Compare car insurance quotes in North Carolina
Jerry is a free app trusted by 30,862 North Carolina drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Average North Carolina car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $153 a month for state minimum and $382 a month for full coverage. But in North Carolina, Jerry drivers pay less:
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$56 to $111 per month for state-mandated minimum coverage.
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$117 to $247 per month for full coverage.
Drivers who take a few minutes to shop around and compare coverage can often find lower rates. Over the last 12 months, Jerry has helped North Carolinians save an average of $1,230 per year on coverage just by comparing their options.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry helps you shop offers and lock in your North Carolina car insurance in under 10 minutes. It’s free, entirely online and we never sell your info or flood your phone with calls. If you’d prefer to talk to a real person, you can connect with one of our licensed agents anytime.
Of course, what you’ll pay depends on a mix of details like your driving record, the car you drive and your ZIP code. Here are some full coverage rates that Jerry drivers in North Carolina have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
One of the best ways to save on home insurance in North Carolina is by bundling your car and home insurance. On average, Jerry homeowners save up to 40% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What North Carolina drivers are paying with Jerry
Checking rates with several insurers is the simplest way to land the right coverage, whether you want to tailor a policy from scratch, mirror what you have now or just lock in the cheapest car insurance in North Carolina that you can find.
Jerry helps you compare quotes from up to 6 trusted insurers in the Tar Heel State, so you can see what’s out there and what you should be paying.
Below are some of the latest quotes Jerry has pulled for North Carolina drivers at different coverage levels, plus how much each driver saved.
Recent quotes in North Carolina
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
North Carolina car insurance coverage requirements
In order to legally operate a vehicle in North Carolina, drivers must purchase a combination of liability insurance and uninsured motorist protection. State minimum requirements include:
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$50,000 in bodily injury liability per person.
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$100,000 in bodily injury liability per accident.
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$50,000 in property damage liability.
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$50,000 in uninsured and underinsured motorist bodily injury coverage per person.
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$100,000 in uninsured and underinsured motorist bodily injury coverage per accident.
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$50,000 in uninsured motorist property damage coverage per person.
Keep in mind that this is the legal minimum, but many Jerry drivers actually choose to buy higher liability limits and coverages like comprehensive or collision insurance. Drivers should also note that nearly 12% of North Carolina drivers are uninsured or underinsured, so buying additional uninsured/underinsured motorist (UIM) coverage can also be a wise move.
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Coverage definitions
Factors affecting North Carolina car insurance rates in 2026
Coastal storms and wind damage
Tropical systems can bring flooding, fallen branches, and debris damage, especially closer to the Outer Banks and other coastal areas. Comprehensive coverage is usually the piece that helps with storm-related vehicle damage when it’s not a crash.
Deer collisions outside the metros
In rural areas and on darker two-lane roads, deer activity spikes seasonally and impacts can be costly. Animal collisions typically fall under comprehensive coverage, so it’s worth keeping if your driving isn’t mostly city streets.
Urban congestion and theft exposure
Charlotte and Raleigh see heavier traffic plus more parking-lot and street-parking exposure, which can translate into more claims. Collision coverage helps if you’re in an at-fault accident, and comprehensive can help with theft-related losses.
Safe Driver Incentive Plan
North Carolina’s SDIP point system can raise rates quickly after violations or at-fault crashes. Keeping a clean record matters more here than in many states because the pricing impact can be sharp and long-lasting.
Mountain driving and sudden weather shifts
Western routes can mean steep grades, tight curves, and quick-changing conditions that raise accident severity. Collision coverage is the main backstop for repairing your own vehicle after a crash on these roads.
Heavy rain and flash flooding risk
Even away from the coast, intense downpours can create water hazards fast, from flooded underpasses to washed-out shoulders. Comprehensive coverage typically covers flood damage, and avoiding standing water is one of the best ways to prevent an expensive total loss.
Average cost of car insurance in major North Carolina cities
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City
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Average monthly cost
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City
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Average monthly cost
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|---|---|
| $234 | |
| $189 | |
| $199 | |
| $225 | |
| $199 | |
| $208 | |
| $195 | |
| $162 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get North Carolina quotes in as little as 2 minutes.
Learn more about driving in North Carolina
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How to get a temporary license plate in North Carolina.
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What to know about gifting a car in North Carolina.
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
FAQ
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Is North Carolina an at-fault insurance state?
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What happens if I have an insurance lapse in North Carolina?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.