Cheap car insurance in North Carolina for 2025

In Bankrate’s analysis of the best car insurance companies in North Carolina, we found that Geico, State Farm, Nationwide and Allstate are among the best auto insurance providers in North Carolina. While cost played a role in our analysis, we also looked at key indicators like customer satisfaction scores, coverage options and financial stability.

That said, these might not be the best car insurance company for all drivers in North Carolina. A smaller carrier like North Carolina Farm Bureau or Erie may be able to provide service and perks that a larger company won’t.

The average cost of car insurance in North Carolina is $152 per month for full coverage and $48 per month for state minimum coverage. That’s 32 percent less than the national average for full coverage and 28 percent less less than the average for state minimum coverage. Keep in mind that these averages are based on the average premium for a single 40-year-old driver; your own rates may look different.

Inflation and increased climate risk have caused insurance companies across the country to raise rates in recent years, with drivers seeing an average increase of 12 percent from 2024 to 2025, according to Bankrate’s 2025 True Cost of Auto Insurance report. If you have recent incidents on your driving record or made changes to your policy — such as adding a car or driver, changing your address or adjusting your coverage — this could also affect your rates. Finally, be prepared to see more potential increases in the future, as Insurance Commissioner Mike Causey approved an average rate hike of 5 percent for auto insurance policies in North Carolina, to take effect starting in October.

The best ways to lower your car insurance rates in North Carolina include shopping for new car insurance quotes and researching discounts. If your car insurance provider offers a telematics discount, you may be able to lower your premiums more quickly by enrolling in the program and tracking your driving while avoiding unsafe habits like hard brakes.

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan. 

Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.

Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.

Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy. 

The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.