Car Insurance in North Carolina
North Carolina drivers typically pay less than the national average. However, that could change after July 2025.
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Auto insurance in North Carolina
Jerry’s data shows that North Carolina drivers typically paid $180.67 while the average American driver paid $252.31.
While North Carolina drivers typically pay lower than the national average, that may change with the increase in the state-mandated minimums that came into effect July 1, 2025, which requires:
- $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.
State-mandated minimum coverage may be the most affordable car insurance policy, but it may not be the right coverage for you. Unlike liability-only insurance, a full coverage policy includes coverage for your vehicle, regardless of fault, and provides protection in the case of a natural disaster, theft or vandalism. Compare multiple car insurance quotes to see raising and lowering your limits and adding optional coverages affects your rate.
Car insurance by city in North Carolina (July 2025)
Cheapest Car Insurance in Raleigh, NC (July 2025)
Drivers in Raleigh pay $41/mo for minimum coverage and $113/mo for full. Shopping for car insurance can help you find cheaper rates.
Cheapest Car Insurance in North Carolina for July 2025
Compare quotes from 50+ insurers to find the cheapest car insurance in North Carolina.
Cheapest car insurance in Wilmington, North Carolina (July 2025)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Wilmington, North Carolina.
Cheapest car insurance in Greenville, North Carolina (July 2025)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Greenville, North Carolina.
Cheapest car insurance in Fayetteville, North Carolina (July 2025)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Fayetteville, North Carolina
Cheap Car Insurance in Charlotte, NC (July 2025)
Compare real policy quotes for drivers in Charlotte to preview your potential car insurance rate. Then, get quotes from multiple insurers to find the best one.
Cheap Car Insurance in Greensboro, NC (July 2025)
Greensboro drivers can find affordable car insurance coverage by rate shopping with multiple insurers.
Cheap Car Insurance in Durham, NC (July 2025)
Durham drivers can find affordable car insurance coverage by comparing quotes from multiple providers.
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Check out recent quotes Jerry customers have gotten for car insurance in North Carolina.
|
Date of Policy
|
Insurance Company
|
Monthly Quote
|
|---|---|---|
| July 11, 2025 | Dairyland | $76 |
| July 11, 2025 | Progressive | $93 |
| July 11, 2025 | Progressive | $209 |
| July 11, 2025 | National General | $397 |
| July 11, 2025 | Progressive | $456 |
Last Updated Jul 13, 2025
North Carolina car insurance companies
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State of North Carolina resources
