Cheapest Teen Driver Auto Insurance in North Carolina (Top 10 Low-Cost Companies for 2024)
State Farm, USAA, and Liberty Mutual offer the cheapest teen driver auto insurance in North Carolina. State Farm starts at $61/month. USAA excels in affordability and customer service for teen drivers from military families. Liberty Mutual offers the best customizable NC auto insurance for new drivers.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Aug 6, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 6, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Min. Coverage for Teen Driver in North Carolina
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Min. Coverage for Teen Driver in North Carolina
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
3,607 reviewsCompany Facts
Min. Coverage for Teen Driver in North Carolina
A.M. Best Rating
Complaint Level
Pros & Cons
3,607 reviews
The top pick overall for the cheapest teen driver auto insurance in North Carolina is State Farm, with USAA and Liberty Mutual also standing out for their exceptional offerings as companies with the cheapest teen auto insurance.
These insurers provide affordable rates, stellar customer service, and flexible policy options designed specifically for young drivers. This guide will help you navigate the best options for teen auto insurance in North Carolina.
Our Top 10 Company Picks: Cheapest Teen Driver in North Carolina
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $61 B Customer Service State Farm
#2 $72 A++ Military Savings USAA
#3 $83 A Customizable Policies Liberty Mutual
#4 $102 A++ Cheap Rates Geico
#5 $104 A+ Qualifying Coverage Progressive
#6 $108 A+ Widespread Availability Nationwide
#7 $133 A++ Bundling Policies Travelers
#8 $139 A Costco Members American Family
#9 $214 A Insurance Discounts Farmers
#10 $236 A+ Infrequent Drivers Allstate
By comparing quotes and assessing each company’s benefits and drawbacks, you can confidently choose the right coverage and maximize your savings.
Ready to find cheaper teen car insurance coverage? Enter your ZIP code above to begin.
- State Farm offers teen driver insurance at $61/month for minimum coverage
- Teen insurance in NC includes discounts like good student and defensive driving
- Customizable policies meet teen driver needs in North Carolina
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#1 – State Farm: Top Overall Pick
Pros
- Affordable Rates: Offers the lowest rates for teen drivers in North Carolina at $61/month.
- Customer Service: Known for excellent customer service and support for teen drivers.
- Steer Clear Program: Explore our State Farm auto insurance review which provides teen driver discounts through the Steer Clear safe driving program.
Cons
- Limited Discounts: Even with SteerClear, there are fewer discount options for young teens compared to some competitors.
- Higher Rates for Full Coverage: Full coverage rates for teen insurance are higher than other NC companies.
#2 – USAA: Best for Military Savings
Pros
- Military Discounts: Significant savings for military families, ideal for teens with military parents.
- Family Legacy Discounts: Additional savings for teen drivers with parents who already have USAA insurance.
- Customer Service: Based on our USAA auto insurance review, the company boasts high customer satisfaction ratings in North Carolina.
Cons
- Membership Restrictions: Only available to military members and their families.
- Online Services: Some teens report less intuitive online services compared to competitors.
#3 – Liberty Mutual: Best for Customizable Policies
Pros
- Customizable Policies: View our Liberty Mutual auto insurance review to see how it offers a range of options tailored for teen drivers.
- Teen Driver Discounts: Various teen auto insurance discounts like good student and defensive driving.
- Accident Forgiveness: Provides accident forgiveness options, which is beneficial for young drivers.
Cons
- Higher Base Rates: Base rates can be higher than other teen auto insurance companies in North Carolina.
- Complaint Levels: Slightly higher complaint levels were reported in North Carolina compared to competitors.
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#4 – Geico: Best for Cheap Rates
Pros
- Low Rates: According to our Geico auto insurance review, the company is known for offering some of the lowest rates for teen drivers.
- Good Student Discount: Provides substantial discounts for good students.
- Snapshot Program: Usage-based discounts can further reduce premiums.
Cons
- Limited Local Agents: Fewer local agents in North Carolina are available for in-person support with teen coverage.
- Claim Process: Some customers report a more complex teen insurance claims process.
#5 – Progressive: Best for Qualifying Coverage
Pros
- Snapshot Program: Discover our Progressive Snapshot review highlighting usage-based discounts for teens who practice safe driving habits.
- Comprehensive Coverage Options: Wide range of coverage options for teen driver insurance in North Carolina.
- Multi-Car Discounts: Offers teen discounts to families for insuring multiple vehicles.
Cons
- Higher Initial Rates: Initial teen car insurance rates can be higher without discounts.
- Complaint Levels: Some North Carolina customers report dissatisfaction with claims handling.
#6 – Nationwide: Best for Widespread Availability
Pros
- Extensive Network: Wide availability of agents and services across North Carolina.
- Vanishing Deductible: Rewards teens with safe driving by reducing deductibles over time.
- Accident Forgiveness: In our Nationwide auto insurance review, you’ll find that the company offers accident forgiveness, beneficial for new drivers in North Carolina.
Cons
- Expensive Rates: Higher than average rates for teen drivers in North Carolina.
- Discount Complexity: Discounts and teen insurance programs can be complex to navigate.
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#7 – Travelers: Best for Bundling Policies
Pros
- Bundling Discounts: Significant savings when bundling North Carolina teen auto insurance with other policies.
- IntelliDrive Program: Delve into our Travelers IntelliDrive review to learn about usage-based discounts that can lower teen auto insurance rates in North Carolina.
- Comprehensive Coverage: Offers a variety of coverage options to meet North Carolina teen insurance requirements.
Cons
- Higher Rates: Base rates can be higher compared to other North Carolina insurance companies.
- Complaint Levels: Higher-than-average complaint levels reported among North Carolina drivers.
#8 – American Family: Best for Costco Members
Pros
- Member Discounts: See our American Family auto insurance review which includes special discounts for Costco members adding teen drivers.
- Teen Safe Driver Program: Offers a teen insurance program to help young drivers get experience behind the wheel.
- Multi-Policy Discounts: Savings when bundling teen car insurance with home or other policies.
Cons
- Availability: Limited availability in some areas of North Carolina.
- Higher Base Rates: Higher initial rates before teen car insurance discounts are applied.
#9 – Farmers: Best for Insurance Discounts
Pros
- Young Driver Training: With our Farmers review, you can find information on teen insurance discounts for completing driver training programs.
- Good Student Discount: Substantial savings on North Carolina teen auto insurance for good academic performance.
- Multi-Policy Discounts: Auto insurance discounts for bundling teen coverage with other policies.
Cons
- Higher Rates: Base rates can be higher without teen discounts.
- Complaint Levels: Some customers report issues with customer service in North Carolina.
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#10 – Allstate: Best for Infrequent Drivers
Pros
- Usage-Based Discounts: Within our Allstate Milewise review, you’ll discover discounts for low-mileage teen drivers.
- Teen Safe Driver Program: Offers a program to monitor and improve teen driving habits.
- Good Student Discount: Additional savings on teen auto insurance for maintaining good grades.
Cons
- High Rates: Among the highest rates for both minimum and full coverage for teen drivers in North Carolina.
- Complaint Levels: Higher than average number of complaints regarding service in North Carolina.
Key Factors Influencing Teen Driver Auto Insurance in North Carolina
Understanding the factors that affect auto insurance rates can help you find affordable teen auto insurance. Teen drivers in North Carolina are generally considered high-risk due to their lack of driving experience, which often leads to higher premiums. The type of vehicle driven, your driving record, and where you live in North Carolina can also affect rates.
The table compares monthly auto insurance rates for teen drivers in North Carolina across various providers. It shows the costs for both minimum and full coverage.
Teen Driver Auto Insurance Monthly Rates in North Carolina by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $236 $493
American Family $139 $290
Farmers $214 $448
Geico $102 $212
Liberty Mutual $83 $174
Nationwide $108 $225
Progressive $104 $218
State Farm $61 $128
Travelers $133 $279
USAA $72 $151
For minimum coverage, State Farm offers the lowest rate at $61, while Allstate has the highest at $236. For full coverage, State Farm again has the lowest rate at $128, with Allstate being the highest at $493.
State Farm offers unbeatable value for teen drivers in North Carolina, combining low rates with excellent customer service and flexible policy options.Laura Berry Former Licensed Insurance Producer
Teens can benefit from various discounts offered by the best North Carolina auto insurance companies, but it’s crucial to compare quotes and explore all available insurance discounts in NC to find the most cost-effective teen coverage.
Auto Insurance Discounts for Teens in North Carolina
Teen drivers in North Carolina can take advantage of various auto insurance discounts to reduce their premiums. One of the most common discounts is the good student discount, which rewards teens who maintain high grades in school, recognizing their responsibility and commitment.
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Additionally, some insurers offer discounts for low-mileage drivers and participation in safe driving programs that monitor driving behavior. The table lists available auto insurance discounts for teen drivers from top providers in North Carolina.
Discounts vary by company, with specific programs such as Allstate’s Teen Safe Driver, State Farm’s Steer Clear, and USAA’s Family Legacy. Other notable discounts include Farmers’ Young Driver Training, Geico’s Emergency Deployment, and Progressive’s Snapshot. Each company offers a unique set of discounts aimed at teen driver auto insurance rates in North Carolina.
Read More: Do auto insurance companies check grades?
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Save Money on North Carolina Teen Auto Insurance
Securing affordable auto insurance for teen drivers in North Carolina requires strategic planning. To mitigate costs, start by exploring various coverage options — minimum liability coverage may be more affordable, but full coverage offers more protection.
Consider factors such as the type of vehicle, as cars with high safety ratings can lower teen insurance costs. Here are some smart strategies on how to lower your auto insurance rates and maintain comprehensive coverage for teens:
- Choose the Right Vehicle: Opt for cars with high safety ratings and lower repair costs. These vehicles often come with lower insurance premiums due to their reduced risk factors.
- Add a Teen Driver: Ensuring teens are added to a family policy can also provide savings compared to a separate policy. (Learn More: Adding a Driver to Auto Insurance: What You Should Know)
- Encourage Safe Driving: Enroll your teen in safe driving programs. Avoiding accidents and traffic violations can significantly reduce insurance costs over time.
- Consider Higher Deductibles: Opting for a higher deductible can lower monthly premiums. Ensure that the chosen deductible is affordable in case of a claim.
- Shop Around: Regularly compare quotes from different insurers to find the best rates and coverage options. Don’t settle for the first offer — market competition can lead to better deals on teen insurance.
Consistent evaluation and adjustment of your policy can further optimize savings and coverage as your teen gains more driving experience. Comparing quotes from multiple insurers is vital to find the best rates and coverage.
By implementing these strategies, you can manage the costs associated with teen driver auto insurance in North Carolina while ensuring that your teen remains adequately protected on the road.
Case Studies: Teen Driver Auto Insurance in North Carolina
These case studies illustrate the benefits and tailored coverage options provided by top insurers for teen drivers in North Carolina. Each scenario showcases how different insurance providers meet the diverse needs of young drivers.
- Case Study #1 – Budget-Friendly and Reliable Protection: When 17-year-old Emily from Charlotte took the wheel of her 2016 Honda Civic, her family turned to State Farm for unbeatable rates at just $61/month for minimum coverage and $128/month for full protection.
- Case Study #2 – Military Family Perks and Savings: Jake, a 16-year-old in Fort Bragg, enjoyed unique advantages with USAA thanks to his family’s military service. USAA’s specialized discounts brought his insurance cost down to $65/month for minimal coverage.
- Case Study #3 – Tailored Policies and Flexible Solutions: Ava, a 17-year-old Raleigh resident with a 2018 Subaru Outback, sought a policy that matched her specific driving habits. Liberty Mutual delivered with customizable options and significant discounts for safe driving starting at $70/month.
These scenarios demonstrate how to choose an auto insurance company that offers distinct benefits and adaptable solutions for teen drivers. Comparing these options helps ensure that each driver finds the best coverage suited to their unique situation.
Read More: Auto Insurance for Different Types of Drivers
Where to Get the Cheapest Teen Driver Auto Insurance in North Carolina
Securing comprehensive and cheap auto insurance for teen drivers in North Carolina is possible with State Farm, USAA, and Liberty Mutual. These top providers offer competitive rates and various auto insurance discounts for teens.
State Farm, with a customer satisfaction rating of 85%, delivers unbeatable value and comprehensive coverage for teen drivers in North Carolina.Justin Wright Licensed Insurance Agent
Choose a policy that provides the right coverage while managing costs, and review your policy regularly as your teen gains driving experience to maximize savings.
Finding cheap teen auto insurance quotes is easy. Just enter your ZIP code into our free comparison tool below to instantly compare quotes near you.
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Frequently Asked Questions
What is the cheapest car to insure at 18?
Cars like the Honda Civic, Toyota Corolla, and Ford Fiesta typically offer the cheapest teen driver auto insurance in North Carolina.
What is the best insurance for an 18-year-old driver?
Companies like Geico, State Farm, and USAA offer affordable rates and comprehensive coverage for the cheapest teen driver auto insurance in North Carolina.
Who typically has the cheapest car insurance?
Good driver discounts are available to teens with a clean record and good grades often get the cheapest car insurance. Progressive and Erie offer competitive rates for the cheapest teen driver auto insurance in North Carolina.
What is the best car insurance for first time drivers?
Nationwide and Allstate offer flexible coverage and affordable rates for the cheapest teen driver auto insurance in North Carolina.
What insurance is best for a 17-year-old?
State Farm and Geico offer discounts for good grades and safe driving, making them ideal for the cheapest teen driver auto insurance in North Carolina.
At what age is car insurance the cheapest?
Car insurance generally becomes cheaper around age 25. Find the best auto insurance for drivers under 25.
What is the least amount of car insurance you need?
In North Carolina, the minimum required liability coverage is $30,000 for bodily injury per person, $60,000 per accident, and $25,000 for property damage. This provides the cheapest teen driver auto insurance.
Who offers the cheapest car insurance for new drivers in North Carolina?
Progressive, Geico, and USAA offer the best car insurance in NC for new drivers with various discounts and competitive rates.
What is the most basic car insurance?
The most basic car insurance in North Carolina is liability-only auto insurance, required by law, and forms the foundation for the cheapest teen driver auto insurance.
How much is car insurance in North Carolina?
The cost varies, but teen drivers can find the cheapest teen driver auto insurance in North Carolina by seeking discounts from providers like State Farm and Nationwide.
Enter your ZIP code below to explore which companies have the cheapest auto insurance rates for you.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
