Best Auto Insurance in North Carolina for August 2025

Jerry Summary

Erie Insurance offers the best car insurance in North Carolina, according to Jerry’s editorial analysis, thanks to its strong financial strength rating and minimal customer complaints. Geico comes in second place, while Farmers earns an honorable mention due to its high customer satisfaction. You can get the best car insurance in North Carolina by comparing quotes from multiple insurance companies.

Jerry’s editorial team thoroughly evaluated 29 auto insurance companies to find the best car insurance in North Carolina. Jerry’s star ratings are based on factors like financial strength ratings, complaints to state regulators and customer satisfaction.

These are the best car insurance companies in North Carolina:

• Erie Insurance: Best car insurance overall.
• Geico: Runner-up.
• Farmers: Honorable mention.

If you need cheap car insurance in North Carolina, be sure to compare quotes from multiple insurers to get the best rate.

• Why you can trust Jerry’s editorial content

  Jerry’s editorial content is created, edited and fact-checked by licensed insurance agents, automotive professionals and experienced journalists. Facts are thoroughly researched, independently verified and routinely updated. Our editorial team is independent, meaning our content is free from partner influence. All insights drawn from Jerry’s proprietary customer auto insurance quotes data provide unique, real-world guidance.

Best auto insurance in North Carolina overall: Erie Insurance

4.9

Jerry’s Score

Our Take

Erie Insurance is one of Jerry’s top-rated insurers due to its superior financial strength rating and low number of complaints. It also ranks high in J.D. Power customer satisfaction studies. Erie’s auto policies include perks other insurers typically charge for, and there are plenty of options to customize your policy.

Why it’s the best: Erie Insurance has one of the highest star ratings — 4.9 stars — out of all North Carolina insurers Jerry analyzed. The company has a superior financial strength rating and few customer complaints, plus it ranks No. 3 out of 21 insurers in a national J.D. Power 2024 Auto Claims Satisfaction study. Erie also scored above average for overall satisfaction in the Southeast region in J.D. Power’s 2024 Auto Insurance Study.

Erie auto policies come with free perks that other insurers typically charge for, including pet injury coverage, accident forgiveness for your first at-fault crash, coverage for travel expenses like food and lodging if your vehicle is unusable after a covered claim, automatic coverage for borrowed and rented vehicles, plus roadside assistance.

North Carolina drivers can upgrade to Erie’s Auto Plus package, which includes increased coverage limits, a $10,000 death benefit, up to ten days of travel expenses coverage if your vehicle is totaled, waived deductibles in qualifying circumstances and a diminishing deductible. Drivers can also choose Erie’s Rate Lock feature, which means your premium won’t change if you file a claim, unless you make certain changes to your policy like adding a new driver.

Discounts are available for bundling policies, maintaining low mileage and insuring a vehicle with factory-installed safety features, like air bags and anti-lock brakes. If you prefer to buy a policy in-person, Erie has agents in many North Carolina cities.

Runner-up: Geico

5.0

Jerry’s Score

Our Take

Geico car insurance includes many policy discounts and is available in all 50 states. This is a solid option for good drivers seeking a stable insurer.

COMPARE QUOTES

Why it’s the best: Geico earns a 5 star Jerry rating due to its superior financial strength rating and few customer complaints. 

North Carolina drivers may get discounts for bundling policies, going five years or more with a clean driving record, being an active military member, paying their premium in full, driving a car with an anti-theft system, insuring a student with good grades or opting into Geico’s telematics program, DriveEasy.

Geico also offers a robust mobile app that lets drivers manage their policy, file and track claims, request roadside assistance and estimate vehicle repair costs.

More of the best North Carolina insurers

Below are more of the best car insurance companies in North Carolina.

4.9

Jerry’s Score

Our Take

Auto-Owners is one of Jerry’s top-rated insurers, with a reputation for affordable coverage and a wide array of customization and discount options.

4.7

Jerry’s Score

Our Take

Nationwide auto insurance rewards loyalty and good driving behavior. The insurer offers a mileage-based policy that may help those who don’t frequently travel far save on premium costs.

4.7

Jerry’s Score

Our Take

Allstate car insurance allows drivers to tailor their policies based on their needs and driving habits, however customer service scores are below average.

4.6

Jerry’s Score

Our Take

Progressive offers customizable car insurance policies with many discount opportunities. Though the insurer is ranked below average in customer satisfaction by J.D. Power, Jerry customers give Progressive high marks.

Honorable mention: Farmers

4.6

Jerry’s Score

Our Take

Farmers Insurance offers customizable policies with many discount opportunities, and Jerry customers gave it a moderately high score.

Farmers was ranked above average for overall customer satisfaction in the Southeast region, according to J.D. Power’s 2024 Auto Insurance Study. This study ranks insurance companies based on factors like cost and consumer trust. The company also has an excellent financial strength rating from AM Best and low customer complaints. 

Farmers may offer North Carolina drivers several ways to customize a policy. The provider also offers discounts for insuring multiple vehicles, bundling policies, and a discount for drivers under the age of 25 who still live at home and are the child or grandchild of a Farmers policyholder. Drivers may be eligible for additional discounts, depending on their policy.

You can get a quote online or in-person, as Farmers has agents in several North Carolina cities.

Best full coverage car insurance in North Carolina

Aspire Advantage offers the best full coverage car insurance rates in North Carolina, according to Jerry’s data analysis, with an average cost of $126 per month.

Here are more companies that offer some of the best full coverage car insurance rates.

Flexibility is an important quality in a full coverage car insurance policy. Life circumstances can change. For example, you might buy a new car, start commuting farther or add custom equipment to your vehicle. A good insurer should let you adjust your coverage limits or add optional types as needed.

Best car insurance for teen drivers in North Carolina

National General offers the best car insurance rates for teen drivers in North Carolina, according to Jerry’s data analysis, with an average cost of $193 per month.

Here are more companies that offer some of the best car insurance rates for teens.

For teen drivers, the best car insurance often comes from providers that incentivize safe and responsible driving. Discounts are commonly available for teens who excel academically, complete certified driving courses or participate in telematics programs that monitor driving behavior. A policy designed to foster good habits can help keep teens safer behind the wheel while also lowering premium costs over time.

Learn more: How much is car insurance for a 16-year-old?

Best car insurance for young drivers under 25 in North Carolina

Electric offers the best car insurance rates for young drivers in North Carolina, according to Jerry’s data analysis, with an average cost of $137 per month.

Here are more companies that offer some of the best car insurance rates for young drivers under 25.

The best car insurance for young drivers under 25 is often one that rewards safe driving, since young drivers are viewed as risky to insure. Insurance companies may offer reduced rates for maintaining a spotless driving record, taking an approved driving course or agreeing to have their driving monitored through a telematics program.

Learn more: Car insurance for college students

Best car insurance for seniors in North Carolina

National General offers the best car insurance rates for drivers over 65 in North Carolina, with an average cost of $97 per month, according to Jerry’s data analysis.

Here are more companies that offer some of the best car insurance rates for drivers over 65.

Drivers over 65 can save on car insurance by choosing coverage that reflects how they use their vehicle. If you drive only occasionally, a pay-per-mile policy could be a smart, budget-friendly choice, as you pay based on your actual mileage. Many insurance companies also reward seniors who take defensive driving courses, offering reduced rates while helping you stay safe on the road.

Learn more: Car insurance for seniors

How to get the best car insurance in North Carolina

Follow these tips to find the best car insurance in North Carolina:

1. Determine your coverage needs. Each person has a unique financial situation, so determine how much car insurance you need to protect your wallet. For example, full coverage pays for damage to your own car, up to its market value. If you drive a new vehicle, you probably need full coverage. If you lease or finance your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
2. Research insurance companies. Sites like Jerry collect customer reviews and formally review insurers so that you can check their reputations and know what to expect before buying a policy.
3. Compare quotes. Once you’ve narrowed your search to a few companies, get quotes from all of them, and be sure you use the same coverage limits when shopping. This will show you which insurer offers the cheapest car insurance for the coverage you need.

Methodology

Jerry’s team of car insurance experts has assessed more than 50 car insurers and rated dozens of them using information like their financial strength, consumer complaints, pricing and online reputation. We chose the best insurers by reviewing their star ratings, state availability, coverage customizations and discount offerings.

We regularly fact-check and update insurer reviews and ratings, and reassess our star ratings annually. This list is subject to change as insurers’ offerings and our methodology for assessing them evolve.

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS

Ben Moore

Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.

Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.

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Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

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