Cheapest Car Insurance in North Carolina 2021

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Drivers in North Carolina benefit from some of the cheapest auto insurance in the country. This is mainly because the state legislature monitors North Carolina auto insurance premiums, capping rates so providers can’t get carried away with inflation. It means that there is plenty of cheap auto insurance in North Carolina, but which provider is right for you?

We’ll help you find your perfect match, with all of the coverage that fits your needs.

Cheap car insurance companies in North Carolina

There are several options for cheap auto insurance in the state, but the cheapest car insurance in North Carolina belongs to GEICO, Progressive and Erie Insurance.


GEICO has several attractive options, in addition to offering cheap auto insurance in North Carolina. Policyholders benefit from a convenient mobile app designed to help you manage your policy and track claims on the go, plus there are several branches in the state where you can meet with a GEICO insurance agent in-person.

You can also receive a military discount or special discounts like vehicle safety, good driver and multi-policy if you’re eligible. If you drive for services like Uber or Lyft, GEICO can cover you for rideshare coverage.


Progressive is another of our picks for cheap car insurance with its Name Your Price Tool that allows you to search for insurance coverage based on your budget. Progressive offers all of the multi-faceted coverage you need, including gap insurance, custom parts coverage and a reduced deductible savings plan. Even Fido can benefit from the pet injury protection that comes with your collision coverage.

While its customer service falls below average in some J.D. Power satisfaction rankings, Progressive gives you the option to manage your policy through a helpful mobile app and online tools.


Erie Insurance offers North Carolina drivers cheap car insurance through a rate lock on policies, so you don’t have to worry about inflation causing your insurance rates to increase each year. There is also a vanishing deductible option that you can add with Erie Auto Plus for even more protection.

Erie is a smaller company, serving just 12 states and Washington, D.C., so you don’t have to worry about fighting for time with the company’s customer support representatives. Perhaps, that’s why customer satisfaction scores fall higher on the J.D. Power scale. However, its mobile tools could use some work. Erie isn’t the most technologically advanced company, only allowing policyholders to pay bills online and file glass-related claims. You will need to work with an agent to make changes to your policy or file other types of claims for everything else.

Affordable coverage for North Carolina drivers

North Carolina auto insurance laws mandate the following amount of minimum car insurance for North Carolina drivers:

  • $30,000 – Bodily injury per person
  • $60,000 – Bodily injury per accident
  • $25,000 – Property damage per accident

Drivers are also required to maintain minimum coverage for uninsured and underinsured motorist coverage. This will protect you and pay for any damages that may come from an accident with a driver who does not have adequate car insurance.

How North Carolina drivers can get cheap car insurance

A company that is the cheapest with one person may not be the most affordable for someone else. That is why it is so important to shop your options to find the right car insurance for you.

Before you purchase a new North Carolina auto insurance policy, consider these tips to find the right insurance policy.

    1. Consider vehicle features.
      The kind of car you drive has an enormous impact on the total cost of your auto insurance. Factors like the year, make and model help insurance providers evaluate how much risk your vehicle poses on the road. An insurance provider will also consider the safety risks for your vehicle, such as possible recalls or high theft rates. If you have extra safety features, like an anti-theft device or safety sensors, you could earn additional discounts.


    1. Raise your deductible.
      An easy way to make your payments more affordable is to increase your deductible. While this means that you will have to pay more out of pocket after an accident, you will enjoy lower monthly payments, which can help you if your budget is tight for monthly expenses.


  1. Ask about discounts.
    Car insurance providers often offer auto insurance discounts that you can use to save extra money. Some insurance companies offer employee discounts or special discounts for those who belong to certain organizations.

Frequently asked questions

Can you drive without car insurance in North Carolina?

North Carolina requires you to maintain a minimum amount of car insurance. This includes both liability and uninsured/underinsured motorist coverage in case you are in an accident with someone who does not have car insurance. If you are caught driving without auto insurance, you could be responsible for penalties.

Who has the cheapest car insurance in North Carolina?

The cheapest price offered for your auto insurance policy will depend on several factors, such as your credit score, driving history and the kind of car you drive. It is important to quote with a few carriers to see who offers you the coverage you want at the best rate.

What is the best car insurance in North Carolina?

There are several options available for the best car insurance in North Carolina. Erie Insurance and GEICO both make the list, in addition to other regional insurance providers like Alfa Insurance, Auto-Owners Insurance and North Carolina Farm Bureau.