Whether you live in the Charlotte metro area, near the Outer Banks or in a smaller town like Hillsborough, you’re probably still interested in finding the best car insurance in North Carolina.
However, comparing insurance companies can be difficult because different insurers have different perks and drawbacks. Do you want an easy-to-use mobile app? Are you interested in finding a budget-friendly option without sacrificing quality?
NerdWallet analyzed 25 insurance companies in North Carolina to help you find the best option for you. We split our top picks into four categories:
If you’d rather just see a full list of the best car insurance companies in North Carolina, you can jump to the bottom of the page.
How we found the best car insurance in North Carolina
Why you can trust NerdWallet
Best car insurance in North Carolina overall
Out of the 25 North Carolina car insurance companies we analyzed, Nationwide and Progressive tied for the highest overall score. NerdWallet’s ratings focus primarily on factors that affect a customer’s experience with the company.
Nationwide
5.0
Nationwide’s wide variety of coverage options and low number of complaints make it a solid choice for many consumers.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Nationwide
5.0
Nationwide’s wide variety of coverage options and low number of complaints make it a solid choice for many consumers.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Progressive
5.0
Progressive offers a variety of products, but there’s room for improvement when it comes to customer satisfaction.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Progressive
5.0
Progressive offers a variety of products, but there’s room for improvement when it comes to customer satisfaction.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Best North Carolina car insurance for your budget
Depending on your driving history and demographics, the best car insurance in North Carolina may not be the cheapest for you. But it’s possible to get car insurance that’s highly rated and also budget-friendly.
The cheapest top-rated company in North Carolina is State Farm. Our analysis showed that the average rate for full coverage insurance from State Farm is $1,207 a year, or $101 a month in North Carolina. (However, your rate may be different; you can read our methodology to see how we determine average rates.)
🤓Nerdy Tip
We don’t have data for every single company that offers coverage to North Carolina drivers, so compare car insurance rates from several companies to make sure which one is the cheapest for you.
State Farm
5.0
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.
Discounts
Average set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
State Farm
5.0
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.
Discounts
Average set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Best North Carolina car insurance for customer satisfaction
Auto-Owners is the best car insurance company in North Carolina in terms of customer satisfaction. It has the fewest customer complaints to North Carolina insurance regulators for a company of its size among NerdWallet’s 5-star insurers in the state.
Best for customer satisfaction
Auto-Owners Insurance
5.0
Auto-Owners offers generous perks and a wide range of coverage options but is available in only 26 states.
Discounts
Great set of discounts
Ease of use
Below average
NAIC complaints
Far fewer than expected
Best for customer satisfaction
Auto-Owners Insurance
5.0
Auto-Owners offers generous perks and a wide range of coverage options but is available in only 26 states.
Discounts
Great set of discounts
Ease of use
Below average
NAIC complaints
Far fewer than expected
Best North Carolina car insurance for ease of use
Our analysis found State Farm is the best car insurance company in North Carolina in terms of how easy it is to use and navigate both the company website and mobile app. Drivers can view their policy and submit claims online, and the State Farm mobile app has high user ratings for iOS and Android devices.
State Farm
5.0
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.
Discounts
Average set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
State Farm
5.0
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.
Discounts
Average set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Full list of the best car insurance companies in North Carolina
If you’re looking for even more options, NerdWallet analyzed 25 car insurers to find the best car insurance companies in North Carolina. Here are the insurers that earned a NerdWallet star rating of 4.5 or higher.
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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*USAA is available only to active-duty military members, veterans and their families. |
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