Auto Insurance in North Carolina

North Carolina has the lowest rates for auto insurance in the country — on average $874 per year, compared to the nationwide average of $1,669. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:

Average annual rate in North Carolina
$0 $5,000
North Carolina car owners pay the least
Average annual rate in the US
Michigan car owners pay the most

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Find the best auto insurance in North Carolina

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From the beaches to the Appalachian Mountains, North Carolina’s topography influences each roadway and presents unique challenges for nearby citizens. Coastal residents often contend with hurricanes and tropical storms, along with the high winds and storm surge flooding that come with them. Meanwhile, drivers in the eastern and northern portions of the state are not strangers to blizzards and freak winter storms, and they even face tornadoes on occasion. The various conditions make it even more important to find an insurance package that provides a wide scope of coverage for your budget.

North Carolina Minimum Liability

Bodily Injury

per person
per accident

Property Damage

per accident

North Carolina requires a minimum of $30,000 in personal injury protection (PIP) insurance, $60,000 in accident coverage, and an additional $25,000 in property damage protection (PDP) coverage. While this coverage is higher than what many states require, it still doesn’t meet the recommended industry standard. Experts say that you should maintain at least $50,000 in personal injury protection insurance, and an additional $100,000 of accident coverage, known as the 50/100 plan.

In 2013, the average claim for auto liability insurance and property damage was $3,231, and the average claim for bodily injury was $15,443. While the minimum coverage required by North Carolina will suffice for those averages, it’s still possible you’ll end up liable for much more, especially if you face a lawsuit from another driver involved in the accident. Accordingly, it’s best to make sure you request quotes from a variety of insurance companies to ensure you receive the most extensive coverage possible.

Cheapest Car Insurance in North Carolina

Yearly Rate

  • $866
    State Farm
  • $1,121
  • $763
    North Carolina Farm Bureau
  • $531
  • $1,092

If finding low-cost insurance is your top priority, we’ve found that these companies can be counted on to provide options for affordable insurance that still maintains the minimum requirements for auto insurance under North Carolina law.

However, it’s important to remember you’ll often make some trade-offs if you seek only the cheapest insurance packages. Rock-bottom rates can come at the expense of customer service quality or ease of making reimbursement claims. The cheapest companies are often multi-national corporations, and they may not be intimately familiar with North Carolina drivers. Regardless of what your goals, it’s still best to shop around to find the best coverage for you.

Where is car insurance most affordable?

Insurance rates for the largest cities in North Carolina are remarkably consistent, with most cities falling around the state average.

The three exceptions are Charlotte, Fayetteville, and Jacksonville, where insurance rates are likely to be more than the North Carolina average.

Although those three cities are in the southern half of the state, there’s little evidence of a meaningful geographic or population pattern where insurance rates are concerned. You’ll need to request quotes from a variety of companies to find out what the market is like in any given city.

Asheville Auto Insurance

Population: 87,236
North Carolina

With over 87,000 residents, Asheville is the largest city in western North Carolina. Over the last 20 years it has cultivated a reputation as a cultural center, and it maintains a vibrant scene for the arts and dining. Rates for auto insurance for the typical coverage plan are below the state average, although costs will vary depending on your driver profile.

Cary Auto Insurance

Population: 151,088
North Carolina

This city with over 151,000 residents is part of the “Research Triangle” in North Carolina, and it’s home to a very active technology industry. As part of the Raleigh Metropolitan Area, its drivers are familiar with urban roadways and enjoy insurance rates just below the state average. You’ll usually avoid the weather extremes seen on the coast and borders, but you should ensure you find an insurance package that meets your needs.

Charlotte Auto Insurance

Population: 792,862
North Carolina

Charlotte, with a population over 792,000, sits on the southern border of the state; the economy is frequently bustling, with the headquarters of businesses like Bank of America located in the city. When you’re not commuting, you’ll find plenty of company watching the professionals drive at the NASCAR speedway. Average insurance rates in Charlotte are slightly above the state average.

Concord Auto Insurance

Population: 83,506
North Carolina

Concord is located next to Charlotte, and its over 79,000 residents can also be found watching NASCAR racers at the Charlotte Motor Speedway, which is named for its larger neighbor but located in Concord city limits. The city is also known for its antiques and craft scene. Insurance rates in Concord are among the cheapest in the state, although costs will vary depending on your driver profile.

Durham Auto Insurance

Population: 245,475
North Carolina

As home to both Duke University and North Carolina Central University, this city of over 245,000 residents is a college town through and through. College sports have a big influence here, often creating heavy traffic during home games; you’ll need to make sure you secure good insurance coverage. However, you’ll find rates in Durham are just above the state average and offer little difficulty in finding a good provider within your budget.

Fayetteville Auto Insurance

Population: 204,408
North Carolina

Fayetteville is a three-time winner of the National Civic League’s renowned All-America City Award, and it’s no surprise civic pride runs high with its over 204,000 residents. The city is home to a large military base, and it’s a hub for the defense industry. Fayetteville is an expensive city for auto insurance, with the average cost sitting higher than the state average.

Gastonia Auto Insurance

Population: 73,209
North Carolina

As part of the Charlotte metropolitan area, the 73,000 plus residents of this city are very familiar with commuting to their nearby neighbor for work; you’ll definitely want to find a good insurance package. Fortunately, Gastonia maintains the North Carolina trend of sticking close to the state average with most plans, although rates will vary based on your driver profile.

Greensboro Auto Insurance

Population: 279,639
North Carolina

Greensboro, with over 279,000 residents, is located in the western half of the state. It has a strong role and history in the tobacco, textile, and furniture-making industries, although the focus has shifted to high-tech and aviation businesses. The city has a large arts and culture scene, and it offers ballet, theater, opera, and musical performances. The average insurance rates in Greensboro are less than the state average.

Greenville Auto Insurance

Population: 89,130
North Carolina

With over 89,000 residents, this city in eastern North Carolina prides itself on a vibrant, youth-oriented economy. It’s home to multiple professional BMX bikers, and it’s ranked in the top 10 “Best Small Places for Businesses and Careers” by Forbes magazine. The robust economy show this city weathered the Great Recession better than most. Average insurance rates here are similarly promising, just less than the state average.

High Point Auto Insurance

Population: 107,741
High Point
North Carolina

As a competitor for the title of “Furniture Capital of the World,” this city of over 104,000 residents enjoys a vibrant manufacturing sector; it’s also home to three separate universities. High Point has a prime position between three major interstates, and it spans four separate county lines; residents are familiar with driving the roadways. They also enjoy one of the lower average insurance rates in the state.

Jacksonville Auto Insurance

Population: 69,715
North Carolina

Jacksonville, with a population over 70,000, is likely to see that number expand in the future; in 2014 it was ranked one of the five fastest-growing cities in the country by Forbes magazine. It’s also one of the youngest, with an average age of 23 years old, largely due to the extensive military and defense facilities in the city. Insurance rates here are among the most expensive in North Carolina.

Raleigh Auto Insurance

Population: 431,746
North Carolina

As the state capital of North Carolina, Raleigh’s 432,000 plus residents enjoy a vibrant economy and bustling cultural scene, helped along by multiple universities, including North Carolina State University. Rates are marginally more expensive than the state average, but they may vary widely depending on age and other factors; be sure to request quotes from multiple companies to find the best package for your situation.

Rocky Mount Auto Insurance

Population: 55,893
Rocky Mount
North Carolina

This city of over 56,000 residents is located in the northeast section of the state; it’s well-situated to serve as a hub for the rich arts and culture shared with the larger cities in states to the north. Rocky Mount is also home to a variety of colleges and universities, including North Carolina Wesleyan College. Rates for auto insurance here are cheaper than the state average.

Wilmington Auto Insurance

Population: 112,067
North Carolina

This coastal city of over 112,000 features a bustling seaside, and it’s the home port for several US Coast Guard vessels. Wilmington also maintains the largest film production facility on the east coast, and its residents pride themselves on the city’s prominent role in national history, dating back to the colonial era. Insurance rates in Wilmington are exactly in line with the state average.

Winston Salem Auto Insurance

Population: 236,441
Winston Salem
North Carolina

Winston Salem is home to a variety of technology and research industries, and its over 236,000 residents have ample opportunities to take in the arts, theater, and other cultural pursuits in this bustling city. Despite its size and prominence, Winston Salem is one of the cheaper cities in the state, with an average insurance rate just less than the state average.

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