The Cheapest Car Insurance in North Carolina for 2022 – NerdWallet

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GET MY RATES Get started on Insure.com The average price of wide coverage car insurance in North Carolina is $ 1,255 per year, or about $ 105 per calendar month, according to NerdWallet ’ randomness analysis. minimal coverage in North Carolina is $ 402 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in North Carolina at $ 278 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a blank drive record. Why you can trust NerdWallet : Our writers and editors follow hard-and-fast editorial 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 nation where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change alone one variable at a time, so you can easily see how each component affects price .

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

How we chose the cheapest companies in North Carolina

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

• $ 100,000 bodily injury indebtedness per person .
• $ 300,000 bodily wound indebtedness 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 bunch of quotes to find the best cheap car indemnity. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. still, some companies routinely have better indemnity rates for youthful 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 clean drive records may want to consider the follow companies, which had the lowest average rates :

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

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

Drivers in North Carolina who want barely the express 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 month .
3. Penn National : $ 451 per year, or about $ 38 per calendar month .
4. MetLife : $ 486 per year, or about $ 40 per calendar month .
5. erie : $ 498 per year, or about $ 42 per month .

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

Drivers with poor people credit in North Carolina should look at the following insurers with the lowest average rates for minimal coverage :

1. MetLife : $ 486 per class, or about $ 40 per month .
2. Penn National : $ 488 per year, or about $ 41 per month .
3. progressive : $ 503 per class, or about $ 42 per calendar month .
4. erie : $ 551 per class, or about $ 46 per month .
5. Geico : $ 569 per year, or about $ 47 per 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, here 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 year, or about $ 58 per calendar month .
3. Penn National : $ 727 per year, or about $ 61 per month .
4. MetLife : $ 777 per class, 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 here, alongside the insurers ‘ average rates for minimum coverage .

1. North Carolina Farm Bureau : $ 484 per year, or about $ 40 per calendar month .
2. Penn National : $ 609 per class, or about $ 51 per month .
3. progressive : $ 674 per year, or about $ 56 per month .
4. erie : $ 694 per year, or about $ 58 per 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 car policy rates than in their teens and 20s. still, factors like a person ’ sulfur drive record and car gain and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car policy discounts.

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

Drivers in North Carolina with blank tug records may get the lowest rates from these companies :

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

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

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

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

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

Drivers with inadequate credit in North Carolina should consider the following companies with the lowest average rates for full coverage :

1. lake erie : $ 1,213 per year, or about $ 101 per month .
2. Geico : $ 1,402 per year, or about $ 117 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. liberal : $ 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, here are the lowest modal rate options for full coverage :

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

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

For the cheapest car policy after a DUI, we found the comply options for fully coverage .

1. North Carolina Farm Bureau : $ 1,437 per class, or about $ 120 per calendar month .
2. erie : $ 1,491 per year, or about $ 124 per calendar month .
3. countrywide : $ 1,821 per year, or about $ 152 per calendar month .
4. Penn National : $ 1,856 per year, or about $ 155 per calendar month .
5. progressive : $ 2,034 per year, or about $ 170 per 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 old age groups. Shopping around for brassy car insurance quotes with multiple insurers is the best means to find lower rates. good drivers who don ’ metric ton have behind the wheel often might want to consider pay-per-mile indemnity, 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 scavenge drive records may want to think about the postdate companies, which had the lowest average rates :

1. Geico : $ 803 per class, or about $ 67 per calendar month .
2. state farm : $ 961 per year, or about $ 80 per calendar month .
3. lake erie : $ 1,045 per year, or about $ 87 per calendar month .
4. North Carolina Farm Bureau : $ 1,048 per year, or about $ 87 per 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 fair the minimum coverage may want to check prices from these companies, which had the lowest median rates :

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

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

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

1. erie : $ 1,163 per class, 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 month .

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

For drivers with a recent accident living 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 calendar 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 year, or about $ 184 per calendar month .

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

The cheapest fully coverage car policy 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. lake erie : $ 1,425 per year, or about $ 119 per calendar month .
3. nationally : $ 1,760 per year, or about $ 147 per calendar month .
4. Penn National : $ 1,856 per class, 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 cable car policy rates than most other age groups on modal. Prices will continue to drop as they inch toward their 60s and gain more drive feel. Rates can placid vary depending on other factors such as a driver ’ s sex and localization, so it ’ sulfur smart to shop around to find the best pace. Our list of bum car insurance companies is a full place 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 average rates :

1. Geico : $ 843 per year, or about $ 70 per calendar month .
2. state farm : $ 897 per year, or about $ 75 per month .
3. North Carolina Farm Bureau : $ 990 per year, or about $ 82 per calendar month .
4. erie : $ 994 per year, or about $ 83 per calendar month .
5. nationally : $ 1,219 per class, or about $ 102 per 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 follow companies, with the lowest average rates :

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

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

Drivers with inadequate recognition in North Carolina can check with the following companies, which showed the lowest average rates for wax coverage :

1. erie : $ 1,106 per year, or about $ 92 per calendar month .
2. Geico : $ 1,440 per year, or about $ 120 per month .
3. MetLife : $ 1,474 per year, or about $ 123 per month .
4. countrywide : $ 1,492 per class, or about $ 124 per calendar month .
5. Penn National : $ 1,509 per class, or about $ 126 per 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 holocene accident, here are the insurers with the lowest average full coverage rates :

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

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

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

1. North Carolina Farm Bureau : $ 1,304 per class, or about $ 109 per calendar month .
2. lake erie : $ 1,355 per year, or about $ 113 per month .
3. countrywide : $ 1,651 per class, or about $ 138 per 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 early age groups on average, prices will start increasing as they get older. To find cheap car indemnity for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this historic period 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 clean drive 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 of matter farm : $ 897 per class, or about $ 75 per month .
3. erie : $ 966 per year, or about $ 80 per calendar month .
4. North Carolina Farm Bureau : $ 990 per year, or about $ 82 per month .
5. countrywide : $ 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 fair 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. state grow : $ 309 per class, or about $ 26 per calendar month .
3. North Carolina Farm Bureau : $ 334 per class, or about $ 28 per calendar month .
4. lake erie : $ 335 per year, or about $ 28 per calendar month .
5. countrywide : $ 355 per class, 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 modal rates for entire coverage :

1. erie : $ 1,074 per year, or about $ 90 per calendar month .
2. Geico : $ 1,376 per year, or about $ 115 per calendar month .
3. countrywide : $ 1,385 per year, or about $ 115 per calendar month .
4. MetLife : $ 1,465 per class, or about $ 122 per month .
5. Penn National : $ 1,509 per year, 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 late accident living in North Carolina, here are the companies with the lowest average rates for full coverage :

1. state farm : $ 1,446 per year, or about $ 120 per month .
2. North Carolina Farm Bureau : $ 1,539 per year, or about $ 128 per month .
3. lake erie : $ 1,565 per year, or about $ 130 per calendar month .
4. nationally : $ 2,051 per class, or about $ 171 per 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 policy we found after a DUI came from the following companies, shown with their average rates for broad coverage .

1. North Carolina Farm Bureau : $ 1,304 per class, or about $ 109 per calendar month .
2. lake erie : $ 1,317 per year, or about $ 110 per month .
3. countrywide : $ 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 year, or about $ 155 per month .

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Minimum auto insurance limits required in North Carolina

North Carolina requires drivers to carry liability policy, uninsured motorist bodily injury coverage ( UMBI ) and uninsured motorist place damage coverage ( UMPD ) in the follow amounts :

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

liability car insurance covers the price of any damage, injuries or deaths you cause in a car accident, up to your policy ’ randomness predefined limits. Uninsured motorist coverage will cover expenses from injuries or price after an accident with a driver who doesn ’ thyroxine have cable car policy. 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 doss. While this will satisfy legal requirements, the plain minimum may not provide the soundest fiscal auspices. If you cause a severe barge in with person driving a luxury car, for exemplify, you could easily owe more than $ 25,000 in vehicle repairs. And if you carry entirely the minimum limits, you ’ d pay any extra costs. Check out NerdWallet ’ s lead to state car indemnity requirements for more details on what each coverage character pays for.

Alternative car insurance for high-risk drivers

Drivers who are denied cable car insurance on the voluntary grocery store — because of poor people credit, DUIs or other factors — can seek coverage through the North Carolina Reinsurance Facility. Budget-conscious shoppers can besides use NerdWallet to find cheap car policy in North Carolina. Try our car indemnity comparison tool from the department of state ’ south largest insurers