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
North Carolina homeowners face hurricane risk along the coast, severe thunderstorms and tornadoes in the Piedmont, and flooding across the state. Bundling home and auto insurance is one of the most effective ways to offset these rising costs.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What North Carolina drivers are paying with Jerry
The easiest way to find the right car insurance is to compare quotes from multiple companies. Whether you’re putting together a new policy, matching what you already have or just looking for the cheapest car insurance in North Carolina, shopping around gives you a clearer picture.
That matters in North Carolina, where the Research Triangle, Charlotte and the coast all present different driving conditions and costs. The state’s rate bureau system also means pricing works a little differently here than in most states, which makes comparing options across carriers even more valuable. Jerry works with North Carolina drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
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 car insurance requirement in North Carolina, 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 (UM/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 bring flooding, fallen branches and debris damage, especially near the Outer Banks and along the coast. Jerry recommends keeping comprehensive coverage because that’s what pays for storm-related vehicle damage when it’s not a collision.
Deer collisions
Deer activity spikes seasonally on rural roads and darker two-lane highways outside the metros, and impacts can be costly. Comprehensive coverage typically pays for animal collisions, so it’s worth keeping if your driving isn’t mostly city streets.
Urban congestion and theft
Charlotte, Raleigh and the Triangle see heavier traffic plus more parking-lot and street-parking exposure, which drives up claims. Consider carrying collision coverage so your repairs don’t depend on a fault decision, and keep comprehensive for theft and vandalism. A telematics program can also turn your safer habits into a lower rate.
Safe Driver Incentive Plan (SDIP)
North Carolina’s SDIP point system can raise your rates sharply after violations or at-fault crashes, and the impact can last for years. Keeping a clean record matters more here than in most states, so drive carefully and contest any points you believe were assigned unfairly.
Mountain driving and sudden weather shifts
Western North Carolina routes mean steep grades, tight curves and conditions that can change fast. Collision coverage is what pays for your car after a crash on these roads, and solid liability limits matter more when mountain accidents tend to be more severe.
Flash flooding
Even away from the coast, intense downpours can flood underpasses and wash out shoulders with little warning. Comprehensive coverage covers flood damage, which is important as one bad crossing can turn into a total loss fast.
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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|---|
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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.