Learn how to get the most for your money in NC.


Every state has different requirements when it comes to car insurance. While understanding North Carolina car insurance quotes from different providers may seem difficult, our review team can show you what exactly determines your quote and why it is different from person to person.

To help you make the best decision for your car and your budget, we’ll answer your questions about the cost of car insurance coverage in the Tar Heel State and recommend a few top providers to help you make the best decision about your car insurance coverage in NC.

Use our quote comparison tool below to get started by simply entering your zip code. Or call our team at (855) 518-0148 to get free, personalized quotes seven days a week to start saving money today.


In this article:

Whether you are getting car insurance quotes in NC for new to car insurance or looking to switch providers, we encourage you to compare car insurance quotes from several different providers to be sure you’re getting coverage for the best possible price. To give you an overview of car insurance providers, our review team evaluated 30 of the best auto insurance providers based on financial strength, availability, customer service, cost and discounts, coverage, and technology. Read our review of the best car insurance companies to learn more about our top picks.


North Carolina Auto Insurance Requirements

In North Carolina, the minimum liability limits are 30/60/25, which means drivers are required to have at least:

  • $30,000 in bodily injury liability per person
  • $60,000 in bodily injury liability per accident
  • $25,000 in property damage liability

In addition to the minimum requirements, motorists can elect to purchase other types of car insurance to protect themselves in various situations. When shopping for auto insurance quotes in NC, you may be able to purchase:

What Affects Car Insurance Quotes In NC?

Car insurance companies take many factors into account when determining the price of your motor vehicle insurance premium and quotes. Some of these factors include:

  • Your age, gender, and marital status
  • Your driving record
  • Where you live
  • Type of vehicle you want to insure
  • Annual amount of miles you drive

How Much Is Car Insurance Per Month In NC?

The average monthly auto insurance rate in North Carolina is less than the national average. In 2017, NC drivers had an average annual expenditure of $$705.56  – which breaks down to around $58.79 per month – according to the National Association of Insurance Commissioners (NAIC). The national average for the year was $$1,004.68, or around $83.72 per month.

Here’s a breakdown of the coverage costs that year based on data from the Insurance Information Institute:

Type of Coverage Average Annual Expenditure in 2017
Liability coverage


Collision coverage $333.60
Comprehensive coverage $133.49
Total cost $705.56

*To calculate average expenditures, NAIC assumed that all insured vehicles would carry liability coverage but not necessarily collision or comprehensive. Total cost per year measures what consumers actually spent.

Your own rate may be higher or lower depending on the insurance company you choose, the amount of coverage, and the personal and vehicle information discussed above.

How To Get the Cheapest Car Insurance For North Carolina

Liability insurance in NC varies in price, but in general there are some steps you can take to make North Carolina car insurance quotes more affordable. To save money:

  • Ask about discounts: Most insurance providers offer discounts for everything from being a good student to being a safe driver. Be sure to ask your insurance agent if there are any discounts you qualify for.
  • Improve your credit score: Car insurance companies could use your credit score to determine risk. If you have a good credit score, data from the Federal Trade Commission suggests that you will make fewer claims than someone with poor credit. Improving your credit score over time can lead to cheaper car insurance quotes in NC.
  • Bundle home and auto policies: Many insurance providers offer more than just car insurance. When you purchase multiple policies under the same insurer, be sure to ask about bundling discounts. Combining your policies like home and auto insurance could get you better insurance rates on both.

What If I Can’t Afford The Minimum In North Carolina?

Drivers caught operating a vehicle without proper proof of insurance in North Carolina could face serious penalties.

First Offense

Second Offense

Third And Subsequent Offenses

$50 fine

$100 fine

$150 fine

License and registration suspension
for 30 days

License and registration suspension
for 30 days

License and registration suspension
for 30 days

Reinstatement fee of $50 to get license and registration returned

Reinstatement fee of $50 to get license and registration returned

Reinstatement fee of $50 to get license and registration returned

A probation period of 1 to 45 days

Jail time or 1- to 45-day probation period

Jail time or 1- to 45-day probation period


Top Picks For North Carolina Car Insurance Quotes

Whether you live in Charlotte, Raleigh, Durham, or Wilmington, if you’re a resident of the Tar Heel State looking for cheap auto insurance quotes in North Carolina, it’s smart to shop around and compare car insurance quotes from multiple providers to ensure you’re getting the best price. We recommend drivers in North Carolina consider Geico and Progressive – both of which earned 4.5 out of 5.0 stars in our reviews.

Geico Insurance Quotes

Our recommendation for best overall car insurance nationwide is also our first choice for North Carolina auto insurance quotes. Geico car insurance has a strong reputation among industry experts and satisfied customers. The company has an A++ (superior) financial strength rating from AM Best and an A+ rating from the Better Business Bureau (BBB).

If you’re looking for the cheapest car insurance coverage, Geico has discounts for federal employees, safe drivers, good students, drivers with anti-theft vehicle technology, and more. When you reach out for a quote, make sure to ask what discounts you are eligible for.

Progressive Insurance Quotes

We reviewed Progressive auto insurance and found it to offer great insurance options for drivers in their 20s and drivers with DUIs in their driving history. Progressive is one of the biggest providers in the United States thanks to its affordable car insurance coverage. It has received thousands of positive reviews from satisfied customers and high ratings from industry leaders.

In addition to the standard types of motor vehicle insurance, you can get things like roadside assistance, rental car reimbursement, and custom parts and equipment coverage with Progressive. Policies from Progressive also have many money-saving features like the deductible savings bank, and the Name Your PriceⓇ tool quickly lets you find a plan to fit your budget.

To start comparing car insurance quotes in NC and save money, enter your zip code in the simple tool below or call (855) 518-0148.


Read our other insurance articles: