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Cheapest Car Insurance in North Carolina (2025)
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Content was accurate at the time of publication.
Best cheap car insurance in North Carolina
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Find the Cheapest Car Insurance Quotes in North Carolina
Cheapest full-coverage car insurance in North Carolina: Erie
Erie has the cheapest full-coverage car insurance in North Carolina at $789 a year, or $66 a month. Progressive is only slightly more expensive at $69 a month.
Of the two companies, Erie has a better customer satisfaction rating from J.D. Power.
Full-coverage auto insurance rates
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Erie | $789 |  |
 | Progressive | $823 | |
 | State Farm | $958 |  |
 | Nationwide | $1,900 |  |
 | Geico | $2,050 |  |
 | Farm Bureau | $2,257 | |
 | Allstate | $2,926 | |
Full-coverage car insurance includes collision Collision covers damage to your car from a collision with another vehicle or object. and comprehensive Comprehensive covers your car for theft or damage from non-collision causes like vandalism, flood and fire. , which cover damage to your own car. Neither is required by law, but you’ll usually need both for a car loan or lease.
The actual price you’ll pay for car insurance will depend on factors like your driving record, age and credit. It’s good to compare car insurance quotes from a few different companies to make sure you’re not overpaying.
Cheap liability insurance in North Carolina: Erie
At $29 a month, Erie also has the cheapest liability insurance quotes in North Carolina. This is 34% less than the next-cheapest rate of $45 a month from Progressive.
Liability car insurance Liability covers injuries and property damage you cause to others in a car accident. It’s required by law. costs an average of $69 a month statewide.
Liability insurance rates in NC
| Company | Annual rate |
|---|---|
| Erie | $353 |
| Progressive | $536 |
| State Farm | $555 |
| Nationwide | $777 |
| Geico | $1,037 |
| Farm Bureau | $1,153 |
| Allstate | $1,406 |
Find the Cheapest Car Insurance Quotes in North Carolina
Best cheap North Carolina car insurance quotes for teens: Erie
Erie has the cheapest car insurance quotes for teens in North Carolina, with liability rates that average $64 a month. This is 57% less than the state average of $148 a month.
Erie also has the cheapest full coverage for teens at $136 a month. This is 53% less than the state average, $292 a month.
Annual car insurance rates for teens
| Company | Liability | Full coverage |
|---|---|---|
| Erie | $763 | $1,633 |
| State Farm | $1,128 | $1,903 |
| Progressive | $1,163 | $1,707 |
| Geico | $1,669 | $3,694 |
| Nationwide | $1,733 | $3,777 |
| Farm Bureau | $2,764 | $5,229 |
| Allstate | $3,171 | $6,613 |
Teens usually get lower car insurance rates when added to a parent’s policy than if they do it on their own. If you’re a parent, Progressive and Erie also give you a discount for adding your teen to your policy.
Progressive gives teens another discount for getting good grades. Erie doesn’t have this discount — however, Erie does have a discount for teens who complete driver training.
Best North Carolina car insurance after a ticket: Progressive
North Carolina drivers with a speeding ticket get the best car insurance quotes from Progressive. Progressive’s full-coverage rates for drivers with a ticket average $90 a month.
Erie is slightly more expensive at $97 a month. However, Progressive offers more car insurance discounts than Erie, which could make Progressive an even cheaper option.
Auto insurance rates after a ticket
| Company | Annual rate |
|---|---|
| Progressive | $1,085 |
| Erie | $1,162 |
| State Farm | $1,249 |
| Nationwide | $2,523 |
| Geico | $2,944 |
| Farm Bureau | $3,016 |
| Allstate | $4,188 |
Cheap North Carolina car insurance after an accident: Erie
At $73 a month, Erie has the cheapest car insurance for North Carolina drivers with an at-fault accident. This is 32% less than the next-cheapest rate of $107 a month from Progressive.
An at-fault accident drives up the cost of car insurance by an average of 75% statewide to $244 a month. This is why it’s important to shop around for the cheapest quotes if you have a bad driving record.
Car insurance rates after an accident
| Company | Annual rate |
|---|---|
| Erie | $871 |
| Progressive | $1,279 |
| State Farm | $1,483 |
| Farm Bureau | $3,587 |
| Nationwide | $4,003 |
| Geico | $4,613 |
| Allstate | $4,673 |
Best North Carolina car insurance for bad teen drivers: Erie
Teens with a bad driving record can get North Carolina’s cheapest car insurance quotes from Erie.
Erie’s liability rates average $80 a month for teens with a speeding ticket. This is 37% less than the next-cheapest rate, $110 from State Farm.
At $70 a month, Erie also has the cheapest liability rates for teens with an at-fault accident. This is 42% less than State Farm’s rate of $120 a month.
Annual insurance rates for teens with a ticket or accident
| Company | Ticket | Accident |
|---|---|---|
| Erie | $965 | $838 |
| State Farm | $1,321 | $1,442 |
| Progressive | $1,325 | $1,447 |
| Geico | $1,830 | $2,944 |
| Nationwide | $1,986 | $2,758 |
| Farm Bureau | $3,199 | $3,524 |
| Allstate | $3,904 | $4,055 |
Find the Cheapest Car Insurance Quotes in North Carolina
North Carolina’s cheapest car insurance after a DWI: Progressive
Progressive has the cheapest DWI car insurance in North Carolina at $253 a month. Erie and State Farm have the next-cheapest rates at $278 a month and $292 a month, respectively.
All three companies charge less than half the state average of $591 a month after a DWI (driving while intoxicated) conviction.
DWI car insurance rates
| Company | Annual rate |
|---|---|
| Progressive | $3,036 |
| Erie | $3,340 |
| State Farm | $3,509 |
| Geico | $6,888 |
| Nationwide | $7,243 |
| Allstate | $12,192 |
| Farm Bureau | $13,425 |
Cheap North Carolina car insurance for bad credit: Progressive
Make sure to get car insurance quotes from Progressive and Erie if you have bad credit in North Carolina. Progressive has the state’s cheapest bad-credit car insurance at $69 a month. Erie has the next-cheapest rate at $96 a month.
Insurance companies check your credit history for items like your payment history and the amounts you borrow. Avoiding late payments and paying down debts can often help you get cheaper car insurance.
Bad credit car insurance rates
| Company | Annual rate |
|---|---|
| Progressive | $823 |
| Erie | $1,155 |
| Nationwide | $2,456 |
| Geico | $2,978 |
| Farm Bureau | $3,044 |
| State Farm | $4,589 |
| Allstate | $6,343 |
Best car insurance companies in North Carolina
Good rates and high ratings make State Farm and Erie North Carolina’s best car insurance companies.
Erie has cheaper rates than State Farm for most drivers. It also has a higher customer satisfaction score than State Farm from J.D. Power. The ratings are based on customer surveys grading insurance companies on factors like price, coverage options and convenience.
State Farm, on the other hand, has better digital tools than Erie. For example, State Farm offers an app-based safe driver program With State Farm’s Drive Safe & Save program, you get an initial discount just for downloading the app, which tracks your driving. If you drive safely enough, you keep getting discounts each time you renew. , which Erie doesn’t have.
North Carolina car insurance company ratings
| Company | J.D. Power* | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Erie | 700 | A+ | |
| Farm Bureau | 673 | A | |
| Geico | 637 | A++ | |
| Nationwide | 641 | A | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
*Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
North Carolina car insurance rates by city
At $116 a month, Harkers Island has the cheapest car insurance among North Carolina’s cities and towns. Beaufort has the next-cheapest rate at $117 a month.
Newell has the state’s most expensive car insurance at $194 a month. The Robeson County town of Rex has the next-highest rate at $171 a month.
Car insurance costs an average of $168 a month in Charlotte. This is 21% higher than the state average. Raleigh drivers pay $144 a month, or 3% more than the state average.
Car insurance rates near you
| City | Annual rate | Difference from state average |
|---|---|---|
| Aberdeen | $1,609 | -4% |
| Advance | $1,537 | -8% |
| Ahoskie | $1,710 | 2% |
| Alamance | $1,733 | 4% |
| Albemarle | $1,594 | -5% |
| Albertson | $1,692 | 1% |
| Alexander | $1,477 | -12% |
| Alexis | $1,758 | 5% |
| Alliance | $1,648 | -1% |
| Almond | $1,537 | -8% |
| Altamahaw | $1,570 | -6% |
| Andrews | $1,475 | -12% |
| Angier | $1,743 | 4% |
| Ansonville | $1,886 | 13% |
| Apex | $1,526 | -9% |
| Arapahoe | $1,453 | -13% |
| Ararat | $1,543 | -8% |
| Archdale | $1,828 | 9% |
| Archer Lodge | $1,748 | 5% |
| Arden | $1,526 | -9% |
| Ash | $1,707 | 2% |
| Asheboro | $1,559 | -7% |
| Asheville | $1,531 | -8% |
| Atkinson | $1,813 | 8% |
| Atlantic | $1,414 | -15% |
| Atlantic Beach | $1,405 | -16% |
| Aulander | $1,701 | 2% |
| Aurora | $1,697 | 1% |
| Autryville | $1,780 | 6% |
| Avery Creek | $1,525 | -9% |
| Avon | $1,507 | -10% |
| Ayden | $1,786 | 7% |
| Aydlett | $1,532 | -8% |
| Badin | $1,616 | -3% |
| Bahama | $1,670 | 0% |
| Bailey | $1,697 | 1% |
| Bakersville | $1,497 | -10% |
| Bald Head Island | $1,603 | -4% |
| Balfour | $1,500 | -10% |
| Balsam | $1,581 | -5% |
| Balsam Grove | $1,611 | -4% |
| Banner Elk | $1,551 | -7% |
| Barco | $1,537 | -8% |
| Barium Springs | $1,783 | 7% |
| Barker Heights | $1,506 | -10% |
| Barnardsville | $1,492 | -11% |
| Barnesville | $1,994 | 19% |
| Bat Cave | $1,670 | 0% |
| Bath | $1,704 | 2% |
| Battleboro | $1,686 | 1% |
| Bayboro | $1,649 | -1% |
| Bayshore | $1,602 | -4% |
| Bear Creek | $1,597 | -4% |
| Beaufort | $1,400 | -16% |
| Beech Mountain | $1,551 | -7% |
| Belews Creek | $1,519 | -9% |
| Belhaven | $1,689 | 1% |
| Bell Arthur | $1,729 | 3% |
| Bellarthur | $1,864 | 12% |
| Belmont | $1,854 | 11% |
| Belvidere | $1,686 | 1% |
| Belville | $1,718 | 3% |
| Belwood | $1,759 | 5% |
| Bennett | $1,604 | -4% |
| Benson | $1,732 | 4% |
| Bent Creek | $1,521 | -9% |
| Bermuda Run | $1,537 | -8% |
| Bessemer City | $1,965 | 18% |
| Bethel | $1,677 | 0% |
| Bethlehem | $1,632 | -2% |
| Beulaville | $1,714 | 3% |
| Biltmore Forest | $1,514 | -9% |
| Biscoe | $1,583 | -5% |
| Black Mountain | $1,492 | -11% |
| Bladenboro | $1,923 | 15% |
| Blanch | $1,792 | 7% |
| Blounts Creek | $1,685 | 1% |
| Blowing Rock | $1,559 | -7% |
| Bogue | $1,437 | -14% |
| Boiling Spring Lakes | $1,602 | -4% |
| Boiling Springs | $1,756 | 5% |
| Bolivia | $1,701 | 2% |
| Bolton | $1,723 | 3% |
| Bonlee | $1,726 | 3% |
| Boomer | $1,596 | -5% |
| Boone | $1,574 | -6% |
| Boonville | $1,541 | -8% |
| Bostic | $1,534 | -8% |
| Bowmore | $1,923 | 15% |
| Brasstown | $1,493 | -11% |
| Brevard | $1,473 | -12% |
| Bridgeton | $1,659 | -1% |
| Broad Creek | $1,435 | -14% |
| Broadway | $1,751 | 5% |
| Brogden | $1,650 | -1% |
| Browns Summit | $1,577 | -6% |
| Brunswick | $2,024 | 21% |
| Bryson City | $1,476 | -12% |
| Buies Creek | $1,742 | 4% |
| Bullock | $1,686 | 1% |
| Bunn | $1,719 | 3% |
| Bunnlevel | $1,925 | 15% |
| Burgaw | $1,708 | 2% |
| Burlington | $1,561 | -7% |
| Burnsville | $1,499 | -10% |
| Butner | $1,813 | 8% |
| Buxton | $1,661 | -1% |
| Bynum | $1,731 | 4% |
| Calabash | $1,474 | -12% |
| Calypso | $1,710 | 2% |
| Camden | $1,523 | -9% |
| Cameron | $1,712 | 2% |
| Camp Lejeune | $1,587 | -5% |
| Candler | $1,494 | -11% |
| Candor | $1,600 | -4% |
| Canton | $1,499 | -10% |
| Cape Carteret | $1,489 | -11% |
| Caroleen | $1,688 | 1% |
| Carolina Beach | $1,630 | -3% |
| Carolina Shores | $1,473 | -12% |
| Carrboro | $1,455 | -13% |
| Carthage | $1,589 | -5% |
| Cary | $1,528 | -9% |
| Casar | $1,757 | 5% |
| Cashiers | $1,486 | -11% |
| Castalia | $1,681 | 1% |
| Castle Hayne | $1,728 | 3% |
| Caswell Beach | $1,589 | -5% |
| Catawba | $1,652 | -1% |
| Cedar Falls | $1,712 | 2% |
| Cedar Grove | $1,644 | -2% |
| Cedar Island | $1,618 | -3% |
| Cedar Mountain | $1,628 | -3% |
| Cedar Point | $1,488 | -11% |
| Cerro Gordo | $1,959 | 17% |
| Chadbourn | $1,955 | 17% |
| Chapel Hill | $1,474 | -12% |
| Charlotte | $2,019 | 21% |
| Cherokee | $1,456 | -13% |
| Cherry Point | $1,530 | -9% |
| Cherryville | $1,753 | 5% |
| China Grove | $1,757 | 5% |
| Chinquapin | $1,690 | 1% |
| Chocowinity | $1,687 | 1% |
| Claremont | $1,639 | -2% |
| Clarendon | $1,953 | 17% |
| Clarkton | $1,931 | 15% |
| Clayton | $1,788 | 7% |
| Clemmons | $1,533 | -8% |
| Cleveland | $1,737 | 4% |
| Cliffside | $1,755 | 5% |
| Climax | $1,573 | -6% |
| Clinton | $1,786 | 7% |
| Clyde | $1,496 | -11% |
| Coats | $1,778 | 6% |
| Cofield | $1,703 | 2% |
| Coinjock | $1,657 | -1% |
| Colerain | $1,649 | -1% |
| Colfax | $1,554 | -7% |
| Collettsville | $1,542 | -8% |
| Columbia | $1,691 | 1% |
| Columbus | $1,545 | -8% |
| Comfort | $1,820 | 9% |
| Como | $1,717 | 3% |
| Concord | $1,802 | 8% |
| Conetoe | $1,804 | 8% |
| Connelly Springs | $1,630 | -2% |
| Conover | $1,629 | -3% |
| Conway | $1,686 | 1% |
| Cooleemee | $1,559 | -7% |
| Corapeake | $1,694 | 1% |
| Cordova | $1,832 | 10% |
| Cornelius | $1,701 | 2% |
| Corolla | $1,558 | -7% |
| Council | $1,925 | 15% |
| Cove City | $1,680 | 0% |
| Cove Creek | $1,506 | -10% |
| Cramerton | $1,839 | 10% |
| Creedmoor | $1,827 | 9% |
| Creston | $1,535 | -8% |
| Creswell | $1,664 | 0% |
| Cricket | $1,559 | -7% |
| Crossnore | $1,699 | 2% |
| Crouse | $1,774 | 6% |
| Crumpler | $1,541 | -8% |
| Culberson | $1,658 | -1% |
| Cullowhee | $1,481 | -11% |
| Cumberland | $2,018 | 21% |
| Cumnock | $1,873 | 12% |
| Currie | $1,791 | 7% |
| Currituck | $1,654 | -1% |
| Dallas | $1,959 | 17% |
| Dana | $1,515 | -9% |
| Danbury | $1,600 | -4% |
| Davidson | $1,739 | 4% |
| Davis | $1,441 | -14% |
| Deep Gap | $1,510 | -10% |
| Deep Run | $1,683 | 1% |
| Delco | $1,705 | 2% |
| Denton | $1,591 | -5% |
| Denver | $1,693 | 1% |
| Dillsboro | $1,657 | -1% |
| Dobbins Heights | $1,827 | 9% |
| Dobson | $1,566 | -6% |
| Dortches | $1,666 | 0% |
| Dover | $1,764 | 6% |
| Drexel | $1,656 | -1% |
| Dublin | $2,001 | 20% |
| Duck | $1,541 | -8% |
| Dudley | $1,650 | -1% |
| Dunn | $1,730 | 3% |
| Durants Neck | $1,804 | 8% |
| Durham | $1,669 | 0% |
| Eagle Springs | $1,605 | -4% |
| Earl | $1,883 | 13% |
| East Bend | $1,568 | -6% |
| East Flat Rock | $1,499 | -10% |
| East Rockingham | $1,832 | 10% |
| East Spencer | $1,740 | 4% |
| Eastover | $1,806 | 8% |
| Eden | $1,585 | -5% |
| Edenton | $1,697 | 2% |
| Edneyville | $1,508 | -10% |
| Edward | $1,771 | 6% |
| Efland | $1,636 | -2% |
| Elizabeth City | $1,529 | -9% |
| Elizabethtown | $1,924 | 15% |
| Elk Park | $1,512 | -10% |
| Elkin | $1,533 | -8% |
| Ellenboro | $1,565 | -6% |
| Ellerbe | $1,601 | -4% |
| Elm City | $1,748 | 5% |
| Elon | $1,564 | -6% |
| Elroy | $1,644 | -2% |
| Emerald Isle | $1,457 | -13% |
| Enfield | $1,673 | 0% |
| Engelhard | $1,798 | 8% |
| Enka | $1,649 | -1% |
| Ennice | $1,536 | -8% |
| Enochville | $1,772 | 6% |
| Ernul | $1,785 | 7% |
| Erwin | $1,777 | 6% |
| Ether | $1,726 | 3% |
| Etowah | $1,514 | -9% |
| Eure | $1,700 | 2% |
| Everetts | $1,797 | 7% |
| Evergreen | $1,957 | 17% |
| Fair Bluff | $1,947 | 16% |
| Fairfield | $1,810 | 8% |
| Fairfield Harbour | $1,454 | -13% |
| Fairmont | $1,909 | 14% |
| Fairplains | $1,559 | -7% |
| Fairview | $1,789 | 7% |
| Faison | $1,685 | 1% |
| Faith | $1,751 | 5% |
| Falcon | $1,938 | 16% |
| Fallston | $1,877 | 12% |
| Farmville | $1,763 | 5% |
| Fayetteville | $1,936 | 16% |
| Fearrington Village | $1,589 | -5% |
| Ferguson | $1,542 | -8% |
| Flat Rock | $1,527 | -9% |
| Fleetwood | $1,546 | -8% |
| Fletcher | $1,542 | -8% |
| Fontana Dam | $1,613 | -3% |
| Forest City | $1,558 | -7% |
| Forest Oaks | $1,838 | 10% |
| Fort Bragg | $1,933 | 16% |
| Fort Liberty | $2,007 | 20% |
| Foscoe | $1,559 | -7% |
| Fountain | $1,782 | 7% |
| Four Oaks | $1,727 | 3% |
| Foxfire | $1,609 | -4% |
| Franklin | $1,453 | -13% |
| Franklinton | $1,677 | 0% |
| Franklinville | $1,533 | -8% |
| Fremont | $1,707 | 2% |
| Frisco | $1,501 | -10% |
| Fruitland | $1,508 | -10% |
| Fuquay-Varina | $1,745 | 4% |
| Gamewell | $1,603 | -4% |
| Garland | $1,786 | 7% |
| Garner | $1,775 | 6% |
| Garysburg | $1,627 | -3% |
| Gaston | $1,622 | -3% |
| Gastonia | $1,912 | 14% |
| Gates | $1,699 | 2% |
| Gatesville | $1,704 | 2% |
| Germanton | $1,511 | -10% |
| Gerton | $1,611 | -4% |
| Gibson | $1,894 | 13% |
| Gibsonville | $1,576 | -6% |
| Glade Valley | $1,595 | -5% |
| Glen Alpine | $1,655 | -1% |
| Glen Raven | $1,572 | -6% |
| Glendale Springs | $1,691 | 1% |
| Glenville | $1,576 | -6% |
| Gloucester | $1,469 | -12% |
| Godwin | $1,797 | 7% |
| Gold Hill | $1,735 | 4% |
| Goldsboro | $1,667 | 0% |
| Goldston | $1,574 | -6% |
| Graham | $1,546 | -8% |
| Grandy | $1,544 | -8% |
| Granite Falls | $1,633 | -2% |
| Granite Quarry | $1,749 | 5% |
| Grantsboro | $1,453 | -13% |
| Grassy Creek | $1,524 | -9% |
| Green Level | $1,573 | -6% |
| Green Mountain | $1,543 | -8% |
| Greenevers | $1,795 | 7% |
| Greensboro | $1,744 | 4% |
| Greenville | $1,730 | 3% |
| Grifton | $1,759 | 5% |
| Grimesland | $1,685 | 1% |
| Grover | $1,774 | 6% |
| Half Moon | $1,577 | -6% |
| Halifax | $1,632 | -2% |
| Hallsboro | $1,947 | 16% |
| Hamilton | $1,632 | -2% |
| Hamlet | $1,827 | 9% |
| Hampstead | $1,597 | -4% |
| Hamptonville | $1,566 | -6% |
| Harbinger | $1,607 | -4% |
| Harkers Island | $1,397 | -16% |
| Harmony | $1,590 | -5% |
| Harrells | $1,778 | 6% |
| Harrellsville | $1,720 | 3% |
| Harrisburg | $1,830 | 9% |
| Hassell | $1,784 | 7% |
| Hatteras | $1,525 | -9% |
| Havelock | $1,459 | -13% |
| Haw River | $1,567 | -6% |
| Hayesville | $1,448 | -13% |
| Hays | $1,560 | -7% |
| Hazelwood | $1,657 | -1% |
| Henderson | $1,672 | 0% |
| Hendersonville | $1,508 | -10% |
| Henrico | $1,673 | 0% |
| Henrietta | $1,765 | 6% |
| Hertford | $1,685 | 1% |
| Hickory | $1,639 | -2% |
| Hiddenite | $1,550 | -7% |
| High Point | $1,709 | 2% |
| Highfalls | $1,736 | 4% |
| Highlands | $1,448 | -13% |
| Hildebran | $1,644 | -2% |
| Hillsborough | $1,642 | -2% |
| Hobbsville | $1,706 | 2% |
| Hobgood | $1,660 | -1% |
| Hobucken | $1,825 | 9% |
| Hoffman | $1,898 | 14% |
| Holden Beach | $1,690 | 1% |
| Hollister | $1,691 | 1% |
| Holly Ridge | $1,462 | -13% |
| Holly Springs | $1,510 | -10% |
| Hookerton | $1,785 | 7% |
| Hope Mills | $1,935 | 16% |
| Horse Shoe | $1,530 | -8% |
| Hot Springs | $1,493 | -11% |
| Hubert | $1,457 | -13% |
| Hudson | $1,634 | -2% |
| Huntersville | $1,709 | 2% |
| Hurdle Mills | $1,672 | 0% |
| Icard | $1,633 | -2% |
| Indian Trail | $1,923 | 15% |
| Iron Station | $1,780 | 6% |
| Ivanhoe | $1,723 | 3% |
| Jaars | $1,792 | 7% |
| Jackson | $1,671 | 0% |
| Jackson Heights | $1,668 | 0% |
| Jackson Springs | $1,729 | 3% |
| Jacksonville | $1,578 | -6% |
| James City | $1,457 | -13% |
| Jamestown | $1,558 | -7% |
| Jamesville | $1,664 | 0% |
| Jarvisburg | $1,529 | -9% |
| Jefferson | $1,521 | -9% |
| Jonas Ridge | $1,701 | 2% |
| Jonesville | $1,535 | -8% |
| Julian | $1,574 | -6% |
| Kannapolis | $1,780 | 6% |
| Keener | $1,789 | 7% |
| Kelford | $1,680 | 1% |
| Kelly | $1,815 | 9% |
| Kenansville | $1,652 | -1% |
| Kenly | $1,693 | 1% |
| Kernersville | $1,527 | -9% |
| Kill Devil Hills | $1,539 | -8% |
| King | $1,495 | -11% |
| Kings Grant | $1,614 | -3% |
| Kings Mountain | $1,769 | 6% |
| Kingstown | $1,751 | 5% |
| Kinston | $1,672 | 0% |
| Kipling | $1,891 | 13% |
| Kittrell | $1,675 | 0% |
| Kitty Hawk | $1,541 | -8% |
| Knightdale | $1,904 | 14% |
| Knotts Island | $1,544 | -8% |
| Kure Beach | $1,611 | -4% |
| La Grange | $1,659 | -1% |
| Lake Junaluska | $1,480 | -11% |
| Lake Lure | $1,537 | -8% |
| Lake Norman of Catawba | $1,687 | 1% |
| Lake Park | $1,891 | 13% |
| Lake Royale | $1,683 | 1% |
| Lake Toxaway | $1,481 | -11% |
| Lake Waccamaw | $1,726 | 3% |
| Lakeview | $1,751 | 5% |
| Landis | $1,770 | 6% |
| Lansing | $1,558 | -7% |
| Lattimore | $1,877 | 12% |
| Laurel Hill | $1,863 | 11% |
| Laurel Park | $1,515 | -9% |
| Laurel Springs | $1,591 | -5% |
| Laurinburg | $1,883 | 13% |
| Lawndale | $1,760 | 5% |
| Lawsonville | $1,583 | -5% |
| Leasburg | $1,775 | 6% |
| Leicester | $1,473 | -12% |
| Leland | $1,715 | 3% |
| Lemon Springs | $1,896 | 13% |
| Lenoir | $1,607 | -4% |
| Lewiston Woodville | $1,795 | 7% |
| Lewisville | $1,517 | -9% |
| Lexington | $1,572 | -6% |
| Liberty | $1,577 | -6% |
| Light Oak | $1,757 | 5% |
| Lilesville | $1,881 | 13% |
| Lillington | $1,742 | 4% |
| Lincolnton | $1,760 | 5% |
| Linden | $1,816 | 9% |
| Linville Falls | $1,699 | 2% |
| Linwood | $1,724 | 3% |
| Little Switzerland | $1,678 | 0% |
| Littleton | $1,626 | -3% |
| Locust | $1,599 | -4% |
| Long View | $1,641 | -2% |
| Longwood | $1,720 | 3% |
| Louisburg | $1,685 | 1% |
| Lowell | $1,845 | 10% |
| Lowesville | $1,702 | 2% |
| Lowgap | $1,563 | -7% |
| Lowland | $1,840 | 10% |
| Lucama | $1,708 | 2% |
| Lumber Bridge | $1,947 | 16% |
| Lumberton | $1,911 | 14% |
| Lynn | $1,693 | 1% |
| MacClesfield | $1,693 | 1% |
| Macon | $1,692 | 1% |
| Madison | $1,583 | -5% |
| Maggie Valley | $1,505 | -10% |
| Magnolia | $1,681 | 1% |
| Maiden | $1,676 | 0% |
| Mamers | $1,740 | 4% |
| Manns Harbor | $1,537 | -8% |
| Manson | $1,665 | 0% |
| Manteo | $1,501 | -10% |
| Maple | $1,660 | -1% |
| Maple Hill | $1,797 | 7% |
| Mar-Mac | $1,654 | -1% |
| Marble | $1,431 | -14% |
| Margarettsville | $1,656 | -1% |
| Marietta | $1,994 | 19% |
| Marion | $1,533 | -8% |
| Mars Hill | $1,530 | -8% |
| Marshall | $1,450 | -13% |
| Marshallberg | $1,558 | -7% |
| Marshville | $1,936 | 16% |
| Marston | $1,993 | 19% |
| Marvin | $1,797 | 8% |
| Matthews | $1,913 | 14% |
| Maury | $1,769 | 6% |
| Maxton | $1,897 | 13% |
| Mayodan | $1,608 | -4% |
| Maysville | $1,453 | -13% |
| Mc Farlan | $1,955 | 17% |
| Mc Grady | $1,697 | 2% |
| McAdenville | $1,821 | 9% |
| McLeansville | $1,580 | -5% |
| Mccutcheon Field | $1,704 | 2% |
| Mebane | $1,554 | -7% |
| Merritt | $1,459 | -13% |
| Merry Hill | $1,682 | 1% |
| Micaville | $1,705 | 2% |
| Middlesex | $1,699 | 2% |
| Midland | $1,814 | 8% |
| Midway | $1,577 | -6% |
| Midway Park | $1,594 | -5% |
| Mill Spring | $1,522 | -9% |
| Millers Creek | $1,571 | -6% |
| Mills River | $1,517 | -9% |
| Milton | $1,714 | 3% |
| Mineral Springs | $1,795 | 7% |
| Mint Hill | $1,955 | 17% |
| Misenheimer | $1,616 | -3% |
| Mocksville | $1,547 | -7% |
| Moncure | $1,596 | -5% |
| Monroe | $1,968 | 18% |
| Montreat | $1,642 | -2% |
| Mooresboro | $1,756 | 5% |
| Mooresville | $1,688 | 1% |
| Moravian Falls | $1,562 | -7% |
| Morehead City | $1,412 | -16% |
| Morganton | $1,649 | -1% |
| Morrisville | $1,504 | -10% |
| Morven | $1,853 | 11% |
| Mount Airy | $1,549 | -7% |
| Mount Gilead | $1,599 | -4% |
| Mount Holly | $1,848 | 11% |
| Mount Mourne | $1,807 | 8% |
| Mount Olive | $1,684 | 1% |
| Mount Pleasant | $1,612 | -4% |
| Mount Ulla | $1,859 | 11% |
| Mountain Home | $1,503 | -10% |
| Mountain View | $1,642 | -2% |
| Moyock | $1,556 | -7% |
| Mulberry | $1,558 | -7% |
| Murfreesboro | $1,694 | 1% |
| Murphy | $1,466 | -12% |
| Murraysville | $1,601 | -4% |
| Myrtle Grove | $1,608 | -4% |
| Nags Head | $1,536 | -8% |
| Nakina | $1,955 | 17% |
| Naples | $1,661 | -1% |
| Nashville | $1,685 | 1% |
| Nebo | $1,526 | -9% |
| Neuse Forest | $1,454 | -13% |
| New Bern | $1,459 | -13% |
| New Hill | $1,581 | -5% |
| New London | $1,588 | -5% |
| Newell | $2,323 | 39% |
| Newland | $1,524 | -9% |
| Newport | $1,436 | -14% |
| Newton | $1,645 | -2% |
| Newton Grove | $1,752 | 5% |
| Norlina | $1,673 | 0% |
| Norman | $1,748 | 5% |
| North Topsail Beach | $1,462 | -13% |
| North Wilkesboro | $1,559 | -7% |
| Northchase | $1,615 | -3% |
| Northlakes | $1,638 | -2% |
| Norwood | $1,604 | -4% |
| Oak City | $1,642 | -2% |
| Oak Island | $1,589 | -5% |
| Oak Ridge | $1,560 | -7% |
| Oakboro | $1,605 | -4% |
| Ocean Isle Beach | $1,506 | -10% |
| Ocracoke | $1,534 | -8% |
| Ogden | $1,601 | -4% |
| Old Fort | $1,480 | -11% |
| Olin | $1,556 | -7% |
| Olivia | $1,896 | 13% |
| Oriental | $1,440 | -14% |
| Orrum | $1,921 | 15% |
| Otto | $1,456 | -13% |
| Oxford | $1,711 | 2% |
| Pantego | $1,712 | 2% |
| Parkton | $1,930 | 15% |
| Parmele | $1,783 | 7% |
| Patterson Springs | $1,757 | 5% |
| Paw Creek | $2,000 | 20% |
| Peachland | $1,947 | 16% |
| Pelham | $1,668 | 0% |
| Pembroke | $1,885 | 13% |
| Pendleton | $1,702 | 2% |
| Penland | $1,705 | 2% |
| Penrose | $1,497 | -10% |
| Pfafftown | $1,531 | -8% |
| Pikeville | $1,680 | 0% |
| Pilot Mountain | $1,549 | -7% |
| Pine Hall | $1,594 | -5% |
| Pine Knoll Shores | $1,405 | -16% |
| Pinebluff | $1,594 | -5% |
| Pinehurst | $1,583 | -5% |
| Pineola | $1,699 | 2% |
| Pinetops | $1,783 | 7% |
| Pinetown | $1,681 | 1% |
| Pineville | $1,935 | 16% |
| Piney Creek | $1,656 | -1% |
| Piney Green | $1,583 | -5% |
| Pink Hill | $1,681 | 1% |
| Pinnacle | $1,566 | -6% |
| Pisgah Forest | $1,507 | -10% |
| Pittsboro | $1,591 | -5% |
| Plain View | $1,731 | 4% |
| Pleasant Garden | $1,583 | -5% |
| Pleasant Hill | $1,580 | -6% |
| Plymouth | $1,671 | 0% |
| Point Harbor | $1,615 | -3% |
| Polkton | $1,889 | 13% |
| Polkville | $1,877 | 12% |
| Pollocksville | $1,661 | -1% |
| Pope Army Airfield | $1,960 | 17% |
| Poplar Branch | $1,663 | -1% |
| Porters Neck | $1,603 | -4% |
| Potecasi | $1,793 | 7% |
| Powells Point | $1,503 | -10% |
| Powellsville | $1,804 | 8% |
| Princeton | $1,722 | 3% |
| Princeville | $1,675 | 0% |
| Proctorville | $1,994 | 19% |
| Prospect Hill | $1,682 | 1% |
| Providence | $1,686 | 1% |
| Pumpkin Center | $1,584 | -5% |
| Purlear | $1,567 | -6% |
| Raeford | $1,926 | 15% |
| Raleigh | $1,729 | 3% |
| Ramseur | $1,558 | -7% |
| Randleman | $1,572 | -6% |
| Ranlo | $1,984 | 19% |
| Red Oak | $1,686 | 1% |
| Red Springs | $1,885 | 13% |
| Reidsville | $1,594 | -5% |
| Rennert | $1,921 | 15% |
| Research Triangle Park | $1,668 | 0% |
| Rex | $2,051 | 23% |
| Rhodhiss | $1,780 | 6% |
| Rich Square | $1,652 | -1% |
| Richfield | $1,581 | -5% |
| Richlands | $1,594 | -5% |
| Ridgecrest | $1,642 | -2% |
| Ridgeway | $1,795 | 7% |
| Riegelwood | $1,711 | 2% |
| River Bend | $1,461 | -13% |
| River Road | $1,699 | 2% |
| Roanoke Rapids | $1,617 | -3% |
| Roaring Gap | $1,698 | 2% |
| Roaring River | $1,584 | -5% |
| Robbins | $1,599 | -4% |
| Robbinsville | $1,447 | -13% |
| Robersonville | $1,662 | -1% |
| Rockfish | $1,929 | 15% |
| Rockingham | $1,831 | 10% |
| Rockwell | $1,755 | 5% |
| Rocky Mount | $1,666 | 0% |
| Rocky Point | $1,785 | 7% |
| Rodanthe | $1,694 | 1% |
| Roduco | $1,804 | 8% |
| Rolesville | $1,799 | 8% |
| Ronda | $1,549 | -7% |
| Roper | $1,699 | 2% |
| Rose Hill | $1,793 | 7% |
| Roseboro | $1,769 | 6% |
| Rosman | $1,614 | -3% |
| Rougemont | $1,690 | 1% |
| Rowland | $1,879 | 12% |
| Roxboro | $1,699 | 2% |
| Roxobel | $1,777 | 6% |
| Royal Pines | $1,519 | -9% |
| Ruffin | $1,678 | 0% |
| Rural Hall | $1,521 | -9% |
| Rutherford College | $1,660 | -1% |
| Rutherfordton | $1,558 | -7% |
| Salem | $1,649 | -1% |
| Salemburg | $1,777 | 6% |
| Salisbury | $1,745 | 4% |
| Salter Path | $1,488 | -11% |
| Saluda | $1,543 | -8% |
| Salvo | $1,655 | -1% |
| Sandy Ridge | $1,598 | -4% |
| Sanford | $1,738 | 4% |
| Sapphire | $1,630 | -3% |
| Sawmills | $1,635 | -2% |
| Saxapahaw | $1,728 | 3% |
| Scaly Mountain | $1,622 | -3% |
| Scotland Neck | $1,713 | 2% |
| Scotts | $1,768 | 6% |
| Scottville | $1,708 | 2% |
| Scranton | $1,827 | 9% |
| Sea Breeze | $1,607 | -4% |
| Seaboard | $1,644 | -2% |
| Seagrove | $1,600 | -4% |
| Sealevel | $1,581 | -5% |
| Sedalia | $1,695 | 1% |
| Selma | $1,750 | 5% |
| Semora | $1,727 | 3% |
| Seven Devils | $1,551 | -7% |
| Seven Lakes | $1,596 | -5% |
| Seven Springs | $1,681 | 1% |
| Severn | $1,793 | 7% |
| Shallotte | $1,692 | 1% |
| Shannon | $1,918 | 15% |
| Sharpsburg | $1,671 | 0% |
| Shawboro | $1,513 | -10% |
| Shelby | $1,755 | 5% |
| Sherrills Ford | $1,678 | 0% |
| Shiloh | $1,517 | -9% |
| Siler City | $1,578 | -6% |
| Siloam | $1,524 | -9% |
| Silver City | $1,927 | 15% |
| Silver Lake | $1,606 | -4% |
| Simpson | $1,816 | 9% |
| Sims | $1,712 | 2% |
| Skippers Corner | $1,728 | 3% |
| Skyland | $1,665 | 0% |
| Smithfield | $1,729 | 3% |
| Smyrna | $1,454 | -13% |
| Sneads Ferry | $1,461 | -13% |
| Snow Camp | $1,563 | -6% |
| Snow Hill | $1,769 | 6% |
| Sophia | $1,557 | -7% |
| South Henderson | $1,679 | 0% |
| South Mills | $1,560 | -7% |
| South Rosemary | $1,617 | -3% |
| Southern Pines | $1,562 | -7% |
| Southern Shores | $1,541 | -8% |
| Southmont | $1,569 | -6% |
| Southport | $1,603 | -4% |
| Sparta | $1,557 | -7% |
| Speed | $1,784 | 7% |
| Spencer | $1,740 | 4% |
| Spindale | $1,538 | -8% |
| Spring Hope | $1,672 | 0% |
| Spring Lake | $1,917 | 15% |
| Spruce Pine | $1,515 | -9% |
| St. Helena | $1,711 | 2% |
| St. James | $1,603 | -4% |
| St. Pauls | $1,910 | 14% |
| St. Stephens | $1,637 | -2% |
| Stacy | $1,617 | -3% |
| Staley | $1,576 | -6% |
| Stallings | $1,907 | 14% |
| Stanfield | $1,638 | -2% |
| Stanley | $1,705 | 2% |
| Stantonsburg | $1,764 | 6% |
| Star | $1,578 | -6% |
| State Road | $1,539 | -8% |
| Statesville | $1,624 | -3% |
| Stedman | $1,827 | 9% |
| Stella | $1,457 | -13% |
| Stem | $1,801 | 8% |
| Stokes | $1,692 | 1% |
| Stokesdale | $1,569 | -6% |
| Stoneville | $1,589 | -5% |
| Stony Point | $1,633 | -2% |
| Stovall | $1,816 | 9% |
| Stumpy Point | $1,652 | -1% |
| Sugar Grove | $1,632 | -2% |
| Sugar Mountain | $1,551 | -7% |
| Summerfield | $1,554 | -7% |
| Sunbury | $1,692 | 1% |
| Sunset Beach | $1,504 | -10% |
| Supply | $1,690 | 1% |
| Surf City | $1,468 | -12% |
| Swannanoa | $1,494 | -11% |
| Swanquarter | $1,701 | 2% |
| Swansboro | $1,490 | -11% |
| Swepsonville | $1,728 | 3% |
| Sylva | $1,506 | -10% |
| Tabor City | $1,941 | 16% |
| Tar Heel | $1,923 | 15% |
| Tarawa Terrace | $1,597 | -4% |
| Tarboro | $1,675 | 0% |
| Taylorsville | $1,618 | -3% |
| Teachey | $1,712 | 2% |
| Terrell | $1,692 | 1% |
| Thomasville | $1,572 | -6% |
| Thurmond | $1,527 | -9% |
| Tillery | $1,793 | 7% |
| Timberlake | $1,708 | 2% |
| Toast | $1,549 | -7% |
| Tobaccoville | $1,520 | -9% |
| Todd | $1,627 | -3% |
| Topsail Beach | $1,470 | -12% |
| Topton | $1,488 | -11% |
| Traphill | $1,553 | -7% |
| Trent Woods | $1,462 | -13% |
| Trenton | $1,681 | 1% |
| Trinity | $1,571 | -6% |
| Troutman | $1,673 | 0% |
| Troy | $1,567 | -6% |
| Tryon | $1,539 | -8% |
| Tuckasegee | $1,449 | -13% |
| Turkey | $1,760 | 5% |
| Tuxedo | $1,670 | 0% |
| Tyner | $1,689 | 1% |
| Tyro | $1,572 | -6% |
| Union Grove | $1,554 | -7% |
| Union Mills | $1,545 | -8% |
| Unionville | $1,966 | 18% |
| Valdese | $1,645 | -2% |
| Vale | $1,751 | 5% |
| Valle Crucis | $1,549 | -7% |
| Valley Hill | $1,515 | -9% |
| Vanceboro | $1,747 | 5% |
| Vandemere | $1,790 | 7% |
| Vass | $1,589 | -5% |
| Vaughan | $1,794 | 7% |
| Vilas | $1,505 | -10% |
| Waco | $1,883 | 13% |
| Wade | $1,911 | 14% |
| Wadesboro | $1,860 | 11% |
| Wagram | $1,867 | 12% |
| Wake Forest | $1,693 | 1% |
| Walkertown | $1,530 | -9% |
| Wallace | $1,705 | 2% |
| Wallburg | $1,578 | -6% |
| Walnut Cove | $1,596 | -5% |
| Walstonburg | $1,793 | 7% |
| Wanchese | $1,500 | -10% |
| Warne | $1,580 | -5% |
| Warrensville | $1,554 | -7% |
| Warrenton | $1,665 | 0% |
| Warsaw | $1,667 | 0% |
| Washington | $1,698 | 2% |
| Waves | $1,661 | -1% |
| Waxhaw | $1,793 | 7% |
| Waynesville | $1,519 | -9% |
| Weaverville | $1,506 | -10% |
| Weddington | $1,851 | 11% |
| Welcome | $1,576 | -6% |
| Weldon | $1,664 | 0% |
| Wendell | $1,754 | 5% |
| Wentworth | $1,595 | -5% |
| Wesley Chapel | $1,884 | 13% |
| West Canton | $1,497 | -10% |
| West End | $1,596 | -5% |
| West Jefferson | $1,562 | -7% |
| West Marion | $1,532 | -8% |
| Westfield | $1,581 | -5% |
| Westport | $1,693 | 1% |
| Whispering Pines | $1,588 | -5% |
| Whitakers | $1,649 | -1% |
| White Lake | $1,922 | 15% |
| White Oak | $1,930 | 15% |
| White Plains | $1,548 | -7% |
| Whiteville | $1,946 | 16% |
| Whitsett | $1,578 | -6% |
| Whittier | $1,482 | -11% |
| Wilkesboro | $1,591 | -5% |
| Willard | $1,715 | 3% |
| Williamston | $1,679 | 0% |
| Williston | $1,617 | -3% |
| Willow Spring | $1,744 | 4% |
| Wilmington | $1,620 | -3% |
| Wilson | $1,767 | 6% |
| Wilsons Mills | $1,854 | 11% |
| Windsor | $1,643 | -2% |
| Winfall | $1,701 | 2% |
| Wingate | $1,976 | 18% |
| Winnabow | $1,712 | 2% |
| Winston-Salem | $1,553 | -7% |
| Winterville | $1,757 | 5% |
| Winton | $1,702 | 2% |
| Wise | $1,795 | 7% |
| Woodfin | $1,526 | -9% |
| Woodland | $1,696 | 1% |
| Woodlawn | $1,552 | -7% |
| Woodleaf | $1,734 | 4% |
| Wrightsboro | $1,688 | 1% |
| Wrightsville Beach | $1,631 | -2% |
| Yadkinville | $1,567 | -6% |
| Yanceyville | $1,684 | 1% |
| Youngsville | $1,685 | 1% |
| Zebulon | $1,751 | 5% |
| Zionville | $1,540 | -8% |
| Zirconia | $1,506 | -10% |
Minimum coverage for car insurance in North Carolina
North Carolina requires you to have car insurance with liability and
uninsured motorist coverage
Uninsured motorist covers injuries and damage that an uninsured driver causes to you or your vehicle
to register your vehicle.
As of Jan. 1, 2025, the state’s minimum auto insurance requirements include:
| Coverage | Required minimum limit |
|---|---|
| Bodily injury liability | $50,000 per person, $100,000 per accident |
| Property damage liability | $50,000 |
| Uninsured motorist bodily injury | $50,000 per person, $100,000 per accident |
| Uninsured motorist property damage | $50,000 |
Frequently asked questions
Full-coverage car insurance costs an average of $1,672 a year in North Carolina, or $139 a month. Minimum-coverage policies cost an average of $69 a month.
For the most part, yes. North Carolina’s car insurance rates are around 20% less than the national average. North Carolina has the nation’s 10th-cheapest full-coverage rate. This means car insurance is cheaper in North Carolina than it is in 40 other states and the District of Columbia.
Erie has the cheapest car insurance for most North Carolina drivers. It charges an average of $66 a month for full coverage and $29 a month for minimum coverage. Progressive has the cheapest rates for drivers with a speeding ticket or DWI.