North Carolina Auto Insurance Rates
Median premium: $707/6mo across 11 carriers and 1,081 ZIP codes.
Premiums range from $424 to $1,074 — a 2.5x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$707
per 6 months
ZIP Codes
1,081
with rate data
Carriers
11
rated in NC
Price Spread
2.5x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | USAA | $485 | 1,081 ZIPs | 100% | |
| 2 | Erie Insurance | $586 | 0 ZIPs | 0% | |
| 3 | State Farm | $620 | 0 ZIPs | 0% | |
| 4 | Auto-Owners | $621 | 0 ZIPs | 0% | |
| 5 | GEICO | $673 | 0 ZIPs | 0% | |
| 6 | Progressive | $707 | 0 ZIPs | 0% | |
| 7 | Farmers | $727 | 0 ZIPs | 0% | |
| 8 | Nationwide | $759 | 0 ZIPs | 0% | |
| 9 | Travelers | $773 | 0 ZIPs | 0% | |
| 10 | Liberty Mutual | $794 | 0 ZIPs | 0% | |
| 11 | Allstate | $876 | 0 ZIPs | 0% |
1
$485USAA#1 in 1,081 ZIPs (100%)
2
$586Erie Insurance#1 in 0 ZIPs (0%)
3
$620State Farm#1 in 0 ZIPs (0%)
4
$621Auto-Owners#1 in 0 ZIPs (0%)
5
$673GEICO#1 in 0 ZIPs (0%)
6
$707Progressive#1 in 0 ZIPs (0%)
7
$727Farmers#1 in 0 ZIPs (0%)
8
$759Nationwide#1 in 0 ZIPs (0%)
9
$773Travelers#1 in 0 ZIPs (0%)
10
$794Liberty Mutual#1 in 0 ZIPs (0%)
11
$876Allstate#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in North Carolina
| City | Avg Median | ZIPs |
|---|---|---|
| Durham | $424 | 16 |
| Asheville | $424 | 11 |
| Andrews | $424 | 1 |
| Brasstown | $424 | 1 |
| Culberson | $424 | 1 |
Most Expensive Cities in North Carolina
| City | Avg Median | ZIPs |
|---|---|---|
| Woodland | $867 | 1 |
| Wilson | $867 | 4 |
| Williamston | $867 | 1 |
| Whitakers | $867 | 1 |
| Weldon | $867 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$867/6mo
27897 (Woodland)
Cheapest ZIP
$424/6mo
27701 (Durham)
2.5x
Price Spread
The most expensive ZIP in North Carolina costs 2.5x more than the cheapest. Your ZIP code matters more than you think.
North Carolina Auto Insurance FAQ
ZIP Code Lookup
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All carriers in North Carolina
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Access ZIP-level rate data across all 11 carriers, 1,081 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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