Cheap Car Insurance in North Carolina

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Finding cheap car insurance in North Carolina

Looking for cheap car insurance in North Carolina, it's key to compare quotes. 

Because rates can vary considerably by company, you can potentially save hundreds of dollars a year by comparison shopping. We looked at premiums reported by EverQuote users in North Carolina for large insurance companies. The prices below reflect rates for one driver with a clean record insuring one vehicle.

Company
(Click to see reviews)
Average monthly premium
Erie $105
Farm Bureau $106
Travelers $107.50
State Farm $118
Allstate $118.50
Geico $120
MetLife $120.50
Nationwide $122
Liberty Mutual $123.50
Progressive $126
USAA $127
AAA Insurance $131
Esurance $132.50
National General Insurance $146
Dairyland Insurance $157.50
Source: EverQuote. See full methodology below.


Also keep in mind that the cheapest car insurance company in North Carolina for you when you have a good driving record might not be the cheapest if you have tickets, accidents or claims. 

North Carolina car insurance rates after accidents & speeding tickets

Accidents, claims and tickets can all lead to a rate increase at renewal time. We looked at premiums reported by EverQuote users in North Carolina who had an accident or speeding ticket on their records compared to those with clean records. The average increase was at least one-third.

On driving record Average monthly premium difference vs. clean record in North Carolina
Speeding ticket 37%
Accident 33%
Source: EverQuote. See full methodology below.


Remember that just because you have a spotty driving record doesn't mean you can't potentially get a better price by shopping around.

Speeding and phone use while driving can lead to accidents, claims and tickets. Here’s a look at how much North Carolina drivers are speeding and using their phones while driving.


North Carolina car insurance rates by city

We also compiled North Carolina auto insurance rates reported by EverQuote users in the state. Drivers in Asheville reported the lowest premiums among the cities we looked at.

City Average monthly premium
Asheville $104
Cary $106
Winston Salem $110
Wilmington $112
Goldsboro $117
Concord $119.50
Greensboro $120
Raleigh $122
High Point $122
Gastonia $123
Durham $124
Greenville $125
Charlotte $129
Jacksonville $133
Fayetteville $148
Source: EverQuote. See full methodology below.

How to get cheap car insurance in North Carolina

You'll typically get the best rates by comparing prices among multiple insurance companies and keeping a clean driving record.

Also:

  • Ask your agent to review the possible car insurance discounts to make sure you're getting all possible savings.
  • Find out how much you can save by increasing the deductible on comprehensive and collision coverage, if you buy them.
  • Improve your credit. Insurers often use a credit-based insurance score when determining rates. Drivers with poor credit often pay more for car insurance.

Methodology for premium comparisons

We averaged premiums reported by EverQuote users, based on policies with bodily injury liability coverage of $100,000 in bodily injury per person and $300,000 in bodily injury per accident (known as 100/300). Rates are based on insuring single vehicles with one driver who has a good driving record and no violations. We used premiums for sedans, coupes and hatchbacks. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Updated May 30, 2018

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