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The Best North Carolina Car Insurance Company

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    North Carolina drivers enjoy generally low car insurance rates, with many excellent providers to choose from. The state has relatively low insurance requirements, which help to keep rates low. When looking for the best car insurance companies in North Carolina, we considered affordability, customer support, coverage options, customer satisfaction scores, and online resources. Some of the companies that stand out in North Carolina are also included in our national list of the best car insurance providers.

    The 4 Best Auto Insurance Companies in North Carolina

    • Geico: Best for low rates
    • Erie: Best for customer satisfaction
    • North Carolina Farm Bureau: Best for local service
    • Progressive: Best for discounts

    Compare the Top Car Insurance Companies in North Carolina

    Average Price for State Minimum* Average Price for Full Coverage* Reviews.com Score AM Best Financial Strength Rating J.D. Power Overall Customer Satisfaction
    Pin Geico$527.43 $1,574.95 4.4/5 A++ 857/1,000
    Pin Erie $569.52 $1,612.81 4/5 A+ 871/1,000
    Pin North Carolina Farm Bureau $619.02 $1,834.27 N/A A 854/1,000
    Pin Progressive $656.55 $2,021.15 4.4/5 A+ 848/1,000

    Information accurate as of: 11/25/2020 *Data provided by Coverage.com

    Geico

    Best for Low Rates

    Why we chose it

    Geico offers the lowest rates for North Carolina drivers with some of the best customer service available.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $527.43* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 857** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico offers the lowest rates for North Carolina drivers with some of the best customer service available.

    Pros

    • Low annual premiums
    • Many discounts available
    • Helpful mobile app

    Cons

    • No gap coverage
    • Few local agents
    Read More

    Types of Coverage Offered

    • Liability
    • Medical
    • Uninsured & underinsured motorist
    • Collision
    • Comprehensive
    • Emergency road service
    • Rental reimbursement
    • Mechanical breakdown

    Discounts Available

    • Vehicle safety features
    • Good driver
    • Seat belt use
    • Defensive driving
    • Driver’s education course
    • Good student
    • Emergency deployment
    • Federal employee
    • Membership & employee
    • Military
    • Multi-vehicle
    • Multi-policy

    *Data provided by Coverage.com, price based on the state minimum required policy.**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Southeast region. Based on a 1,000-point scale.

    Further Reading on Geico:

    ERIE Insurance

    Best for Customer Satisfaction

    Why we chose it

    Geico offers the lowest rates for North Carolina drivers with some of the best customer service available.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $569.57* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 871** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico offers the lowest rates for North Carolina drivers with some of the best customer service available.

    Pros

    • Top-rated customer satisfaction
    • Erie Rate Lock
    • Diminishing deductible option

    Cons

    • Limited online capabilities
    • Not available in most states
    Read More

    Types of Coverage Offered

    • Collision
    • Liability
    • Comprehensive
    • Transportation expense/rental car coverage
    • Roadside assistance
    • New car protection
    • Better car protection
    • Rideshare

    Discounts Available

    • Erie Rate Lock
    • Multi-policy
    • First accident forgiveness
    • Diminishing deductible
    • Vehicle storage
    • Safety savings
    • Payment perks
    • Youthful driver discount
    • College credit

    *Data provided by Coverage.com, price based on the state minimum required policy.**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Southeast region. Based on a 1,000-point scale.

    Further Reading on Erie:

    North Carolina Farm Bureau

    Best for Local Service

    Why we chose it

    Consider North Carolina Farm Bureau if you prefer working with a local provider with highly-rated customer service.
    • N/A Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $619.62* Average Premium Pricing data comes from our partners at Coverage.com.
    • A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 854** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Consider North Carolina Farm Bureau if you prefer working with a local provider with highly-rated customer service.

    Pros

    • High customer satisfaction
    • Personalized service

    Cons

    • Higher than average annual premiums
    • Limited information on website
    • Only available to Farm Bureau members
    Read More

    Types of Coverage Offered

    Not listed on website

    Discounts Available

    Not listed on website

    *Data provided by Coverage.com, price based on the state minimum required policy.**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Southeast region. Based on a 1,000-point scale.

    Further Reading on North Carolina Farm Bureau:

    Progressive

    Best for Discounts

    Why we chose it

    Progressive offers North Carolina drivers many ways to save, including its Snapshot and Name Your Price tools.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • 656.66* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 848** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Progressive offers North Carolina drivers many ways to save, including its Snapshot and Name Your Price tools.

    Pros

    • Many discounts available
    • Excellent digital tools
    • Coverage for high-risk drivers

    Cons

    • High annual premiums
    • Below average customer satisfaction
    Read More

    Types of Coverage Offered

    • Liability
    • Comprehensive
    • Collision
    • Uninsured/underinsured motorist
    • Medical payments
    • Roadside assistance
    • loan/lease payoff
    • Rental car reimbursement
    • Customer parts and equipment value
    • Rideshare coverage
    • Deductible savings bank

    Discounts Available

    • Multi-policy
    • Multi-car
    • Continuous insurance
    • Safe driver 
    • Teen driver
    • Good student
    • Distant student
    • Homeowner
    • Quote and sign online
    • Paperless billing
    • Pay in full
    • Automatic payment

    *Data provided by Coverage.com, price based on the state minimum required policy.**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Southeast region. Based on a 1,000-point scale.

    Further Reading on Progressive:

    The Average Cost of Car Insurance in North Carolina

    North Carolina drivers pay below the national average rates for auto insurance. Insurance rates based on data from Coverage.com are roughly $444 for the state’s minimum liability coverage and $1,378 for a full coverage policy. Prices can vary dramatically from one insurance carrier to the next, so it’s important to shop around. Factors such as your driving record, age, credit score, and vehicle can also impact your car insurance rates.

    Top 3 Cheapest Car Insurance Companies in North Carolina

    CompanyAverage Annual Premium
    Geico$527.43
    Economy Fire & Casualty$565.60
    Erie$569.52

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in North Carolina

    CompanyAverage Annual Premium
    Allstate$931.20
    State Farm$778.56
    Amco$685.72

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in North Carolina

    CityAverage Annual Premium*
    Burnsville$493.19
    Bryson City$497.85
    Franklin$498.01

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in North Carolina 

    CityAverage Annual Premium*
    Charlotte $840.52
    Bessemer City$798.83
    Dallas $797.45

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Guide to North Carolina Car Insurance 

    North Carolina requires all drivers with a valid in-state registration to carry auto insurance from a company licensed in the state. Out-of-state policies don’t fulfill this requirement. Insurance companies must report canceled policies or coverage lapses to the state’s Division of Motor Vehicles, at which time a driver must provide proof of new insurance. Failure to carry the proper insurance can result in fees and revocation of vehicle license plates.

    North Carolina Minimum Insurance Requirements

    North Carolina law requires all drivers to carry both bodily injury and property damage liability insurance, as well as uninsured/underinsured motorist coverage.

    Minimum liability required in the state of North Carolina is divided as follows:

    • $30,000 bodily injury coverage per person
    • $60,000 bodily injury coverage per accident
    • $25,000 property damage coverage per accident

    North Carolina’s At-Fault Law

    North Carolina is an at-fault car accident state. The financial responsibility for any accidents falls on the driver who caused the accident. Drivers must carry liability coverage to pay for any property damage or bodily injury that occurs in an accident for which they are at-fault.

    Car Insurance Add-Ons That Will Further Protect You 

    • Roadside assistance: Roadside assistance is an optional coverage add-on that most companies offer. It provides on-demand service for tire changes, tow services, and more.
    • Gap coverage: Many people have a loan or lease on their vehicle. Gap coverage protects you in case you total your car and the amount left on the loan or lease exceeds what the car is worth.
    • Rental reimbursement: This optional coverage pays for the cost of a rental car when your vehicle is damaged in a covered accident.
    • Accident forgiveness: Insurance premiums typically increase after an accident, but optional accident forgiveness coverage guarantees your rate will stay the same after your first accident.

    North Carolina Car Insurance FAQ

    Methodology

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in North Carolina, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in North Carolina, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Erin Gobler is an insurance writer for Reviews.com. Over the past three years, she has covered personal finance topics such as insurance, banking, mortgages, and more. Her work has been featured in sites such as The Simple Dollar, Bankrate, and Coverage.com. She holds a bachelor’s degree in Journalism from the University of Wisconsin-Oskosh. Erin’s favorite Reviews.com article is the State Farm Renters Insurance Review.

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