Kemper Insurance offers the cheapest car insurance rates in North Carolina for full coverage, at $961 annually, or $80 per month. Whereas Allstate 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.
- Allstate offers the best car insurance rates in North Carolina among the companies analyzed by Insurance.com.
- In North Carolina, Kemper Insurance provides the cheapest car insurance at $961 per year.
- Car insurance rates differ with various driving profiles. Nationwide offers the cheapest car insurance prices for drivers with poor credit.
- National General has the cheapest car insurance rates for any driver with a DUI in North Carolina. The insurance premium is $5,726 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
Allstate is the best car insurance company in North Carolina with a 4.3 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 Insurance is the cheapest car insurance company in North Carolina that offers full coverage car insurance at an average rate of $961 annually or $80 a month.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Kemper Insurance | $961 | $80 |
| Erie Insurance | $1,013 | $84 |
| Geico | $1,035 | $86 |
| Nationwide | $1,132 | $94 |
| State Farm | $1,199 | $100 |
| North Carolina Farm Bureau | $1,218 | $102 |
| National General Insurance | $1,473 | $123 |
| Progressive | $1,782 | $148 |
| Allstate | $2,106 | $175 |
Cheapest car insurance for teens in North Carolina
Erie Insurance offers the cheapest car insurance for teens in North Carolina at about $2,111 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 |
|---|---|
| Erie Insurance | $2,111 |
| State Farm | $2,163 |
| Nationwide | $2,233 |
| North Carolina Farm Bureau | $2,483 |
| National General Insurance | $2,652 |
| Kemper Insurance | $2,719 |
| Geico | $2,963 |
| Progressive | $3,502 |
| Allstate | $4,800 |
Cheapest car insurance for young drivers in North Carolina
Geico is the cheapest car insurance company for young drivers in North Carolina. Its average annual premium is $1,082 annually or $90 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 |
|---|---|
| Geico | $1,082 |
| Kemper Insurance | $1,134 |
| Erie Insurance | $1,170 |
| North Carolina Farm Bureau | $1,273 |
| National General Insurance | $1,474 |
| Nationwide | $1,577 |
| Progressive | $1,782 |
| State Farm | $1,916 |
| Allstate | $2,752 |
Cheapest car insurance for adults in North Carolina
Kemper Insurance offers the cheapest car insurance for adults in North Carolina for a full coverage policy with an average annual premium of $961 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 |
|---|---|
| Kemper Insurance | $961 |
| Erie Insurance | $996 |
| Geico | $1,022 |
| Nationwide | $1,130 |
| North Carolina Farm Bureau | $1,203 |
| State Farm | $1,277 |
| National General Insurance | $1,473 |
| Progressive | $1,782 |
| Allstate | $2,078 |
Cheapest car insurance for seniors in North Carolina
Geico is the cheapest car insurance company for seniors in North Carolina. Its average annual premium is $1,015 a year or about $85 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 |
|---|---|
| Geico | $1,015 |
| Nationwide | $1,016 |
| Erie Insurance | $1,051 |
| Kemper Insurance | $1,138 |
| North Carolina Farm Bureau | $1,201 |
| State Farm | $1,243 |
| National General Insurance | $1,476 |
| Progressive | $1,782 |
| Allstate | $1,793 |
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: Nationwide
Nationwide is the cheapest auto insurance company for drivers with poor credit. It offers car insurance policies to North Carolina drivers at an average of $2,069 a year.Compare average annual premium of cheapest car insurance companies in North Carolina for drivers with poor credit.
| Company | Average annual premium |
|---|---|
| Nationwide | $1,386 |
| Geico | $1,461 |
| National General | $1,546 |
| Erie | $1,569 |
| Kemper | $1,662 |
| Progressive | $1,860 |
| North Carolina Farm Bureau | $2,019 |
| State Farm | $2,852 |
| Allstate | $4,186 |
Cheapest auto insurance for drivers with a speeding ticket: Nationwide
Nationwide offers the cheapest car insurance for drivers with a speeding ticket at about $2,051 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 |
|---|---|
| Nationwide | $1,559 |
| Erie | $1,646 |
| North Carolina Farm Bureau | $1,751 |
| State Farm | $1,797 |
| Kemper | $1,820 |
| Geico | $1,943 |
| National General | $1,957 |
| Progressive | $2,599 |
| Allstate | $3,327 |
Cheapest auto insurance after an at-fault accident: Kemper
Kemper has the cheapest auto insurance rate for drivers after an at-fault accident with an average of $2,194 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 | $1,619 |
| Erie | $1,646 |
| North Carolina Farm Bureau | $1,751 |
| State Farm | $1,797 |
| Nationwide | $1,883 |
| National General | $2,186 |
| Geico | $2,341 |
| Progressive | $2,599 |
| Allstate | $3,862 |
Cheapest auto insurance after a DUI: National General
The cheapest auto insurance company for drivers after a DUI is National General. It offers auto insurance at about $5,726 a year or $477 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 |
|---|---|
| National General | $4,020 |
| Nationwide | $4,249 |
| Erie | $4,492 |
| Kemper | $4,571 |
| North Carolina Farm Bureau | $4,747 |
| State Farm | $5,078 |
| Geico | $6,904 |
| Progressive | $7,147 |
| Allstate | $9,938 |
Average cost of car insurance in North Carolina
The average annual cost of car insurance in North Carolina for a full coverage policy is $1,324. 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 $385.
| State minimum average annual rate | Full coverage average annual rate |
|---|---|
| $409 | $1,319 |
