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 $193.97 while the average American driver paid $279.50.
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 (February 2026)
4 Best Tips For Buying Cheap Car Insurance in Winston-Salem, NC
Compare 55+ insurance companies including Progressive, AAA, Travelers, Nationwide (and more!) to find the best and cheapest car insurance in Winston-Salem, North Carolina.
How to Find the Cheapest Car Insurance in North Carolina
Compare quotes from 50+ insurers to find the cheapest car insurance in North Carolina.
4 Best Tips For Buying Cheap Car Insurance in Raleigh, NC
Drivers in Raleigh pay $41/mo for minimum coverage and $113/mo for full. Shopping for car insurance can help you find cheaper rates.
4 Best Tips For Buying Cheap Car Insurance in Charlotte, NC
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.
4 Best Tips For Buying Cheap Car Insurance in Greensboro, NC
Greensboro drivers can find affordable car insurance coverage by rate shopping with multiple insurers.
4 Best Tips For Buying Cheap Car Insurance in Durham, NC
Durham drivers can find affordable car insurance coverage by comparing quotes from multiple providers.
4 Best Tips For Buying Cheap Car Insurance in Wilmington, NC
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Wilmington, North Carolina.
4 Best Tips For Buying Cheap Car Insurance in Fayetteville, NC
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Fayetteville, North Carolina
Jerry finds quotes from 50 insurance partners fast.
Check out recent quotes Jerry customers have gotten for car insurance in North Carolina.
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Date of Quote
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Insurance Company
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Monthly Quote
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Date of Quote
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Insurance Company
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Monthly Quote
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| 01/26/26 | $57 | |
| 01/26/26 | $630 | |
| 01/26/26 | $109 | |
| 01/26/26 | $113 | |
| 01/26/26 | $150 |
Last Updated January 2026
North Carolina car insurance companies
Annie Millerbernd, Feb 13, 2025
Auto-Owners Auto Insurance Review 2026
Auto-Owners car insurance review Jerry rates Auto-Owners 4.9 stars out of 5. This score is higher than many other insurers that Jerry rates and takes into account industry ratings, consumer ratings, financial strength and national complaint data. Auto-Owners provides quality car insurance that’s worth considering if you’re in one of the 26 states where the […]
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Nationwide Auto Insurance Review 2026
Nationwide car insurance review Jerry rates Nationwide car insurance 4.7 stars out of 5. This score is higher than many other insurers that Jerry rates and takes into account the insurer’s pricing, industry ratings, consumer ratings, financial strength and national complaint data. Nationwide provides somewhat flexible car insurance, but most of its coverage options and […]
Annie Millerbernd, Jan 8, 2025
Allstate Auto Insurance Review 2026
Allstate auto insurance review Jerry rates Allstate car insurance 4.7 stars out of 5. This score is higher than many other insurers that Jerry rates and takes into account the insurer’s pricing, industry ratings, the company’s financial strength, customer ratings and national complaint data. You’re likely to find what you need with Allstate — the […]
State of North Carolina resources
