Best Car Insurance in North Carolina (2025)

Shopping for the right car insurance policy can be challenging since it takes time and energy to find the right insurer to fit your unique needs. To help narrow down your search, Insurify analyzed 50 car insurance companies to determine the best car insurance companies in North Carolina.

Best car insurance companies in North Carolina

There’s no single best car insurance company for North Carolina drivers to consider, but here are some top contenders in the state that you can start your search with.

Farmers: Best overall

Allstate: Best for rideshare coverage

GEICO: Best for discounts

Progressive: Best for telematics

USAA: Best insurer for military affiliates

How to get the best car insurance in North Carolina

Finding the right car insurance policy to meet your needs takes some digging, but a little research can help you save while finding the coverage you need to hit the road with confidence. 

Average cost of car insurance in North Carolina

North Carolina drivers spend an average of $87 per month for a full-coverage car insurance policy and $62 for liability-only coverage. For comparison, the national average for full-coverage car insurance is $184 per month, and the national average for liability car insurance is $104.

Where you live plays a significant role in determining car insurance premiums. This is true even within a single state, as rates can vary by ZIP code.

For example, a driver who commutes into a big city like Raleigh will experience more traffic that can lead to accidents than someone who lives in the smaller, quiet riverside town of New Bern.

Insurers analyze factors such as crime levels, weather risks, and traffic congestion when assessing risk. Personal details like your driving record, vehicle type, and credit history also influence the premium you receive. That’s why it’s always a good idea to keep your driving record clean.