Car Insurance in North Carolina

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  • How Much is Car Insurance in North Carolina?
  • Real Quotes for Jerry Customers in North Carolina
  • The Cheapest Car Insurance in North Carolina
  • Most Popular Insurance Companies in North Carolina
  • Cost to Insure Different Cars in North Carolina
  • Car Insurance Laws in North Carolina
  • Car Registration Information in North Carolina
Looking for car insurance in North Carolina? Here you’ll find all the information you need on driving a car in The Tar Heel State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Charlotte or Durham, Raleigh or Greensboro — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for North Carolina car insurance.

How Much is Car Insurance in North Carolina?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in North Carolina, here’s what you should know about how much you’ll pay for insurance: On average, drivers in North Carolina pay ${averageAnnualPremium} each year for car insurance. This means drivers in North Carolina pay ${averageAnnualDiff} the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.
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What’s Your Rate?

But how do you know what policy is right for you in North Carolina? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in North Carolina, but also on your credit score, marital status, the kind of car you own, and much more.
Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.
The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry Customers in North Carolina

CreatedCarsCustomerInsurance CompanyMonthly premiumAmount savedType of coverage
March 10, 2021
  • Bmw 330 Xi
22 year old maleProgressive$62.80$107.20Preferred
March 14, 2021
  • Nissan Altima 2.5
53 year old femaleProgressive$72.08$46.92Preferred
January 25, 2021
  • Ford Escape Xlt
50 year old maleNational General$66.74$36.26Preferred
March 19, 2021
  • Ford Focus Se
25 year old femaleProgressive$118.58$15.42Preferred
February 7, 2021
  • Jeep Renegade Latitude
  • Nissan Altima Base
  • Honda Accord Ex
44 year old femaleNational General$126.73$103.27Standard

The Cheapest Car Insurance in North Carolina

Which companies offer cheap car insurance in North Carolina? Below, we’ve ranked North Carolina car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.
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Cheapest Car Insurance in North Carolina for Basic Coverage

There’s all kinds of auto insurance you can get in North Carolina, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by North Carolina. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in North Carolina, as well as real quotes from actual Jerry customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in North Carolina

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RankCompany nameAvg. Annual Premium
1Allstate$798
2Safeco$834
3National General$894
4Nationwide$900
5Progressive$931
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Real Jerry Quotes for Basic Coverage in North Carolina

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
March 27, 2021
  • Hyundai Elantra Se
25 year old maleProgressive$72.48$346.52
March 13, 2021
  • Hyundai Elantra Se
23 year old maleNational General$108.74$343.26
February 2, 2021
  • Gmc Sierra C2500 Heavy Duty
31 year old femaleSafeco$81.82$145.29
January 16, 2021
  • Toyota Scion Fr-s
  • Nissan Altima 2.5
  • Ford F150 Supercrew
45 year old maleNational General$102.04$397.96
April 4, 2021
  • Dodge Durango
  • Honda Civic Lx
20 year old maleProgressive$70.86$127.14

Average Cheapest Car Insurance for Standard Plans in North Carolina

Most drivers will want more than the basic minimum coverage that North Carolina requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.
Below you’ll find the average price drivers are paying for standard insurance coverage in North Carolina, as well as real quotes from actual Jerry customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in North Carolina

Filters
RankCompany nameAvg. Annual Premium
1National General$1,152
2Nationwide$1,234
3Progressive$1,302
4Travelers$1,460
5State Auto$1,461
6Kemper$1,524
7Dairyland$1,632

Real Jerry Quotes for Standard Coverage in North Carolina

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
January 1, 2021
  • Mazda Mx-5 Miata
  • Honda S2000
  • Mercedes-benz C 320
  • Toyota Land Cruiser Hj85
39 year old maleProgressive$70.18$309.82
February 16, 2021
  • Nissan Altima 2.5
19 year old maleProgressive$233.65$132.35
March 6, 2021
  • Bmw 328 Xi Sulev
21 year old maleProgressive$158.48$21.53
March 8, 2021
  • Hyundai Sonata Se
25 year old femaleNational General$58.61$81.39
March 3, 2021
  • Honda Civic Ex
39 year old maleProgressive$54.39$145.61

Cheapest Car Insurance in North Carolina for Preferred Coverage

Preferred coverage protects North Carolina drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.
We were able to look at the average price drivers are paying for preferred insurance coverage in North Carolina, as well as real quotes from actual Jerry customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in North Carolina

Filters
RankCompany nameAvg. Annual Premium
1National General$1,240
2Nationwide$1,340
3Progressive$1,390
4Kemper$1,590
5State Auto$1,655
6Travelers$1,703
7Allstate$2,012

Real Jerry Quotes for Preferred Coverage in North Carolina

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
January 26, 2021
  • Acura Tsx
  • Ford Flex Limited
  • Nissan Altima 2.5
  • Nissan Altima Base
45 year old femaleProgressive$243.57$56.43
February 4, 2021
  • Dodge Journey Crossroad
23 year old maleProgressive$101.97$88.03
January 25, 2021
  • Hyundai Elantra Gls
  • Toyota Corolla Le
  • Dodge Grand Caravan Sxt
  • Chevrolet Silverado C1500 Ltz
26 year old femaleProgressive$262.90$113.10
January 20, 2021
  • Dodge Dart Sxt
  • Chevrolet Cavalier
22 year old maleProgressive$138.41$111.59
January 20, 2021
  • Nissan Versa Note S
32 year old femaleProgressive$79$28
Insurance companyAverage annual premium in North Carolina
Progressive$1,623.25
National General$1,488.55
Nationwide$1,449.21
State Auto$1,825.31
Safeco$1,949.97
Travelers$2,298.84

Cost to Insure Different Cars in North Carolina

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for North Carolina drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in North Carolina. And you can use our table of real quotes from Jerry customers to see what people just like you are paying.
Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
March 3, 2021
  • Toyota Yaris Ia
33 year old femaleProgressive$86.47$53.53Preferred
March 12, 2021
  • Dodge Dakota Quad
43 year old maleNationwide$77.99$15.68Preferred
January 24, 2021
  • Dodge Challenger Sxt
20 year old maleEsurance$94.20$195.80Basic
February 10, 2021
  • Toyota Celica Gt
22 year old maleTravelers$143.05$51.96Preferred
April 1, 2021
  • Infiniti M37
23 year old maleAllstate$50.06$171.94Basic
March 23, 2021
  • Hyundai Sonata Gls
26 year old maleAllstate$50.60$114.40Basic
January 11, 2021
  • Ford Focus Titanium
23 year old maleDairyland$131.56$134.44Standard

Car Insurance Laws in North Carolina

With decent traffic volumes and amazing views like Clingmans Dome, North Carolina is a great place to live, work, and drive. Its drivers are middle of the road in a national comparison, but car accident rates due to speeding are well above average. Whether you’re driving in Charlotte, Raleigh, Greensboro, or beyond, accidents inevitably drive up your car insurance premiums.
If you’re ever in a collision in the Tar Heel State, you’ll be happy to know that car insurance is mandated by a set of state laws. Here’s everything you should know about minimum insurance coverages that North Carolina requires.

What Car Insurance Is Required by Law in North Carolina?

One of the requirements before you can register a car in the state of North Carolina is auto insurance coverage. You must have proof of insurance in your vehicle including: Bodily Injury Liability (BIL), Property Damage Liability (PDL), and uninsured motorist coverage.
As an at-fault state, all costs associated with a car accident in North Carolina are the responsibility of the person found to be at fault. BIL coverage provides compensation to other parties for medical bills, lost wages, ambulance transportation, follow-up doctor’s visits, and medications related to the accident.
PDL insurance operates in a very similar way but for property instead of injuries. Property that has been damaged in the accident can have costs recouped from the at-fault party’s insurance company. That can be anything from lawns and buildings to other vehicles and telephone poles.
The purpose of BIL and PDL insurance coverage is to provide a simple way for those who experienced losses to be reimbursed. However, minimum coverages don’t always provide enough money to cover actual costs, in which case the driver not at fault can sue the at-fault driver for amounts above and beyond.
Despite the laws mandating insurance, around 10% of state residents drive without insurance anyway. Uninsured motorist coverage takes care of your personal expenses if you get into a car accident with a driver who doesn’t have proper insurance.

Can You Drive a Car without Insurance in North Carolina?

As is the case with nearly all states, it’s not legal to drive in the state of North Carolina without minimum auto insurance coverage. Driving without proof of insurance is a costly offense if caught and will result in a fine. First-time offenders must pay $50, a second offence will cost $100, and any subsequent offence will be $150, plus a $50 reinstatement fee.

What Are the Minimum Car Insurance Requirements in North Carolina?

As with almost all U.S. states, North Carolina requires that all drivers maintain minimum insurance amounts when driving a vehicle. It affords protection for both the driver and any motorists’ they may cross paths with, as well as property damage that occurs in an accident.
Minimum Insurance Requirements in North Carolina
  • Bodily injury per person per accident: $30,000
  • Bodily injury per accident: $60,000
  • Property damage liability: $25,000 per accident
  • Uninsured motorist coverage: $25,000

Car Registration Information in North Carolina

Just having the minimum insurance coverage isn’t enough on its own to legally drive in North Carolina. Vehicles must also be registered to operate in the state. If you move to North Carolina, you have 60 days to register a vehicle upon establishing your permanent residency. It must also pass a safety and emissions inspection.
When you initially register a vehicle in North Carolina, a license plate is issued that must be attached to the rear of your vehicle at all times, whether you’re driving or not, at a cost of $6. Registration must be renewed annually and a new safety inspection must be performed within 90 days of the renewal.
Initial registration for vehicles just purchased or for new North Carolina residents must be done at a local DMV office. You’re required to bring your driver’s license, proof of insurance, your car’s title with vehicle identification number, a Declaration of Eligible Risk, your vehicle inspection, an Odometer and Damage Disclosure Statement, and your initial registration fees. For passenger cars, registration fees are $38.75 annually.
Registration renewals are much easier. You can visit the state DMV website to renew your registration using the information sent to you in your notice. If you prefer, you can renew by mail or in person.
Compare cheapest car insurance in North Carolina
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