Kemper Independence offers the cheapest car insurance rates in North Carolina for full coverage, at $874 annually, or $73 per month. Whereas USAA is rated as the best car insurance company in North Carolina, based on Insurance.com's analysis.
There are a lot of different car insurance companies in North Carolina, and it can be tough to choose the one that suits your needs. Plus, car insurance rates can vary a lot from company to company. So how do you know which company is the best and cheapest for you?
To get the best rates, always compare quotes from multiple insurers. Factors such as your age, driving history, vehicle, and location significantly affect how much you pay for auto insurance.
- USAA offers the best car insurance rates in North Carolina among the companies analyzed by Insurance.com.
- In North Carolina, Kemper Independence provides the cheapest car insurance at $874 per year.
- Car insurance rates differ with various driving profiles. Kemper Independence offers the cheapest car insurance prices for drivers with poor credit.
- Kemper Independence has the cheapest car insurance rates for any driver with a DUI in North Carolina. The insurance premium is $3,592 per year.
- Best car insurance companies in North Carolina
- Cheapest car insurance companies in North Carolina
- Cheapest car insurance for teens in North Carolina
- Cheapest car insurance for young drivers in North Carolina
- Cheapest car insurance for adults in North Carolina
- Cheapest car insurance for seniors in North Carolina
- Cheapest car insurance rates in North Carolina by driving record
- Average cost of car insurance in North Carolina
Best car insurance companies in North Carolina
USAA is the best car insurance company in North Carolina with a 4.6 auto star rating, highest among the companies surveyed.
Experts at Insurance.com have analyzed the companies and compiled data from across North Carolina to help you make an informed decision. The table below shows the auto star rating for the insurers we have rated as the best car insurance companies in North Carolina.
| Company | Auto star ratings |
|---|---|
| USAA | 4.6 |
| State Farm | 4.4 |
| Liberty Mutual | 4.0 |
| Nationwide | 3.7 |
| Erie | 3.6 |
| Farmers | 3.6 |
| Auto-Owners | 3.5 |
| Progressive | 3.4 |
| MetLife | 3.4 |
| Safeco | 3.0 |
Cheapest car insurance companies in North Carolina
Kemper Independence is the cheapest car insurance company in North Carolina that offers full coverage car insurance at an average rate of $874 annually or $73 a month.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Kemper Independence | $874 | $73 |
| Erie Ins Exchange | $1,013 | $84 |
| Government Employees | $1,065 | $89 |
| Nationwide of Am | $1,080 | $90 |
| State Farm Mutl Automobile Ins | $1,106 | $92 |
| Metropolitan P&C | $1,756 | $146 |
| Progressive Premier | $1,776 | $148 |
| Allstate P&C | $1,881 | $157 |
Cheapest car insurance for teens in North Carolina
State Farm offers the cheapest car insurance for teens in North Carolina at about $2,190 a year. Teenagers pay higher rates for car insurance than experienced drivers. The cost of car insurance for an 18-year-old driver is much more than it is for drivers age 30.
Find below average annual premium of cheapest auto insurance companies in North Carolina for teens.
| Company | Average annual premium |
|---|---|
| State Farm Mut Auto | $2,190 |
| Government Employees | $2,220 |
| North Carolina Farm Bur Mut | $2,371 |
| Progressive Southeastern | $3,340 |
| Allied Prop & Cas | $3,399 |
| Allstate Prop & Cas | $5,141 |
Cheapest car insurance for young drivers in North Carolina
Government Employees is the cheapest car insurance company for young drivers in North Carolina. Its average annual premium is $941 annually or $78 a month. On average, insurance rates for most people go down as they get older. People usually see a substantial drop in rates when they turn 25.
| Company | Average annual premium |
|---|---|
| Government Employees | $941 |
| North Carolina Farm Bur Mut | $1,190 |
| Progressive Southeastern | $1,606 |
| State Farm Mut Auto | $1,812 |
| Allied Prop & Cas | $2,141 |
| Allstate Prop & Cas | $2,717 |
Cheapest car insurance for adults in North Carolina
Government Employees offers the cheapest car insurance for adults in North Carolina for a full coverage policy with an average annual premium of $945 annually. The age group 25-55 pay lower rates than teen and young drivers because insurance companies see people of these age groups as experienced. And they are less likely to be involved in accidents and file insurance claims thus leading to less expensive car insurance premiums.
| Company | Average annual premium |
|---|---|
| Government Employees | $945 |
| North Carolina Farm Bur Mut | $1,154 |
| State Farm Mut Auto | $1,211 |
| Allied Prop & Cas | $1,510 |
| Progressive Southeastern | $1,606 |
| Allstate Prop & Cas | $2,036 |
Cheapest car insurance for seniors in North Carolina
Government Employees is the cheapest car insurance company for seniors in North Carolina. Its average annual premium is $1,041 a year or about $87 a month. It's common for drivers to see their rates go up as they enter the senior years of their lives. However, shopping around can help them save hundreds of dollars annually.
| Company | Average annual premium |
|---|---|
| Government Employees | $1,041 |
| North Carolina Farm Bur Mut | $1,128 |
| State Farm Mut Auto | $1,179 |
| Allied Prop & Cas | $1,431 |
| Progressive Southeastern | $1,606 |
| Allstate Prop & Cas | $1,761 |
Cheapest car insurance rates in North Carolina by driving record
Location does matter, but it's not the only thing that impacts your car insurance rates. Your driving record also has an effect on how much you pay for coverage. A clean record doesn't necessarily mean lower premiums, but it may help persuade the insurer to give you a better deal than someone with a speeding ticket or accident record.
The best way to find affordable coverage in North Carolina is by comparing the rates of different insurance companies. Even if you have a bad driving history, there are companies that offer cheap rates for drivers in North Carolina.
Cheapest auto insurance for drivers with poor credit: Kemper Independence
Kemper Independence is the cheapest auto insurance company for drivers with poor credit. It offers car insurance policies to North Carolina drivers at an average of $1,317 a year.
Compare average annual premium of cheapest car insurance companies in North Carolina for drivers with poor credit.
| Company | Average annual premium |
|---|---|
| Kemper Independence | $1,317 |
| Government Employees | $1,419 |
| Nationwide | $1,442 |
| Erie Ins | $1,535 |
| Metropolitan | $1,760 |
| Progressive | $1,780 |
| State Farm | $2,827 |
| Allstate | $3,739 |
Cheapest auto insurance for drivers with a speeding ticket: Kemper Independence
Kemper Independence offers the cheapest car insurance for drivers with a speeding ticket at about $1,462 annually for a full coverage auto insurance policy. When you receive a speeding ticket, your car insurance rates will go up for 3-5 years. Each insurance company uses different ways to calculate rates. Make sure you compare price quotes from different insurance providers to get the best deal.
| Company | Average annual premium |
|---|---|
| Kemper Independence | $1,462 |
| Erie Ins | $1,631 |
| Nationwide | $1,661 |
| Metropolitan | $1,760 |
| State Farm | $1,791 |
| Government Employees | $1,852 |
| Progressive | $2,520 |
| Allstate | $3,024 |
Cheapest auto insurance after an at-fault accident: Kemper Independence
Kemper Independence has the cheapest auto insurance rate for drivers after an at-fault accident with an average of $1,474 per year. An accident stays on your driving record for 3-5 years, but comparison shopping can help you get cheap car insurance rates.
| Company | Average annual premium |
|---|---|
| Kemper Independence | $1,474 |
| Erie Ins | $1,821 |
| State Farm | $2,017 |
| Nationwide | $2,134 |
| Metropolitan | $2,796 |
| Progressive | $2,815 |
| Government Employees | $3,574 |
| Allstate | $4,664 |
Cheapest auto insurance after a DUI: Kemper Independence
The cheapest auto insurance company for drivers after a DUI is Kemper Independence . It offers auto insurance at about $3,592 a year or $299 a month.
If you have a DUI conviction, you are considered a high-risk driver to insurers. Your rates will go up, but comparison shopping might help you get cheap auto insurance.
| Company | Average annual premium |
|---|---|
| Kemper Independence | $3,592 |
| Erie Ins | $4,383 |
| Nationwide | $4,472 |
| State Farm | $4,960 |
| Government Employees | $6,443 |
| Metropolitan | $6,792 |
| Progressive | $6,811 |
| Allstate | $8,851 |
Average cost of car insurance in North Carolina
The average annual cost of car insurance in North Carolina for a full coverage policy is $1,319. For full coverage, the recommended coverage limits for North Carolina drivers is 100/300/100, where $100,000 is for bodily injury coverage per person, $30,000 for bodily injury per accident and property damage coverage of $100,000.
For the state minimum coverage, the average annual cost in North Carolina is $409.
| State minimum average annual rate | Full coverage average annual rate |
|---|---|
| $409 | $1,319 |