Cheapest Car Insurance in North Carolina (May 2025)

Written by Ben Moore and 2 others
Updated Mar 7, 2025
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Cheapest Car Insurance in North Carolina (May 2025)

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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 $100 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.

COMPARE CHEAP CAR INSURANCE QUOTES IN NORTH CAROLINA

Cheap minimum coverage in North Carolina

Minimum coverage is the cheapest option, but won’t pay for damage to your own car.

Here are the most affordable insurers in North Carolina for minimum coverage policies, according to real quotes for Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Dairyland $117 $1,401
National General $122 $1,458
Safeco $131 $1,567
Bluefire $134 $1,605
Trexis $140 $1,682
Electric $141 $1,688
Commonwealth Insurance $153 $1,834
Assurance America $157 $1,886
Aspen $160 $1,921
Progressive $165 $1,983
Last Updated May 6, 2025

Minimum coverage requirements in North Carolina

Drivers in North Carolina must carry minimum liability and uninsured motorist coverage. These requirements are:

  • $30,000 in bodily injury liability per person.
  • $60,000 in bodily injury liability per accident.
  • $25,000 in property damage liability.
  • $30,000 in uninsured motorist per person.
  • $60,000 in uninsured motorist per accident.
  • $25,000 in uninsured motorist property damage coverage, or UMPD.

However, North Carolina’s requirements will increase this year. Starting July 1, 2025, the required limits will be:

  • $50,000 in bodily injury liability per person.
  • $100,000 in bodily injury liability per accident.
  • $25,000 in property damage liability.
  • $50,000 in UM per person.
  • $100,000 in UM per accident.
  • $25,000 in uninsured motorist property damage coverage, or UMPD.

Cheap full coverage car insurance in North Carolina

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
Electric $128 $1,530
National General $205 $2,458
Commonwealth Insurance $231 $2,769
Dairyland $231 $2,773
Progressive $256 $3,074
Safeco $274 $3,288
Trexis $284 $3,406
Assurance America $334 $4,007
Root $407 $4,878
Embark General $414 $4,966
Last Updated May 6, 2025

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 full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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. 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 $271 $3,251
21-24 $249 $2,984
Last Updated May 6, 2025

Cheap minimum coverage in North Carolina for a 20-year-old

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 $135 $1,623
National General $179 $2,150
Progressive $200 $2,399
Safeco $211 $2,537
Last Updated May 6, 2025

Cheap full coverage in North Carolina for a 20-year-old

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
Dairyland $276 $3,314
National General $295 $3,535
Progressive $396 $4,753
Safeco $686 $8,229
Last Updated May 1, 2025

Average auto insurance costs for mature drivers in North Carolina (25-54)

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 $212 $2,544
35-44 $188 $2,253
45-54 $170 $2,043
Last Updated Apr 30, 2025

Cheapest minimum coverage in North Carolina for a 35-year-old

Below are the cheapest auto insurers in North Carolina for 35-year-olds with minimum coverage.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Trexis $104 $1,245
Bluefire $111 $1,327
The General $115 $1,375
National General $115 $1,375
Assurance America $118 $1,421
Last Updated May 2, 2025

Cheapest full coverage in North Carolina for a 35-year-old

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 $178 $2,137
Dairyland $210 $2,515
Safeco $234 $2,802
Progressive $235 $2,815
Last Updated May 6, 2025

Average car insurance costs for older drivers in North Carolina (55+)

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 $167 $2,001
65+ $153 $1,841
Last Updated May 2, 2025

Cheapest minimum coverage in North Carolina for a 65-year-old

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
Last Updated Apr 30, 2025

Cheapest full coverage in North Carolina for a 65-year-old

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
Dairyland $176 $2,108
Progressive $191 $2,287
National General $191 $2,292
Last Updated May 6, 2025

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

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
Bluefire $111 $1,327
Aspire Advantage $118 $1,418
National General $153 $1,836
Assurance America $155 $1,862
Last Updated May 6, 2025

Cheapest car insurance with a speeding ticket in North Carolina

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
Electric $115 $1,380
Commonwealth Insurance $200 $2,396
National General $212 $2,549
Safeco $217 $2,606
Bristol West $218 $2,614
Last Updated May 6, 2025

Cheapest car insurance after an at-fault accident with no injury in North Carolina

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
Trexis $94 $1,128
Commonwealth Insurance $136 $1,632
Electric $174 $2,084
National General $184 $2,212
Dairyland $194 $2,328
Last Updated Apr 30, 2025

Cheapest auto insurance after an at-fault accident with injury in North Carolina

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
Assurance America $183 $2,191
National General $196 $2,355
Dairyland $206 $2,468
Last Updated May 2, 2025

Cheapest car insurance with a DUI in North Carolina

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 $156 $1,873
National General $235 $2,819
Progressive $285 $3,415
Dairyland $289 $3,473
Bristol West $317 $3,801
Last Updated May 6, 2025

Average auto insurance costs for North Carolina drivers with other violations

Below are average car insurance costs in North Carolina for other driving violations.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Careless Driving $274 $3,289
Cell Phone $254 $3,049
Defective Equipment $175 $2,106
Driving on Sus. License $227 $2,722
Eluding Police $402 $4,828
Last Updated May 6, 2025

Cheapest auto insurance for low credit scores in North Carolina

North Carolina drivers with low credit scores will likely have more expensive insurance costs than those with higher scores. 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
Commonwealth Insurance $150 $1,804
Aspire Advantage $164 $1,972
National General $182 $2,180
Dairyland $198 $2,381
Last Updated May 5, 2025

Learn more: How a credit-based insurance score works

How to find cheap car insurance in North Carolina

Compare 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.
Compare car insurance quotes with Jerry.

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.

MEET OUR EXPERTS
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Ben Moore

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.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.