Jerry works with 6 different insurance companies in the Tar Heel State, and in the past year alone we’ve helped 23,974 North Carolina drivers compare competitive quotes and make the switch.

Every driver’s situation is different, but because we’ve helped thousands of NC drivers like you, we know what matters most. We can show you real choices made by real people, including how other drivers in your state are picking their car insurance coverage.

Here’s what we’ve noticed:

• Progressive is the single most-chosen insurer among Jerry customers in North Carolina.

• National General and GEICO come in second and third place, with about half of the total market share.

• The rest of our customers are spread across strong carriers like Dairyland, Safeco, among others.

All of this really drives home that there isn’t just one “best” company for every single driver. But there is a best fit for you, based on your own driving profile, coverage needs and risk tolerance.

Most popular insurers in North Carolina

Insurer	Share of Jerry drivers	Jerry customer rating
Progressive	37%	4.8
National General	35%	4.8
GEICO	17%	4.7
Dairyland	9%	5.0
Safeco	6%	5.0

Based on the most frequently chosen carriers by Jerry customers in this state. Customer rating based on average rating by Jerry customers in this state.

Quick picks: Best North Carolina car insurance by driver profile

Here are the categories we chose when selecting our best insurance companies for North Carolina drivers, and why. Use this as a starting point, then let Jerry personalize the results for your exact details.

How Jerry helps North Carolina drivers find their best insurance

Most quote sites stop at “here’s the cheapest.” Jerry goes further.

For North Carolina drivers, this is what happens when you shop with us:

• Use real data from 23,974 recent North Carolina quotes to best compare your coverage options.

• Analyze 6 top insurers against our quality criteria and your specific needs.

• Show you highly-rated options that balance coverage, claims and cost.

• Explain why each option makes sense for your situation.

• Continue monitoring market rates so you always know when it’s time to shop for better pricing.

• Handle all the paperwork — including cancellation and refund requests — and help you switch, so you never have a coverage gap.

What does that mean for NC drivers? An average annual savings of $1,020 and high satisfaction rates among drivers who switch with Jerry.

Skip the quote chaos. Answer a few quick questions and we’ll do the heavy lifting, fast.

Best car insurance for most NC drivers

North Carolina drivers have many different insurance companies to choose from when shopping for coverage through Jerry. Each carrier brings a different mix of coverages, features, benefits and pricing to the table, so customers can compare real options and land on the best balance of price and protection.

Here are some of the most recent quotes that drivers have received in the state:

Recent quotes in North Carolina

In general, good drivers in North Carolina are looking for full coverage at a fair price with strong claims support if and when they need it. For this category of drivers, three companies consistently stand out as customer favorites: Progressive, National General and GEICO. Jerry can help you compare them (and more) side-by-side in just minutes, so you can see which one truly fits your needs.

Here’s a look at what they each offer and why customers say they’re a top pick.

1. Progressive

Recent quotes for NC drivers

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.

Customer rating based on average rating by Jerry customers in this state.

• Why we recommend Progressive:

  • Strong pricing across a broad mix of drivers, including full-coverage shoppers.
  • Smooth digital experience for payments, policy changes and claims.
  • Plenty of coverage add-ons and bundling options for a more complete setup.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. National General

Recent quotes for NC drivers

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.

Customer rating based on average rating by Jerry customers in this state.

• Why we recommend National General:

  • Allstate-backed resources stand behind service and claims.
  • A+ (Superior) AM Best financial strength rating.
  • Strong specialty lineup, including RV coverage and umbrella add-ons.
  • Jerry customers most often choose National General for its competitive pricing, but also praise the carrier’s mobile app and customer service.

3. GEICO

Recent quotes for NC drivers

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.

Customer rating based on average rating by Jerry customers in this state.

• Why we recommend GEICO:

  • Convenient online and in-app quoting, policy updates and claims submission.
  • Competitive pricing for full coverage for a wide range of North Carolina drivers.
  • Snapshot® can unlock extra discounts as safe driving continues.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

Best NC car insurance for bundling home and auto

If you’re a homeowner, your insurance decisions usually shift from “cheapest” to “best fit.” Your auto policy needs to match the life you’ve built, including the property, savings and people who depend on you.

Many drivers start with bundling auto and home insurance because it’s an easy way to simplify policy management and qualify for discounts. But even without bundling, homeownership can still work in your favor. Some carriers offer homeowner-specific discounts or higher coverage limits that better reflect what you’re protecting.

In North Carolina, Jerry sees most home-owning customers choosing Progressive, National General and GEICO for their auto coverage, with or without bundling those policies. Here’s what each top carrier offers and why Jerry customers pick them most often.

1. Progressive

Recent quotes for homeowners

Based on Jerry customers with clean driving records, who own a home and found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based average rating by Jerry customers that are homeowners in the past 12 months.

• Why we recommend Progressive:

  • Experienced legal and claims teams ready for serious accidents and lawsuits.
  • High liability and umbrella coverage designed to work seamlessly alongside homeowners policies.
  • Proven expertise supporting households with higher assets, net worths, and more complex coverage requirements.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. National General

Recent quotes for homeowners

Based on Jerry customers with clean driving records, who own a home and found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based average rating by Jerry customers that are homeowners in the past 12 months.

• Why we recommend National General:

  • Competitive discounts with straightforward bundling for home and other policies.
  • Top-rated customer service when policy owners have questions or need help making policy changes.
  • A++ financial strength rating from AM Best to back consistent claims payment.
  • Jerry customers most often choose National General for its competitive pricing, but also praise the carrier’s mobile app and customer service.

3. GEICO

Recent quotes for homeowners

Based on Jerry customers with clean driving records, who own a home and found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based average rating by Jerry customers that are homeowners in the past 12 months.

• Why we recommend GEICO:

  • Multi-policy savings when you combine auto with home, renters or condo.
  • Highly rated app for payments, digital ID cards, vehicle updates and claims.
  • A++ AM Best financial strength rating for dependable claim payments.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

Best value for budget-focused NC drivers

Keeping your payment low is smart. Keeping your coverage meaningful is smarter. In North Carolina, you don’t always have to pick one or the other, but you do have to pick the right insurer. Our data show Progressive, National General and GEICO consistently perform well for drivers who want strong protection at a monthly cost that doesn’t derail the budget. That’s value, not just the cheapest insurance in North Carolina.

Over the past 12 months, Jerry has helped 8,404 North Carolina drivers find coverage under $100/month, without dropping to bare-minimum limits.

Here’s a look at what each top carrier offers and why Jerry customers say they’re a top pick.

1. Progressive

Recent price-friendly 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.

Customer rating based on average rating by Jerry customers with below-average credit profiles in the past 12 months.

• Why we recommend Progressive:

  • Lots of discount paths like multi-car, bundling, safe driver and continuous coverage.
  • Strong self-serve experience for policy changes and claims in the app.
  • Flexible coverage limits and deductibles so you can right-size cost.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. National General

Recent price-friendly 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.

Customer rating based on average rating by Jerry customers with below-average credit profiles in the past 12 months.

• Why we recommend National General:

  • Flexible coverage limits and deductible choices, so you can dial cost up or down without redesigning your whole policy.
  • Multiple ways to pay, including options that can reduce total cost versus monthly billing.
  • Discount opportunities like early quote, paperless delivery, and auto pay when you qualify.
  • Jerry customers most often choose National General for its competitive pricing, but also praise the carrier’s mobile app and customer service.

3. GEICO

Recent price-friendly 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.

Customer rating based on average rating by Jerry customers with below-average credit profiles in the past 12 months.

• Why we recommend GEICO:

  • Multi-vehicle and multi-policy discounts to stack savings.
  • Claim Forgiveness can be earned or purchased in states where available.
  • Flexible payment setup in-app with multiple payment methods and adjustable payment amounts.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

Best car insurance for NC families with teen drivers

If you’re adding a teen driver in North Carolina, brace yourself for sticker shock. Even families with strong credit, a clean claims history, and safe vehicles can see a sudden premium jump once a new driver hits the policy. What matters most is finding a carrier that prices teen risk reasonably for your household, not just accepting the default renewal. Jerry has helped 639 NC families with teen drivers save an average of $1,606 annually, most often with Progressive, National General and Safeco.

Here’s a look at what those carriers offer and why Jerry customers choose them so frequently.

1. Progressive

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend Progressive:

  • Adding a teen to a household policy usually means they share the same coverages and limits.
  • Snapshot telematics program may include an upfront participation discount, then adjust pricing at renewal.
  • Good student discount available for full-time students with a B average or better.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. National General

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend National General:

  • Ability to set different deductibles for each vehicle.
  • Discounts and monitoring available through the telematics program.
  • Many add-ons like roadside coverage.
  • Jerry customers most often choose National General for its competitive pricing, but also praise the carrier’s mobile app and customer service.

3. Safeco

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend Safeco:

  • RightTrack telematics prices off driving behavior during the program window.
  • Rental reimbursement keeps schedules moving after a covered loss.
  • Claims-free Cash Back pays money back after a claim-free term on eligible policies.
  • Aside from price, Jerry customers highly rate Safeco’s available discounts and mobile app.

Best car insurance for NC college students

When a student heads to college, insurance can get weird fast. Is the car still primarily at home, or is it now on campus? Is the student commuting, driving occasionally or taking regular trips across state lines? Those answers change what “good coverage” looks like and what you should be paying for it.

Jerry has helped 3,886 college students in North Carolina find affordable coverage that still protects them whether they’re on or off campus, driving home for the summer or something in between. National General, Progressive and GEICO are the top picks for college students buying through Jerry. Here’s what each carrier offers and why it stands out.

1. National General

Recent college driver quotes

Based on Jerry customers with clean driving records, between ages 17-24, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend National General:

  • Telematics option that can reward safer driving, which can be useful for newer drivers.
  • Defensive driving course discounts for eligible younger drivers.
  • Multi-car discount can help when a student is added to a household policy.
  • Jerry customers most often choose National General for its competitive pricing, but also praise the carrier’s mobile app and customer service.

2. Progressive

Recent college driver quotes

Based on Jerry customers with clean driving records, between ages 17-24, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend Progressive:

  • Snapshot telematics via app or plug-in device offers pricing based on driving behavior.
  • Good student discounts for full-time, under 23 and B average or better drivers.
  • Top-rated app supports policy changes, digital ID cards and claims filing.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

3. GEICO

Recent college driver quotes

Based on Jerry customers with clean driving records, between ages 17-24, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend GEICO:

  • Top-rated app for payments, ID cards and claims tracking.
  • Driver education and defensive driving discounts available.
  • Claim Forgiveness can be used by any drivers on the policy.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

Best NC car insurance for drivers with violations

If you’ve got a ticket, at-fault accident or DUI, you’ve probably already felt the insurance penalty. Insurers often treat violations as an instant high-risk label, which can drive up premiums and shrink your coverage choices. But high-risk doesn’t mean “no good options.”

Jerry has helped 1,166 North Carolina drivers with violations find coverage this past year at affordable prices, and we keep an eye on your rates so you’ll know when it makes sense to shop again after violations fall off your record and you can potentially save even more.

For many Jerry drivers with violations, the most common coverage wins come from National General, Progressive and Dairyland — carriers that tend to be more open to North Carolina drivers with dings on their record.

1. National General

Recent quotes post-violation

Based on Jerry customers with one or more accidents and violations on their records who found savings in the past 18 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers with violations in the past 12 months.

• Why we recommend National General:

  • Ticket and accident history is typically evaluated using a defined lookback window.
  • Tiered pricing approach can help place drivers into the lowest-priced tier they qualify for.
  • Claims guidance that helps drivers capture the right details after a crash.
  • Jerry customers most often choose National General for its competitive pricing, but also praise the carrier’s mobile app and customer service.

2. Progressive

Recent quotes post-violation

Based on Jerry customers with one or more accidents and violations on their records who found savings in the past 18 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers with violations in the past 12 months.

• Why we recommend Progressive:

  • Snapshot uses recent driving behavior, not just past violations.
  • Large Accident Forgiveness available after longer tenure.
  • Non-owner SR-22 option if you need proof of insurance without a car.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

3. Dairyland

Recent quotes post-violation

Based on Jerry customers with one or more accidents and violations on their records who found savings in the past 18 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers with violations in the past 12 months.

• Why we recommend Dairyland:

  • Designed for drivers with tickets, accidents, DUIs or prior insurance gaps.
  • SR-22 support when required.
  • App bill alerts that help prevent a lapse from becoming a big problem.
  • Price is the top “like” for Jerry Dairyland customers, but they also praise the carrier’s customer service and mobile app.

Car insurance options for NC military families

Whether you’re active-duty, reserve, guard or veteran, military life often means more change, different driving routines, longer storage periods and frequent state-to-state moves. Jerry has helped North Carolina military families find coverage that can handle deployments, PCS moves and everything in between.

If you qualify for military-focused insurers, they should be part of the mix. Many standard insurers also offer strong military discounts and policy flexibility, and Jerry can quote and compare them side-by-side.

Here’s how to think about your options.

Option A: Military-only insurers to check directly

There are insurers built specifically for military life, including USAA, Navy Federal, Armed Forces Insurance and similar providers.

If you qualify, put them on your shortlist. These companies are built around deployments, PCS orders and frequent moves, and they often offer storage or reduced-use options when your vehicle is parked during deployment. Their service teams also tend to know the realities of orders, pay and timelines, which can reduce friction.

Because these insurers operate a bit differently, Jerry can’t always show live quotes or internal ratings for them. If you qualify, the best way to compare is:

1. Use Jerry to price and compare standard insurers, then
2. Pull direct quotes from one or more military-only insurers.

That way, you’re comparing their offer against competitive market rates.

Option B: Standard insurers with strong military benefits (that Jerry can quote)

Beyond military-only insurers, some national carriers offer military discounts, handle deployments and cross-state moves smoothly and plug directly into Jerry’s quoting and switching experience.

For many NC military families, GEICO, State Farm and Progressive show up often.

1. GEICO

Best for: Discounts plus flexible coverage during deployments

Why it often works well for service members:

• Military discounts and options to scale coverage when driving drops.

• 24/7 support for OCONUS time zones and uneven schedules.

• App-first access to policy docs, proof of insurance, claims and quick updates.

2. State Farm

Best for: PCS moves and consistent local support

Why it often works well:

• A huge agent footprint for continuity when you move.

• Plenty of nearby agents in military-heavy areas.

• Easy bundling when you add home or condo coverage.

3. Progressive

Best for: Frequent updates and self-serve changes

Why it could be a good fit:

• Competitive rates across a wide set of situations, including movers.

• Strong digital tools for address, mileage and garaging changes.

• Add-ons like rental and roadside for support away from home.

Jerry can’t claim to “rank” USAA or Navy Federal against these carriers, but we can quickly show how GEICO, State Farm, Progressive and other standard insurers price your specific situation in North Carolina.

Best car insurance for senior drivers in North Carolina

For many North Carolina drivers over 65, the best policy is the one that feels boring in the best way: it works, it’s clear, and it’s backed by a carrier that’s easy to deal with. Jerry recommends Progressive, GEICO and National General for seniors who care about service, stability and long-term value.

In the last 12 months, we’ve helped 851 North Carolina seniors find coverage that aligns with how they drive now and the protection they want.

1. Progressive

Recent senior driver quotes

Based on Jerry customers 65+ with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers of age 65+ in the past 12 months.

• Why we recommend Progressive:

  • Roadside assistance option for towing, lockouts, flat tires and fuel delivery.
  • Defensive driving course discount in states where it applies.
  • Large Accident Forgiveness after 5 years with an accident-free and violation-free period in most states.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. GEICO

Recent senior driver quotes

Based on Jerry customers 65+ with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers of age 65+ in the past 12 months.

• Why we recommend GEICO:

  • DriveEasy includes Accident Assist, connecting you to roadside or emergency support after a detected hard brake.
  • Strong mobile app for payments, digital ID cards, roadside help and claims tracking.
  • Optional roadside assistance helps manage towing and lockout costs.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

3. National General

Recent senior driver quotes

Based on Jerry customers 65+ with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers of age 65+ in the past 12 months.

• Why we recommend National General:

  • Telematics option that can suit steady, lower-mileage driving patterns.
  • Easy resources to help retirees right-size coverage options for their changing driver needs.
  • Roadside-style add-on for towing and lockouts.
  • Jerry customers most often choose National General for its competitive pricing, but also praise the carrier’s mobile app and customer service.

How Jerry picks the best insurers in North Carolina

Most sites just sort companies by price. Jerry does more. 

No one wants to overpay for insurance, but Jerry knows that other factors matter, too. We use our own proprietary Jerry Score to grade each insurance company. Built from real North Carolina driver data, this score evaluates insurers on:

What does all of this mean for you? Jerry options are tailored to how you actually drive and what you own, so you can make the best possible and most informed decision when shopping for coverage in North Carolina.