Key Takeaways
- Dairyland, National General and Safeco offer some of the cheapest car insurance in North Carolina.
- The average cost of minimum coverage in North Carolina is around $100 per month.
- Compare quotes from multiple insurers to find cheap car insurance in North Carolina.
If you need cheap car insurance in North Carolina, consider companies like Dairyland, National General and Safeco. These providers are among the cheapest options, according to real quotes for Jerry customers.
Here are other affordable options for minimum and full coverage. Preview car insurance rates by age, driving history and credit score to determine what you could expect to pay.
Cheap minimum coverage in North Carolina
Minimum coverage is the cheapest option, but won’t pay for damage to your own car.
Here are the most affordable insurers in North Carolina for minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $112 | $1,348 |
| National General | $120 | $1,446 |
| Safeco | $128 | $1,542 |
| Trexis | $140 | $1,682 |
| Progressive | $168 | $2,017 |
| Gainsco | $202 | $2,427 |
| The General | $216 | $2,589 |
| Assurance America | $245 | $2,934 |
| Electric | $245 | $2,935 |
| Bristol West | $269 | $3,225 |
Minimum coverage requirements in North Carolina
Drivers in North Carolina must carry minimum liability and uninsured motorist coverage. These requirements are:
- $30,000 in bodily injury liability per person.
- $60,000 in bodily injury liability per accident.
- $25,000 in property damage liability.
- $30,000 in uninsured motorist per person.
- $60,000 in uninsured motorist per accident.
- $25,000 in uninsured motorist property damage coverage, or UMPD.
However, North Carolina’s requirements will increase this year. Starting July 1, 2025, the required limits will be:
- $50,000 in bodily injury liability per person.
- $100,000 in bodily injury liability per accident.
- $25,000 in property damage liability.
- $50,000 in UM per person.
- $100,000 in UM per accident.
- $25,000 in uninsured motorist property damage coverage, or UMPD.
Cheap full coverage car insurance in North Carolina
Here are the most affordable insurers in North Carolina for full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $204 | $2,451 |
| Dairyland | $225 | $2,705 |
| Embark General | $244 | $2,929 |
| Commonwealth Insurance | $252 | $3,020 |
| Progressive | $252 | $3,025 |
| Safeco | $273 | $3,270 |
| Trexis | $315 | $3,784 |
| Assurance America | $325 | $3,897 |
| Root | $335 | $4,024 |
| Electric | $388 | $4,660 |
Minimum vs. full coverage in North Carolina
Minimum coverage in North Carolina pays for injuries and property damage you cause in a crash. It also covers your injuries and property damage if you’re hit by an uninsured driver.
Full coverage will cover all of that, plus damage to your own car regardless of who caused the wreck. Here’s what full coverage in North Carolina typically includes:
- Liability insurance pays for injuries or property damage you cause in an accident.
- Uninsured motorist coverage pays for your own injuries or property damage if you’re hit by a driver without car insurance.
- Collision coverage pays for damage to your vehicle from an accident, regardless of who was responsible. This coverage typically has a deductible.
- Comprehensive coverage pays for vehicle damage caused by a non-collision event like weather or theft. This coverage typically has a deductible.
If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
Average car insurance costs for young drivers in North Carolina
Young drivers typically pay more for car insurance than older drivers because they have less experience on the road. Below are the average costs of car insurance in North Carolina for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $274 | $3,289 |
| 21-24 | $244 | $2,934 |
Cheap minimum coverage in North Carolina for a 20-year-old
Here are the most affordable insurers in North Carolina for 20-year-olds with minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $133 | $1,597 |
| National General | $181 | $2,170 |
| Progressive | $201 | $2,412 |
| Safeco | $208 | $2,496 |
Cheap full coverage in North Carolina for a 20-year-old
These are the cheapest car insurance companies in North Carolina for 20-year-olds with full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $271 | $3,257 |
| National General | $298 | $3,575 |
| Progressive | $401 | $4,806 |
| Safeco | $686 | $8,229 |
Average auto insurance costs for mature drivers in North Carolina (25-54)
Below are the average costs of car insurance for drivers in North Carolina between the ages of 25 and 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $208 | $2,499 |
| 35-44 | $186 | $2,227 |
| 45-54 | $168 | $2,018 |
Cheapest minimum coverage in North Carolina for a 35-year-old
Below are the cheapest auto insurers in North Carolina for 35-year-olds with minimum coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $88 | $1,050 |
| Trexis | $104 | $1,245 |
| Dairyland | $105 | $1,259 |
| National General | $107 | $1,287 |
| The General | $115 | $1,375 |
Cheapest full coverage in North Carolina for a 35-year-old
Below are the cheapest auto insurers in North Carolina for 35-year-olds with full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $185 | $2,220 |
| Safeco | $192 | $2,300 |
| Dairyland | $208 | $2,497 |
| Progressive | $245 | $2,936 |
| Bristol West | $619 | $7,431 |
Average car insurance costs for older drivers in North Carolina (55+)
Below are the average car insurance costs for drivers in North Carolina 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $169 | $2,029 |
| 65+ | $156 | $1,877 |
Cheapest minimum coverage in North Carolina for a 65-year-old
Here are the most affordable insurers in North Carolina for 65-year-olds with minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $51 | $609 |
| National General | $92 | $1,101 |
| Progressive | $109 | $1,307 |
Cheapest full coverage in North Carolina for a 65-year-old
Here are the most affordable insurers in North Carolina for 65-year-olds with full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $174 | $2,092 |
| Progressive | $198 | $2,381 |
| National General | $200 | $2,400 |
Cheapest car insurance in North Carolina by driving history
Your driving record is a big factor in your auto insurance premium. Drivers with a clean record — like no tickets or accidents — typically pay less than those with violations like speeding tickets or at-fault accidents.
Cheap car insurance for drivers with clean records in North Carolina
These are the cheapest car insurance companies in North Carolina for drivers with clean driving histories, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Commonwealth Insurance | $35 | $421 |
| Embark General | $93 | $1,121 |
| Aspire Advantage | $118 | $1,418 |
| National General | $159 | $1,909 |
| Assurance America | $163 | $1,961 |
Cheapest car insurance with a speeding ticket in North Carolina
Here are the most affordable insurers in North Carolina for those with a speeding ticket, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Commonwealth Insurance | $200 | $2,396 |
| National General | $212 | $2,550 |
| Trexis | $223 | $2,682 |
| Dairyland | $229 | $2,745 |
| Safeco | $230 | $2,764 |
Cheapest car insurance after an at-fault accident with no injury in North Carolina
Below are the cheapest auto insurers in North Carolina for people with an at-fault accident with no injury on their driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $80 | $957 |
| Commonwealth Insurance | $136 | $1,632 |
| National General | $184 | $2,208 |
| Dairyland | $190 | $2,282 |
| Trexis | $196 | $2,355 |
Cheapest auto insurance after an at-fault accident with injury in North Carolina
Here are the most affordable insurers in North Carolina for those with an at-fault accident with injury, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $63 | $755 |
| Dairyland | $198 | $2,371 |
| National General | $199 | $2,383 |
| Safeco | $259 | $3,105 |
| Assurance America | $270 | $3,234 |
Cheapest car insurance with a DUI in North Carolina
Here are the most affordable insurers in North Carolina for those with a DUI, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $80 | $957 |
| Safeco | $148 | $1,770 |
| National General | $227 | $2,727 |
| Progressive | $262 | $3,148 |
| Dairyland | $265 | $3,182 |
Average auto insurance costs for North Carolina drivers with other violations
Below are average car insurance costs in North Carolina for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $280 | $3,363 |
| Cell Phone | $254 | $3,049 |
| Defective Equipment | $174 | $2,082 |
| Driving on Sus. License | $201 | $2,418 |
| Eluding Police | $521 | $6,249 |
Cheapest auto insurance for low credit scores in North Carolina
North Carolina drivers with low credit scores will likely have more expensive insurance costs than those with higher scores. Below are the most affordable insurers in North Carolina for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Gainsco | $119 | $1,426 |
| Aspire Advantage | $138 | $1,651 |
| Bristol West | $141 | $1,697 |
| National General | $184 | $2,210 |
| Dairyland | $187 | $2,239 |
Learn more: How a credit-based insurance score works
How to find cheap car insurance in North Carolina
Compare quotes from multiple insurers to get the cheapest car insurance policy. Rates vary by insurer, so don’t assume your current provider is offering the lowest price.
Compare: The best car insurance companies
Try these tips to lower your car insurance premium:
- Ask your insurer about discounts.
- Install a telematics app on your phone.
- Improve your credit score.
- Pay your policy in full.
- Bundle your home and auto insurance with the same company.
Factors that affect car insurance costs in North Carolina
Insurance companies calculate rates using various factors, including your:
- Age.
- Driving history.
- Vehicle type.
- Credit score
- Claims history.
- Deductible amount.
Learn more: How car insurance rates are calculated
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
