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Best car insurance in North Carolina for 2024

Updated Jul 12, 2024
Geico, State Farm, Nationwide, Allstate and North Carolina Farm Bureau offer the best car insurance in North Carolina based on Bankrate's in-depth research.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best car insurance companies in North Carolina

Bankrate’s insurance editorial team examined customer satisfaction from the J.D. Power 2024 U.S. Auto Insurance Study, average rates, coverage availability, discount opportunities and other important metrics for the largest car insurance companies by market share. Based on our analysis, and considering rate data sourced from Quadrant Information Services, we determined Geico, State Farm, Nationwide, Allstate and North Carolina Farm Bureau to be among the best car insurance companies in North Carolina.

It's important to note that the average rates for these companies may fluctuate and are subject to change monthly. Therefore, while some may generally provide rates lower than the state averages of $1,827 for full coverage and $536 for minimum coverage, this isn't a constant. The companies we reviewed also offer robust coverage options, a variety of potential discounts and other perks we’ll discuss more in depth below. When shopping for the best car insurance in NC,  drivers might want to get quotes from these companies:

Insurance company
Bankrate score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$2,260
$677
4.3
Rating: 4.3 stars out of 5
$983
$325
4.0
Rating: 4 stars out of 5
N/A
N/A
3.9
Rating: 3.9 stars out of 5
$3,408
$927
North Carolina Farm Bureau
3.7
Rating: 3.7 stars out of 5
$2,269
$638

Geico

Best for discounts

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$188/mo

Avg. full coverage premium

$2,260/yr

Customer satisfaction

651/1,000

State Farm

Best for local offices

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$82/mo

Avg. full coverage premium

$983/yr

Customer satisfaction

673/1,000

Nationwide

Best for variety of services

Nationwide

4

Rating: 4 stars out of 5

Avg. full coverage premium

Not available

Avg. full coverage premium

Not available

Customer satisfaction

669/1,000

Allstate

Best for customizable coverage

Allstate

3.9

Rating: 3.9 stars out of 5

Avg. full coverage premium

$284/mo

Avg. full coverage premium

$3,408/yr

Customer satisfaction

634/1,000

North Carolina Farm Bureau

Best for farm or ranch-focused coverage

North Carolina Farm Bureau

3.7

Rating: 3.7 stars out of 5

Avg. full coverage premium

$189/mo

Avg. full coverage premium

$2,269/yr

Customer satisfaction

667/1,000

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How Bankrate chose the best car insurance companies in North Carolina

To find the best car insurance companies in North Carolina, we developed a proprietary Bankrate Score system that takes several metrics into account. Our insurance editorial team analyzed average car insurance premiums from Quadrant Information Services and reviewed coverage options, discounts, policy features, customer satisfaction scores from J.D. Power and financial strength ratings from AM Best for each company. We also looked at accessibility and ease of use for policy management through online and mobile resources.

Insurance companies are then graded on a weighted scale of 5.0 points, with a score closer to 5.0 indicating strong performance across these categories. If you are shopping for the best auto insurance in North Carolina, our research might help you find a carrier that fits your needs.

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Why you can trust Bankrate

Read our full methodology

To help North Carolina drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How to find the best car insurance in North Carolina

The best auto insurance in NC may be different for everyone. Since each insurance company has a unique rating system, there isn’t a one-size-fits-all when it comes to car insurance policies. Insurers determine your premium based on numerous characteristics such as age and gender (in most states), driving records, vehicle make and model and other factors. When you are searching for North Carolina auto insurance, these considerations may help you narrow down whether a carrier could be right for you.

Related content:

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

New

What’s new in North Carolina?

In December 2023, North Carolina Insurance Commissioner Mike Causey approved a 4.5 percent auto insurance rate increase and  2.3 percent motorcycle liability insurance rate increase for new and renewed policies. Initially, the commissioner faced a proposed increase of 28.4 percent for auto and 4.7 percent for motorcycle insurance.

Furthermore, the state passed legislation in 2023 to raise the minimum liability coverage limits starting in 2025. The increase will mean that North Carolina has some of the strictest liability laws in the country.

How much is car insurance in North Carolina?

The average cost of car insurance in North Carolina is $1,827 for full coverage and $536 for minimum coverage. These are both below the national averages of $2,278 and $621, respectively. This is roughly in line with what North Carolina's neighboring states pay. Virginia, for example, has an average rate of $1,996 for full coverage and $663 for minimum; while South Carolina's averages are $1,812 and $590. All average premium data was gathered from Quadrant Information Services.

Car insurance in NC may be cheaper than the national average for several reasons. Parts of the state are at risk for severe weather damage, including hurricanes, but many areas are shielded from the storms, which may help keep full coverage rates down. Although some parts of the state experience heavy tourism, the areas that have less traffic and therefore a lower risk of accidents might offset the busier areas. Rates vary by location within a state though, so areas closer to the coast, where tourism is likely heavier and roadways are more crowded, may have higher premiums.

City Avg. annual full coverage premium Avg. savings vs. state average

Estimate your car insurance cost in North Carolina

The more data you have at hand when you begin your search for affordable coverage, the easier it will be to find a policy that works for your wallet. For that reason, Bankrate created this handy calculator to help you estimate what your likely cost will be for your policy. Just input a few key facts, and you will have a number that you can use as a benchmark figure when asking for quotes from insurers.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

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