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Best & Cheapest North Carolina Car Insurance as Rated by Customers in 2020

4.68 ★★★★★
4566 customer reviews
rated their claim's experience positively
4.64 ★★★★★
104 customer reviews
rated their claim's experience positively
4.20 ★★★★★
461 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16827 customer reviews
rated their claim's experience positively
4.10 ★★★★★
2054 customer reviews
rated their claim's experience positively
4.04 ★★★★★
2225 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7128 customer reviews
rated their claim's experience positively
3.95 ★★★★★
1331 customer reviews
rated their claim's experience positively
3.92 ★★★★★
744 customer reviews
rated their claim's experience positively
3.90 ★★★★★
143 customer reviews
rated their claim's experience positively
3.78 ★★★★★
161 customer reviews
rated their claim's experience positively
3.74 ★★★★★
544 customer reviews
rated their claim's experience positively
2.20 ★★★★★
132 customer reviews
rated their claim's experience positively

It’s important to have a reliable car insurance company that effectively handles claims. In North Carolina, it can be difficult to tell which car insurance company is the best. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in North Carolina(NC). With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best North Carolina car insurance companies.

In the table above, you can sort through all the North Carolina car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best North Carolina car insurance rankings.

Interested in learning more about one of these North Carolina car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Who offers the cheapest teen car insurance rates in North Carolina?

North Carolina Farm Bureau is the cheapest car insurance company for female teen drivers and Geico is the cheapest for male teen drivers.

Company Female teen rates Male teen rates
Allstate Insurance $2,003 $2,003
Geico $830 $793
National General Insurance Company (Integon) $924 $924
North Carolina Farm Bureau $801 $801
State Farm Insurance Company $904 $904

These rates are based on profiles for 18-year-old male and female drivers in North Carolina. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in North Carolina will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest car insurance rates for a married couple in North Carolina?

Out of the five most popular NC car insurance companies, Allstate offers the cheapest car insurance rates for married couples in North Carolina on average.

Company Married couple rates
Allstate Insurance $1,401
Geico $1,636
National General Insurance Company (Integon) $1,590
North Carolina Farm Bureau $1,459
State Farm Insurance Company $1,456

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in North Carolina will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior car insurance rates in North Carolina?

Geico provides the cheapest car insurance rates for both male and female senior drivers on average in North Carolina out of the five most popular insurers in the state.

Company Female senior rates Male senior rates
Allstate Insurance $1,108 $1,108
Geico $702 $662
National General Insurance Company (Integon) $1,063 $1,063
North Carolina Farm Bureau $855 $855
State Farm Insurance Company $749 $749

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in North Carolina will differ. Rate data is provided by Quadrant Information Services.

10 Cheapest areas in North Carolina for car insurance

On average, the cheapest area in North Carolina for car insurance is the Alexander area. Car insurance rates in North Carolina vary by location. In the table below, you can see the top 10 cheapest areas in North Carolina for car insurance based on average rates for single adults.

Area Car insurance rates
Alexander $991
Leicester $993
Cherokee $994
Arden $994
Weaverville $995
Canton $995
Whittier $995
Sylva $995
Candler $995
Swannanoa $996

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in North Carolina will differ. Rate data is provided by Quadrant Information Services.

10 Most expensive areas in North Carolina for car insurance

On average, the most expensive area in North Carolina is the Newell area. Car insurance in North Carolina can be more expensive in some areas of the state than others. This is because car insurance rates are based on factors such as frequency of car accidents, driving behavior and crime rate in your area. The table below displays the top 10 most expensive areas in North Carolina for car insurance based on average rates for a single adult.

Area Car insurance rates
Newell $1,646
Fort Bragg $1,533
Pope Army Airfield $1,528
Bunnlevel $1,527
Spring Lake $1,522
Hope Mills $1,516
Raeford $1,512
Fayetteville $1,494
Cumberland $1,473
Fair Bluff $1,469

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in North Carolina will differ. Rate data is provided by Quadrant Information Services.

Minimum car insurance coverage and limits in North Carolina

North Carolina requires drivers to have two main coverages: liability and uninsured motorist. Liability insurance protects you in the event you are at fault in an accident and cause damage to another person’s property or injure someone. North Carolina has minimum coverage amounts for drivers, detailed below, but it’s important to consider purchasing higher limits to protect you in the event of a costly accident.

In addition to the required coverages, North Carolina drivers also can purchase collision coverage and comprehensive coverage.

North Carolina state minimum requirements:

Liability:

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

Underinsured/uninsured motorist:

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

Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else’s property in a car accident. This is most commonly the other vehicle, but also could be things like a home or fence.

Uninsured motorist coverage offers protection in the event you are injured or your car is damaged in an accident caused by an uninsured or underinsured driver. According to 2015 data from the Insurance Information Institute, just 6.5 percent of North Carolina drivers are uninsured. While this is the fourth lowest percentage of any state in the country — the national average is 13 percent — this coverage also protects you against uninsured out-of-state drivers.

How car insurance rates are calculated in North Carolina

When searching and comparing quotes from the best auto insurance companies in North Carolina, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How to save money on your car insurance in North Carolina

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best North Carolina car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How Clearsurance rates and ranks the best car insurance companies in North Carolina

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Car insurance guide

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.