Best Car Insurance in North Carolina (2025)
Farmers, Allstate, and GEICO stand out as top car insurance options in North Carolina.
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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
Our editorial team analyzed regional and national auto insurance companies that sell policies in North Carolina to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
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 $88 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 $182 per month, and the national average for liability car insurance is $103.
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.
Best car insurance in North Carolina FAQs
If you’re still on the hunt for the best car insurance in North Carolina, here’s some more insight into how you can achieve that goal.
How much is car insurance in North Carolina?
The average rate for car insurance in North Carolina is $88 per month for a full-coverage car insurance policy and $62 for liability-only coverage.
What are the best car insurance companies in North Carolina?
Many great auto insurance companies operate in North Carolina, including USAA, Allstate, GEICO, and State Farm.
What is the required auto insurance coverage amount in North Carolina?
Most states have rules regarding the amount of liability coverage drivers must have. In North Carolina, drivers must carry minimum liability insurance coverage of 30/60/25, which means $30,000 in bodily injury liability per person, $60,000 per accident, and $25,000 in property damage liability.3
But you may want to buy more extensive coverage than the minimum liability coverage requirements to better protect yourself as a North Carolina driver.
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