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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.

KEY TAKEAWAYS
  • 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

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.

CompanyAuto star ratings
USAA4.6
State Farm4.4
Liberty Mutual4.0
Nationwide3.7
Erie3.6
Farmers3.6
Auto-Owners3.5
Progressive3.4
MetLife3.4
Safeco3.0

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.

CompanyAverage annual premiumAverage 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.

CompanyAverage 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.

CompanyAverage 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.

CompanyAverage 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.

CompanyAverage 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.

CompanyAverage 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.

CompanyAverage 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.

CompanyAverage 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.

CompanyAverage 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 rateFull coverage average annual rate
$409$1,319