Cheap Car Insurance in North Carolina 2019

Fast, Free Auto Insurance Quotes

Finding cheap North Carolina car insurance

Looking for cheap North Carolina car insurance? Here are good ways to save money:

  • Shop around by comparing several car insurance quotes. Car insurance rates can vary by hundreds of dollars among insurers for the same kind of coverage, so shopping around can really pay off.
  • Keep a good driving record and avoid insurance claims. Accidents, tickets and claims can all lead to a rate increase at renewal time.
  • Ask your insurance agent to review all the discounts your insurer offers to make sure you're getting all possible savings.
  • Adding a young driver to your insurance policy? We have tips for getting cheap car insurance for teen drivers.
  • Raise the deductible on comprehensive and collision insurance, if you buy them.
  • Buy homeowners insurance from your auto insurance company to get a "bundling" discount.

We analyzed average insurance premiums reported by EverQuote users in North Carolina so you can see how prices compare.

Sections:

North Carolina insurance vs. the U.S. average
Average North Carolina insurance premiums by company
Insurance increases after a speeding ticket
Insurance increases after an accident
Average premiums for North Carolina cities

North Carolina insurance vs. the U.S. average

North Carolina auto insurance premiums are about the same as the nationwide average.

  • $1,603/year North Carolina average.
  • $1,684/year national average.

Average North Carolina premiums by company

Company
Click to see reviews

Average annual premium in North Carolina

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

$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

Insurance increases in North Carolina 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 Annual premium with clean driving record Annual premium with speeding ticket % increase
North Carolina $1,603 $2,088 30%
Nationwide average 26%

Insurance increases in North Carolina after an accident

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

State Annual premium with clean driving record Annual premium with a chargeable accident, no injury % increase
North Carolina $1,603 $2,268 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

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 March 6, 2019

Fast, Free Auto Insurance Quotes