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Best car insurance in North Carolina for 2022

Updated Nov 21, 2022
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If you’re looking for the best car insurance in North Carolina, you’re in the right place. Bankrate’s insurance editorial team found that Geico, State Farm, Nationwide, Allstate and North Carolina Farm Bureau are among the best car insurance companies in the state, based on an objective analysis. However, each person has a different insurance preference and a unique driving profile, so it may be beneficial to research each provider and get quotes from your top choices.

Auto Insurance
Key takeaways
  • With an average annual premium of $1,392, rates for full coverage car insurance in North Carolina are 27 percent lower than the national average of $1,771.
  • Out of the eight most populated cities in North Carolina, Fayetteville has one of the most expensive average premiums for full coverage car insurance at $1,591 per year.
  • According to our extensive research, Geico, State Farm and Nationwide may offer the best car insurance in North Carolina.

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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.

Best car insurance companies in North Carolina

Bankrate’s insurance editorial team examined premium data, customer satisfaction from the J.D. Power 2022 U.S. Auto Insurance Study and other important metrics for the largest auto companies by market share. Based on our analysis, we found Geico, State Farm, Nationwide, Allstate and North Carolina Farm Bureau to be among the best car insurance companies in North Carolina. When shopping for car insurance, North Carolina drivers might want to get quotes from these companies:

Geico
Rating: 4.7 stars out of 5
4.7
Bankrate Score
Info Hover for more
J.D. Power score (Southeast)
843
/1,000
Average annual full coverage premium
$910
Average annual minimum coverage premium
$329
State Farm
Rating: 4.7 stars out of 5
4.7
Bankrate Score
Info Hover for more
J.D. Power score (Southeast)
855
/1,000
Average annual full coverage premium
$966
Average annual minimum coverage premium
$318
Nationwide
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info Hover for more
J.D. Power score (Southeast)
850
/1,000
Average annual full coverage premium
$1,197
Average annual minimum coverage premium
$328
Allstate
Rating: 4 stars out of 5
4.0
Bankrate Score
Info Hover for more
J.D. Power score (Southeast)
833
/1,000
Average annual full coverage premium
$1,597
Average annual minimum coverage premium
$439
North Carolina Farm Bureau
Rating: 3.6 stars out of 5
3.6
Bankrate Score
Info Hover for more
J.D. Power score (Southeast)
844
/1,000
Average annual full coverage premium
$1,047
Average annual minimum coverage premium
$336
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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 company for discounts

J.D. Power:
843 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 329
Avg annual premium for full coverage:
$ 910
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

Best car insurance company for local offices

J.D. Power:
855 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 318
Avg annual premium for full coverage:
$ 966
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

Best car insurance company for financial planning

J.D. Power:
850 /1,000
AM Best:
A +
Avg. annual premium for minimum coverage:
$ 328
Avg annual premium for full coverage:
$ 1,197
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

Best car insurance company for coverage options

J.D. Power:
833 /1,000
AM Best:
A +
Avg. annual premium for minimum coverage:
$ 439
Avg annual premium for full coverage:
$ 1,597
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

Best car insurance company for farm and ranch products

J.D. Power:
844 /1,000
AM Best:
A
Avg. annual premium for minimum coverage:
$ 336
Avg annual premium for full coverage:
$ 1,047
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

Average cost of car insurance in North Carolina

North Carolina car insurance rates are well below the national average. While the average cost for full coverage car insurance in the U.S. is $1,771 annually, the average annual cost for North Carolina car insurance is $1,392 for a full coverage policy, according to 2022 rate data gathered from Quadrant Information Services. Minimum coverage is also cheaper, on average, in North Carolina, with an average policy costing $431 per year. The average minimum coverage premium in the U.S. is $545 per year.

North Carolina may have lower-than-average state insurance rates 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.

Average annual premium for minimum coverage in North Carolina Average annual premium for full coverage in North Carolina
$431 $1,392

How to find the best car insurance in North Carolina

The best car insurance in North Carolina may be different for everyone. When you are searching for car insurance, these considerations may help you narrow down whether a carrier could be right for you.

Consider minimum insurance requirements in North Carolina

Like most states, North Carolina requires drivers to carry at least minimum levels of car insurance to drive legally. You must carry the state-required levels of bodily injury liability and property damage liability coverage, uninsured motorist coverage and underinsured motorist coverage. Understanding North Carolina’s car insurance laws may help you decide if you need higher levels of coverage, but you do not need to commit them to memory. Licensed insurance agents won't let you buy a policy that does not adhere to the state’s laws.

Consider lender requirements

If you have a loan or lease on your car, you should be aware of your financial institution’s car insurance guidelines. Minimum coverage does not include comprehensive coverage or collision coverage, which provides you with coverage for damage to your vehicle. If you purchase those options, you will have a full coverage policy, which is often required by lenders. You may also want to consider gap insurance. If your new vehicle is totaled and the payout is less than the balance of your loan, gap coverage is designed to help pay the difference.

Consider your individual needs

Do you have a teenage driver you need to insure? Are you looking for a company that has a highly-rated digital app? Are you more concerned with customer service than you are with price, or is your budget your primary concern? Do you have accidents and tickets on your record that could affect your premium and eligibility? Understanding your personal insurance needs might help you decide what companies could be a good fit.

Car insurance discounts in North Carolina

Most insurance companies in North Carolina offer auto insurance discounts to help you save money. In addition to finding a cheap car insurance company, discounts can help you get the coverage you need for a price that fits your budget. Although discounts will vary by company, here are some common ways to save:

  • Young driver discounts: If you insure a teen driver who is a full-time student, there may be several discounts available. Good student discounts, distance student discounts and driver training discounts could all help lower your premium.
  • Safe driver discounts: Safe drivers could qualify for several discounts. For example, telematics programs involve using a mobile app or plug-in device to track your driving habits. Based on how safely you drive, you could earn a discount. And if you work from home or drive only a short distance each day, be sure to tell your agent. You might qualify for a low mileage discount and earn a lower premium.
  • Other discounts: If you have a home, condo or renters insurance policy, getting your auto insurance with the same company might earn you a significant discount on both policies. Additionally, opting to receive your policy documents, billing statements or both via email or an online portal might save you some money.

Most insurance companies list their discounts online, but you can also talk to a representative to find ways to save.

Frequently asked questions

Written by
Sara Coleman
Insurance Contributor

Sara Coleman is an insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.

Edited by Insurance Editor