Cheap Car Insurance in North Carolina 2019

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Cheapest auto insurance companies in North Carolina

Average North Carolina car insurance premiums by company

Company
Click to see reviews

Average annual premium

The Hartford

$1,335

Erie Insurance

$1,435

Travelers Insurance

$1,442

Farm Bureau

$1,473

Liberty Mutual

$1,494

State Farm

$1,534

Nationwide Insurance

$1,553

Geico

$1,556

American National

$1,560

GMAC Insurance

$1,575

Auto-Owners Insurance

$1,590

Allstate

$1,598

Safeco

$1,601

Progressive Insurance

$1,618

USAA (must have a military affiliation to apply)

$1,620

MetLife Auto

$1,640

Esurance

$1,641

AAA Insurance/Auto Club

$1,660

Amica

$1,715

National General

$1,858

The General

$1,898

Dairyland Insurance

$1,970


Average auto insurance premiums in North Carolina

Insurance increase after a speeding ticket

North Carolina drivers who get a speeding ticket end up paying an average insurance increase of 30%, more than the nationwide average increase.

State Clean driving record Speeding ticket % increase
North Carolina $1,603/year $2,088/year 30%
Nationwide average 26%

Insurance increase after an accident

North Carolina drivers who cause an accident get an average insurance increase of 41%, higher than the national average increase.

State Clean driving record Chargeable accident, no injury % increase
North Carolina $1,603/year $2,268/year 41%
Nationwide average 36%

Average premiums in North Carolina cities

Car owners in Wilson pay the most for auto insurance among the North Carolina cities we examined.

City

Average annual premium

Asheville

$1,436

Burlington

$1,578

Cary

$1,427

Charlotte

$1,720

Concord

$1,595

Durham

$1,576

Fayetteville

$1,746

Gastonia

$1,686

Goldsboro

$1,533

Greensboro

$1,591

Greenville

$1,662

Hickory

$1,334

High Point

$1,583

Jacksonville

$1,667

Kannapolis

$1,671

Mooresville

$1,506

Raleigh

$1,592

Rocky Mount

$1,634

Salisbury

$1,567

Wilmington

$1,474

Wilson

$1,784

Winston Salem

$1,510

Car insurance requirements in North Carolina

North Carolina requires two main types of insurance: Liability and uninsured motorist coverage. But many people need more auto insurance than what the state requires. Without proper insurance, you can face lawsuits, and your own car damage won't be covered.


Required auto insurance in North Carolina

You must show an insurance ID card (or other proof of financial responsibility) in North Carolina when:

  • You renew vehicle registration.

Penalties for not having car insurance in North Carolina

  • First offense: $50 fine and revocation of vehicle registration for 30 days.
  • Second offense within three years: $100 and registration revocation.
  • Third offense: $150 fine and registration revocation.

Source: Property Casualty Insurers Association of America

Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.

Updated Aug. 29, 2019

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