Cheapest Car Insurance in North Carolina
Numbers refreshed
Where North Carolina publishes insurer prices, we rank them by cost, plus ways to lower your own bill.
- $42.average monthly price for the legal minimum.
- 50/100/50.the minimum liability limits.
- 41st of 51.the most expensive state (1st = highest).
Which insurers cost the least in North Carolina
Because North Carolina doesn't publish a price comparison of insurers, nobody can rank every company there using official figures. The cheapest legal policy costs $503 a year on average, or about $42 a month (NAIC).
Get the same limits and deductibles quoted by at least three insurers. For one driver, prices often vary widely among a regional company, a local agent and a direct writer.
Ways to lower your bill
- Only keep the state minimum if your car is old and you could replace it with cash. Dropping collision and non-collision damage coverage saves $730 a year, based on the North Carolina average.
- If you raise your deductible, the yearly saving often comes out ahead of the extra cost of one claim.
- Paying in full, good student, multi-car, bundling home and auto, safe-driving apps: ask for each one by name.
- When your policy renews, check prices again. A rise in your rate doesn't mean other companies went up too.
More about car insurance in North Carolina
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