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Kemper Insurance provides the cheapest full coverage car insurance in North Carolina at about $961 a year. Your specific rates may vary, but the average full coverage car insurance premium in North Carolina is $114 per month, according to Insure.com’s 2022 rate analysis.

Car insurance is a legal requirement in most states, and North Carolina is no exception. North Carolina drivers are required to carry at least the minimum amount of liability coverage—$25,000 of personal property coverage per person, $30,000 for bodily injury per person and $60,000 for bodily injury per accident.

However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.

What is full coverage car insurance in North Carolina?

Full coverage car insurance includes bodily injury and property damage liability coverage, as well as comprehensive and collision coverage, according to the Insurance Information Institute (III). Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions such as weather or theft.

If you lease or finance your car in North Carolina, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage. Every state except New Hampshire and Virginia requires drivers to get liability coverage, while comprehensive and collision coverage are optional. However, in Virginia, you have to pay an uninsured motorist fee of $500.

Average full coverage car insurance cost in North Carolina

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. Average cost of full coverage car insurance in North Carolina is 19% less than the national average cost of full coverage insurance in the U.S.

There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that every driver should carry 100/300/100 coverage limits.

Cheapest full coverage car insurance rate in North Carolina by company

Kemper Insurance offers the cheapest full coverage car insurance in North Carolina an average of $961 per year. It’s 30% less expensive than the average full coverage car insurance cost in North Carolina. The rates will vary based on factors such as your driving history, age, ZIP Code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates for car insurance from major insurance companies.

CompanyFull coverage insurance cost
Kemper Insurance$961
Erie Insurance$1,013
Geico$1,035
Nationwide$1,132
State Farm$1,199
North Carolina Farm Bureau$1,218
National General Insurance$1,473
Farmers Insurance$1,763
Progressive$1,782
Allstate$2,106

Full coverage car insurance cost in North Carolina by ZIP code

Full coverage car insurance premiums vary significantly by ZIP code. Insurance companies consider factors such as the crime rate in an area, the number of claims filed, types of claims filed to determine annual premiums. Below are the least and most expensive ZIP codes for full coverage car insurance.

Most expensive ZIP codes for car insurance in North Carolina

Drivers living in the ZIP code 28212 pay the highest premiums at about $1,809 a year. ZIP codes with a higher number of car thefts or vandalism also tend to have higher car insurance rates.

Find below the most expensive ZIP codes for car insurance in North Carolina.

ZIP codeFull coverage insurance cost
28212$1,809
28206$1,806
28205$1,803
28208$1,798
28217$1,792
28254$1,786
28262$1,779
28126$1,774
28213$1,772
28215$1,771

Least expensive ZIP codes for car insurance in North Carolina

28745 ZIP code in North Carolina has the cheapest full coverage auto insurance cost at an average price of $1,123 annually. Know the least expensive ZIP codes for car insurance in North Carolina below.

ZIP codeFull coverage insurance cost
28745$1,123
28748$1,139
28701$1,140
28753$1,140
28805$1,143
28715$1,144
28719$1,144
28905$1,149
28709$1,150
28721$1,150

North Carolina full coverage car insurance rate by age

Young drivers in North Carolina tend to pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims on their insurance policy. A 16-year-old driver pays 185% more than a 40-year-old mature driver in North Carolina, based on Insure.com’s analysis.

The table below shows full coverage car insurance rates for drivers of different ages:

Age groupFull coverage annual premiums
Teen drivers (age 16-19)$2,909
Young drivers (age 20-24)$1,592
Adult drivers (age 25-64)$1,369
Senior drivers (age 65+)$1,348

Read our Guide to car insurance for teens for more information

Car insurance rates in North Carolina by driver history

Your driving history is one of the main factors insurers look at when considering insurance rates. If you are responsible for a car accident or get convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver and you are likely to get cheap full coverage car insurance.

Cheapest full coverage car insurance after a speeding ticket in North Carolina

Getting a speeding ticket is never any fun. Not only will you have to pay a fine, but your insurance rates may go up. A single speeding ticket can increase your rates by 41% or $587 in North Carolina, based on Insure.com data.

But if you’re looking for affordable coverage, below are some insurers that offer cheap full-coverage car insurance after a speeding ticket.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
Nationwide$1,135$1,55937%$425
Erie$1,075$1,64653%$572
North Carolina Farm Bureau$1,265$1,75138%$486
State Farm$1,251$1,79744%$545
Kemper$1,071$1,82070%$749
Farmers$1,838$1,8380%$0
Geico$1,034$1,94388%$909
National General$1,539$1,95727%$418
Progressive$1,860$2,59940%$739
Allstate$2,339$3,32742%$988

Cheapest full coverage car insurance after an accident in North Carolina

No one plans on getting into a car accident, but unfortunately, they happen. If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find the best rates.

Kemper offers the cheapest car insurance rates to drivers after an at-fault accident, at about $1699 a year. Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
Kemper$1,071$1,69959%$628
Erie$1,075$1,71960%$644
North Carolina Farm Bureau$1,265$1,82844%$563
State Farm$1,251$1,88451%$632
Nationwide$1,135$1,96573%$831
National General$1,539$2,28448%$745
Geico$1,034$2,425135%$1,391
Farmers$1,838$2,69447%$855
Progressive$1,860$2,71646%$855
Allstate$2,339$4,773104%$2,434

Cheapest full coverage car insurance after a DUI conviction in North Carolina

If you’ve recently been convicted of a DUI, you may wonder how it will affect your car insurance rates. Most insurers will view you as a high-risk driver and will charge you higher rates.

The table below shows the insurance companies offering cheap car insurance rates to drivers after a DUI conviction.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
National General$1,539$4,020161%$2,480
Nationwide$1,135$4,249274%$3,114
Erie$1,075$4,492318%$3,417
Kemper$1,071$4,571327%$3,500
North Carolina Farm Bureau$1,265$4,747275%$3,481
State Farm$1,251$5,078306%$3,827
Geico$1,034$6,904568%$5,870
Farmers$1,838$7,125288%$5,287
Progressive$1,860$7,147284%$5,287
Allstate$2,339$9,938325%$7,599

When it comes to car insurance, everyone is always looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you dearly down the road.

Make sure you’re adequately protected and take into account your specific needs before buying an auto insurance policy.

Source:

Methodology

Insure.com gathered the quotes with the help of Quadrant Information Institute. We collected full coverage car insurance rates from major insurance companies for multiple ZIP codes across North Carolina.

The full coverage rates are based on a sample driver profile of a 40-year-old man with a driving record and good credit score.

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Nupur Gambhir
Managing Editor

 
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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.