Home Car insurance Car insurance rates by state Low-cost car insurance in North Carolina Low-cost car insurance in North Carolina Based on our analysis, Erie Insurance has the most affordable car insurance rates in North Carolina. 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: September 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 lowest car insurance rates in North Carolina at $1,082 a year. The average premium is $145 per month in North Carolina, though your actual rate may vary. Car insurance requirements differ by state. In North Carolina, drivers are required to carry at least the minimum liability coverage: $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage per accident.Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.Below, you’ll find which insurance companies are the most affordable for different categories. Key Takeaways Erie Insurance offers the lowest car insurance rates in North Carolina, at $1,082 per year, which is about 38% the state average.State Farm has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $1,692.The ZIP code 28745 has the low-cost car insurance rates in North Carolina, at an average annual rate of $1,477. Low-cost car insurance companies in North CarolinaErie Insurance offers the lowest car insurance rates in North Carolina, with an average annual premium of $1,082 per year. It’s 38% less expensive than the average car insurance cost in North Carolina. Your actual rate 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 from low-cost 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 low-cost car insurance companies in North Carolina 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined ZIP codes with the cheapest car insurance in North CarolinaIn North Carolina, drivers living in the 28745 ZIP code enjoy the lowest average annual premium at $1,477. Check the table below to see which other ZIP codes in the state have more affordable rates.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: 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 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 cityCharlotteDurhamRaleigh Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Low-cost car insurance in North Carolina by ageTeen drivers in North Carolina pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $3,633 more than a 40-year-old driver in North Carolina.The table below shows low-cost car insurance rates for 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:Low-cost car insurance in North Carolina by driver historyYour driving record is one of the biggest factors in your insurance price. Tickets or accidents will raise your premium, while drivers with clean records are considered lower risk and typically receive more affordable coverage.Low-cost car insurance after a speeding ticket in North CarolinaOne speeding ticket in North Carolina can cause your insurance rates to jump by 47%, or roughly $820 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.CompanyAverage annual premiumNew rate after accident% Increase$ 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:Low-cost car insurance after an accident in North CarolinaBeing at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. State Farm is the lowest-cost option for these drivers, with an average annual premium of $1,692.If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.CompanyAverage annual premiumNew rate after accident% Increase$ 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%$2,817Powered by:Low-cost car insurance after a DUI in North CarolinaBeing labeled a high-risk driver after a DUI usually means paying much more for car insurance. However, some insurers are less expensive than others. The table below shows which companies in North Carolina offer the most affordable rates after a DUI conviction.CompanyAverage annual premiumNew rate after accident$ 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 cost of car insurance North Carolina Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.In North Carolina, the average cost of full coverage is $154 less compared to the national averageWe recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.What is full coverage car insurance?Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.If you lease or finance your vehicle in North Carolina, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.The bottom line on saving and staying protectedIt’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance 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 violations 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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Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Low-cost car insurance companies in North CarolinaHow we choose low-cost car insurance companies in North CarolinaZIP codes with the cheapest car insurance in North CarolinaLow-cost car insurance in North Carolina by ageLow-cost car insurance in North Carolina by driver historyAverage cost of car insurance North CarolinaWhat is full coverage car insurance?The bottom line on saving and staying protectedMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330