Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 13, 2022

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Key takeaways...

  • With over 20 million customers nationwide and 82 years of service, 21st Century Insurance is a favorite in North Carolina
  • GMAC offers two comprehensive packages for drivers called SmartDiscounts and SmartServices
  • With more than 10 million policies in place, Progressive is one of the largest auto insurance companies in the U.S.

We’ve got the top 10 car insurance companies in North Carolina, where the average cost of car insurance premium is $1,205 compared to the national average of $1,440 in 2011, making it one of the least expensive states to have auto insurance!

Charlotte averages about $1,418.90 while Raleigh is on the lower end at $1,267.20. Car insurance affordability is also determined by the car insurance company.

Make sure you’re paying the right price with our FREE quote search tool above! Enter your ZIP code to get started!

21st Century Auto

With current 20 million customers nationwide and 82 years of service, this company is all about safety first.

Their Security Advantage Program offers:

  • 24-Hour Roadside Assistance for each insured car
  • Identity Theft Restoration Service for customers who have their identity stolen
  • 24-Hour Emergency and Medical and Travel Assistance for anywhere in the U.S
  • They have been rated 4.3 out 5 stars based on their power reviews, making them a favorite among consumers.

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When mayhem strikes, this company comes to the rescue with Accident Forgiveness. This auto insurance coverage prevents the rates from going up even if the insured driver is at fault.

Aside from Accident Forgiveness, they also offer Safe Driving Bonus in which the driver can earn 5 percent off their car insurance premium with six months of accident-free driving.

If the driver totals his car, with Allstate’s New Car Replacement; a new car is issued instead of a check as long as it’s totaled during the first three model years.

Amica Insurance

Amica has been ranked “Highest in Customer Satisfaction Among National Auto Insurers” by JD Power and Associates in 2011.

Headquartered in Lincoln, RI, this insurer has been around since 1907 making it one of the oldest auto insurance companies in the U.S.

Their platinum choice auto guarantee drivers good driving rewards, identity fraud monitoring service, full glass coverage and prominent rental coverage.


They are certainly famous for their gecko and caveman commercials, but also for their rates. This company promises at least 15 percent of savings when giving out quotes.

For a company that may be a cheaper option than most, they still offer all types of coverage including medical payments, and comprehensive physical damage coverage.

They also have 24-Hour Assistance and a Geico Auto Repair Xpress Program, which is designated for certain facilities to evaluate and fix the damage to the car.

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GMAC Insurance

GMAC offers two comprehensive packages for drivers called SmartDiscounts and SmartServices.

SmartDiscounts can save drivers an average of $442 a year by choosing any of the discounts

OnStar subscribers who have drive fewer than 15,000 miles per year qualify.

Their SmartServices include an emergency expense allowance, guaranteed claims service satisfaction and extended protection and flexibility.

Liberty Mutual

This organization is committed to providing excellent service earning an A.M. Best Co. ‘A’ rating. They also place as the third-largest company and casualty insurer in the nation.

This fortune 100 company offers the same basic coverage like most auto insurance companies do.

Unlimited Rental and Multi-Policy Discount are just a few of the benefits that Liberty Mutual offers.

Their Better Car Replacement allows a driver to replace a vehicle that has been involved in a total-loss accident with a newer model of one year and less than 15,000 miles of the current car.


Their 100 percent Repair guarantee and 24/7 Nationwide Blue Ribbon Claims Service can be extremely useful when dealing with an accident crisis.

This service contains written guarantee on repairs, a list of qualified car repair shops drivers can trust and Nationwide AutoWatch in which drivers can see the repairs online.

They also have the Nationwide On Your Side Review, which is a complimentary consultation service that helps determine the driver’s budget and manage the deductibles based on their financial situation.

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With more than 10 million policies in place, Progressive is one of the largest auto insurance companies in the U.S.

Customers have the option to Name Your Price which lets the driver start a quote and then adjust the price to find a car insurance package that fits.

They also offer perks, such as:

  • Total Loss Replacement
  • Accident Forgiveness
  • Pet Injury Coverage

There is also a Loan/Lease Payoff Coverage which pays the difference on what the driver owes and what the insurance covers if the vehicle is totaled or stolen and not recovered.

The Snapshot Discount is also one of their benefits for saving money. This discount turns good driving into savings as much as 30 percent.

State Farm

This company has been around since 1922 and gives drivers the Power to Pay Your Way.

State Farm works with drivers based on their financial conditions whether the payment is based on monthly, quarterly, semi-annually or annually terms.

For North Carolina residents, this company offers all types of discounts including:

  • Airbag Discount,
  • Good Driver Discount
  • Multiple Automobiles Discount
  • Multiple Line Discount,
  • Passive Restraint Discount
  • Vehicle Safety Discount

Travelers Insurance

When looking for savings, drivers can often find it at Travelers. This company offers unique discounts,  such as:

  • Hybrid Vehicle Discount
  • Early Quote Discount
  • Home Ownership Discount
  •  Paid in Full Discount.

With more than 30,000 employees globally, this company strives to earn customer loyalty.

When choosing the right car insurance package, customers should consider asking for quotes from several companies. Each insurance plan has it’s own benefits and savings plan.

It’s also important for drivers to adhere to the minimum protection required for auto insurance that the state of North Carolina regulates. These will help drivers choose a plan that fits whether it’s for safety or affordability.

Find the right plan today! Enter your ZIP code below to get started for FREE!


  1. https://www.21st.com/
  2. https://www.allstate.com/
  3. https://www.amica.com/
  4. https://www.geico.com/
  5. https://www.gmac123.com/
  6. https://www.libertymutual.com/
  7. https://www.nationwide.com/
  8. https://www.progressive.com/
  9. https://www.statefarm.com/
  10. https://www.travelers.com/