Best Auto Insurance Company In North Carolina: Who's Top?

When it comes to auto insurance in North Carolina, there are several options to choose from, each with its own set of advantages and disadvantages. The best company for you will depend on your specific needs and preferences.

Some of the top-rated companies in the state include:

- Erie Insurance

- State Farm

- North Carolina Farm Bureau

- GEICO

- Nationwide

- Allstate

- Travelers

These companies stand out for their competitive rates, strong financial stability, and positive customer reviews. When choosing an auto insurance company in North Carolina, it is essential to consider factors such as cost, coverage options, customer service, and claims handling. It is also a good idea to compare quotes from multiple providers to find the most affordable option for your specific needs.

Best for customer service: Erie

Erie Insurance is a top-rated insurance company in North Carolina, receiving a score of 874 on J.D. Power's 2021 auto study for the Southeast region. It also ranks highly for customer satisfaction, with a score of 45 out of 45 in the J.D. Power 2024 U.S. Insurance Shopping Study.

Erie offers a wide selection of car insurance coverage options, including some that many other providers don't offer, such as auto glass repair and personal item coverage. It also received the second-highest score for the Southeast region in the J.D. Power U.S. Auto Insurance Study.

In addition, Erie provides an impressive range of discounts for policy bundling, safe driving, student drivers, and paying your premium in full upfront.

Erie's average annual premium for a minimum coverage policy in North Carolina is $300, which is very competitive compared to other insurers.

Overall, Erie Insurance is a great choice for car insurance in North Carolina, offering excellent customer service, a wide range of coverage options, and affordable rates.

Best for military backgrounds: North Carolina Farm Bureau

If you have a military background and are looking for the best auto insurance company in North Carolina, then North Carolina Farm Bureau (NCFB) is an excellent option for you. NCFB is a trusted and highly-rated insurance provider that offers a range of benefits tailored to meet the unique needs of individuals with military backgrounds.

One of the key advantages of choosing NCFB is their commitment to personalized service. They assign each customer a dedicated, local agent who takes the time to understand your individual circumstances, including any specific needs or requirements related to your military background. This agent will be your peer and neighbour, treating you like family and ensuring that you receive the support and assistance you need throughout your insurance journey.

NCFB also stands out for its strong community presence and advocacy for farm and rural families. With offices in all 100 counties across North Carolina, they are deeply rooted in the local community. This means they have a thorough understanding of the unique challenges faced by military families in the region and are well-equipped to address your specific needs.

In addition, NCFB offers a broad range of insurance products, including auto, home, and life insurance. They also provide various member benefits, such as exclusive cash rewards and discounts on hotels, rental vehicles, and farm equipment. Their DriveDown program is particularly noteworthy, as it incentivizes safe driving by offering customers the opportunity to save on their deductibles.

Furthermore, NCFB is recognized for its financial strength and stability. They have been rated as a Top Insurer by Forbes, reflecting their commitment to providing quality and honest service. This means you can trust that they will be there for you when you need them, offering reliable coverage and prompt claims handling.

Overall, if you have a military background and are seeking auto insurance in North Carolina, NCFB is an excellent choice. They offer personalized service, a strong community presence, a wide range of insurance products, and various benefits tailored to meet your unique needs. With NCFB, you can rest assured that you are in good hands.

Best for young adults: Erie

Erie Insurance is a great option for young adults in North Carolina, offering a range of benefits that cater specifically to this demographic. Here are some key reasons why Erie stands out as the best choice for young adults in the Tar Heel State:

Wide Selection of Coverage Options

Erie provides all standard types of car insurance coverage, including comprehensive, collision, and liability insurance. In addition, they offer several add-on options such as first accident forgiveness, diminishing deductible, rental car reimbursement, and roadside assistance. This extensive selection allows young adults to customize their policies according to their unique needs and ensures that they are well-protected in the event of an accident.

Competitive Pricing

Erie is known for its competitive pricing, often offering rates that are lower than the state average. This is especially advantageous for young adults, who typically face higher insurance premiums due to their age and limited driving experience. With Erie, young adults in North Carolina can access affordable coverage without compromising on the quality of service and protection.

Impressive Industry Ratings

Erie has consistently received strong industry ratings, reflecting its commitment to customer satisfaction and financial stability. In the J.D. Power 2024 U.S. Auto Insurance Study, Erie received a score of 859 out of 1,000, placing them above the regional average. They also boast an A+ rating from the Better Business Bureau (BBB) and an A+ financial strength rating from AM Best, indicating their financial stability and ability to honour claims.

Discount Opportunities

Erie offers a variety of discounts that can help young adults save even more on their insurance premiums. These include discounts for policy bundling, safe driving, and student drivers. The distant student discount is particularly noteworthy, as it provides a financial incentive for young adults who leave their vehicles at home while attending college more than 100 miles away.

Local Agents

Erie Insurance is a regional provider, and they have a network of local agents across North Carolina. This means that young adults can easily connect with an Erie representative in their area to discuss their coverage options and receive personalized advice. Local agents can also assist with filing claims and provide ongoing support, making the insurance process more accessible and less daunting for young adults.

In summary, Erie Insurance is an excellent choice for young adults in North Carolina due to their competitive pricing, strong industry ratings, wide range of coverage options, and discount opportunities. Their network of local agents also ensures that young adults can access personalized advice and support throughout their insurance journey.

Best for drivers with offences: North Carolina Farm Bureau

If you have a history of driving offences, North Carolina Farm Bureau is a great auto insurance option. The company offers a fairly affordable average full-coverage premium, and you may even be able to save on non-insurance expenses. Farm Bureau members may be eligible for discounts on hotels, rental vehicles, and farm equipment.

North Carolina Farm Bureau was formed in 1936 as a non-profit general farm organization to serve farmers and provide a unified voice for the interests and needs of the farming community. Today, the company serves as an advocate for its members at the local, state, national, and international levels, providing educational, economic, public affairs, marketing, and various other services. It has grown into the largest general farm organization in the state, with more than 500,000 member families.

The company works exclusively through independent agents, so if you prefer handling your coverage in person, this could be a good option. However, keep in mind that the hours of operation may be limited. While North Carolina Farm Bureau offers boat, hotel, and shopping perks, as well as a broad list of insurance products, its coverage options tend to be basic, with relatively few options for personalization.

The company has a slightly below-average reputation in the industry. In the J.D. Power 2023 U.S. Auto Insurance Study, it received 842 out of 1,000 points, while the regional average was 839 points.

When it comes to auto insurance, North Carolina Farm Bureau is worth considering if you're looking for local coverage and affordable rates. The company's local agents can help you choose the right coverage for your needs, especially if you need to insure farm or ranch vehicles.

Best for minimum coverage: Erie

Erie Insurance is a great option for those seeking minimum coverage in North Carolina. The company has been providing auto insurance in the state since 1991, and offers a range of extra policy features at no additional cost. This flexibility allows customers to customize their auto policy to suit their needs.

Erie Insurance provides all the standard types of auto insurance coverage, including bodily injury liability, property damage liability, uninsured motorist bodily injury, and underinsured motorist bodily injury. In addition, the company offers uninsured motorist property damage coverage, which is not always included in standard policies.

One of the standout features of Erie Insurance is the range of add-on options available. These include:

• First accident forgiveness
• Diminishing deductible
• Roadside & Rentals bundle
• Personal item coverage
• Comprehensive coverage, including glass repair
• Locksmith costs of up to $75 if you accidentally lock your keys in your car

Erie Insurance also offers a variety of discounts to help reduce rates. These include discounts for factory-installed safety features, multiple auto policies, reduced usage, and payment plans that offer savings. You can also save money by bundling your home, business, life insurance, and annuity products.

Erie Insurance has a strong reputation, receiving the second-highest score for the Southeast region in the J.D. Power U.S. Auto Insurance Study. The company also ranks well in consumer studies focused on the car insurance shopping process and overall customer satisfaction. In the J.D. Power U.S. Insurance Shopping Study, Erie received the highest score with 730 out of a possible 1,000 points.

When it comes to customer satisfaction, Erie Insurance performs well. In a 2024 car insurance survey, 92% of Erie policyholders reported being satisfied or very satisfied with their auto coverage. This is a testament to the company's commitment to providing quality coverage and excellent customer service.

With Erie Insurance, North Carolina drivers can benefit from comprehensive protection, flexibility, and affordability. The company's range of features, discounts, and add-on options make it an attractive choice for those seeking minimum coverage.

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