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Kemper Insurance offers the cheapest auto insurance rates in North Carolina at $961 a year or $80 monthly, on average. That’s below the average North Carolina car insurance rate of $1,324 a year.

Cheap isn’t everything, and an Insurance.com analysis of rates, complaints, and financial stability found Geico to be the best insurance company in North Carolina.

Many factors go into your insurance premium. Insurance companies use your driving record, the type of car you drive and the coverage you select to determine your car insurance rates. 

Read on to compare North Carolina insurance rates by company, age and more.

Key takeaways

  • Geico is the best car insurance company in North Carolina overall, with below-average rates and a low complaint ratio.
  • Kemper Insurance is the cheapest car insurance company in North Carolina at $961 per year.
  • Erie Insurance has the cheapest rates for teen drivers in North Carolina. 
IN THIS ARTICLE

Average cost of car insurance in North Carolina

The average car insurance rate in North Carolina is $1,324 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in North Carolina is $385.

Best car insurance companies in North Carolina

Geico is the best car insurance company in North Carolina, based on a 2023 analysis by Insurance.com, with an overall rating of 4.86. Erie Insurance is the second-best auto insurance company in North Carolina with an overall rating of 4.55.

Below is a full list of the top North Carolina insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.

Best car insurance companies in North Carolina
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
GeicoA++$ 1,0350.774.86
Erie InsuranceA+$ 1,0130.954.55
NationwideA+$ 1,1320.664.46
State FarmA++$ 1,1990.524.41
ProgressiveA+$ 1,7820.733.65
National General InsuranceA+$ 1,4734.143.33
AllstateA+$ 2,1060.953.21

Cheapest car insurance companies in North Carolina

Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.

We have gathered price quotes from all the major insurance providers in North Carolina and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Kemper Insurance is the cheapest auto insurance company in North Carolina, with average rates of $961 annually or $80 a month for full coverage.

CompanyState minimum50/100/50 liability only100/300/100 liability with $500 comp/coll deductible
Kemper Insurance$ 409$ 454$ 961
Erie Insurance$ 309$ 343$ 1,013
Geico$ 340$ 354$ 1,035
Nationwide$ 270$ 299$ 1,132
State Farm$ 347$ 388$ 1,199
North Carolina Farm Bureau$ 353$ 395$ 1,218
National General Insurance$ 415$ 445$ 1,473
Progressive$ 503$ 557$ 1,782
Allstate$ 521$ 578$ 2,106

Auto insurance calculator

Average auto insurance rates in Alabama
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Male
Male Female
36110 - Montgomery
For a -year-old
State minimum
Full coverage
Liability only

Most & least expensive ZIP codes for auto insurance in

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Cheapest car insurance cost in North Carolina by age

In North Carolina, car insurance rates are higher for teenagers as they are more prone to accidents due to their lack of experience on the road.

Erie Insurance offers the cheapest car insurance for teen drivers in North Carolina at $2,111 per year for a full coverage policy.  

Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults. 

In North Carolina, Kemper Insurance offers the cheapest full coverage car insurance for adult drivers (25-55 year-olds) at $961 per year, and Geico offers the cheapest full coverage insurance for senior drivers (60-75 year-olds) at $1,015 per year. 

Cheapest car insurance by age in North Carolina
Age (group) Company Group Avg. Annual Premium
Teens (16-19)Erie Insurance$ 2,111
Teens (16-19)State Farm$ 2,163
Teens (16-19)Nationwide$ 2,233
Teens (16-19)North Carolina Farm Bureau$ 2,483
Teens (16-19)National General Insurance$ 2,652
Teens (16-19)Kemper Insurance$ 2,719
Teens (16-19)Geico$ 2,963
Teens (16-19)Progressive$ 3,502
Teens (16-19)Allstate$ 4,800
Young Adults (20-24)Geico$ 1,082
Young Adults (20-24)Kemper Insurance$ 1,134
Young Adults (20-24)Erie Insurance$ 1,170
Young Adults (20-24)North Carolina Farm Bureau$ 1,273
Young Adults (20-24)National General Insurance$ 1,474
Young Adults (20-24)Nationwide$ 1,577
Young Adults (20-24)Progressive$ 1,782
Young Adults (20-24)State Farm$ 1,916
Young Adults (20-24)Allstate$ 2,752
Adults (25-55)Kemper Insurance$ 961
Adults (25-55)Erie Insurance$ 996
Adults (25-55)Geico$ 1,022
Adults (25-55)Nationwide$ 1,130
Adults (25-55)North Carolina Farm Bureau$ 1,203
Adults (25-55)State Farm$ 1,277
Adults (25-55)National General Insurance$ 1,473
Adults (25-55)Progressive$ 1,782
Adults (25-55)Allstate$ 2,078
Seniors (60-75)Geico$ 1,015
Seniors (60-75)Nationwide$ 1,016
Seniors (60-75)Erie Insurance$ 1,051
Seniors (60-75)Kemper Insurance$ 1,138
Seniors (60-75)North Carolina Farm Bureau$ 1,201
Seniors (60-75)State Farm$ 1,243
Seniors (60-75)National General Insurance$ 1,476
Seniors (60-75)Progressive$ 1,782
Seniors (60-75)Allstate$ 1,793

Cheapest car insurance companies in North Carolina by driver profile

Drivers who have accidents or tickets are considered a higher risk and will pay more. 

However, the severity and frequency of the incidents also affect your insurance rates. For instance, drivers with a single minor accident will see a smaller increase in their rates compared to those with multiple major accidents.

Below are average North Carolina rates by company for drivers with accidents and tickets on their driving record. 

Cheapest car insurance companies for tickets and accidents in North Carolina
CompanyClean recordAccidentTicket
Geico$ 1,034$ 2,722$ 1,888
Kemper$ 1,071$ 1,699$ 1,765
Erie$ 1,075$ 1,719$ 1,603
Nationwide$ 1,135$ 1,944$ 1,535
State Farm$ 1,251$ 1,884$ 1,688
North Carolina Farm Bureau$ 1,265$ 1,828$ 1,705
National General$ 1,539$ 2,192$ 1,902
Progressive$ 1,860$ 2,716$ 2,529
Allstate$ 2,339$ 4,431$ 3,229

Compare auto insurance rates by city in North Carolina

Auto insurance rates in your city can vary significantly due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers and consider these local factors to find the most competitive rates for your specific city in North Carolina.

CityAnnual insurance premium
Apex
$1,139
Bessemer City
$1,479
Browns Summit
$1,220
Charlotte
$1,475
Cornelius
$1,240
Durham
$1,287
Fayetteville
$1,511
Garysburg
$1,464
Holly Springs
$1,144
Kill Devil Hills
$1,233
Raleigh
$1,278
Stanley
$1,248

Compare auto insurance rates with other states

Alabama
$1,442/year
Alaska
$1,325/year
Arizona
$1,484/year
Arkansas
$1,420/year
California
$2,110/year
Colorado
$1,804/year
Connecticut
$1,741/year
Delaware
$2,111/year
Florida
$2,560/year
Georgia
$1,555/year
Hawaii
$1,306/year
Idaho
$1,052/year
Illinois
$1,384/year
Indiana
$1,184/year
Iowa
$1,321/year
Kansas
$1,526/year
Kentucky
$1,526/year
Louisiana
$2,487/year
Maine
$1,122/year
Maryland
$1,504/year
Massachusetts
$1,528/year
Michigan
$2,158/year
Minnesota
$1,482/year
Mississippi
$1,498/year
Missouri
$1,984/year
Montana
$1,751/year
Nebraska
$1,976/year
Nevada
$1,969/year
New Hampshire
$1,266/year
New Jersey
$1,910/year
New Mexico
$1,509/year
New York
$2,020/year
North Dakota
$1,295/year
Ohio
$996/year
Oklahoma
$1,087/year
Oregon
$1,217/year
Pennsylvania
$1,256/year
Rhode Island
$1,717/year
South Carolina
$1,894/year
South Dakota
$1,717/year
Tennessee
$1,311/year
Texas
$1,794/year
Utah
$1,414/year
Vermont
$1,102/year
Virginia
$1,227/year
Washington
$1,203/year
West Virginia
$1,528/year
Wisconsin
$1,325/year
Wyoming
$1,659/year
Show more

Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving 2021 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.

The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets: 

Accidents: 

  • 1 at-fault property damage accident over $2k
  • 1 at-fault property damage accident under $2k
  • At-fault bodily injury accident 
  • Single vehicle accident 

Tickets: 

  • Distracted driving ticket
  • Speeding ticket 1- 10 MPH over limit 
  • Speeding ticket 11- 29 MPH over limit 
  • Talking on cellphone ticket 
  • Texting ticket 

Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.  

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