Best car insurance companies in North Carolina: Erie Insurance

Erie Insurance is the best car insurance company in North Carolina, based on data analysis by, with an overall rating of 4.17. State Farm is the second-best auto insurance company in North Carolina, with an overall rating of 3.56.

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

Best car insurance in North Carolina
CompanyAM BestAvg. Annual PremiumJ.D. score
Erie InsuranceA+$1,0828290.614.17
State FarmA++$1,1808070.73.56

Cheapest car insurance companies in North Carolina: Erie Insurance

Based on a rate analysis by, Erie Insurance offers the cheapest full coverage car insurance in North Carolina, with average rates of $1,082 annually or $90 a month.

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.

Cheapest auto insurance in North Carolina
CompanyState minimum liability50/100/50 liability100/300/100 liability with $500 deductible
Erie Insurance$309$345$1,082
State Farm$331$370$1,180
North Carolina Farm Bureau$338$380$1,217
Penn National Insurance$493$547$1,872
UTICA Grp$695$768$2,070

Average cost of car insurance in North Carolina

The average car insurance cost in North Carolina is $1,741 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 For the state minimum coverage, the average annual cost in North Carolina is $476.

Auto insurance calculator

Average auto insurance rates in North Carolina
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male Female
28356 - Linden
For a 30-year-old male
$45 State minimum
$155 Full coverage
$49 Liability only

Most & least expensive ZIP codes for auto insurance in North Carolina

Most Expensive

Zip CodeCityHighest Rate

Least Expensive

Zip CodeCityLowest Rate
28745Lake Junaluska$124

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 $2,240 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, Erie Insurance offers the cheapest full coverage car insurance for adult drivers (25-55 year-olds) and senior drivers (60-75 year-olds) at $1,056 per year, and $1,165 per year, respectively.

Cheapest car insurance in North Carolina by age
Age Company Avg annual premium 
Teens (16-19)Erie Insurance$2,240
Teens (16-19)North Carolina Farm Bureau$2,596
Teens (16-19)State Farm$2,659
Teens (16-19)Nationwide$3,316
Teens (16-19)Penn National Insurance$3,660
Teens (16-19)Farmers$3,963
Teens (16-19)Progressive$3,963
Teens (16-19)Geico$4,641
Teens (16-19)UTICA Grp$5,165
Teens (16-19)Allstate$6,888
Young Adults (20-24)Erie Insurance$1,251
Young Adults (20-24)North Carolina Farm Bureau$1,329
Young Adults (20-24)Geico$1,689
Young Adults (20-24)State Farm$1,860
Young Adults (20-24)Penn National Insurance$1,872
Young Adults (20-24)Farmers$2,028
Young Adults (20-24)Progressive$2,028
Young Adults (20-24)UTICA Grp$2,087
Young Adults (20-24)Nationwide$2,098
Young Adults (20-24)Allstate$4,053
Adults (25-60)Erie Insurance$1,056
Adults (25-60)North Carolina Farm Bureau$1,175
Adults (25-60)State Farm$1,235
Adults (25-60)Nationwide$1,508
Adults (25-60)Geico$1,586
Adults (25-60)Penn National Insurance$1,872
Adults (25-60)Farmers$2,028
Adults (25-60)Progressive$2,028
Adults (25-60)UTICA Grp$2,040
Adults (25-60)Allstate$2,939
Seniors (65-75)Erie Insurance$1,165
Seniors (65-75)North Carolina Farm Bureau$1,232
Seniors (65-75)State Farm$1,262
Seniors (65-75)Nationwide$1,435
Seniors (65-75)Geico$1,620
Seniors (65-75)Penn National Insurance$1,872
Seniors (65-75)Farmers$2,028
Seniors (65-75)Progressive$2,028
Seniors (65-75)UTICA Grp$2,031
Seniors (65-75)Allstate$2,647

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 in North Carolina for drivers with tickets and accidents
CompanyClean record AccidentSpeeding Ticket
Kemper Insurance$1,071$1,793$1,972
Erie Insurance$1,075$1,804$1,768
State Farm$1,251$1,956$1,913
North Carolina Farm Bureau$1,265$1,918$1,879
National General Insurance$1,539$2,363$2,140

Compare auto insurance rates by city in North Carolina

Auto insurance rates in your city can differ significantly from the state average 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 to find the most competitive rates for your specific city in North Carolina.

CityAnnual insurance premium
Bessemer City
$1,703 commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 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: 


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


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