Cheapest Teen Driver Auto Insurance in North Carolina (Top 10 Low-Cost Companies for 2025)
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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Table of Contents
Table of Contents
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Jeff Root
Updated April 2025
18,157 reviewsCompany Facts
Min. Coverage for Teens in NC
A.M. Best
Complaint Level
Pros & Cons
18,157 reviews
6,590 reviewsCompany Facts
Min. Coverage for Teens in NC
A.M. Best
Complaint Level
Pros & Cons
6,590 reviews
3,792 reviewsCompany Facts
Min. Coverage for Teens in NC
A.M. Best
Complaint Level
Pros & Cons
3,792 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 Auto Insurance in NC
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.
- State Farm offers teen driver insurance at $61 a 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
Ready to find cheaper teen car insurance coverage? Enter your ZIP code in our free quote comparison tool to find the cheapest car insurance for teens in your area.
#1 – State Farm: Top Overall Pick
Pros
- Affordable Rates: State Farm teen insurance is one of the cheapest in North Carolina at $61 a 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 those of other NC companies.
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#2 – USAA: Best for Military Savings
Pros
- Military Discounts: Enjoy significant savings for military families, perfect 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: Liberty Mutual offers various insurance discounts for teenage drivers, including good student and defensive driving discounts.
- Accident Forgiveness: Provides accident forgiveness options, which are beneficial for young drivers.
Cons
- Higher Base Rates: Base rates can be higher than those of other teen auto insurance companies in North Carolina.
- Complaint Levels: Slightly higher complaint levels were reported in North Carolina compared to competitors.
#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.
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#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: A 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, which is 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.
#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.
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#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: Save on car insurance for teens when you bundle it with home insurance 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: Within our Farmers auto insurance review, you can find information on teen insurance discounts for completing driver training programs.
- Good Student Discount: Customers buying North Carolina teen auto insurance can get a discount for good academic performance.
- Multi-Policy Discounts: Auto insurance discounts for bundling teen driver insurance 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.
#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: Allstate has a free program to monitor and improve teen driving habits.
- Good Student Discount: Customers can receive additional savings on car insurance for teens who maintain good grades.
Cons
- High Rates: Among the highest rates for both minimum and full coverage for teen drivers in North Carolina.
- Complaint Levels: A higher-than-average number of complaints regarding service in North Carolina.
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Key Factors Influencing Teen Driver Auto Insurance in North Carolina
How much is insurance for a new driver per month? It depends partly on how old a teen driver is, as a 16-year-old will pay more for car insurance than a 19-year-old driver.
Auto Insurance Monthly Rates for Teen Drivers in North Carolina by Age
| Age | Monthly Rates |
|---|---|
| 16-Year-Old | $448 |
| 17-Year-Old | $482 |
| 18-Year-Old | $416 |
| 19-Year-Old | $347 |
The next table compares the average cost of teenage car insurance per month across various providers. It shows the costs for both minimum and full coverage to help you find a provider with cheap car insurance for teens.
Teen Driver Auto Insurance Monthly Rates in NC by Coverage Level
Insurance Company Minimum Coverage Full Coverage
$236 $493
$139 $290
$214 $448
$102 $212
$83 $174
$108 $225
$104 $218
$61 $128
$133 $279
$72 $151
For minimum coverage, State Farm offers the cheapest insurance for teen drivers at $61, while Allstate has the highest at $236. For full coverage, State Farm again has the cheapest car insurance in NC for new drivers, at $128, with Allstate being the highest at $493.
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.
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 score the cheapest car insurance for teenagers. 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.
Most companies require students to have a B average or higher to qualify for a good student discount.Justin Wright Licensed Insurance Agent
Additionally, some insurers offer discounts to low-mileage drivers and those who participate in safe driving programs that track their driving behavior. The table lists available auto insurance discounts for teen drivers from top providers in North Carolina.
Auto Insurance Discounts From the Top NC Providers for Teen Drivers
| Insurance Company | Available Discounts |
|---|---|
| Smart Student, Good Student, Teen Safe Driver, Multi-policy, Anti-theft device, Early signing |
| Good Student, Teen Safe Driver, Multi-policy, Young Volunteer, Generational loyalty, Defensive driver |
| Good Student, Young Driver Training, Multi-policy, Distant Student, Safe Driver, Electronic payments |
| Good Student, Multi-policy, Defensive Driving, New Vehicle, Emergency Deployment |
| TeenSafe Driver, Good Student, Multi-policy, Defensive Driving, New Vehicle, Anti-theft device |
| SmartRide, Good Student, Accident-Free, Multi-policy, Defensive Driving, Anti-theft device |
| Snapshot, Good Student, Teen Driver, Multi-policy, Homeowner, Continuous insurance |
| Steer Clear, Good Student, Driver Training, Multi-policy, Safe Vehicle, Accident-Free |
| IntelliDrive, Good Student, Multi-policy, New Vehicle, Homeownership, Continuous insurance |
| Good Student, Safe Driving, Multi-policy, Family legacy, Defensive Driving, Storage vehicle for deployed members |
Discounts vary by company, with specific usage-based good driver 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?
Save Money on North Carolina Teen Auto Insurance
Wondering how to lower car insurance in NC? 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 car 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. The cheapest cars to insure for teenage drivers will have 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 help you further save as your teen gains more driving experience. Comparing quotes from multiple insurers, such as State Farm, with the cheapest teen driver car insurance in North Carolina is vital to finding 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.
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3 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 a month for minimum coverage and $128 a 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 a 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 a 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 car insurance for drivers under 25 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 cheap car insurance for new drivers under 21 and various auto insurance discounts for teens.
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 to instantly compare quotes near you.
Frequently Asked Questions
Which car is cheapest to insure for a 17-year-old?
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 has the cheapest car insurance in North Carolina?
State Farm offers the most competitive rates for the cheapest teen driver auto insurance in North Carolina. Good driver discounts are available to teens with a clean record, and good grades often get the cheapest car insurance rates in North Carolina.
What is the best insurance for new drivers in NC?
Full coverage is the best coverage for new drivers, as it includes collision and comprehensive coverage to protect your vehicle. 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?
North Carolina auto 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 cheapest way to get car insurance for a teenager?
Wondering what is the cheapest way to add a child to car insurance? Shopping around for quotes and carrying basic auto insurance is the cheapest way to get coverage. 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 to explore which companies have the cheapest car insurance for North Carolina teens.
What is the cheapest insurance for a 16-year-old?
Is it cheaper to be on your parents’ car insurance?
Can a 17-year-old get their own auto insurance policy?
Do I need to add my child to my car insurance with a permit in NC?
What happens if I don’t add my teenager to my car insurance?
How much is insurance for a 17-year-old monthly?
Does insurance go down at 17?
How much is car insurance for a 16-year-old per month in NC?
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