrietta | $129 | 4% |
| Hertford | $129 | 4% |
| Hickory | $122 | -2% |
| Hiddenite | $122 | -2% |
| High Point | $127 | 2% |
| Highfalls | $125 | 1% |
| Highlands | $110 | -12% |
| Hildebran | $121 | -3% |
| Hillsborough | $121 | -3% |
| Hobbsville | $131 | 5% |
| Hobgood | $132 | 6% |
| Hobucken | $132 | 6% |
| Hoffman | $139 | 11% |
| Holden Beach | $125 | 1% |
| Hollister | $130 | 5% |
| Holly Ridge | $110 | -11% |
| Holly Springs | $113 | -10% |
| Hookerton | $135 | 8% |
| Hope Mills | $139 | 12% |
| Horse Shoe | $110 | -11% |
| Hot Springs | $111 | -11% |
| Hubert | $112 | -10% |
| Hudson | $120 | -4% |
| Huntersville | $123 | -1% |
| Hurdle Mills | $130 | 4% |
| Icard | $121 | -3% |
| Indian Trail | $135 | 9% |
| Iron Station | $129 | 4% |
| Ivanhoe | $130 | 5% |
| Jaars | $125 | 1% |
| Jackson | $131 | 5% |
| Jackson Heights | $127 | 2% |
| Jackson Springs | $125 | 0% |
| Jacksonville | $119 | -4% |
| James City | $111 | -11% |
| Jamestown | $116 | -7% |
| Jamesville | $131 | 5% |
| Jarvisburg | $116 | -7% |
| Jefferson | $116 | -7% |
| Jonas Ridge | $120 | -3% |
| Jonesville | $120 | -3% |
| Julian | $120 | -4% |
| Kannapolis | $129 | 4% |
| Keener | $134 | 8% |
| Kelford | $133 | 7% |
| Kelly | $136 | 9% |
| Kenansville | $129 | 4% |
| Kenly | $130 | 4% |
| Kernersville | $115 | -8% |
| Kill Devil Hills | $115 | -7% |
| King | $114 | -8% |
| Kings Grant | $115 | -8% |
| Kings Mountain | $130 | 4% |
| Kingstown | $129 | 4% |
| Kinston | $128 | 3% |
| Kipling | $131 | 5% |
| Kittrell | $130 | 4% |
| Kitty Hawk | $115 | -8% |
| Knightdale | $139 | 12% |
| Knotts Island | $117 | -6% |
| Kure Beach | $117 | -6% |
| La Grange | $128 | 3% |
| Lake Junaluska | $109 | -13% |
| Lake Lure | $116 | -7% |
| Lake Norman of Catawba | $121 | -3% |
| Lake Park | $132 | 6% |
| Lake Royale | $130 | 4% |
| Lake Toxaway | $110 | -11% |
| Lake Waccamaw | $129 | 4% |
| Lakeview | $123 | -1% |
| Landis | $128 | 3% |
| Lansing | $116 | -7% |
| Lattimore | $132 | 6% |
| Laurel Hill | $137 | 10% |
| Laurel Park | $110 | -11% |
| Laurel Springs | $123 | -1% |
| Laurinburg | $137 | 10% |
| Lawndale | $130 | 4% |
| Lawsonville | $122 | -2% |
| Leasburg | $133 | 7% |
| Leicester | $110 | -11% |
| Leland | $127 | 2% |
| Lemon Springs | $130 | 4% |
| Lenoir | $120 | -3% |
| Lewiston Woodville | $133 | 7% |
| Lewisville | $114 | -8% |
| Lexington | $118 | -5% |
| Liberty | $121 | -3% |
| Light Oak | $129 | 4% |
| Lilesville | $138 | 11% |
| Lillington | $127 | 2% |
| Lincolnton | $130 | 4% |
| Linden | $130 | 5% |
| Linville Falls | $121 | -3% |
| Linwood | $127 | 2% |
| Little Switzerland | $120 | -3% |
| Littleton | $130 | 4% |
| Locust | $121 | -3% |
| Long View | $122 | -2% |
| Longwood | $129 | 4% |
| Louisburg | $130 | 4% |
| Lowell | $134 | 8% |
| Lowesville | $121 | -2% |
| Lowgap | $120 | -3% |
| Lowland | $132 | 6% |
| Lucama | $129 | 4% |
| Lumber Bridge | $140 | 12% |
| Lumberton | $140 | 13% |
| Lynn | $120 | -4% |
| MacClesfield | $129 | 4% |
| Macon | $131 | 5% |
| Madison | $120 | -3% |
| Maggie Valley | $109 | -12% |
| Magnolia | $131 | 5% |
| Maiden | $121 | -3% |
| Mamers | $127 | 2% |
| Manns Harbor | $116 | -7% |
| Manson | $131 | 5% |
| Manteo | $115 | -7% |
| Maple | $120 | -4% |
| Maple Hill | $132 | 6% |
| Mar-Mac | $127 | 2% |
| Marble | $111 | -11% |
| Margarettsville | $131 | 5% |
| Marietta | $142 | 14% |
| Marion | $115 | -7% |
| Mars Hill | $110 | -12% |
| Marshall | $110 | -11% |
| Marshallberg | $114 | -8% |
| Marshville | $140 | 12% |
| Marston | $139 | 12% |
| Marvin | $126 | 1% |
| Matthews | $132 | 6% |
| Maury | $135 | 8% |
| Maxton | $138 | 11% |
| Mayodan | $121 | -3% |
| Maysville | $113 | -9% |
| Mc Farlan | $141 | 14% |
| Mc Grady | $125 | 1% |
| McAdenville | $134 | 7% |
| McLeansville | $121 | -3% |
| Mccutcheon Field | $125 | 1% |
| Mebane | $121 | -3% |
| Merritt | $111 | -10% |
| Merry Hill | $131 | 6% |
| Micaville | $119 | -4% |
| Middlesex | $130 | 4% |
| Midland | $130 | 4% |
| Midway | $119 | -4% |
| Midway Park | $121 | -3% |
| Mill Spring | $116 | -7% |
| Millers Creek | $122 | -2% |
| Mills River | $111 | -11% |
| Milton | $131 | 6% |
| Mineral Springs | $126 | 1% |
| Mint Hill | $135 | 9% |
| Misenheimer | $120 | -4% |
| Mocksville | $113 | -9% |
| Moncure | $121 | -3% |
| Monroe | $140 | 13% |
| Montreat | $115 | -8% |
| Mooresboro | $129 | 4% |
| Mooresville | $122 | -2% |
| Moravian Falls | $122 | -2% |
| Morehead City | $111 | -11% |
| Morganton | $120 | -3% |
| Morrisville | $112 | -10% |
| Morven | $138 | 11% |
| Mount Airy | $120 | -3% |
| Mount Gilead | $122 | -2% |
| Mount Holly | $134 | 8% |
| Mount Mourne | $127 | 2% |
| Mount Olive | $129 | 4% |
| Mount Pleasant | $121 | -3% |
| Mount Ulla | $130 | 4% |
| Mountain Home | $110 | -11% |
| Mountain View | $122 | -2% |
| Moyock | $116 | -7% |
| Mulberry | $122 | -2% |
| Murfreesboro | $130 | 4% |
| Murphy | $111 | -11% |
| Murraysville | $115 | -8% |
| Myrtle Grove | $115 | -8% |
| Nags Head | $115 | -7% |
| Nakina | $143 | 15% |
| Naples | $115 | -8% |
| Nashville | $128 | 3% |
| Nebo | $116 | -7% |
| Neuse Forest | $111 | -11% |
| New Bern | $111 | -10% |
| New Hill | $121 | -3% |
| New London | $120 | -4% |
| Newell | $161 | 29% |
| Newland | $115 | -7% |
| Newport | $111 | -11% |
| Newton | $122 | -2% |
| Newton Grove | $135 | 8% |
| Norlina | $130 | 5% |
| Norman | $127 | 2% |
| North Topsail Beach | $110 | -11% |
| North Wilkesboro | $122 | -2% |
| Northchase | $115 | -7% |
| Northlakes | $122 | -2% |
| Norwood | $120 | -3% |
| Oak City | $132 | 6% |
| Oak Island | $115 | -8% |
| Oak Ridge | $116 | -7% |
| Oakboro | $121 | -3% |
| Ocean Isle Beach | $108 | -13% |
| Ocracoke | $116 | -7% |
| Ogden | $115 | -8% |
| Old Fort | $110 | -11% |
| Olin | $122 | -2% |
| Olivia | $129 | 4% |
| Oriental | $111 | -11% |
| Orrum | $141 | 13% |
| Otto | $110 | -11% |
| Oxford | $129 | 4% |
| Pantego | $132 | 6% |
| Parkton | $140 | 12% |
| Parmele | $132 | 6% |
| Patterson Springs | $129 | 4% |
| Paw Creek | $140 | 12% |
| Peachland | $140 | 12% |
| Pelham | $130 | 5% |
| Pembroke | $140 | 12% |
| Pendleton | $131 | 5% |
| Penland | $119 | -4% |
| Penrose | $110 | -12% |
| Pfafftown | $114 | -8% |
| Pikeville | $127 | 2% |
| Pilot Mountain | $120 | -4% |
| Pine Hall | $121 | -3% |
| Pine Knoll Shores | $110 | -11% |
| Pinebluff | $120 | -3% |
| Pinehurst | $119 | -4% |
| Pineola | $120 | -3% |
| Pinetops | $134 | 8% |
| Pinetown | $131 | 5% |
| Pineville | $134 | 8% |
| Piney Creek | $121 | -2% |
| Piney Green | $119 | -5% |
| Pink Hill | $129 | 4% |
| Pinnacle | $120 | -3% |
| Pisgah Forest | $110 | -12% |
| Pittsboro | $120 | -3% |
| Plain View | $127 | 2% |
| Pleasant Garden | $120 | -4% |
| Pleasant Hill | $125 | 1% |
| Plymouth | $130 | 4% |
| Point Harbor | $119 | -4% |
| Polkton | $139 | 12% |
| Polkville | $133 | 7% |
| Pollocksville | $129 | 4% |
| Pope Army Airfield | $141 | 13% |
| Poplar Branch | $119 | -4% |
| Porters Neck | $115 | -8% |
| Potecasi | $134 | 7% |
| Powells Point | $116 | -7% |
| Powellsville | $133 | 7% |
| Princeton | $128 | 3% |
| Princeville | $129 | 3% |
| Proctorville | $143 | 15% |
| Prospect Hill | $131 | 5% |
| Providence | $130 | 4% |
| Pumpkin Center | $119 | -4% |
| Purlear | $122 | -2% |
| Raeford | $139 | 11% |
| Raleigh | $125 | 1% |
| Ramseur | $122 | -2% |
| Randleman | $120 | -4% |
| Ranlo | $143 | 15% |
| Red Oak | $129 | 4% |
| Red Springs | $140 | 13% |
| Reidsville | $121 | -3% |
| Rennert | $140 | 13% |
| Research Triangle Park | $116 | -7% |
| Rex | $142 | 14% |
| Rhodhiss | $125 | 0% |
| Rich Square | $131 | 6% |
| Richfield | $120 | -3% |
| Richlands | $121 | -3% |
| Ridgecrest | $116 | -7% |
| Ridgeway | $131 | 5% |
| Riegelwood | $130 | 5% |
| River Bend | $111 | -11% |
| River Road | $129 | 3% |
| Roanoke Rapids | $129 | 4% |
| Roaring Gap | $127 | 2% |
| Roaring River | $123 | -1% |
| Robbins | $121 | -3% |
| Robbinsville | $111 | -11% |
| Robersonville | $129 | 4% |
| Rockfish | $139 | 12% |
| Rockingham | $136 | 9% |
| Rockwell | $127 | 2% |
| Rocky Mount | $128 | 3% |
| Rocky Point | $135 | 9% |
| Rodanthe | $120 | -3% |
| Roduco | $133 | 7% |
| Rolesville | $125 | 0% |
| Ronda | $121 | -3% |
| Roper | $130 | 5% |
| Rose Hill | $134 | 8% |
| Roseboro | $134 | 8% |
| Rosman | $115 | -8% |
| Rougemont | $130 | 4% |
| Rowland | $142 | 14% |
| Roxboro | $129 | 4% |
| Roxobel | $133 | 7% |
| Royal Pines | $111 | -11% |
| Ruffin | $131 | 5% |
| Rural Hall | $114 | -8% |
| Rutherford College | $119 | -4% |
| Rutherfordton | $117 | -6% |
| Salem | $120 | -3% |
| Salemburg | $134 | 8% |
| Salisbury | $127 | 2% |
| Salter Path | $110 | -12% |
| Saluda | $115 | -8% |
| Salvo | $120 | -3% |
| Sandy Ridge | $121 | -2% |
| Sanford | $126 | 2% |
| Sapphire | $115 | -7% |
| Sawmills | $120 | -4% |
| Saxapahaw | $124 | 0% |
| Scaly Mountain | $115 | -8% |
| Scotland Neck | $131 | 5% |
| Scotts | $124 | 0% |
| Scottville | $125 | 1% |
| Scranton | $133 | 7% |
| Sea Breeze | $115 | -8% |
| Seaboard | $130 | 5% |
| Seagrove | $121 | -3% |
| Sealevel | $115 | -7% |
| Sedalia | $124 | 0% |
| Selma | $129 | 3% |
| Semora | $130 | 5% |
| Seven Devils | $116 | -7% |
| Seven Lakes | $119 | -4% |
| Seven Springs | $131 | 5% |
| Severn | $132 | 6% |
| Shallotte | $126 | 1% |
| Shannon | $140 | 12% |
| Sharpsburg | $128 | 3% |
| Shawboro | $116 | -7% |
| Shelby | $129 | 4% |
| Sherrills Ford | $121 | -3% |
| Shiloh | $117 | -6% |
| Siler City | $122 | -2% |
| Siloam | $122 | -2% |
| Silver City | $139 | 11% |
| Silver Lake | $115 | -8% |
| Simpson | $131 | 6% |
| Sims | $129 | 3% |
| Skippers Corner | $128 | 3% |
| Skyland | $116 | -6% |
| Smithfield | $128 | 3% |
| Smyrna | $111 | -11% |
| Sneads Ferry | $110 | -11% |
| Snow Camp | $121 | -2% |
| Snow Hill | $135 | 8% |
| Sophia | $119 | -4% |
| South Henderson | $130 | 4% |
| South Mills | $117 | -6% |
| South Rosemary | $129 | 4% |
| Southern Pines | $120 | -4% |
| Southern Shores | $115 | -8% |
| Southmont | $118 | -5% |
| Southport | $116 | -7% |
| Sparta | $120 | -4% |
| Speed | $134 | 7% |
| Spencer | $128 | 3% |
| Spindale | $116 | -7% |
| Spring Hope | $129 | 3% |
| Spring Lake | $139 | 12% |
| Spruce Pine | $115 | -8% |
| St. Helena | $130 | 5% |
| St. James | $116 | -7% |
| St. Pauls | $140 | 12% |
| St. Stephens | $122 | -2% |
| Stacy | $115 | -8% |
| Staley | $122 | -2% |
| Stallings | $132 | 6% |
| Stanfield | $121 | -3% |
| Stanley | $122 | -2% |
| Stantonsburg | $135 | 9% |
| Star | $121 | -3% |
| State Road | $121 | -3% |
| Statesville | $120 | -3% |
| Stedman | $130 | 4% |
| Stella | $111 | -10% |
| Stem | $130 | 5% |
| Stokes | $130 | 5% |
| Stokesdale | $121 | -3% |
| Stoneville | $121 | -3% |
| Stony Point | $120 | -4% |
| Stovall | $132 | 6% |
| Stumpy Point | $120 | -3% |
| Sugar Grove | $120 | -4% |
| Sugar Mountain | $116 | -7% |
| Summerfield | $116 | -7% |
| Sunbury | $132 | 6% |
| Sunset Beach | $108 | -13% |
| Supply | $125 | 1% |
| Surf City | $111 | -11% |
| Swannanoa | $110 | -11% |
| Swanquarter | $131 | 5% |
| Swansboro | $110 | -11% |
| Swepsonville | $125 | 0% |
| Sylva | $110 | -12% |
| Tabor City | $143 | 15% |
| Tar Heel | $143 | 15% |
| Tarawa Terrace | $123 | -1% |
| Tarboro | $129 | 3% |
| Taylorsville | $120 | -3% |
| Teachey | $129 | 4% |
| Terrell | $121 | -3% |
| Thomasville | $119 | -4% |
| Thurmond | $121 | -3% |
| Tillery | $133 | 7% |
| Timberlake | $129 | 4% |
| Toast | $120 | -3% |
| Tobaccoville | $114 | -8% |
| Todd | $119 | -4% |
| Topsail Beach | $111 | -11% |
| Topton | $111 | -11% |
| Traphill | $122 | -2% |
| Trent Woods | $111 | -11% |
| Trenton | $130 | 5% |
| Trinity | $119 | -4% |
| Troutman | $120 | -3% |
| Troy | $121 | -3% |
| Tryon | $116 | -7% |
| Tuckasegee | $110 | -11% |
| Turkey | $135 | 8% |
| Tuxedo | $115 | -8% |
| Tyner | $130 | 5% |
| Tyro | $118 | -5% |
| Union Grove | $122 | -2% |
| Union Mills | $117 | -6% |
| Unionville | $140 | 13% |
| Valdese | $119 | -4% |
| Vale | $129 | 4% |
| Valle Crucis | $116 | -7% |
| Valley Hill | $110 | -11% |
| Vanceboro | $132 | 6% |
| Vandemere | $131 | 5% |
| Vass | $120 | -3% |
| Vaughan | $132 | 6% |
| Vilas | $115 | -7% |
| Waco | $133 | 7% |
| Wade | $133 | 7% |
| Wadesboro | $137 | 10% |
| Wagram | $138 | 11% |
| Wake Forest | $121 | -3% |
| Walkertown | $115 | -7% |
| Wallace | $129 | 3% |
| Wallburg | $120 | -4% |
| Walnut Cove | $121 | -3% |
| Walstonburg | $136 | 9% |
| Wanchese | $117 | -6% |
| Warne | $116 | -7% |
| Warrensville | $115 | -7% |
| Warrenton | $131 | 5% |
| Warsaw | $130 | 5% |
| Washington | $129 | 3% |
| Waves | $120 | -3% |
| Waxhaw | $126 | 1% |
| Waynesville | $109 | -12% |
| Weaverville | $110 | -12% |
| Weddington | $129 | 3% |
| Welcome | $118 | -5% |
| Weldon | $130 | 4% |
| Wendell | $129 | 3% |
| Wentworth | $121 | -3% |
| Wesley Chapel | $133 | 7% |
| West Canton | $109 | -12% |
| West End | $119 | -4% |
| West Jefferson | $116 | -7% |
| West Marion | $115 | -7% |
| Westfield | $122 | -2% |
| Westport | $121 | -3% |
| Whispering Pines | $120 | -3% |
| Whitakers | $131 | 5% |
| White Lake | $143 | 15% |
| White Oak | $144 | 15% |
| White Plains | $120 | -3% |
| Whiteville | $143 | 15% |
| Whitsett | $120 | -3% |
| Whittier | $110 | -12% |
| Wilkesboro | $122 | -2% |
| Willard | $130 | 4% |
| Williamston | $129 | 3% |
| Williston | $116 | -7% |
| Willow Spring | $129 | 4% |
| Wilmington | $116 | -7% |
| Wilson | $136 | 9% |
| Wilsons Mills | $130 | 5% |
| Windsor | $131 | 5% |
| Winfall | $130 | 4% |
| Wingate | $139 | 12% |
| Winnabow | $126 | 2% |
| Winston-Salem | $118 | -5% |
| Winterville | $133 | 7% |
| Winton | $130 | 5% |
| Wise | $132 | 6% |
| Woodfin | $110 | -11% |
| Woodland | $131 | 5% |
| Woodlawn | $121 | -3% |
| Woodleaf | $127 | 2% |
| Wrightsboro | $123 | -1% |
| Wrightsville Beach | $118 | -5% |
| Yadkinville | $120 | -4% |
| Yanceyville | $130 | 4% |
| Youngsville | $130 | 4% |
| Zebulon | $128 | 3% |
| Zionville | $117 | -6% |
| Zirconia | $110 | -11% |
The average cost of car insurance in North Carolina’s largest cities:
- Charlotte, $140 per month
- Durham, $120 per month
- Fayetteville, $139 per month
- Greensboro, $130 per month
- Raleigh, $125 per month
- Winston-Salem, $118 per month
Minimum coverage for car insurance in North Carolina
North Carolina requires you to have car insurance with liability and uninsured motorist coverage to register your vehicle. The state’s minimum car insurance requirements include:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $50,000
- Uninsured/underinsured motorist bodily injury: $50,000 per person, $100,000 per accident
- Uninsured/underinsured motorist property damage: $50,000
Bodily injury and property damage liability cover injuries and damage you cause to other people and their property, including their vehicles.
Uninsured motorist covers you and your passengers for injuries caused by a driver with no car insurance. Underinsured motorist coverage protects you from drivers who have insurance, but not enough to cover your damages.
Full coverage in North Carolina
North Carolina state law doesn’t require you to get full coverage, which usually includes collision or comprehensive coverages along with liability. However, you often need both for a car loan or lease.
The two coverage types combine to cover your own car for damage and theft. This makes them worth getting for any car worth more than a few thousand dollars.
Frequently asked questions
Car insurance in North Carolina costs $60 a month, on average, if you only buy liability coverage. If you buy full coverage, the state’s average cost is $124 a month.
Progressive has North Carolina’s cheapest car insurance for drivers who want full coverage, at an average rate of $70 a month. State Farm has the state’s cheapest liability car insurance, at $41 a month.
Progressive is also the cheapest company for adult drivers with a ticket, accident or DWI on their records. It’s the cheapest for those with poor credit, too, and for teen drivers who want liability coverage. State Farm is also the cheapest for teens with a ticket or accident.
Yes, car insurance is cheaper in North Carolina than it is in most other states.
North Carolina’s car insurance rates are 30% less than the national average for full coverage. That’s a difference of around $50 per month.
For liability coverage, North Carolina is 12% cheaper than the national average. The difference here is about $8 per month.
How we selected the cheapest car insurance companies in North Carolina
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a full coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2018 Honda CR-V EX.
Coverage limits
Minimum liability policies provide liability coverage with the state’s required minimum limits.
Full coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $50,000
- Uninsured/underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured/underinsured motorist property damage: $50,000
- Collision: $500 deductible
- Comprehensive: $500 deductible
How we evaluated car insurance companies in North Carolina
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from AM Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.