North Carolina car insurance
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βResults will vary and some may not see savings. Average savings of $828 per year for customers who switched and saved with Experian from Jan. 1, 2022 to Mar. 31, 2024. Savings based on customers’ self-reported prior premium. Experian offers insurance from a network of top-rated insurance companies through its licensed subsidiary, Gabi Personal Insurance Agency, Inc.
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North Carolina car insurance quotes
Car insurance in North Carolina costs $1,717 per year on average, which is 25% less than the national average. In 2024, the average cost of minimum coverage in North Carolina was $1,047 and the cost of full coverage was $1,926.
| City | Average cost of car insurance per month |
|---|---|
| Charlotte | $173 |
| Raleigh | $139 |
| Greensboro | $148 |
| Fayetteville | $149 |
| Winston Salem | $141 |
| Concord | $136 |
| Durham | $135 |
North Carolina car insurance requirements
Here’s a look at the minimum coverage amounts required by law in North Carolina.
| Coverage | Minimum amount required by North Carolina |
|---|---|
| Bodily injury coverage | $30,000 per person / $60,000 per accident |
| Property damage coverage | $25,000 per accident |
| Uninsured motorist bodily injury | $30,000 per person / $60,000 per accident |
| Uninsured motorist property damage | $25,000 per accident |
While the minimum coverage amounts above satisfy North Carolina’s auto insurance requirements, it’s typically a good idea to carry additional protection to make sure you’re adequately covered in an accident. Consider adding more coverage, including collision and comprehensive coverage, and increasing your policy limits.
How to save money on car insurance in North Carolina
To save money and find the cheapest car insurance in North Carolina, you can compare quotes, bundle your policies, increase your deductible and take advantage of discounts you may qualify for. Start by reviewing the most affordable insurance companies where you live.
| Insurer | Full coverage (average cost per month) | Average savings per month (compared to state average) |
|---|---|---|
| National General | $135 | 16% savings |
| Progressive | $151 | 6% savings |
| GEICO | $168 | 5% more |
| SAFECO | $199 | 24% more |
| Dairyland Insurance | $283 | 76% more |
| Insurer | Minimum coverage (average cost per month) | Average savings per month (compared to state average) |
|---|---|---|
| National General | $78 | 11% savings |
| Progressive | $86 | 1% savings |
| GEICO | $88 | 1% more |
| SAFECO | $94 | 7% more |
| Dairyland Insurance | $108 | 24% more |
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Car insurance by state
Compare auto insurance by state and see state averages, including top cities and providers.