Key Takeaways: The Cheapest Car Insurance in North Carolina
- Progressive has the overall cheapest car insurance in North Carolina across a variety of driving records, based on the companies in our analysis.
- Progressive has the overall cheapest car insurance in North Carolina for good drivers, based on the companies in our analysis.
The Cheapest Car Insurance Companies in North Carolina for Good Drivers
| Cheapest for... | Company | Average monthly cost in North Carolina | Learn More |
|---|---|---|---|
| 20-year-olds | $71 | Via Forbes Advisor's Partner | |
| 30-year-olds | $71 | Via Forbes Advisor's Partner | |
| 40-year-olds | $71 | Via Forbes Advisor's Partner | |
| 50-year-olds | $71 | Via Forbes Advisor's Partner | |
| 60-year-olds | $70 | Via Forbes Advisor's Partner | |
| 70-year-olds | $71 | Via Forbes Advisor's Partner | |
| 80-year-olds | $71 | Via Forbes Advisor's Partner |
Source: Quadrant Information Services.
*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.
Cheap Car Insurance for 20-Year-Olds in North Carolina
Young drivers in North Carolina can face high insurance rates, especially if you’re not on a parent’s car insurance policy. In North Carolina, these companies had the cheapest car insurance according to our analysis.
Cheapest Full Coverage Car Insurance for 20-Year-Olds in North Carolina
We found the cheapest rates from the following companies if you’re looking for a full coverage policy.
- Progressive: $71 a month
- Erie: $97 a month
- State Farm: $112 a month
- Penn National: $139 a month
- Geico: $159 a month
Cheapest Minimum Coverage for 20-Year-Olds in North Carolina
If you’re looking for only the minimum auto insurance in North Carolina, check prices from these companies.
- Progressive: $32 a month
- Erie: $34 a month
- GMAC: $46 a month
- Penn National: $47 a month
- Geico: $53 a month
Cheapest Auto Insurance for 20-Year-Olds in North Carolina With Poor Credit
Poor credit can cause a steep increase in car insurance rates compared to the same driver with good credit. We found these companies to have the cheapest costs in our analysis.
- Progressive: $71 a month
- Penn National: $139 a month
- Erie: $143 a month
- Nationwide: $250 a month
- Geico: $283 a month
Cheapest Auto Insurance for 20-Year-Olds in North Carolina With a Speeding Ticket
Be prepared for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in North Carolina for drivers with a speeding ticket.
- Progressive: $102 a month
- Erie: $157 a month
- State Farm: $162 a month
- Penn National: $201 a month
- Geico: $203 a month
Cheapest Car Insurance in North Carolina for 20-Year-Olds With an At-Fault Accident
Below are the cheapest options we found for North Carolina drivers who caused an accident that injured someone else.
- Progressive: $110 a month
- Erie: $170 a month
- State Farm: $185 a month
- Penn National: $218 a month
- Geico: $329 a month
Cheapest Auto Insurance for 20-Year-Olds in North Carolina After a DUI
Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in North Carolina who have a DUI conviction.
- Progressive: $262 a month
- Erie: $412 a month
- State Farm: $423 a month
- Penn National: $522 a month
- Geico: $533 a month
Cheap Car Insurance for 30-Year-Olds in North Carolina
Drivers age 30 in North Carolina can find very high insurance rates depending on their driving record. Here’s a look at the cheapest companies for a variety of common driving records.
Cheapest Full Coverage Car Insurance for 30-Year-Olds in North Carolina
We found the cheapest rates from the following companies if you’re looking for a full coverage policy.
- Progressive: $71 a month
- Erie: $78 a month
- State Farm: $78 a month
- Nationwide: $125 a month
- Geico: $132 a month
Cheapest Minimum Coverage for 30-Year-Olds in North Carolina
If you’re looking for only the minimum auto insurance in North Carolina, check quotes from these companies.
- Erie: $27 a month
- Progressive: $32 a month
- GMAC: $42 a month
- Nationwide: $44 a month
- Geico: $44 a month
Cheapest Auto Insurance for 30-Year-Olds in North Carolina With Poor Credit
Poor credit can cause a large increase in auto insurance rates compared to the same driver with good credit. We found these companies to have the cheapest rates in our analysis.
- Progressive: $71 a month
- Erie: $113 a month
- Penn National: $139 a month
- Nationwide: $160 a month
- Geico: $227 a month
Cheapest Auto Insurance for 30-Year-Olds in North Carolina With a Speeding Ticket
Brace yourself for a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in North Carolina for drivers with a speeding ticket.
- Progressive: $102 a month
- State Farm: $111 a month
- Erie: $124 a month
- Nationwide: $180 a month
- Penn National: $201 a month
Cheapest Car Insurance in North Carolina for 30-Year-Olds With an At-Fault Accident
Below are the cheapest companies we found for North Carolina drivers who caused an accident that injured someone else.
- Progressive: $110 a month
- State Farm: $121 a month
- Erie: $134 a month
- Penn National: $218 a month
- Nationwide: $257 a month
Cheapest Auto Insurance for 30-Year-Olds in North Carolina After a DUI
Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in North Carolina who have a DUI conviction.
- Progressive: $262 a month
- State Farm: $285 a month
- Erie: $323 a month
- Nationwide: $464 a month
- Penn National: $522 a month
Cheap Car Insurance for 40-Year-Olds in North Carolina
North Carolina drivers age 40 can typically save significant money by comparing costs from multiple insurers. We looked at which companies offer the lowest quotes in North Carolina, depending on your driving record.
Cheapest Full Coverage Car Insurance for 40-Year-Olds in North Carolina
We found the cheapest rates from the following companies if you’re looking for a full coverage policy.
- Progressive: $71 a month
- State Farm: $74 a month
- Erie: $76 a month
- Nationwide: $117 a month
- Geico: $128 a month
Cheapest Minimum Coverage for 40-Year-Olds in North Carolina
If you’re looking for only the required auto insurance in North Carolina, check prices from these companies.
- Erie: $27 a month
- Progressive: $32 a month
- State Farm: $40 a month
- Nationwide: $41 a month
- GMAC: $41 a month
Cheapest Auto Insurance for 40-Year-Olds in North Carolina With Poor Credit
Poor credit can cause a steep increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.
- Progressive: $71 a month
- Erie: $110 a month
- Penn National: $139 a month
- Nationwide: $148 a month
- Geico: $221 a month
Cheapest Auto Insurance for 40-Year-Olds in North Carolina With a Speeding Ticket
Be prepared for a rate increase at renewal time if you have received a speeding ticket. In our analysis these companies have the cheapest car insurance in North Carolina for drivers with a speeding ticket.
- State Farm: $100 a month
- Progressive: $102 a month
- Erie: $121 a month
- Nationwide: $167 a month
- Penn National: $201 a month
Cheapest Car Insurance in North Carolina for 40-Year-Olds With an At-Fault Accident
Below are the cheapest insurers we found for North Carolina drivers who caused an accident that injured someone else.
- State Farm: $108 a month
- Progressive: $110 a month
- Erie: $131 a month
- Penn National: $218 a month
- Nationwide: $238 a month
Cheapest Auto Insurance for 40-Year-Olds in North Carolina After a DUI
Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in North Carolina who have a DUI conviction.
- State Farm: $254 a month
- Progressive: $262 a month
- Erie: $315 a month
- Nationwide: $430 a month
- Penn National: $522 a month
Cheap Car Insurance for 50-Year-Olds in North Carolina
North Carolina drivers in their 50s are enjoying the lowest rates they’ll get based on age. But a poor driving record can make cheap car insurance harder to find.
Cheapest Full Coverage Car Insurance for 50-Year-Olds in North Carolina
We found the cheapest rates from the following companies if you’re looking for a full coverage policy.
- Progressive: $71 a month
- Erie: $72 a month
- State Farm: $107 a month
- Nationwide: $109 a month
- Geico: $135 a month
Cheapest Minimum Coverage for 50-Year-Olds in North Carolina
If you’re looking for only the required auto insurance in North Carolina, check quotes from these companies.
- Erie: $26 a month
- Progressive: $32 a month
- State Farm: $38 a month
- Nationwide: $39 a month
- GMAC: $43 a month
Cheapest Auto Insurance for 50-Year-Olds in North Carolina With Poor Credit
Poor credit can cause a large increase in auto insurance rates compared to the same driver with good credit. We found these companies to have the cheapest costs in our analysis.
- Progressive: $71 a month
- Erie: $105 a month
- Nationwide: $138 a month
- Penn National: $139 a month
- Geico: $233 a month
Cheapest Auto Insurance for 50-Year-Olds in North Carolina With a Speeding Ticket
Brace yourself for a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in North Carolina for drivers with a speeding ticket.
- State Farm: $93 a month
- Progressive: $102 a month
- Erie: $115 a month
- Nationwide: $156 a month
- Penn National: $201 a month
Cheapest Car Insurance in North Carolina for 50-Year-Olds With an At-Fault Accident
Below are the cheapest insurers we found for North Carolina drivers who caused an accident that injured someone else.
- State Farm: $101 a month
- Progressive: $110 a month
- Erie: $125 a month
- Penn National: $218 a month
- Nationwide: $220 a month
Cheapest Auto Insurance for 50-Year-Olds in North Carolina After a DUI
Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in North Carolina who have a DUI conviction.
- State Farm: $236 a month
- Progressive: $262 a month
- Erie: $300 a month
- Nationwide: $399 a month
- Penn National: $522 a month
Cheap Car Insurance for 60-Year-Olds in North Carolina
Auto insurance rates often begin to rise around age 65, even if you have a great driving record. We found the cheapest insurers for North Carolina drivers at age 60.
Cheapest Full Coverage Car Insurance for 60-Year-Olds in North Carolina
We found the cheapest rates from the following companies if you’re looking for a full coverage policy.
- Erie: $70 a month
- Progressive: $71 a month
- Nationwide: $106 a month
- State Farm: $107 a month
- Geico: $128 a month
Cheapest Minimum Coverage for 60-Year-Olds in North Carolina
If you’re looking for only the required auto insurance in North Carolina, check rates from these companies.
- Erie: $25 a month
- Progressive: $32 a month
- State Farm: $38 a month
- Nationwide: $39 a month
- GMAC: $43 a month
Cheapest Auto Insurance for 60-Year-Olds in North Carolina With Poor Credit
Poor credit can cause a large increase in car insurance rates compared to the same driver with good credit. We found these companies to have the cheapest rates in our analysis.
- Progressive: $71 a month
- Erie: $101 a month
- Nationwide: $133 a month
- Penn National: $139 a month
- Geico: $223 a month
Cheapest Auto Insurance for 60-Year-Olds in North Carolina With a Speeding Ticket
Be prepared for a rate increase at renewal time if you have received a speeding ticket. In our analysis these companies have the cheapest car insurance in North Carolina for drivers with a speeding ticket.
- State Farm: $96 a month
- Progressive: $102 a month
- Erie: $111 a month
- Nationwide: $151 a month
- Geico: $198 a month
Cheapest Car Insurance in North Carolina for 60-Year-Olds With an At-Fault Accident
Below are the cheapest options we found for North Carolina drivers who caused an accident that injured someone else.
- State Farm: $101 a month
- Progressive: $110 a month
- Erie: $120 a month
- Nationwide: $213 a month
- Penn National: $218 a month
Cheapest Auto Insurance for 60-Year-Olds in North Carolina After a DUI
Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in North Carolina who have a DUI conviction.
- State Farm: $236 a month
- Progressive: $262 a month
- Erie: $287 a month
- Nationwide: $387 a month
- Penn National: $522 a month
Cheap Car Insurance for 70-Year-Olds in North Carolina
North Carolina drivers age 70 are getting higher rates due to age. But relatively cheap auto insurance can still be found by comparing rates from a few companies.
Cheapest Full Coverage Car Insurance for 70-Year-Olds in North Carolina
We found the cheapest rates from the following companies if you’re looking for a full coverage policy.
- Progressive: $71 a month
- Erie: $83 a month
- Nationwide: $111 a month
- State Farm: $121 a month
- Penn National: $139 a month
Cheapest Minimum Coverage for 70-Year-Olds in North Carolina
If you’re looking for only the required auto insurance in North Carolina, check prices from these companies.
- Erie: $29 a month
- Progressive: $32 a month
- Nationwide: $41 a month
- State Farm: $43 a month
- Penn National: $47 a month
Cheapest Auto Insurance for 70-Year-Olds in North Carolina With Poor Credit
Poor credit can cause a large increase in auto insurance rates compared to the same driver with good credit. We found these companies to have the cheapest rates in our analysis.
- Progressive: $71 a month
- Erie: $122 a month
- Penn National: $139 a month
- Nationwide: $140 a month
- North Carolina Farm Bureau: $278 a month
Cheapest Auto Insurance for 70-Year-Olds in North Carolina With a Speeding Ticket
Brace yourself for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in North Carolina for drivers with a speeding ticket.
- Progressive: $102 a month
- State Farm: $106 a month
- Erie: $133 a month
- Nationwide: $158 a month
- Penn National: $201 a month
Cheapest Car Insurance in North Carolina for 70-Year-Olds With an At-Fault Accident
Below are the cheapest options we found for North Carolina drivers who caused an accident that injured someone else.
- Progressive: $110 a month
- State Farm: $115 a month
- Erie: $144 a month
- Penn National: $218 a month
- Nationwide: $224 a month
Cheapest Auto Insurance for 70-Year-Olds in North Carolina After a DUI
Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in North Carolina who have a DUI conviction.
- Progressive: $262 a month
- Erie: $348 a month
- State Farm: $356 a month
- Nationwide: $406 a month
- Penn National: $522 a month
Cheapest Car Insurance In Charlotte, North Carolina
| Cheapest for... | Company | Average monthly cost in Raleigh | Learn More |
|---|---|---|---|
| Good drivers | $76 | Via Forbes Advisor's Partner | |
| Drivers with a speeding ticket | Progressive | $109 | Via Forbes Advisor's Partner |
| Drivers who caused an accident with injury | Progressive | $118 | Via Forbes Advisor's Partner |
| Drivers with a DUI | Progressive | $280 | Via Forbes Advisor's Partner |
| Driver with poor credit | Progressive | $76 | Via Forbes Advisor's Partner |
Cheapest Car Insurance In Raleigh, North Carolina
| Cheapest for . . . | Company | Average monthly cost in Raleigh | Learn More |
|---|---|---|---|
| Good drivers | $82 | Via Forbes Advisor's Partner | |
| Drivers with a speeding ticket | Progressive | $118 | Via Forbes Advisor's Partner |
| Drivers who caused an accident with injury | Progressive | $128 | Via Forbes Advisor's Partner |
| Drivers with a DUI | Progressive | $303 | Via Forbes Advisor's Partner |
| Driver with poor credit | Progressive | $82 | Via Forbes Advisor's Partner |
Cheapest Car Insurance In Greensboro, North Carolina
| Cheapest for . . . | Company | Average monthly cost in Greensboro | Learn More |
|---|---|---|---|
| Good drivers | $65 | Via Forbes Advisor's Partner | |
| Drivers with a speeding ticket | State Farm | $93 | Via Forbes Advisor's Partner |
| Drivers who caused an accident with injury | State Farm | $101 | Via Forbes Advisor's Partner |
| Drivers with a DUI | State Farm | $237 | Via Forbes Advisor's Partner |
| Driver with poor credit | Progressive | $65 | Via Forbes Advisor's Partner |
How to Find Cheap Car Insurance in North Carolina
Finding economical car insurance in North Carolina can be done by using a few guidelines. An ideal car insurance policy for you will have a competitive price and coverage features that address your situation.
Compare Quotes from Multiple Auto Insurance Companies
A good way to get cheap car insurance in North Carolina is to check insurance quotes from multiple companies. If you don’t have a range of quotes to compare, you won’t know if you’re getting a good deal. Even if your driving record isn’t great, shopping around can show significant cost differences among companies.
Consider Switching Companies When Your Driving Record Changes
Getting a ticket or causing an accident will usually result in an insurance bill increase. A company that offered cheap North Carolina car insurance for you previously may no longer be a smart option. In some cases you need to switch car insurance companies in order to score low rates again.
Regularly Review Your Car Insurance Coverage
It’s easy to put your auto policy in a drawer and focus on more fun things. But if you haven’t reviewed your policy in a long time, it may be a smart move to assess your coverage. Look for coverage you no longer need, and how much you could save by cutting it. If you’re not sure what the coverage types are that you have, ask your agent to explain.
Rethink Your Deductible
By increasing your car insurance deductible you can lower your premium for collision and comprehensive coverage. You’ll pay more toward car repairs if you make a claim, but overall you could still save money over time. And if your car isn’t worth much, you may want to cut collision and comprehensive insurance completely.
Look Into Car Insurance Discounts
Many car insurance discounts are added to your policy automatically, but there may be other car insurance discounts your insurer doesn’t know you’re eligible for. For example, if you have a high school or college student in your household who gets good grades, you might qualify for a good student discount. Ask your insurance agent for a review of possible discounts.
Take Advantage of Bundling
Maximize your savings by bundling car insurance with other policies from the same insurer. Whether it’s North Carolina auto and homeowners insurance or car insurance paired with condo or renters insurance, bundling can lead to a significant cost reduction, often averaging around 14%, based on our analysis.
Optimize Your Insurance Payment Strategy
You may be able to get small price breaks based on the way you pay your car insurance bill. Some insurers offer discounts for:
- Going paperless for bills and policy documents.
- Using EFT payments if you’re paying monthly.
- Paying for the entire policy term at the beginning of the term.
Methodology
Except where otherwise noted, average rates are based on a female driver insuring a new RAV4 with coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state. Average rates for cities are based on a 40-year-old female good driver with the above coverage. Source: Quadrant Information Services.
Cheap Car Insurance Companies 2025
With so many choices for car insurance companies, it can be hard to know where to start to find the right car insurance. We've evaluated insurers to find the cheapest car insurance companies, so you don't have to.
Find The Cheapest Car Insurance In North Carolina
Via Forbes Advisor's Partner
