Best car insurance in North Carolina 2020

North Carolina has one of the cheapest car insurance rates in the country, according to the Insurance Information Institute. But car accidents are on the rise in North Carolina, making good car insurance coverage essential.364925BF-22D7-405E-BBD3-A35489D76575 Created with sketchtool. Back
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Get personalized auto insurance quotes by answering a few quick questions

Are you insuring multiple vehicles?

Yes

No

Are you currently insured?

Yes

No

Are you a homeowner?

Yes

No

Age

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ZIP Code

Hongshan, HB
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Save $741 on average this year by shopping for new car insurance Rates vary by state up to 400% The average American pays $129/month for auto insurance If you’re one of the seven million licensed drivers in North Carolina, make sure you have the best NC auto insurance for your needs. Knowing how much auto insurance to buy requires a little research.
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Close Icon Close Icon The widget will live hereThe top car insurance companies in North CarolinaEven if you’re currently insured, it doesn’t hurt to get current quotes from North Carolina auto insurance companies. These companies earned the highest customer satisfaction ratings in the southeast region, according to a study by J.D. Power:

Provider
J.D. Power Rating

Erie Insurance
871/1,000

Alfa Insurance
858/1,000

Geico
857/1,000

Auto Owners Insurance
854/1,000

North Carolina Farm Bureau
854/1,000

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Shop rates and compare quotes

Get personalized auto insurance quotes by answering a few quick questions

Are you insuring multiple vehicles?

Yes

No

Are you currently insured?

Yes

No

Are you a homeowner?

Yes

No

Age

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Hongshan, HB
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Save $741 on average this year by shopping for new car insurance Rates vary by state up to 400% The average American pays $129/month for auto insurance Average car insurance cost in North CarolinaNC car insurance rates are one of the cheapest in the country. The state ranks at the bottom of the list as #46 in average car insurance expenditures (705) in an Insurance Information Institute study.The average cost of car insurance in North Carolina is inexpensive because the state has a low number of uninsured drivers. Data from the Insurance Information Institute found that North Carolina has the fourth highest rate of insured drivers. Only 6.5 percent of drivers don’t have car insurance. That means there is less risk overall for drivers on the road, which keeps insurance costs down.State minimum insurance requirements in North CarolinaIt’s mandatory to have liability insurance that pays for property damage and injuries to others if you cause a crash. The state’s minimum coverage amounts are known as 30/60/25:
$30,000 bodily injury liability coverage per person and $60,000 bodily injury liability coverage per accident.
$25,000 property damage liability coverage per accident.
$30,000 uninsured motorist bodily injury coverage per person and $60,000 uninsured motorist bodily injury liability coverage per accident.
$25,000 uninsured/underinsured motorist property damage.
Finding the right cheap car insurance in North Carolina for youNorth Carolina auto insurance is cheaper than most states, but prices jump up if you’re young or have past accidents on your driving record. That’s why it’s important to compare insurance providers to get the best deal.Cheapest car insurance for good driversGood drivers have the best chance of getting the cheapest NC auto insurance rates. Erie Insurance and Auto Owners Insurance offer some of the lowest rates.Cheapest car insurance for young driversAlfa Insurance offers good discounts for young drivers and students, edging out competitors. Alfa Insurance offers youth discounts for drivers up to the age of 24, if they have good grades. Additionally, all drivers ages 16-20 years get a discount for successfully completing a driver education course.Cheapest car insurance for people with low creditIf you have a low credit score, it can affect your NC auto insurance rates. Insurers claim that drivers with poor credit are more likely to file claims or not pay their premiums. North Carolina Farm Bureau has one of the cheapest premiums for drivers with low credit scores.Cheapest car insurance for people with accidentsNorth Carolina Farm Bureau offers cheaper rates to drivers with previous accidents or tickets, compared to other North Carolina auto insurance companies.Car insurance discounts in North CarolinaNot researching what types of North Carolina auto insurance discounts are available is like leaving money on the table. Here’s a quick look at how you can save more:

Alfa Insurance
Auto Owners Insurance
Erie Insurance
North Carolina Farm Bureau
Geico

Anti-Theft
Equipment
x
x
x

x

Automatic Payments

x
x

Hybrid and
Alternative Fuel Cars

x

Good Driving
History
x
x
x
x
x

Good Student
x
x
x
x
x

Multi-Policy
x
x
x
x
x

Vehicle Safety
Equipment
x
x
x
x
x

364925BF-22D7-405E-BBD3-A35489D76575 Created with sketchtool. Back
Shop rates and compare quotes

Get personalized auto insurance quotes by answering a few quick questions

Are you insuring multiple vehicles?

Yes

No

Are you currently insured?

Yes

No

Are you a homeowner?

Yes

No

Age

364925BF-22D7-405E-BBD3-A35489D76575 Created with sketchtool. 16-2021-2425-3435-4445-5455-6465+
ZIP Code

Hongshan, HB
Location-Icon Created with Sketch.
Find Matches

Quick Facts
Save $741 on average this year by shopping for new car insurance Rates vary by state up to 400% The average American pays $129/month for auto insurance Frequently asked questionsWhat is considered full coverage in North Carolina?Full coverage car insurance in North Carolina includes $30,000 in bodily injury, $60,000 bodily injury per accident, $30,000 in uninsured motorist bodily injury, $60,000 uninsured motorist bodily injury per accident, $25,000 property damage liability coverage per accident and $25,000 uninsured/underinsured motorist property damage coverage per accident.But if you own your home and have other assets, these minimum amounts may not fully cover you in case of an accident. Because you’d be personally liable for any damages above those limits, it’s recommended to increase the amounts of your liability insurance.What do you need to get car insurance in NC?You’ll need:
Vehicle information like the VIN on the windshield of your car
Your driver’s license information
Home address
Social security number
Banking information for premium payments
What are the North Carolina car insurance requirements?Liability insurance that pays for property damage and injuries to others if you cause a crash is mandatory. The state’s minimum coverage amounts are:
$30,000 bodily injury liability coverage per person and $60,000 bodily injury liability coverage per accident.
$25,000 property damage liability coverage per accident.
$30,000 uninsured motorist bodily injury coverage per person and $60,000 uninsured motorist bodily injury liability coverage per accident.
$25,000 uninsured/underinsured motorist property damage.

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