Best Car Insurance in North Carolina for 2024

Travelers scored as the best car insurance company in North Carolina overall, according to NerdWallet’s 2024 analysis.
Drew Gula
By Drew Gula 
Updated
Edited by Ben Moore
Best car insurance in North Carolina

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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 22 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.

NerdWallet’s editorial team considered pricing, discounts, complaint data from the National Association of Insurance Commissioners and more to determine the best car insurance companies in North Carolina. Our “ease of use” category includes factors such as website transparency and how simple it is to file a claim. As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies is likely to change over time. In our list of the best insurers in the state, we only include insurance companies that have achieved a minimum NerdWallet star rating of 4.5.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance company that works best for you. Our ratings are specific to auto insurance; a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.

Best car insurance in North Carolina overall: Travelers

Out of the 22 North Carolina car insurance companies we analyzed, Travelers earned the highest overall score. NerdWallet’s ratings focus primarily on factors that affect a customer’s experience with the company.

Read our Travelers auto insurance review to see why this insurer came out on top.

Best overall
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Travelers

5.0

NerdWallet rating 
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected
Best overall
insurance-product-card-logo

Travelers

5.0

NerdWallet rating 
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

Best North Carolina car insurance for your budget: Progressive

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.

One of the cheapest top-rated companies in North Carolina is Progressive. Our analysis showed that the average rate for full coverage insurance from Progressive is $906 a year, or $76 a month in North Carolina. (However, your rate may be different; you can read our methodology to see how we determine average rates.)

You can find out other details about this insurer in our Progressive auto insurance review.

🤓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.

Check out NerdWallet’s analysis of cheap car insurance in North Carolina for a more detailed breakdown of the most affordable insurers in your state.

Best budget pick
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Progressive

4.5

NerdWallet rating 
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

Close to expected
Best budget pick
insurance-product-card-logo

Progressive

4.5

NerdWallet rating 
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

Close to expected

Best North Carolina car insurance for customer complaints: Auto-Owners

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.

You can learn more about how Auto-Owners insurance works in our Auto-Owners insurance review.

Best for customer complaints
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Auto-Owners Insurance

5.0

NerdWallet rating 
People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options and few customer complaints.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Far fewer than expected
Best for customer complaints
insurance-product-card-logo

Auto-Owners Insurance

5.0

NerdWallet rating 
People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options and few customer complaints.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Far fewer than expected

Best North Carolina car insurance for ease of use: State Farm

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.

Read our State Farm auto insurance review to learn more.

Best for ease of use
insurance-product-card-logo

State Farm

5.0

NerdWallet rating 
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 for ease of use
insurance-product-card-logo

State Farm

5.0

NerdWallet rating 
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 22 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.

Company

Star rating

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

*USAA is available only to active-duty military members, veterans and their families.

Methodology

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Average rates methodology

NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.

In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.

These are average rates, and your rate will vary based on your personal details, state and insurance provider.

Sample drivers had the following coverage limits:

  • $100,000 bodily injury liability coverage per person.

  • $300,000 bodily injury liability coverage per crash.

  • $50,000 property damage liability coverage per crash.

  • $100,000 uninsured motorist bodily injury coverage per person.

  • $300,000 uninsured motorist bodily injury coverage per crash.

  • Collision coverage with $1,000 deductible.

  • Comprehensive coverage with $1,000 deductible.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”

  • For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.

  • For drivers with a DUI, we added a single drunken-driving violation.

We used a 2021 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for a 35-year-old driver.

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