Car Insurance in North Carolina

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Looking for cheap car insurance in North Carolina?

Thanks to its largely rural population and state laws that create insurance caps, car insurance rates in North Carolina tend to be fairly affordable.
Insurance companies take different variables into account when calculating your rate. Location is just one factor that goes into the equation, and every provider uses a different formula. So whether you live in Charlotte, Jacksonville, Greensboro or anywhere else in North Carolina, shopping around is the best way to find a great rate.
That’s where the insurance comparison and broker app Jerry comes in. Jerry saves you the hassle of calling up multiple providers by generating quotes from dozens of them in less than a minute. Once you make your selection, Jerry acts as your own personal broker—taking care of the switchover and even helping to cancel your old policy.
Want proof? Here are some quotes from real Jerry customers in North Carolina:
Quote DateCarCityNameAgeCarrier
Before Jerry
After Jerry
April 4, 2022Mazda 5Fuquay-VarinaAugusta J.23National General$181/mo.$63/mo.
March 31, 2022Acura MDX AdvanceRaleighTyler R.39National General$119/mo.$93/mo.
March 28, 2022Mitsubishi Outlander Sport ESCantonHulda T.36National General$118/mo.$93/mo.
March 28, 2022Infiniti G35CharlotteArthur H.50National General$235/mo.$109/mo.
March 29, 2022Jeep Renegade SportHigh-PointEsther C.24Dairyland$310/mo.$209/mo.
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How much does car insurance cost in North Carolina?

The average cost of basic liability car insurance in North Carolina is $1,682 per year. Opting for full-coverage car insurance in North Carolina will leave you with an average cost of $1,834 per year.

How does the annual cost in North Carolina compare to the rest of the country?

In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.
Car insurance isn’t very expensive in North Carolina, but there are some factors that keep it from being lower:
  • High accident rates—the fifth-highest in the country based on 2019 data
  • Severe weather that brings hurricanes and flooding to the state
  • Moderate uninsured driver rate of about 10%
Here’s how the insurance savings with Jerry in North Carolina compare to nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
NC$2,273$1,422$2,422$1,426$2,292$1,482
National Average$2,436$1,660$2,306$1,382$2,659$1,973
NCNational Average
All Coverage Before Jerry
$2,273$2,436
All Coverage After Jerry
$1,422$1,660
Minimum Coverage Before Jerry
$2,422$2,306
Minimum Coverage After Jerry
$1,426$1,382
Full Coverage Before Jerry
$2,292$2,659
Full Coverage After Jerry
$1,482$1,973
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Top auto insurance providers in North Carolina

North Carolina has a healthy insurance landscape with lots of reputable providers to choose from. These include big names like State Farm, Nationwide, and Allstate.
Choosing the right insurer can feel like a daunting task. Each company has its own way of calculating premiums, so you could end up with completely different rates from each company you inquire with—even for the same coverage.
Some of the main factors that influence your final premium include your age, driving record, location, and (of course!) vehicle. If you drive a Mercedes-Benz G-class, for example, you’re going to be paying a lot more for full-coverage insurance than you would for a Honda CR-V because more expensive cars cost more to insure.
Jerry customers have found some great deals with various insurance companies in North Carolina. Take a look:
Insurance Company
Average Cost
Annual Savings with Jerry
National General$2,604$1,093Compare Prices
Dairyland$3,093$1,087Compare Prices
State Auto$2,639$1,037Compare Prices
Clearcover$2,421$931Compare Prices
Safeco$2,772$881Compare Prices
Nationwide$2,284$853Compare Prices
Allstate$2,641$792Compare Prices
Travelers$2,299$706Compare Prices
Kemper$1,986$481Compare Prices
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What car insurance do you need in North Carolina

Most states have mandatory insurance minimums that drivers have to meet before getting on the road. In North Carolina, you need at least the following:
CoverageAmountDescription
Bodily injury liability$30,000 per person / $60,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$25,000 per accidentCovers the costs associated with damage you cause to other people’s vehicles or property
Driving without insurance is a definite no-no. If you get caught, penalties include:
  • Fine of up to $150
  • Suspension of license + reinstatement fee of $50
  • Suspension of registration for 30 days
  • Jail time or probation for up to 45 days
  • Financial liability in the event of an accident
Legally speaking, you just need minimum liability insurance to drive, buying as much insurance as you can afford is a good idea. Here are some coverage options:
CoverageDescription
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Uninsured motorist coverageReimburses you for your expenses from an accident caused by an uninsured driver
Personal injury protectionCovers medical expenses, lost wages, and rehabilitation costs after an accident
Rental reimbursementReimburses you for your rental car expenses while your car is being repaired after a claimable accident
Once you’re ready to find a policy, Jerry can help.
Jerry is a comparison shopping app and licensed insurance broker that takes all the hard work out of shopping around for good rates. After compiling quotes from more than 50 insurance providers like Travelers and Safeco, Jerry will handle all the paperwork and phone calls to finalize your new policy.
Now that you know what type of insurance you need, let’s break down the factors that impact the cost.

How is your cost of car insurance determined in North Carolina?

Many factors contribute to your final insurance rate, but the main ones include your age, driving record, location, and vehicle type.

Cost to insure your car in North Carolina by age

Insurers value experience. The younger you are, the less experience you have—and this is reflected in high insurance premiums for drivers under the age of 25.
What young drivers in North Carolina need to know
  • North Carolina has a graduated licensing program and mandates that young drivers complete an approved driver’s education course
  • Demonstrating safe driving habits using a telematics device can help young drivers secure lower rates
  • Maintaining a good average can qualify student drivers for a good student discount
If you’re a young driver, don’t despair. While you’re unlikely to find the same low premiums as your parents’, shopping around and maintaining a clean driving record can help you secure the lowest rates you’re eligible for.
No matter your age, comparison shopping with Jerry is the best place to start. Here are the average rates for drivers by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$2,704$1,025
21-24$2,716$1,032
25-34$2,447$940
35-44$2,351$916
45-54$2,188$866
55-64$2,202$917
65+$2,113$823
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Cost to insure your car in North Carolina with a poor driving record

Insurers also value low-risk drivers and reward them with lower premiums. If your driving record is spotty and includes things like speeding tickets, accidents, and offenses like reckless driving, you should expect high North Carolina car insurance rates for at least three years.
So, can you save money on car insurance if you have driving violations? You can—and using Jerry to compare rates and find the best deal is where you should start.
Here’s just a sample of the savings that Jerry customers with poor driving records have found:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,540$923
Illegal Turn$3,400$1,479
Suspension$3,161$1,422
Careless Driving$3,083$1,334
Driving on Sus. License$3,416$1,229
Eluding Police$3,499$1,169
DUI$2,725$1,153
Speeding over 15$2,961$1,146
Passing School Bus$3,372$1,143
Speeding under 15$2,949$1,093
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Cost to insure your car in North Carolina based on where you live

While about 10.5 million people call North Carolina home, almost 40% of the population lives in rural areas. The state has a fairly low population density, though drivers in cities like Raleigh and Charlotte may pay more since urban centers have higher rates of accidents, thefts, and claims.
North Carolina is a hot spot for severe weather like tropical storms, flooding, and droughts. These weather events are becoming increasingly common and result in vehicle damage—and payouts from insurance companies. If you live in an area affected by inclement weather, you may also find above-average premiums.
These are the top 10 cheapest cities for car insurance in North Carolina:
City
Average Cost
Annual Savings with Jerry
Cary$2,262$873
Charlotte$2,528$957
Concord$2,614$884
Durham$2,642$1,016
Fayetteville$2,522$929
Greensboro$2,486$973
Jacksonville$2,352$920
Raleigh$2,384$959
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Cost to insure your car in North Carolina based on the type of car you drive

Finally, let’s look at how your car affects your insurance rate. Generally speaking, relatively inexpensive cars come with lower insurance premiums because they cost less to repair or replace if you’re in an accident. Driving less can also save you money, since you’re less likely to make a claim.
This means that if you drive an affordable car like a Nissan Sentra or Ford Escape, you’ll likely pay less for full-coverage insurance than if you drive something pricier, like an Acura TSX.
Here’s what it costs to insure some popular makes and models with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Nissan Altima 2.5$2,434$1,465
Honda Civic LX$2,173$1,345
Hyundai Elantra SE$2,483$1,302
Ford Fusion SE$2,225$1,289
Toyota Corolla L$2,044$1,071
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How to save money on car insurance in North Carolina

While insurance rates in the Tar Heel State are typically quite affordable, saving a little more money is never a bad thing. Here are some easy ways to do it.

Shop around for quotes

Comparison shopping is the best way to find a good deal on your car insurance—but it can be a royal pain. Between online forms and follow-up sales calls, the savings don’t always feel worth it.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. All you need to do is sign up and answer a few simple questions. Then, Jerry finds you the best rates from 50+ insurers in your area, helps you make the switch to the policy of your choice, and even monitors your rates before renewal.
The average Jerry customer saves $879 per year on car insurance!

Look for discounts

Almost all insurance companies offer discounts to drivers who meet certain criteria. Sometimes, you can even stack the discounts for some extra savings.
Here are some of the most popular ones for drivers in North Carolina:
Discount typeWho is eligible?
Safe driving discountMost insurers offer an automatic 5% (or so) discount if you agree to share certain information with them through an app or telematics device. Once they assess your habits, you can see additional savings of up to 30% for good driving.
Good driving discountIf you have a clean record with no at-fault accidents and no moving violations, most car insurance companies will reward you with a discounted premium.
Multi-line discountBy insuring multiple products with the same insurer, you can usually save up to 12% on each. Possible bundles include auto, home, renter’s, condo, life, and health insurance.
Safety feature discountCars with safety features like multiple airbags and anti-lock brakes may be eligible for sayings of up to 30%, depending on the insurer.
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Increase your deductible

Increasing your deductible will reduce the cost of your annual car insurance. But it’s not always a responsible thing to do.
Your deductible is the amount you pay out of pocket for a claim before your insurance company covers the rest. You should only increase it if you can afford to pay the deductible in full each time you have to make a claim.

Registering your car in North Carolina

To register a car in North Carolina, bring the following to the DMV:
  • Valid driver’s license or ID card
  • Proof of insurance
  • Proof of sales tax payment
  • Car title or signed lease agreement
  • Smog check certificate
  • Safety inspection certificate
In North Carolina, you must renew your vehicle registration annually. You can do it online, by mail, or in person at a DMV office.

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