| Age Range | Best Insurance Company | Average Annual Comprehensive Premium | Why Are They the Best? | FIXD Insurance Rating (Out of 5) |
| 18-24 | GEICO | *$1200 | Better customer satisfaction than competitor with lower prices | 4.0 |
| 25-34 | GEICO | $1500 | Lowest rate and fair claims resolution | 4.0 |
| 35-44 | State Farm | $900 | Lowest rate and excellent customer service | 4.0 |
| 45-54 | USAA | $900 | Lowest rate and outstanding customer service | 4.5 |
| 55-64 | Nationwide | $1100 | Lowest rate and great customer service | 4.1 |
| 65 or older | USAA & Erie | $900 | Tied for lowest rate and both have amazing customer service | 4.5 & 4.2 |
Rising Car insurance rates? New driver in the household? Tired of all the poor customer service from your current auto insurance carrier? Don’t settle for your existing insurance if you can find a better deal or service somewhere else!
Keep reading to learn what car insurance companies have offered the best rates and customer service, according to drivers just like you in North Carolina. We’ll share what companies cater to your age group in the state.
Tired of filling out all the questionnaires just to get a simple car insurance quote? You’ll also find tips and free advice from an independently licensed insurance agent throughout the article.
Pro-tip
Work with an independent insurance agent to compare quotes from insurance companies. Independent agents can get quotes from multiple companies and offer the best to customers, and you’ll only have to fill out your personal info once!
North Carolina’s Best Car Insurance Companies
The best car insurance companies in North Carolina are Erie Insurance, USAA, GEICO, Hartford, and State Farm. These companies offer competitive premiums for comprehensive coverage without sacrificing customer satisfaction.
To discover which companies to recommend in North Carolina, we used surveys of FIXD users to find average auto insurance rates and customer satisfaction scores. You can read more about our methodology further down.
Comprehensive car insurance with collision offers the best financial protection for policyholders. We focused our recommendations around rates for comprehensive coverage whenever possible to make maximum coverage decisions easier.
| Best Car Insurance Companies North Carolina | Why? | FIXD User Average Rating(Out of 5) |
| Erie | Lowest average rate for auto insurance and excellent customer service | 4.2 |
| GEICO | Competitive rates for multiple age groups and great customer service | 4.0 |
| USAA | Second highest customer satisfaction and competitive rates | 4.5 |
| State Farm | Competitive rates and great customer service | 4.0 |
| Hartford | Highest customer satisfaction and competitive rates | 4.6 |
North Carolina’s Best Overall Insurance Company: Erie Insurance
Erie Insurance is the best overall insurance company in North Carolina. The company offers excellent customer service, resolves claims fairly, and has one of the lowest rates on average overall in the state. Residents of North Carolina could benefit from getting a quote from Erie Insurance.
| Company Info | Erie Insurance |
| Founded | 1925 |
| Headquarters | Erie, PA |
| Phone Number | (800) 458-0811 |
| Website | https://www.erieinsurance.com/ |
| Products | Auto, Home, Business, and Life Insurance |
| Population Served | North Carolina, Illinois, Indiana, Kentucky, Maryland, New York, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin, and the District of Columbia |
Average Years as a Customer at Erie Insurance: 10.3 years is the average amount of time that FIXD survey respondents had been Erie Insurance customers.
How many customers hear back within 10 minutes? 75% of customers heard back within ten minutes of contacting Erie Insurance according to the FIXD survey.
How quickly are Claims Resolved? 83% of claims are resolved within two weeks, according to the FIXD survey in North Carolina.
Customer Satisfaction with Claims: 100% of claim resolutions felt fair according to FIXD users who had filed a claim with Erie Insurance.
How to sign up with Erie Insurance: Erie works with independent agents in its coverage area to help customers sign up. You can find a local agent with Erie’s online tool.
Popular Erie Insurance Discounts in North Carolina according to FIXD Survey:
- 38% bundle their home and car insurance
- 38% have a discount for multiple cars on the policy
- 25% qualify for a safe driver discount
- 13% bundle renters and car insurance
- 13% have an anti-theft device discount
- 13% qualify for a military discount
Erie Insurance Average Annual Rates in North Carolina
| *Erie Insurance Average Annual Rates for Comprehensive Coverage | |
| Comprehensive Rates | Non-Comprehensive Rates |
| $1200 | $1050 |
North Carolina’s Best Car Insurance Companies by Age Groups
Car insurance companies often cater to certain age groups by offering lower prices. Marketing is geared toward their target audience as well. You can find the lowest rates by seeking out the right company at the right time. We found recommendations for each age group in North Carolina.
Although age groupings are not the only demographic an insurance company may cater to, it’s common.
Pro-tip
Comparison shop for car insurance every few years in addition to when you move or change an existing policy by adding a new car or driver. Getting quotes is the only way to know if you have the best rate for your situation.
Here is a list of the best insurance companies in North Carolina based on different ages:
The Best Car Insurance Company for 18 to 24-Year-Olds in North Carolina: GEICO
GEICO is the best provider for 18 to 24-year-olds in North Carolina because the company has competitive rates for teen drivers, resolves claims fairly, and has great customer satisfaction.
| Company Info | GEICO (Government Employees Insurance Company) |
| Founded | 1936 |
| Headquarters | Chevy Chase, MD |
| Phone Number | 1-800-207-7847 |
| Website | https://www.geico.com/ |
| Products | Home, renters, auto, business, boat & recreational vehicles |
| Population Served | All 50 states and the District of Columbia |
How many customers hear back within 10 minutes? 86% of customers in
North Carolina heard back within ten minutes of contacting GEICO–according to FIXD users.
How quickly are Claims Resolved? 75% of claims are resolved within two weeks according to North Carolina FIXD users who had filed a claim with GEICO.
Customer Satisfaction with Claims: 85% of claims were resolved fairly according to FIXD survey participants who had filed a claim with GEICO in North Carolina.
How to sign up with GEICO: You can sign up with GEICO by getting a quote on the GEICO website, finding an agent, or calling customer service for assistance at 1-800-207-7847.
Popular Discounts with GEICO in North Carolina according to FIXD users:
- 65% qualify for a safe driver discount
- 46% enjoy a discount for having multiple cars on the policy
- 42% utilize an anti-theft device discount
- 15% bundle their home and car insurance
- 12% bundle their renters and car insurance
- 8% qualify for a military discount
Here is a list of the cheapest car insurance companies in North Carolina for 18 to 24-year-olds based on information from FIXD users:
| Car Insurance Company | Average Annual Premium | Percentage of Claim Resolutions that Felt Fair |
| Progressive | $900 | 60% |
| GEICO | *$1200 | 85% |
| Allstate | *$2700 | 88% |
| USAA | $3900 | 90% |
*Indicates a rate for non-comprehensive. Non-comprehensive rates are included to diversify companies for this age group, but quotes for comprehensive insurance may be higher. Comparison shop to find the best for you.
Pro Tip: Going with the cheapest option may seem like the best, but unfairly resolved claims could cost you thousands. Ask around or look at surveys like this one to find out how customers feel.
The Best Car Insurance Company for 25 to 34-Year-Olds in North Carolina: GEICO
North Carolina’s best insurance company for 25 to 34-year-olds is GEICO. GEICO is tied for the lowest average rate for this age group in North Carolina but provides significantly better customer satisfaction–according to FIXD users.
| Company Info | GEICO (Government Employees Insurance Company) |
| Founded | 1936 |
| Headquarters | Chevy Chase, MD |
| Phone Number | 1-800-207-7847 |
| Website | https://www.geico.com/ |
| Products | Home, renters, auto, business, boat & recreational vehicles |
| Population Served | All 50 states and the District of Columbia |
How many customers hear back within 10 minutes? 86% of customers in
North Carolina heard back within ten minutes of contacting GEICO–according to FIXD users.
How quickly are Claims Resolved? 75% of claims are resolved within two weeks according to North Carolina FIXD users who had filed a claim with GEICO.
Customer Satisfaction with Claims: 85% of claims were resolved fairly according to FIXD survey participants who had filed a claim with GEICO in North Carolina.
How to sign up with GEICO: You can sign up with GEICO by getting a quote on the GEICO website, finding an agent, or calling customer service for assistance at 1-800-207-7847.
Popular Discounts with GEICO in North Carolina according to FIXD users:
- 65% qualify for a safe driver discount
- 46% enjoy a discount for having multiple cars on the policy
- 42% utilize an anti-theft device discount
- 15% bundle their home and car insurance
- 12% bundle their renters and car insurance
- 8% qualify for a military discount
Here is a list of the cheapest car insurance companies in North Carolina for 25 to 34-year-olds according to the FIXD Survey:
| Car Insurance Company | Average Annual Premium for Comprehensive |
| GEICO | $1500 |
| Farmers Insurance Group | $1500 |
| National General | $3300 |
The Best Car Insurance Company for 35 to 44 -Year-Olds in North Carolina: State Farm
The best car insurance provider for most 35 to 44-year-olds in North Carolina is State Farm. State Farm provides the lowest average rates and maintains great customer service–according to FIXD users in the state.
| Company Info | State Farm |
| Founded | 1922 |
| Headquarters | Bloomington, IL |
| Phone Number | (800)-782-8332 |
| Website | https://www.statefarm.com/ |
| Products | Auto Insurance, Home Insurance, Liability, Life Insurance, and Small Business Insurance |
| Population Served | All 50 states with the United States and the District of Columbia |
How many customers hear back within 10 minutes? 81% hear back from State Farm within ten minutes of contacting the company.
How quickly are Claims Resolved? 75% of claims are resolved within two weeks according to FIXD users who had filed a claim with State Farm in North Carolina.
Customer Satisfaction with Claims: 83% of claim resolutions felt fair according to State Farm customers who had filed a claim and participated in the North Carolina FIXD survey.
How to sign up with State Farm: The best way to sign up with State Farm is to work with an agent or use State Farm’s website. For questions, call 800-STATE FARM (800-782-8332).
Popular Discounts with State Farm according to FIXD users in North Carolina:
- 57% have a discount for multiple cars on the policy
- 37% bundle their home and car insurance
- 37% qualify for a safe driver discount
- 20% use an anti-theft device discount
- 13% bundle renters and car insurance
- 7% qualify for a good student discount
Here is a list of the cheapest car insurance companies in North Carolina for 35 to 44-year-olds:
| Car Insurance Company | Average Annual Premium for Comprehensive |
| State Farm | $900 |
| GEICO | $1300 |
| USAA | $2700 |
The Best Car Insurance Company for 45 to 54 -Year-Olds in North Carolina: USAA
The best auto insurance company for adults aged 45 to 54 in North Carolina is USAA. USAA has the most competitive rates for this age group and an outstanding reputation among its customers. If you don’t qualify for USAA, get quotes from other great companies like Erie Insurance!
| Company Info | USAA (United Services Automobile Association) |
| Founded | 1922 |
| Headquarters | San Antonio, TX |
| Phone Number | (800)-531-USAA (8722) or (201)-531-8722 |
| Website | https://www.usaa.com/ |
| Products | Banking, Auto Insurance, Home Insurance, Liability, Life Insurance, and Retirement Services |
| Population Served | Military, Veterans, and eligible family members |
How many customers hear back within 10 minutes? 77% hear back within ten minutes of contacting USAA according to the FIXD survey
How quickly are Claims Resolved? 80% of claims are resolved in two weeks or less according to the FIXD survey in North Carolina.
Customer Satisfaction with Claims: 90% of claim resolutions felt fair according to FIXD users in North Carolina who had filed a claim with USAA.
How to sign up with USAA: You can sign up for a policy through USAA by calling (800)-531-8722 or visiting the USAA website. Remember that you must be a military service member or the dependent of one to sign up.
Popular USAA Discounts in North Carolina according to FIXD Survey:
- 64% have a discount for multiple cars on the policy
- 57% qualify for a safe driver discount
- 57% have a military service discount
- 43% bundle their home and car insurance
- 43% utilize a discount for an anti-theft device
- 7% bundle their renters and car insurance
Here is a list of the cheapest car insurance companies in North Carolina for 45 to 54-year-olds:
| Car Insurance Company | Average Annual Premium |
| USAA | $900 |
| State Farm | $1725 |
| Farm Bureau | $1800 |
| Progressive | $2250 |
| GEICO | $2700 |
Pro Tip: As you collect more valuables, make sure those are covered under your insurance policies. You can bundle more than just home and auto policies. Consider an umbrella liability policy and policies for expensive items like electronics or jewelry.
The Best Car Insurance Company for 55 to 64 -Year-Olds in North Carolina: Nationwide
North Carolina’s best auto insurance company for 55 to 64-year-olds is Nationwide. FIXD users in North Carolina report that Nationwide offers excellent customer service and the most competitive rates for this age group.
| Company Info | Nationwide |
| Founded | 1926 |
| Headquarters | Columbus, OH |
| Phone Number | 855-807-4111 |
| Website | https://www.nationwide.com/ |
| Products | Vehicle, property, personal, and business insurance |
| Population Served | All 50 states and the District of Columbia |
How many customers hear back within 10 minutes? 75% of customers hear back within ten minutes of contacting Nationwide according to the FIXD survey.
How quickly are Claims Resolved? 100% of claims are resolved within two weeks according to FIXD survey participants who had filed a claim with nationwide.
Customer Satisfaction with Claims: 90% of claim resolutions felt fair according to the North Carolina FIXD survey participants.
How to sign up with Nationwide: You can sign up on Nationwide’s website, by calling 855-807-4111, or by finding an agent.
Popular Discounts with Nationwide in North Carolina according to FIXD survey:
- 64% qualify for a safe driver discount
- 57% bundle their home and car insurance
- 36% have a discount for multiple cars on the policy
- 21% have an anti-theft device discount
- 14% bundle renters and car insurance
- 7% qualify for a good student discount
- 7% qualify for a military discount
| Car Insurance Company | Average Annual Comprehensive Premium |
| Nationwide | $1100 |
| Progressive | $1350 |
| Erie Insurance | $1500 |
| State Farm | $1500 |
| GEICO | $2250 |
The Best Car Insurance Company for 65+-Year-Olds in North Carolina: USAA or Erie Insurance
The best auto insurance company for seniors in North Carolina is USAA because it has the lowest rates and stellar customer service. For seniors ineligible for USAA, Erie Insurance is a fantastic option that has the same rates and happy customers.
You may also consider a quote from Hartford, a company that caters to seniors and AARP members. Hartford had the highest customer satisfaction rating at 4.6 out of 5 on the FIXD survey. Average rates were only a bit higher than the two at the top of our recommendations.
| Company Info | USAA (United Services Automobile Association) |
| Founded | 1922 |
| Headquarters | San Antonio, TX |
| Phone Number | (800)-531-USAA (8722) or (201)-531-8722 |
| Website | https://www.usaa.com/ |
| Products | Banking, Auto Insurance, Home Insurance, Liability, Life Insurance, and Retirement Services |
| Population Served | Military, Veterans, and eligible family members |
How many customers hear back within 10 minutes? 77% hear back within ten minutes of contacting USAA according to the FIXD survey
How quickly are Claims Resolved? 80% of claims are resolved in two weeks or less according to the FIXD survey in North Carolina.
Customer Satisfaction with Claims: 90% of claim resolutions felt fair according to FIXD users in North Carolina who had filed a claim with USAA.
How to sign up with USAA: You can sign up for a policy through USAA by calling (800)-531-8722 or visiting the USAA website. Remember that you must be a military service member or the dependent of one to sign up.
Popular USAA Discounts in North Carolina according to FIXD Survey:
- 64% have a discount for multiple cars on the policy
- 57% qualify for a safe driver discount
- 57% have a military service discount
- 43% bundle their home and car insurance
- 43% utilize a discount for an anti-theft device
- 7% bundle their renters and car insurance
| Company Info | Erie Insurance |
| Founded | 1925 |
| Headquarters | Erie, PA |
| Phone Number | (800) 458-0811 |
| Website | https://www.erieinsurance.com/ |
| Products | Auto, Home, Business, and Life Insurance |
| Population Served | North Carolina, Illinois, Indiana, Kentucky, Maryland, New York, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin, and the District of Columbia |
How many customers hear back within 10 minutes? 75% of customers heard back within ten minutes of contacting Erie Insurance according to the FIXD survey.
How quickly are Claims Resolved? 83% of claims are resolved within two weeks, according to the FIXD survey in North Carolina.
Customer Satisfaction with Claims: 100% of claim resolutions felt fair according to FIXD users who had filed a claim with Erie Insurance.
How to sign up with Erie Insurance: Erie works with independent agents in its coverage area to help customers sign up. You can find a local agent with Erie’s online tool.
Popular Erie Insurance Discounts in North Carolina according to FIXD Survey:
- 38% bundle their home and car insurance
- 38% have a discount for multiple cars on the policy
- 25% qualify for a safe driver discount
- 13% bundle renters and car insurance
- 13% have an anti-theft device discount
- 13% qualify for a military discount
Here is a list of the cheapest car insurance companies in North Carolina for residents aged 65 and above:
| Car Insurance Company | Average Annual Premium |
| USAA | $900 |
| Erie Insurance | $900 |
| Hartford | $1200 |
| State Farm | $1286 |
| Farm Bureau | $1500 |
Research Methodology
Even though our recommendations for North Carolina drivers prioritized the price of car insurance policies, we also used a multi-faceted approach to ensure our recommendations provided great customer service and resolved claims fairly.
Our survey of FIXD users collected the average miles driven, discounts, and multiple factors of customer satisfaction for us to analyze.
We only included insurance companies with enough respondents to reflect customer satisfaction and a variety of premiums to average. Some insurance companies were not represented for every age band.
Independent Customer Satisfaction Surveys
FIXD used the following information provided by the survey to assess customer satisfaction:
- Preferred method of contacting insurance company and whether or not they heard back within ten minutes or less
- How long respondent had been an auto insurance policyholder with current insurance company
- Insurance provider customer support rating, company rating, policy rating, and then averaged these for an overall rating. Each rating was out of 5 possible points.
- A variety of options for respondents to indicate what they liked and didn’t like about their auto insurance provider.
- Survey questions to collect information about claims data including how long until claim resolution and whether or not the customer felt the claim was resolved fairly.
Finding the Average Car Insurance Rates
In the survey, respondents indicated their gender, age range, average annual miles driven, and discounts in addition to their annual premiums. From there, we were able to find averages and indicate said averages in the article. We focused on comprehensive insurance coverage since that’s what we recommend.
For the youngest age category, we also listed rates for non-comprehensive coverage. This was to offer readers more diversity in options for expense and customer satisfaction while remaining accurate.
Conclusion
North Carolina drivers will want to get quotes from Erie Insurance, USAA, GEICO, State Farm, and Hartford. These companies offer competitive rates on average or for certain age groups. These insurance carriers also have great customer satisfaction.
Don’t forget that we recommend working with an independent insurance agent to compare quotes from multiple insurance companies simultaneously. A good independent agent strives to make the customer happy, so they’ll get you the best deal possible.
Want to save even more money on car expenses? Try the FIXD app to find out what’s going on with your car from the convenience of your smartphone! Get recommendations for repairs and maintenance reminders at your fingertips.
Frequently Asked Questions
Why is a credit score used to determine auto insurance rates in North Carolina?
Auto insurance companies in North Carolina use credit history as one way to predict the risk of insuring a driver. Drivers with higher credit scores tend to file fewer and less expensive claims. Drivers with lower credit scores are more likely to file claims and have more expensive claims.
What North Carolina insurance company provides the best service?
Hartford and USAA provide the best customer service in North Carolina. FIXD users rated Hartford 4.6 out of 5 on average overall, and they rated USAA 4.5 out of 5 on average overall.
What is the cheapest car insurance in North Carolina?
The cheapest car insurance policies in North Carolina for comprehensive coverage are found through Erie Insurance, Hartford, and State Farm on average according to the FIXD survey.
Jesse Cunningham V is a professional writer and licensed insurance agent. He has worked in the insurance industry in different capacities, starting as a customer service representative and working his way up to an independent agency owner. He is licensed in the states of Maryland and Pennsylvania for Property, Casualty, Life, and Health products. Jesse has worked with many national carriers, including Nationwide, State Farm, Travelers, and Liberty Mutual, and specializes in car and home insurance and health, life, accidental death, and disability insurance. He writes for multiple publications including FIXD and Bauple.com. All articles by Jesse are opinion-based. Speak with your licensed insurance agent about the particulars of your insurance before making any decisions.
