Cheap Car Insurance in North Carolina – 2022 – NerdWallet

car insurance is an important leverage, but finding bum car insurance in North Carolina international relations and security network ’ deoxythymidine monophosphate always easy. That ’ mho why it ’ south authoritative to compare rates from multiple insurers.

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GET MY RATES Get started on Insure.com The average monetary value of fully coverage car indemnity in North Carolina is $ 1,255 per year, or about $ 105 per month, according to NerdWallet ’ mho analysis. minimal coverage in North Carolina is $ 402 per year on average, but we found you can probably get a cheaper policy. For exemplar, Geico offers the cheapest rates in North Carolina at $ 278 per year, on average, for minimum coverage car indemnity for a 35-year-old driver with a clean drive criminal record. Why you can trust NerdWallet : Our writers and editors follow hard-and-fast column guidelines to ensure comeliness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every venue in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can well see how each gene affects price .

Cheapest car policy company overall in North Carolina
Geico	$ 68/month	4.5 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each fiscal product and overhaul . NerdWallet rate
Cheapest for minimal coverage
Geico	$ 23/month	4.5 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each fiscal intersection and servicing . NerdWallet fink
Cheapest for young drivers
Geico	$ 82/month	4.5 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into bill multiple datum points for each fiscal product and service . NerdWallet evaluation
Cheapest for drivers with poor credit rating
erie	$ 68/month	4.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring formulas take into report multiple data points for each fiscal product and avail . NerdWallet rate

Looking for the cheapest car insurance in your city ? NerdWallet analyzed car indemnity rates in some of the largest north Carolina cities, including :

How we chose the cheapest companies in North Carolina

NerdWallet ’ s editorial team analyzed cable car insurance rates from nine car insurers in North Carolina and found the five cheapest options for drivers in several senesce brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in North Carolina. For full coverage, we used the below coverage limits :

• $ 100,000 bodily injury liability per person .
• $ 300,000 bodily injury liability per accident .
• $ 50,000 property damage liability per accident .
• $ 100,000 uninsured motorist coverage per person .
• $ 300,000 uninsured motorist coverage per accident .
• Collision coverage with a $ 1,000 deductible .
• comprehensive coverage with a $ 1,000 deductible .

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a draw of quotes to find the best bum car indemnity. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. however, some companies routinely have better policy rates for young drivers, so it ‘s best to shop around to find them.

Cheapest full coverage car insurance in North Carolina for 20-year-olds

Drivers in North Carolina with scavenge drive records may want to consider the follow companies, which had the lowest average rates :

1. Geico : $ 986 per year, or about $ 82 per month .
2. North Carolina Farm Bureau : $ 1,094 per year, or about $ 91 per calendar month .
3. Penn National : $ 1,391 per year, or about $ 116 per calendar month .
4. erie : $ 1,468 per year, or about $ 122 per month .
5. MetLife : $ 1,474 per class, or about $ 123 per calendar month .

Cheapest minimum coverage car insurance in North Carolina for 20-year-olds

Drivers in North Carolina who want precisely the state minimum coverage may want to check with these companies, which had the lowest average rates :

1. Geico : $ 331 per class, or about $ 28 per month .
2. North Carolina Farm Bureau : $ 365 per year, or about $ 30 per calendar month .
3. Penn National : $ 451 per year, or about $ 38 per calendar month .
4. MetLife : $ 486 per year, or about $ 40 per month .
5. lake erie : $ 498 per year, or about $ 42 per month .

Cheapest auto insurance in North Carolina for 20-year-olds with poor credit

Drivers with inadequate credit in North Carolina should look at the following insurers with the lowest average rates for minimum coverage :

1. MetLife : $ 486 per year, or about $ 40 per calendar month .
2. Penn National : $ 488 per year, or about $ 41 per month .
3. progressive : $ 503 per year, or about $ 42 per month .
4. erie : $ 551 per year, or about $ 46 per month .
5. Geico : $ 569 per year, or about $ 47 per calendar month .

Cheapest auto insurance in North Carolina for 20-year-old drivers with one at-fault crash

For drivers with a holocene accident in North Carolina, hera are the companies with the lowest average rates for minimal coverage :

1. North Carolina Farm Bureau : $ 573 per year, or about $ 48 per calendar month .
2. Geico : $ 694 per class, or about $ 58 per calendar month .
3. Penn National : $ 727 per year, or about $ 61 per calendar month .
4. MetLife : $ 777 per year, or about $ 65 per calendar month .
5. progressive : $ 802 per year, or about $ 67 per calendar month .

Cheapest auto insurance in North Carolina for 20-year-old drivers after a DUI

The cheapest car policy we found after a DUI is shown hera, alongside the insurers ‘ average rates for minimum coverage .

1. North Carolina Farm Bureau : $ 484 per class, or about $ 40 per calendar month .
2. Penn National : $ 609 per year, or about $ 51 per calendar month .
3. progressive : $ 674 per year, or about $ 56 per calendar month .
4. lake erie : $ 694 per class, or about $ 58 per calendar month .
5. Allstate : $ 869 per year, or about $ 72 per month .

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Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper cable car indemnity rates than in their teens and 20s. still, factors like a person ’ randomness drive commemorate and car do and exemplar can increase prices. Drivers in their 30s can get lower rates by shopping about and taking advantage of any car indemnity discounts.

Cheapest full coverage car insurance in North Carolina for 30-year-olds

Drivers in North Carolina with clean drive records may get the lowest rates from these companies :

1. Geico : $ 822 per year, or about $ 68 per calendar month .
2. submit farm : $ 1,070 per class, or about $ 89 per calendar month .
3. North Carolina Farm Bureau : $ 1,088 per year, or about $ 91 per month .
4. erie : $ 1,093 per class, or about $ 91 per month .
5. countrywide : $ 1,342 per year, or about $ 112 per calendar month .

Cheapest minimum coverage car insurance in North Carolina for 30-year-olds

Drivers in North Carolina who want their submit ‘s minimum coverage can check with the following companies, which had the lowest average rates :

1. Geico : $ 278 per class, or about $ 23 per calendar month .
2. lake erie : $ 359 per year, or about $ 30 per calendar month .
3. North Carolina Farm Bureau : $ 365 per year, or about $ 30 per month .
4. state grow : $ 365 per year, or about $ 30 per calendar month .
5. nationally : $ 404 per class, or about $ 34 per month .

Cheapest auto insurance in North Carolina for 30-year-olds with poor credit

Drivers with poor people recognition in North Carolina should consider the following companies with the lowest average rates for wide coverage :

1. erie : $ 1,213 per year, or about $ 101 per month .
2. Geico : $ 1,402 per year, or about $ 117 per month .
3. MetLife : $ 1,474 per year, or about $ 123 per calendar month .
4. Penn National : $ 1,509 per year, or about $ 126 per month .
5. progressive : $ 1,528 per class, or about $ 127 per month .

Cheapest auto insurance in North Carolina for 30-year-old drivers with one at-fault crash

For drivers in North Carolina with a holocene accident, hera are the lowest median rate options for full coverage :

1. North Carolina Farm Bureau : $ 1,698 per year, or about $ 142 per calendar month .
2. erie : $ 1,772 per year, or about $ 148 per month .
3. state farm : $ 1,871 per year, or about $ 156 per calendar month .
4. Geico : $ 2,112 per year, or about $ 176 per month .
5. Penn National : $ 2,204 per year, or about $ 184 per calendar month .

Cheapest auto insurance in North Carolina for 30-year-old drivers after a DUI

For the cheapest car indemnity after a DUI, we found the follow options for full coverage .

1. North Carolina Farm Bureau : $ 1,437 per year, or about $ 120 per calendar month .
2. erie : $ 1,491 per year, or about $ 124 per month .
3. countrywide : $ 1,821 per year, or about $ 152 per month .
4. Penn National : $ 1,856 per year, or about $ 155 per calendar month .
5. progressive : $ 2,034 per class, or about $ 170 per calendar month .

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Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older historic period groups. Shopping around for brassy cable car insurance quotes with multiple insurers is the best way to find lower rates. effective drivers who don ’ thymine receive behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in North Carolina for 40-year-olds

Drivers in North Carolina with clean drive records may want to think about the follow companies, which had the lowest average rates :

1. Geico : $ 803 per year, or about $ 67 per month .
2. submit farm : $ 961 per class, or about $ 80 per calendar month .
3. erie : $ 1,045 per year, or about $ 87 per month .
4. North Carolina Farm Bureau : $ 1,048 per year, or about $ 87 per calendar month .
5. nationally : $ 1,298 per year, or about $ 108 per calendar month .

Cheapest minimum coverage car insurance in North Carolina for 40-year-olds

Drivers in North Carolina who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates :

1. Geico : $ 278 per year, or about $ 23 per calendar month .
2. department of state grow : $ 330 per class, or about $ 28 per month .
3. erie : $ 343 per year, or about $ 29 per calendar month .
4. North Carolina Farm Bureau : $ 353 per year, or about $ 29 per month .
5. nationally : $ 389 per year, or about $ 32 per month .

Cheapest auto insurance in North Carolina for 40-year-olds with poor credit

Drivers with poor people credit in North Carolina can check out the following insurers with the lowest average rates for full coverage :

1. lake erie : $ 1,163 per year, or about $ 97 per calendar month .
2. Geico : $ 1,367 per year, or about $ 114 per calendar month .
3. MetLife : $ 1,474 per year, or about $ 123 per month .
4. Penn National : $ 1,509 per year, or about $ 126 per calendar month .
5. progressive : $ 1,528 per year, or about $ 127 per calendar month .

Cheapest auto insurance in North Carolina for 40-year-old drivers with one at-fault crash

For drivers with a recent accident support in North Carolina, here are the companies with the lowest average rates for full coverage :

1. North Carolina Farm Bureau : $ 1,635 per year, or about $ 136 per month .
2. state farm : $ 1,672 per year, or about $ 139 per month .
3. lake erie : $ 1,694 per year, or about $ 141 per month .
4. Geico : $ 2,084 per class, or about $ 174 per calendar month .
5. Penn National : $ 2,204 per class, or about $ 184 per calendar month .

Cheapest auto insurance in North Carolina for 40-year-old drivers after a DUI

The cheapest full coverage car indemnity we found for drivers with a DUI came from the following companies .

1. North Carolina Farm Bureau : $ 1,384 per class, or about $ 115 per month .
2. erie : $ 1,425 per class, or about $ 119 per calendar month .
3. nationally : $ 1,760 per class, or about $ 147 per calendar month .
4. Penn National : $ 1,856 per year, or about $ 155 per month .
5. progressive : $ 2,034 per year, or about $ 170 per calendar month .

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car indemnity rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more drive experience. Rates can even vary depending on other factors such as a driver ’ mho sex and placement, so it ’ randomness smart to shop around to find the best rate. Our tilt of cheap car insurance companies is a good stead to start.

Cheapest full coverage car insurance in North Carolina for 50-year-olds

Drivers in North Carolina with clean drive records may want to get quotes from these insurers, which had the lowest median rates :

1. Geico : $ 843 per year, or about $ 70 per month .
2. state grow : $ 897 per class, or about $ 75 per calendar month .
3. North Carolina Farm Bureau : $ 990 per year, or about $ 82 per month .
4. erie : $ 994 per year, or about $ 83 per calendar month .
5. nationally : $ 1,219 per year, or about $ 102 per calendar month .

Cheapest minimum coverage car insurance in North Carolina for 50-year-olds

Drivers in North Carolina who opt for the submit minimum coverage may want to consider the keep up companies, with the lowest median rates :

1. Geico : $ 291 per class, or about $ 24 per calendar month .
2. state grow : $ 309 per year, or about $ 26 per month .
3. North Carolina Farm Bureau : $ 334 per year, or about $ 28 per calendar month .
4. erie : $ 336 per year, or about $ 28 per calendar month .
5. countrywide : $ 375 per class, or about $ 31 per month .

Cheapest auto insurance in North Carolina for 50-year-olds with poor credit

Drivers with poor credit in North Carolina can check with the following companies, which showed the lowest median rates for wax coverage :

1. lake erie : $ 1,106 per year, or about $ 92 per month .
2. Geico : $ 1,440 per year, or about $ 120 per calendar month .
3. MetLife : $ 1,474 per year, or about $ 123 per calendar month .
4. countrywide : $ 1,492 per year, or about $ 124 per calendar month .
5. Penn National : $ 1,509 per year, or about $ 126 per calendar month .

Cheapest auto insurance in North Carolina for 50-year-old drivers with one at-fault crash

For drivers living in North Carolina with a recent accident, here are the insurers with the lowest modal wax coverage rates :

1. North Carolina Farm Bureau : $ 1,539 per year, or about $ 128 per month .
2. erie : $ 1,610 per year, or about $ 134 per calendar month .
3. state farm : $ 1,610 per year, or about $ 134 per calendar month .
4. Geico : $ 2,147 per year, or about $ 179 per calendar month .
5. Penn National : $ 2,204 per year, or about $ 184 per month .

Cheapest auto insurance in North Carolina for 50-year-old drivers after a DUI

The cheapest car insurance we found for drivers with a late DUI comes from the following companies, listed with rates for full coverage .

1. North Carolina Farm Bureau : $ 1,304 per year, or about $ 109 per calendar month .
2. erie : $ 1,355 per class, or about $ 113 per calendar month .
3. nationally : $ 1,651 per class, or about $ 138 per calendar month .
4. Penn National : $ 1,856 per year, or about $ 155 per month .
5. progressive : $ 2,034 per year, or about $ 170 per calendar month .

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car policy rates than many other age groups on average, prices will start increasing as they get older. To find bum car policy for seniors, drivers in their 60s should make certain to shop around to find the best rate. Drivers in this age group should besides take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in North Carolina for 60-year-olds

Drivers in North Carolina with fairly repel records may want to think about getting quotes from these companies, which had the lowest average rates :

1. Geico : $ 761 per year, or about $ 63 per calendar month .
2. state farm : $ 897 per year, or about $ 75 per calendar month .
3. erie : $ 966 per class, or about $ 80 per month .
4. North Carolina Farm Bureau : $ 990 per year, or about $ 82 per month .
5. nationally : $ 1,137 per year, or about $ 95 per calendar month .

Cheapest minimum coverage car insurance in North Carolina for 60-year-olds

Drivers in North Carolina who want barely the state of matter minimum coverage may want to check with these insurers, which had the lowest average rates :

1. Geico : $ 300 per year, or about $ 25 per calendar month .
2. department of state farm : $ 309 per year, or about $ 26 per calendar month .
3. North Carolina Farm Bureau : $ 334 per year, or about $ 28 per month .
4. erie : $ 335 per year, or about $ 28 per calendar month .
5. countrywide : $ 355 per year, or about $ 30 per month .

Cheapest auto insurance in North Carolina for 60-year-olds with poor credit

Drivers with poor credit in North Carolina can look at the following companies with the lowest average rates for full coverage :

1. lake erie : $ 1,074 per class, or about $ 90 per calendar month .
2. Geico : $ 1,376 per year, or about $ 115 per calendar month .
3. nationally : $ 1,385 per year, or about $ 115 per month .
4. MetLife : $ 1,465 per year, or about $ 122 per month .
5. Penn National : $ 1,509 per class, or about $ 126 per calendar month .

Cheapest auto insurance in North Carolina for 60-year-old drivers with one at-fault crash

For drivers with a holocene accident life in North Carolina, here are the companies with the lowest average rates for full coverage :

1. state grow : $ 1,446 per year, or about $ 120 per calendar month .
2. North Carolina Farm Bureau : $ 1,539 per year, or about $ 128 per month .
3. erie : $ 1,565 per year, or about $ 130 per calendar month .
4. countrywide : $ 2,051 per year, or about $ 171 per calendar month .
5. Geico : $ 2,101 per year, or about $ 175 per month .

Cheapest auto insurance in North Carolina for 60-year-old drivers after a DUI

The cheapest car insurance we found after a DUI came from the following companies, shown with their average rates for wax coverage .

1. North Carolina Farm Bureau : $ 1,304 per year, or about $ 109 per calendar month .
2. erie : $ 1,317 per class, or about $ 110 per month .
3. nationally : $ 1,536 per year, or about $ 128 per month .
4. Allstate : $ 1,827 per year, or about $ 152 per month .
5. Penn National : $ 1,856 per class, or about $ 155 per month .

See what you could save on car insurance

well compare personalized rates to see how much throw car policy could save you.

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Minimum auto insurance limits required in North Carolina

North Carolina requires drivers to carry indebtedness policy, uninsured motorist bodily injury coverage ( UMBI ) and uninsured motorist property price coverage ( UMPD ) in the watch amounts :

• $ 30,000 bodily injury liability per person .
• $ 60,000 bodily injury liability per accident .
• $ 25,000 property price indebtedness per accident .
• $ 30,000 UMBI per person .
• $ 60,000 UMBI per accident .
• $ 25,000 UMPD per accident .

indebtedness car insurance covers the cost of any wrong, injuries or deaths you cause in a car accident, up to your policy ’ s predefined limits. Uninsured motorist coverage will cover expenses from injuries or damage after an accident with a driver who doesn ’ thymine have car indemnity. Underinsured motorist coverage will cover the same expenses if you ’ ra hit by a driver with some car policy, but not enough to cover all costs from the barge in. While this will satisfy legal requirements, the bare minimal may not provide the soundest fiscal protective covering. If you cause a severe doss with person driving a luxury car, for case, you could well owe more than $ 25,000 in fomite repairs. And if you carry only the minimum limits, you ’ vitamin d pay any supernumerary costs. Check out NerdWallet ’ s guide to state of matter car insurance requirements for more details on what each coverage type pays for.

Alternative car insurance for high-risk drivers

Drivers who are denied car insurance on the voluntary market — because of poor citation, DUIs or early factors — can seek coverage through the North Carolina Reinsurance Facility. Budget-conscious shoppers can besides use NerdWallet to find brassy car policy in North Carolina. Try our cable car indemnity comparison instrument from the state ’ south largest insurers

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