Good news for North Carolina drivers: Jerry’s latest data shows that liability coverage in the Tar Heel State averages about $96 per month. North Carolina uses a unique safe driver insurance point system, which means even a single violation can dramatically change what you pay, but clean-record drivers often see some of the lowest rates in the country. Over the past year we’ve helped 24,115 North Carolinians lower their premiums, and those who switch with Jerry save an average of $1,355 a year without losing essential coverage.
Jerry compares quotes from up to 6 trusted insurers in North Carolina to build your policy and help you secure your best rate in minutes.
Save on North Carolina insurance with Jerry.
What North Carolina drivers are paying right now
Insurance prices in North Carolina shift based on weather patterns, population growth, claim trends and the state’s strict Safe Driver Incentive Plan (SDIP). A driver in Charlotte or Raleigh can pay considerably more than someone in a rural county even with a similar profile, simply because the risk levels differ.
Jerry tracks live quotes across the state to show you exactly what drivers are paying today. Here are recent full coverage policies purchased through Jerry and what those drivers paid.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check your rate periodically. In North Carolina, even small changes to your driving record or claim activity can shift your premium at renewal due to the state’s point system.
4 smart ways Jerry helps North Carolina drivers save on car insurance
Getting the cheapest rate isn’t just about picking the lowest number. Smart savings come from understanding how North Carolina’s system works and adjusting the right levers without giving up meaningful protection.
Jerry helps you compare real offers, uncover hidden discounts and see exactly where you can save.
Here are our top tips to help you spend less and worry less.
| How to save | Average North Carolina driver savings |
|---|---|
| Compare quotes | 32% to 64% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 13% to 71%* |
| Use telematics | 9% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
North Carolina’s auto insurance rating system is unusual. The state regulates base rates, but insurers can still vary widely based on their company-specific tiers, SDIP point weighting, surcharges and discounts. That means two drivers with identical profiles can still see dramatically different quotes depending on the insurer.
Comparing rates side by side with Jerry is the fastest way to make sure you’re not overpaying.
Here’s where North Carolina drivers who saved most often switched after checking their rates with Jerry:
| Insurance carrier | North Carolina drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 12% | 43% |
| Safeco | 4% | 67% |
| National General | 85% | 34% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: City drivers often pay more than rural drivers due to higher claim frequency. Jerry shows those differences instantly so you can make an informed decision.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
North Carolina drivers qualify for many discounts like safe-driver savings, vehicle safety features, telematics participation, multi-car policies, good-student incentives and more. But insurers don’t always apply every discount automatically.
Jerry checks your available savings to make sure nothing gets missed.
Key takeaway: Stacking discounts often creates more savings than raising your deductible alone.
Jerry Agent Tip 3: Pick the right deductible
Choosing the right deductible can change your premium quickly. North Carolina drivers deal with everything from hurricane remnants along the coast to deer collisions in the mountains, so choose a deductible you can comfortably afford if you need to file a claim.
Here’s what Jerry drivers chose for their deductibles in the past year:
To find your ideal deductible:
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Review your car’s value (Jerry updates this each month).
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Choose an amount you can cover out of pocket.
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Compare how each deductible option changes your rate instantly.
The Jerry difference: You’ll see real-time pricing across multiple deductible choices, making it easier to choose the right balance of protection and affordability.
Jerry Agent Tip 4: Use telematics to your advantage
Telematics programs reward safer, more consistent driving habits, and North Carolina insurers increasingly use them to help price risk more precisely. Jerry data shows that drivers who use telematics save an average of 6%, and programs often reward gentler braking, smoother acceleration and mindful nighttime driving.
Jerry’s DriveShield monitors your habits, scores your performance and helps you shop for lower rates when you qualify. We only share your drive score with insurers when it might earn you a discount.
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Get personalized car insurance rates now.
How to get better coverage without overpaying
North Carolina requires 30/60/25 liability coverage plus uninsured motorist protection, but many drivers choose higher limits for better protection. Here are the coverage tiers you’ll see:
Minimum
$58 – $100/mo
Meets North Carolina’s liability and UM/UIM requirements but doesn’t cover your car.
Full
$104 – $220/mo
Adds collision and comprehensive, often required for financed or leased vehicles.
Preferred
$139 – $296/mo
Higher limits, lower deductibles and extras like rental reimbursement or towing make for maximum protection.
Key takeaway: Start with your comfort around risk and your vehicle’s value. Jerry shows real-time prices across all tiers so you can choose confidently.
The cheapest policy in North Carolina is minimum liability, but adding collision or comprehensive is often worth it given wildlife collisions, storm damage and rising repair costs.
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Coverage definitions
North Carolina insurance factors at a glance
Insurance prices in North Carolina reflect the state’s mix of coastal storms and mountain driving and the way insurers weigh risk under the SDIP point system. Two drivers with similar profiles can see different rates depending on local claim patterns and driving environments.
Coastal storms
Tropical storm damage makes comprehensive coverage important, especially near the Outer Banks.
Rural wildlife collisions
Deer crashes peak seasonally, making comprehensive coverage valuable.
Urban congestion
Charlotte and Raleigh see higher accident frequency and theft so collision coverage is important.
Safe Driver Incentive Plan
The SDIP points sharply increase rates after violations.
North Carolina Insurance After a Ticket, Accident or SR-22
One mistake shouldn’t lock you into high rates forever. That’s why Jerry partners with insurers that consider your full profile, not just your last violation. As your record improves, we also help you revisit your coverage to potentially save even more.
If you got a ticket
North Carolina’s Safe Driver Incentive Plan (SDIP) assigns points for moving violations, and even one minor ticket can cause a noticeable rate jump. Some violations carry steep surcharges that last several years, and accumulating too many points can even lead to license consequences.
Jerry monitors your record and shops for lower rates once the violation clears.
Here are the average rate increases we’ve seen for North Carolina drivers after a ticket:
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Speeding under 15: 7%
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Speeding over 15: 9%
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Failure to obey traffic sign: 6%
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Reckless driving: 60%
Based on Jerry customers with clean driving records and Jerry customers with one or more tickets who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
North Carolina is an at-fault state. An at-fault crash typically raises premiums by 23%, and those higher rates can stick around for three to five years.
Jerry finds your best available rate now and revisits your policy once the accident drops off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $392 |
| At Fault With Injury | $398 |
| At Fault With No Injury | $437 |
Based on Jerry customers with clean records and those with one or more accidents who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI in North Carolina carries severe financial and legal consequences. Insurance rates often climb by 24%, and you’ll usually face additional license and reinstatement requirements.
Some insurers still offer more reasonable high-risk pricing. Jerry identifies those carriers and helps re-shop your policy as your record improves.
Here are the cheapest insurers for North Carolina drivers with a DUI:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $126 | Yes | |
| $269 | Yes | |
| $329 | Yes | |
| $427 | Yes | |
Based on Jerry customers with clean driving records and Jerry customers with one or more DUI convictions who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in North Carolina
North Carolina may require an SR-22 after serious violations, uninsured crashes or suspensions. Select the SR-22 option in the Jerry app and we’ll show you only insurers that handle the filing. Many charge around $25 per year for the paperwork, though the violation itself usually drives the bigger rate increase.
Once your SR-22 requirement ends, Jerry helps you transition back to a cheaper policy.
Car Insurance with Bad Credit
North Carolina allows insurers to use credit-based insurance scores when determining premiums, which means a lower score can raise your rate. Even so, your driving record, insurance history and coverage choices still play major roles in your final price.
Jerry compares prices instantly so you can find the insurer that treats your credit profile most favorably.
Average rates in North Carolina by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
North Carolina’s mix of coastal weather, mountain roads, rapid population growth and a strict point system means no single policy fits everyone. The right coverage is the one built for how and where you actually drive.
Jerry helps you find strong, affordable protection today, and also guides you through re-shopping your policy whenever your price can improve.
Get North Carolina quotes in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
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.
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.
