Cheapest Car Insurance, North Carolina 2025: Find the Best Rates Today
This guide breaks down the cheapest car insurance in North Carolina, including average costs, top low-cost insurers, age-based rates, credit impact, and ways to save. Learn how factors like driving history and mileage affect pricing and how to secure the best coverage for your budget.
You can find affordable auto insurance in North Carolina by comparing quotes and understanding factors (such as age, driving history, and location) that determine the cost. Our guide to cheap car insurance in North Carolina will help you review different options and find the best coverage for your needs. We provide information for both young and senior drivers.
Save on Car Insurance In North Carolina
Explore and compare rates from over 50 top insurance companies, including Progressive, Travelers, AAA, and Nationwide, to find the best car insurance deals.
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Getting an auto insurance quote is the first step toward securing affordable coverage rates. At Think Save Retire, we help you understand why your rate is what it is and how to get the cheapest car insurance in North Carolina.
Average Car Insurance Costs in North Carolina
On average, North Carolina drivers pay:
- $1,188 per year for full coverage auto insurance.
- $486 per year for minimum liability coverage.
Cheapest Car Insurance Providers in North Carolina by Coverage Level
To help you decide the right level of coverage, here’s a breakdown of rates from the cheapest car insurance providers in North Carolina, for both full coverage and the state minimum coverage.
| Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Progressive | $493 | $1,207 |
| State Farm | $501 | $1,542 |
| Erie | $505 | $1,669 |
| Nationwide | $618 | $2,154 |
| Geico | $629 | $1,964 |
Source: USNews (Cheapest Car Insurance in North Carolina for 2025)
Cheapest Car Insurance in North Carolina by Age
Teens have less driving experience behind the wheel, meaning they’re more likely to cause an accident than older motorists. Consequently, many insurers raise premiums when setting rates for teens because they’re less experienced drivers. Here are the cheapest car insurance rates in North Carolina for different drivers:
1. Teen Drivers
Our analysis of 17-year-old teen drivers found that Progressive Insurance offers the lowest sample premiums: $2,254 for both males and females.
| Company | 17-Year-Old Female | 17-Year-Old Male |
|---|---|---|
| Progressive | $2,254 | $2,254 |
| State Farm | $2,858 | $2,858 |
| Erie | $3,272 | $3,272 |
| Farmers | $3,714 | $3,714 |
| Travelers | $4,039 | $4,039 |
Source: USNews (Cheapest Car Insurance in North Carolina for 2025)
2. Young Adult Drivers
Our analysis of 25-year-old young adult drivers found that Progressive offers the lowest sample premiums: $998 for both males and females.
| Company | 25-Year-Old Female | 25-Year-Old Male |
|---|---|---|
| Progressive | $998 | $998 |
| State Farm | $1,682 | $1,682 |
| Erie | $1,650 | $1,650 |
| Farmers | $1,709 | $1,709 |
| Travelers | $1,830 | $1,830 |
Source: USNews (Cheapest Car Insurance in North Carolina for 2025)
3. Adult Drivers
Progressive still has the cheapest car insurance for adult drivers in North Carolina, with an average rate of $99 per month or $1,188 per year for full coverage.
| Company | Median Annual Rate | Median Monthly Rate |
|---|---|---|
| Progressive | $1,188 | $99 |
| State Farm | $1,340 | $112 |
| Erie | $1,370 | $114 |
| Farmers | $1,541 | $128 |
| North Carolina Farm Bureau | $1,614 | $135 |
Source: Nerdwallet (Cheapest Car Insurance in North Carolina for 2025)
4. Senior Drivers
Progressive offers the cheapest car insurance for senior drivers in North Carolina, with an average full coverage cost of $1,188 per year or $99 per month.
| Company | Median Annual Rate | Median Monthly Rate |
|---|---|---|
| Progressive | $1,188 | $99 |
| State Farm | $1,518 | $127 |
| Erie | $1,519 | $127 |
| Farmers | $1,528 | $127 |
| Travelers | $1,806 | $151 |
Source: Nerdwallet (Cheapest Car Insurance in North Carolina for 2025)
Cheapest Car Insurance in North Carolina by Credit History
North Carolina car insurance companies may consider your insurance score when they set your premium. This differs from your credit score, but it typically reflects many factors, such as your payment history and the length of your credit history.
According to our rate analysis, Progressive offers the cheapest insurance in North Carolina for drivers with poor and good credit-based insurance scores. Erie ranks as the second-cheapest company for both of these categories.
| Company | Poor Credit | Good Credit |
|---|---|---|
| Progressive | $998 | $998 |
| Erie | $1,651 | $1,456 |
| Farmers | $1,709 | $1,709 |
| Penn National | $2,050 | $1,894 |
| Travelers | $2,401 | $4,500 |
| North Carolina Farm Bureau | $2,646 | $1,846 |
| Nationwide | $2,658 | $2,073 |
| Geico | $2,674 | $1,656 |
| Statewide Average | $2,947 | $1,894 |
Source: USNews (Cheapest Car Insurance in North Carolina for 2025)
Cheap Auto Insurance, North Carolina: By Driving Record
Your driving record heavily determines how much you pay for car insurance in North Carolina. A speeding violation, an at-fault accident, or a DUI conviction can indicate the risk you present to insurers.
Our research found that Progressive offers the cheapest insurance for drivers with clean records and for certain high-risk drivers.
1. Clean Record
In North Carolina, Progressive is one of the companies with cheap auto insurance for drivers with a clean record, with an average full coverage cost of $998.
| Company | With a Clean Record |
|---|---|
| Progressive | $998 |
| State Farm | $1,314 |
| Erie | $1,456 |
| Geico | $1,656 |
| Farmers | $1,709 |
| Travelers | $1,760 |
| North Carolina Farm Bureau | $1,846 |
| Statewide Average | $1,894 |
2. Speeding Ticket
Progressive still offers the cheapest car insurance for drivers with speeding tickets in North Carolina, with an average full coverage cost of $1,436.
| Company | With 1 Speeding Violation |
|---|---|
| Progressive | $1,436 |
| State Farm | $1,893 |
| Erie | $2,187 |
| Geico | $2,816 |
| Farmers | $2,474 |
| Travelers | $2,731 |
| North Carolina Farm Bureau | $2,677 |
| Statewide Average | $2,779 |
3. At-Fault Accident
When it comes to car accidents, our analysis confirms that Progressive charges drivers with one accident a sample premium of $1,316 annually.
| Company | With 1 Accident |
|---|---|
| Progressive | $1,316 |
| State Farm | $1,726 |
| Erie | $1,999 |
| Geico | $3,054 |
| Farmers | $2,266 |
| Travelers | $2,931 |
| North Carolina Farm Bureau | $2,451 |
| Statewide Average | $2,758 |
4. DUI
DUIs are serious traffic violations. Progressive charges drivers with one DUI the lowest sample premium of $3,706 annually in North Carolina.
| Company | With 1 DUI |
|---|---|
| Progressive | $3,706 |
| State Farm | $4,945 |
| Erie | $5,753 |
| Geico | $7,380 |
| Farmers | $6,439 |
| Travelers | $6,646 |
| North Carolina Farm Bureau | $10,749 |
| Statewide Average | $7,599 |
Source: USNews (Cheapest Car Insurance in North Carolina for 2025)
Cheapest Car Insurance, North Carolina: By Annual Mileage
When you apply for car insurance, your insurer may use your annual mileage to determine your premium. According to our rate analysis, Progressive offers the lowest average annual premiums for both high and low-mileage drivers. However, several insurers offer rates below the statewide average as follows:
| Company | Low Mileage | High Mileage |
|---|---|---|
| Progressive | $998 | $998 |
| State Farm | $1,314 | $1,314 |
| Erie | $1,428 | $1,456 |
| Geico | $1,656 | $1,656 |
| Farmers | $1,709 | $1,709 |
| Travelers | $1,760 | $1,760 |
| North Carolina Farm Bureau | $1,846 | $1,846 |
| Penn National | $1,894 | $1,894 |
| Statewide Average | $1,890 | $1,894 |
Source: USNews (Cheapest Car Insurance in New York for 2025)
What Determines Your North Carolina Auto Insurance Rate?
Several factors determine your auto insurance premiums in North Carolina, including:
- Driving Record: A clean driving history secures the best rates. Tickets, accidents, or DUIs will increase your premiums.
- Vehicle Type: New cars with expensive repair costs or higher theft rates may raise your premiums.
- Location: Urban driving, especially in cities like Charlotte or Raleigh, often results in higher rates because these areas have increased traffic and accident rates. The Outer Banks might also have unique risks.
- Credit Score: North Carolina uses your credit history to help determine your insurance rate. A good credit score typically gives you cheap auto insurance in North Carolina
- Coverage Level: Full coverage (including collision and comprehensive coverage) costs more than liability-only insurance.
What Makes North Carolina Car Insurance Rates Unique?
North Carolina operates as a tort state (not no-fault), meaning the driver at fault for an accident pays the damages. However, North Carolina requires drivers to maintain specific minimum auto insurance coverage as follows:
| Coverage | Minimum Limit |
|---|---|
| Bodily Injury Liability Per Person | $50,000 |
| Bodily Injury Liability Per Car Accident | $100,000 |
| Property Damage Liability Per Car Accident | $50,000 |
This structure influences your premiums and coverage choices.
How to Get Cheap Car Insurance, North Carolina
Here’s how to secure the best deal for your car insurance:
- Compare Quotes from Multiple Insurers: Use comparison tools to evaluate rates from at least three companies, and compare car insurance quotes.
- Adjust Your Coverage Levels: Choose liability-only or a higher deductible to lower your premium if you don't need full coverage.
- Consider Bundling: Combine auto insurance with home or renters insurance to unlock additional coverage and savings.
- Seek Discounts: Ask about safe-driving, good-grades, bundling, low-mileage, or military-service discounts. You may also qualify for discounts from a company like Liberty Mutual.
- Maintain a Clean Driving Record: Keep your driving history free of accidents and violations to enjoy lower rates.
Risks of Getting Minimum Coverage
Minimum coverage is the most affordable option in North Carolina, but it leaves you financially exposed in the event of a car accident. With only liability insurance, you don't receive coverage for damages to your own car. Furthermore, the coverage limits may not fully cover medical bills or vehicle repairs if the damages exceed your policy's limits. This means you may have to pay the remaining expenses yourself. To get more protection, consider additional coverage.
Tips to Lower Your Car Insurance Premiums in North Carolina
- Increase Your Deductible: Raise your deductible and lower your monthly premium.
- Take a Defensive Driving Course: Some insurers offer discounts for completing these courses.
- Install Anti-Theft Devices: Many insurers give discounts for vehicles equipped with security features.
- Drive Less: If you drive low mileage, look for insurers that offer discounts for infrequent drivers.
Additional Resources for North Carolina Drivers
- North Carolina Department of Insurance: Check the latest information on state requirements and consumer resources.
- Electronic Proof of Insurance: Learn North Carolina's rules on digital proof of auto insurance for easy access.
FAQs About the Cheapest Auto Insurance in North Carolina
Is Full Car Insurance Coverage Necessary in North Carolina?
Full coverage isn’t mandatory, but insurers can recommend it for newer or financed vehicles, as it protects you from both damage to your car and liability for other drivers.
Are There Auto Insurance Discounts Available for North Carolina Drivers?
Yes! Auto insurance discounts are available for safe driving, good grades, low mileage, bundling policies, and more.
Save on Car Insurance Today
Explore and compare rates from over 50 top insurance companies, including Progressive, Travelers, AAA, and Nationwide, to find the best car insurance deals. Car dealership
Save on Car Insurance In North Carolina
Explore and compare rates from over 50 top insurance companies, including Progressive, Travelers, AAA, and Nationwide, to find the best car insurance deals.
Get Your Free Quote- No lengthy forms
- No spam or unwanted calls
- Quotes from trusted insurance providers
