Auto insurance in North Carolina averages $1,446/year per year, but rates vary widely by city and driving record. Compare free quotes from top insurers serving Charlotte, Raleigh, Greensboro and all of North Carolina β no personal info required to browse.
| Insurer | Avg. Annual Rate | Best For | AM Best Rating | Available in NC |
|---|---|---|---|---|
| π GEICO Lowest Rates | ~$1,200/yr | Budget drivers | A++ | β Yes |
| State Farm | ~$1,480/yr | Good drivers | A++ | β Yes |
| β Progressive High-Risk Drivers | ~$1,610/yr | SR-22 / DUI | A+ | β Yes |
| Allstate | ~$1,900/yr | Full coverage | A+ | β Yes |
| USAA | ~$1,100/yr | Military families | A++ | β Yes |
| Travelers | ~$1,350/yr | Multi-policy | A++ | β Yes |
North Carolina requires 30/60/25 minimum liability coverage.
We analyze APR, fees, loan amounts, and availability specifically for North Carolina residents. All comparisons are updated monthly.
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Our North Carolina data is refreshed every month to reflect current rates, offers, and lender availability in your state.
The average cost of auto insurance in North Carolina is $1,446/year. Rates vary based on your city, driving record, vehicle, and coverage level. Urban areas like Charlotte tend to have higher rates.
North Carolina requires 30/60/25 minimum liability coverage.
In North Carolina, you can lower your auto insurance rate by bundling with home insurance (saves 10β25%), maintaining a clean driving record, raising your deductible, and comparing quotes from multiple insurers annually.
North Carolina requires 30/60/25 minimum liability coverage. Comparing quotes from multiple insurers is the best way to ensure you get the required coverage at the lowest price.