Key Takeaways
- Dairyland, National General and Safeco offer some of the cheapest car insurance in North Carolina.
- The average cost of minimum coverage in North Carolina is around $140 per month.
- Compare quotes from multiple insurers to find cheap car insurance in North Carolina.
If you need cheap car insurance in North Carolina, consider companies like Dairyland, National General and Safeco. These providers are among the cheapest options, according to real quotes for Jerry customers.
Here are other affordable options for minimum and full coverage. Preview car insurance rates by age, driving history and credit score to determine what you could expect to pay.
To find the best car insurance in North Carolina, compare car insurance quotes from multiple insurers.
Cheap minimum coverage in North Carolina
Drivers in North Carolina who want to meet state insurance requirements without paying for added benefits can choose minimum coverage. This plan covers the damage you might cause in an accident to someone else’s property or health, but nothing beyond that. It can appeal to those who are confident behind the wheel and own vehicles with low to modest values.
Here are the most affordable insurers in North Carolina for minimum coverage policies, according to real quotes for Jerry customers. Shopping for competitive rates allows North Carolina residents to minimize their insurance expenses.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $119 | $1,426 |
| National General | $122 | $1,466 |
| Safeco | $130 | $1,558 |
| Bluefire | $134 | $1,605 |
| Electric | $134 | $1,612 |
| Trexis | $140 | $1,682 |
| Commonwealth Insurance | $153 | $1,834 |
| Assurance America | $159 | $1,909 |
| Aspen | $160 | $1,921 |
| Progressive | $169 | $2,023 |
Minimum coverage requirements in North Carolina
Drivers in North Carolina must carry minimum liability and uninsured motorist coverage. These requirements are:
- $50,000 in bodily injury liability per person.
- $100,000 in bodily injury liability per accident.
- $50,000 in property damage liability.
- $50,000 in uninsured and underinsured motorist bodily injury coverage per person.
- $100,000 in uninsured and underinsured motorist bodily injury coverage per accident.
- $50,000 in uninsured motorist property damage coverage per person.
Cheap full coverage car insurance in North Carolina
Securing affordable full coverage car insurance in North Carolina involves choosing a policy that protects both your finances and your vehicle. Full coverage typically includes liability, collision and comprehensive insurance — covering damage from car accidents, weather, vandalism and break-ins — ensuring you’re covered whether or not you’re at fault. If your car is newer or has high value, full coverage is worth the investment and often required by lenders.
Here are the most affordable insurers in North Carolina for full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $207 | $2,479 |
| Dairyland | $236 | $2,832 |
| Electric | $248 | $2,975 |
| Progressive | $259 | $3,111 |
| Safeco | $272 | $3,266 |
| Root | $303 | $3,632 |
| Clearcover | $348 | $4,180 |
| Embark General | $356 | $4,278 |
| Assurance America | $366 | $4,397 |
| Trexis | $417 | $5,007 |
Minimum vs. full coverage in North Carolina
Minimum coverage in North Carolina pays for injuries and property damage you cause in a crash. It also covers your injuries and property damage if you’re hit by an uninsured driver.
Full coverage will cover all of that, plus damage to your own car regardless of who caused the wreck. Here’s what full coverage in North Carolina typically includes:
- Liability insurance pays for injuries or property damage you cause in an accident.
- Uninsured motorist coverage pays for your own injuries or property damage if you’re hit by a driver without car insurance.
- Collision coverage pays for damage to your vehicle from an accident, regardless of who was responsible. This coverage typically has a deductible.
- Comprehensive coverage pays for vehicle damage caused by a non-collision event like weather or theft. This coverage typically has a deductible.
If you have a loan or lease on your vehicle, the lender will require
Average car insurance costs for young drivers in North Carolina
Young drivers typically pay more for car insurance than older drivers because they have less experience on the road. They are statistically more likely to be involved in accidents, prompting cautious pricing. Young drivers can save money by taking part in monitored driving programs and qualifying for academic-based discounts.
Below are the average costs of car insurance in North Carolina for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $284 | $3,411 |
| 21-24 | $251 | $3,016 |
Cheap minimum coverage in North Carolina for a 20-year-old
A 20-year-old in North Carolina could turn to liability-only insurance to keep costs down while meeting state driving laws. If they’re driving a car with little value, the savings on premiums can be significant. This approach delivers necessary protection without the extras they may not need.
Here are the most affordable insurers in North Carolina for 20-year-olds with minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $148 | $1,780 |
| National General | $185 | $2,216 |
| Safeco | $208 | $2,493 |
| Progressive | $213 | $2,553 |
Cheap full coverage in North Carolina for a 20-year-old
In North Carolina, a 20-year-old might go with full coverage to stay safe and financially protected if they drive a lot or have a high-value vehicle. The policy helps cover accident-related damage and offers reassurance in case of severe weather. It’s can be especially helpful for young drivers still working to build financial security.
These are the cheapest car insurance companies in North Carolina for 20-year-olds with full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $305 | $3,657 |
| Dairyland | $312 | $3,744 |
| Progressive | $384 | $4,610 |
| Safeco | $611 | $7,333 |
Average auto insurance costs for mature drivers in North Carolina (25-54)
North Carolina drivers with years of experience behind the wheel are often eligible for insurance savings since their proven ability to avoid accidents helps lower perceived risk. This makes them attractive to insurers seeking reliable customers.
Below are the average costs of car insurance for drivers in North Carolina between the ages of 25 and 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $214 | $2,565 |
| 35-44 | $190 | $2,285 |
| 45-54 | $173 | $2,081 |
Cheapest minimum coverage in North Carolina for a 35-year-old
A 35-year-old in North Carolina could favor liability-only coverage to avoid paying for unnecessary extras on an older vehicle. Years of incident-free driving reduce the perceived need for full protection. This choice offers a lean, efficient form of coverage and it’s suited for those who want to stay insured without stretching their budget.
Below are the cheapest auto insurers in North Carolina for 35-year-olds with minimum coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bluefire | $111 | $1,327 |
| The General | $115 | $1,375 |
| National General | $118 | $1,415 |
| Assurance America | $118 | $1,421 |
| Trexis | $123 | $1,476 |
Cheapest full coverage in North Carolina for a 35-year-old
A 35-year-old in North Carolina might go with full coverage to stay protected from weather and traffic related incidents. Commuters with newer vehicles often benefit from this extended protection and it can be a sound decision for someone who values consistency and preparedness.
Below are the cheapest auto insurers in North Carolina for 35-year-olds with full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Assurance America | $118 | $1,421 |
| National General | $183 | $2,202 |
| Dairyland | $194 | $2,323 |
| Safeco | $225 | $2,706 |
| Progressive | $238 | $2,857 |
Average car insurance costs for older drivers in North Carolina (55+)
North Carolina drivers over 55 may notice rate increases as their physical and cognitive reflexes begin to shift. Even drivers with spotless records may see premiums rise as it’s a protective measure meant to match evolving driving abilities.
Below are the average car insurance costs for drivers in North Carolina 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $163 | $1,959 |
| 65+ | $152 | $1,829 |
Cheapest minimum coverage in North Carolina for a 65-year-old
North Carolina seniors often choose liability-only policies when they drive less and own their vehicles outright. Keeping premiums low can become more important in retirement and minimal coverage still satisfies state laws and basic needs. It’s a thoughtful way to manage costs without sacrificing security.
Here are the most affordable insurers in North Carolina for 65-year-olds with minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $51 | $609 |
| Safeco | $54 | $646 |
| National General | $92 | $1,101 |
| Progressive | $100 | $1,202 |
Cheapest full coverage in North Carolina for a 65-year-old
A 65-year-old in North Dakota might choose full coverage insurance to protect against accidents and weather related hazards. Preserving financial security by avoiding surprise expenses may be a key concern as seniors age and rely on their vehicles for necessary travel and outdoor activities.
Here are the most affordable insurers in North Carolina for 65-year-olds with full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $105 | $1,256 |
| Progressive | $168 | $2,015 |
| Dairyland | $176 | $2,108 |
| National General | $191 | $2,292 |
Cheapest car insurance in North Carolina by driving history
Your driving record is a big factor in your auto insurance premium. Drivers with a clean record — like no tickets or accidents — typically pay less than those with violations like speeding tickets or at-fault accidents.
Cheap car insurance for drivers with clean records in North Carolina
North Carolina drivers with clean records often enjoy better insurance options. A clear history reflects a dedication to driving safely and this builds trust with insurers and can lead to favorable terms.
These are the cheapest car insurance companies in North Carolina for drivers with clean driving histories, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Commonwealth Insurance | $35 | $421 |
| Embark General | $84 | $1,006 |
| Bluefire | $111 | $1,327 |
| Gainsco | $127 | $1,528 |
| Assurance America | $150 | $1,802 |
Cheapest car insurance with a speeding ticket in North Carolina
A speeding ticket in North Carolina may raise your premiums or trigger a policy review since it’s seen as a red flag that you may not always follow road safety rules. Even if the infraction is minor, it’s noted during renewals.
Here are the most affordable insurers in North Carolina for those with a speeding ticket, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Anchor General | $159 | $1,909 |
| First Acceptance | $179 | $2,146 |
| Electric | $180 | $2,164 |
| Root | $211 | $2,534 |
| National General | $215 | $2,580 |
Cheapest car insurance after an at-fault accident with no injury in North Carolina
Being at fault in a no-injury accident in North Carolina still has consequences. Property damage and insurance claims are factored into your profile and insurers may adjust your policy to reflect this risk.
Below are the cheapest auto insurers in North Carolina for people with an at-fault accident with no injury on their driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Commonwealth Insurance | $136 | $1,632 |
| Electric | $174 | $2,084 |
| First Acceptance | $179 | $2,146 |
| National General | $180 | $2,154 |
| Trexis | $190 | $2,283 |
Cheapest auto insurance after an at-fault accident with injury in North Carolina
An accident with injuries in North Carolina where you’re found at fault is considered high risk. These incidents often lead to costly claims and insurance providers typically respond by raising rates or limiting options. They’re marked as serious infractions in your driving history.
Here are the most affordable insurers in North Carolina for those with an at-fault accident with injury, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Commonwealth Insurance | $155 | $1,865 |
| Aspen | $160 | $1,921 |
| National General | $200 | $2,396 |
| Assurance America | $205 | $2,457 |
| Dairyland | $211 | $2,527 |
Cheapest car insurance with a DUI in North Carolina
A DUI offense in North Carolina significantly impacts your insurance status. It suggests dangerous and unlawful behavior and insurers often respond with increased rates and fewer policy choices. This violation type can affect your record for an extended period of time.
Here are the most affordable insurers in North Carolina for those with a DUI, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $152 | $1,822 |
| National General | $234 | $2,814 |
| Dairyland | $288 | $3,460 |
| Progressive | $296 | $3,549 |
| Mendota | $372 | $4,458 |
Average auto insurance costs for North Carolina drivers with other violations
Other infractions in North Carolina, like failure to stop or improper passing, can slowly influence your risk level. Insurers view repeat offenses as signals of careless driving and these patterns may lead to more restrictive policy terms and higher prices.
Below are average car insurance costs in North Carolina for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $258 | $3,091 |
| Cell Phone | $254 | $3,049 |
| Defective Equipment | $172 | $2,060 |
| Driving on Sus. License | $220 | $2,642 |
| Eluding Police | $383 | $4,592 |
Cheapest auto insurance for low credit scores in North Carolina
North Carolina insurance providers may consider credit scores when evaluating policies. A lower score might lead to adjustments in price or coverage because it’s used as a measure of general financial behavior. This assessment helps insurers predict future claim likelihood.
Below are the most affordable insurers in North Carolina for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Gainsco | $119 | $1,426 |
| The General | $130 | $1,560 |
| Bristol West | $150 | $1,802 |
| Commonwealth Insurance | $150 | $1,804 |
| National General | $183 | $2,200 |
Learn more: How a credit-based insurance score works
How to find cheap car insurance in North Carolina
Compare car insurance quotes from multiple insurers to get the cheapest car insurance policy. Rates vary by insurer, so don’t assume your current provider is offering the lowest price.
Compare: The best car insurance companies
Try these tips to lower your car insurance premium:
- Ask your insurer about discounts.
- Install a telematics app on your phone.
- Improve your credit score.
- Pay your policy in full.
- Bundle your home and auto insurance with the same company.
Factors that affect car insurance costs in North Carolina
Insurance companies calculate rates using various factors, including your:
- Age.
- Driving history.
- Vehicle type.
- Credit score
- Claims history.
- Deductible amount.
Learn more: How car insurance rates are calculated
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
