- State Farm offers the cheapest liability insurance at $37/mo
- Progressive offers the cheapest full coverage auto insurance at $69/mo
Enter your ZIP code to start your search for North Carolina car insurance:
Car insurance quotes in North Carolina
Securing affordable car insurance in North Carolina is more manageable than in many other states, with the average full coverage policy costing around $733 for six months — 37% cheaper than the national average.[1] However, 44% of North Carolinians still feel they are paying too much for car insurance.[2]
Cheapest liability coverage in NC
- State Farm offers the cheapest liability coverage in North Carolina at $37/mo.
See more minimum coverage companies in NC ↓
Cheapest full coverage in NC
- Progressive offers the cheapest full coverage in North Carolina at $69/mo.
See more full coverage companies in NC ↓
Best customer service in NC
- Erie Insurance scored 718 (7.6% above average) in J.D. Power’s latest study — the highest in North Carolina.[3]
See more of the best companies in NC ↓
Cheap liability insurance in North Carolina
The average cost of a six-month liability insurance policy in North Carolina is $340. For our user profile, State Farm offers the most affordable liability coverage in the state.
For affordable car insurance, minimum liability coverage is often a popular choice. While it meets legal requirements, it’s important to consider the potential risks, as minimal coverage offers more limited protection. Check the table below for a good starting point if you’re looking for budget-friendly coverage in North Carolina.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $219 | $37 |
| Progressive | $250 | $42 |
| GEICO | $293 | $49 |
| Erie | $314 | $52 |
| Nationwide | $439 | $73 |
| Utica National Ins Group | $445 | $74 |
| Allstate | $488 | $81 |
Source: The Zebra
According to our data, 38% of North Carolina drivers insure their vehicles with liability coverage only. The North Carolina Department of Insurance requires minimum liability limits of 50/100/50, representing bodily injury coverage per person and per accident, as well as property damage. Additionally, NC requires uninsured/underinsured motorist coverage at the same levels, ensuring protection in case you’re involved in an accident with a driver who lacks adequate insurance.
For more details, check out our page covering the specifics of North Carolina car insurance limits and laws.
In North Carolina, state law mandates that every auto policy include UM/UIM coverage at limits matching your liability levels. Unlike many states where this is optional, North Carolina generally prevents you from rejecting this protection.[5]
While this ensures you’re covered if hit by a driver with little or no insurance, it can also make minimum policies slightly more expensive since the coverage is mandatory.
Cheap full coverage insurance in North Carolina
In 2026, a 6-month full coverage policy in North Carolina costs $733. The state’s contributory negligence law likely influences the decision of 62% of North Carolina drivers to opt for full coverage.[2][4] Under this law, being even slightly at fault in an accident can prevent you from recovering damages, making comprehensive protection more appealing.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $412 | $69 |
| State Farm | $449 | $75 |
| GEICO | $649 | $108 |
| Erie | $740 | $123 |
| Utica National Ins Group | $881 | $147 |
| Nationwide | $1,094 | $182 |
| Allstate | $1,204 | $201 |
Local insights
Drivers near you in North Carolina weigh in
“NC Farm Bureau has been fair to us for the last 8 years and if you have a new car (less than 5 years old and clean history thus far) they have an amazing ‘repair or replace’ option.”
– Reddit user r/Raleigh
“NC Farm Bureau is the best. My husband was on USAA and had a bad experience when his car was totaled (uninsured drunk driver), and he swapped all his coverage over once we got married.”
– Reddit user r/Northcarolina
What are the best car insurance companies in North Carolina?
We recognized Erie Insurance as one of the top car insurance providers in North Carolina based on a combination of customer feedback, third-party ratings from J.D. Power and AM Best, and a thorough review of their coverage options and discounts.
Below, you’ll find a breakdown of the advantages and disadvantages of choosing Erie Insurance , through a comparison of other highly-rated insurance companies in North Carolina.
