Home Car insurance Car insurance rates by state Cheapest car insurance in North Carolina Cheapest car insurance in North Carolina Erie Insurance has the cheapest car insurance rates for North Carolina drivers at $1,082 a year, based on Insure.com's data study. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: May 23, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Erie Insurance provides the cheapest car insurance in North Carolina at $1,082 a year. Your rates may vary, but the average premium is $145 per month in North Carolina, according to Insure.com’s rate analysis.Car insurance requirements vary by state, and in North Carolina, drivers must carry at least the minimum liability coverage: $30,000 for bodily injury protection per person, $60,000 of bodily injury coverage per accident, and $25,000 for property damage per accident. However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.Below, you’ll find which insurance companies are the most affordable for different categories. Cheapest overall: Erie Insurance $1,082/year National avg. rate Cheapest for at-fault accident: State Farm $1,692/year Avg. rate after an at-fault accident Cheapest for speeding ticket: State Farm $1,644/year Avg. rate after speeding ticket Key Takeaways Erie Insurance offers North Carolina drivers the cheapest car insurance rate at $1,082 annually, which is around 38% lower than the state’s average cost.In North Carolina, you can find the cheapest car insurance from State Farm at an annual cost of $1,692, even if you have a history of at-fault accidents.Based on Insure.com’s analysis, the 28745 ZIP code has the cheapest car insurance rates for North Carolina drivers, with an average cost of $1,477 a year. Cheap car insurance companies in North CarolinaErie Insurance offers the cheapest car insurance in North Carolina, with an average price of $1,082 per year. It’s 38% less expensive than the average 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 the cheapest car insurance companies.CompanyAverage annual ratesErie Insurance$1,082State Farm$1,180North Carolina Farm Bureau$1,217Nationwide$1,513GEICO$1,617Penn National Insurance$1,872Farmers$2,028Progressive$2,028Utica National Insurance Group$2,070Allstate$2,994Powered by: How we choose the cheapest car insurance companies in North Carolina 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined Cheapest ZIP codes for car insurance in North CarolinaThe cheapest ZIP code for car insurance in North Carolina is 28745, with an average annual cost of $1,477. Find below the most affordable ZIP codes for auto insurance rates in North Carolina.ZIP codeCityAverage annual rates28745Lake Junaluska$1,47728905Marble$1,48828753Marshall$1,48928719Cherokee$1,49028741Highlands$1,49428783Tuckasegee$1,49428771Robbinsville$1,49728734Franklin$1,49828904Hayesville$1,49928763Otto$1,499Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in North Carolina by cityCharlotteDurhamRaleighCheapest car insurance in North Carolina by ageIn North Carolina, young drivers often face higher insurance premiums than adults due to their higher likelihood of being involved in accidents and filing claims. According to an analysis by Insure.com, a 16-year-old driver pays $3,633 more for insurance than a 40-year-old driver.Below are the cheapest auto insurance rates for North Carolina drivers of different ages.Age groupFull coverage annual premiumsTeens (16-19)$3,909Young Adults (20-24)$2,029Adults (25-60)$1,737Seniors (65-75)$1,731Powered by: You might find interesting Average car insurance cost in North CarolinaDo you need insurance to register a car in North Carolina?How long does a speeding ticket stay on your record in North CarolinaHow much car insurance costs in North Carolina vs. South CarolinaNon-owner auto insurance in North Carolina: Which company has the cheapest rates?North Carolina car insurance calculatorThe best, cheapest car insurance in North CarolinaBest and cheapest companies for home and auto bundles in North Carolina Cheapest car insurance in North Carolina by driver historyYour driving history is one of the main factors insurers look at when determining insurance rates. If you are responsible for a car accident or are 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 car insurance.Cheapest car insurance after a speeding ticket in North CarolinaHere are the top three companies that offer cheap car insurance after a speeding ticket:State Farm: $1,644 per yearErie Insurance: $1,682 per yearNorth Carolina Farm Bureau: $1,730 per yearAccording to Insure.com data, a single speeding ticket can increase your rates by 47% or $820 in North Carolina.Getting a speeding ticket can be costly. You will have to pay a fine, and your insurance rates may go up. If you’re looking for the cheapest car insurance costs in North Carolina, below are some insurers that offer cheap car insurance after a speeding ticket.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseState Farm$1,180$1,64439%$464Erie Insurance$1,082$1,68255%$600North Carolina Farm Bureau$1,217$1,73042%$513Nationwide$1,513$2,11340%$600GEICO$1,617$2,53857%$921Progressive$2,028$2,83740%$809Farmers$2,028$2,85641%$828Allstate$2,994$4,56252%$1,568Powered by: Cheapest car insurance after an accident in North CarolinaHere are the top three companies that offer cheap car insurance after an accident:State Farm: $1,692 per yearErie Insurance: $1,730 per yearNorth Carolina Farm Bureau: $1,781 per yearState Farm offers the cheapest car insurance rates to drivers after an at-fault accident at about $1,692 a year.If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find better rates.Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseState Farm$1,180$1,69243%$512Erie Insurance$1,082$1,73060%$648North Carolina Farm Bureau$1,217$1,78146%$564Nationwide$1,513$2,90492%$1,391Progressive$2,028$2,91744%$889Farmers$2,028$2,93845%$910GEICO$1,617$3,583122%$1,966Allstate$2,994$5,81194%$2,817Powered by: Cheapest car insurance after a DUI conviction in North CarolinaBelow, you’ll find the top three companies that offer cheap car insurance after a DUI conviction:State Farm: $4,387 per yearErie Insurance: $4,528 per yearNationwide: $5,629 per yearIf you’ve been convicted of a DUI, you may wonder how it will affect your car insurance rates. Most insurers will view you as a high-risk driver and will charge you higher rates.The table below shows the insurance companies offering cheap car insurance rates to drivers after a DUI conviction.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseState Farm$1,180$4,387$3,207272%Erie Insurance$1,082$4,528$3,446318%Nationwide$1,513$5,629$4,116272%North Carolina Farm Bureau$1,217$7,263$6,046497%GEICO$1,617$7,299$5,682351%Progressive$2,028$7,524$5,496271%Farmers$2,028$7,656$5,628277%Allstate$2,994$12,405$9,411314%Powered by: Average car insurance cost in North CarolinaFull coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. The average cost of full coverage car insurance in North Carolina is $154 less than the national average car insurance rates in the U.S.There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that you should carry 100/300/100 coverage limits.What is full coverage car insurance in North Carolina?Full coverage car insurance includes bodily injury liability, property damage liability, as well as comprehensive and collision coverage. Collision insurance protects your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance covers damage caused by non-collision events like weather or theft.If you lease or finance a car in North Carolina, your lender may require you to buy collision and comprehensive insurance in addition to the state-required liability coverage.Final thoughtsWhen it comes to car insurance, everyone is looking for ways to save on premiums. However, cutting back on coverage to save a little money now could result in much higher costs later.Before purchasing an auto insurance policy, consider your specific needs to ensure you purchase adequate insurance coverage. Since car insurance rates differ, it’s important to compare quotes from various companies to find the most affordable coverage in North Carolina.MethodologyInsure.com gathered data from Quadrant Information Services to get car insurance rates in North Carolina. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)We determined the premiums for a high-risk driver with the following incidents applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWest VirginiaWisconsinWyomingShow more In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in North CarolinaHow we choose the cheapest car insurance companies in North CarolinaCheapest ZIP codes for car insurance in North CarolinaCheapest car insurance in North Carolina by ageCheapest car insurance in North Carolina by driver historyAverage car insurance cost in North CarolinaFinal thoughtsMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330