Home Car insurance Car insurance rates by state Average car insurance cost in North Carolina Average car insurance cost in North Carolina View Carriers Please enter valid zip Compare top carriers in your area By Insure.com's Editor | Updated on October 17, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. If you are looking for auto insurance in North Carolina, knowing how much it will cost is a promising idea. The average premium for car insurance in North Carolina is $1,368 per year or $114 per month. While the national average is $1,682. There is a difference of $314 less between the national average and the state average. If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live. Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in North Carolina, and car insurance rates by age group. Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements. Summary of average car insurance cost in North CarolinaAverage annual cost$1,368Average per month cost$114Average cost for state minimum coverage$396 / YearCheapest car insurance companyKemper Insurance($961/ Year)Average cost for young drivers$1,592 / YearAverage cost for Senior drivers$1,337 / Year Key TakeawaysThe average car insurance cost in North Carolina is $1,368 per year, based on Insure.com’s analysis.In North Carolina, the average premium for car insurance is $114 per month.Kemper Insurance has the cheapest car insurance rates in North Carolina, at an average annual rate of $961 a year. Average car insurance cost in North Carolina per month In North Carolina, the average premium for car insurance is $114 per month. The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in North Carolina, it is a promising idea to get quotes from many firms. As per the rate analysis conducted by Insure.com, the company which offers cheapest car insurance premiums in North Carolina is Kemper Insurance. The average annual cost is $961 while the average cost per month is $80. The second-best option available is, Erie Insurance, offering insurance at an average per month cost of $84. The table below lists the other available car insurance companies which offer car insurance in North Carolina, along with their average cost per month and average annual cost. Company nameAverage per month costAverage annual costKemper Insurance$80$961Erie Insurance$84$1,013Geico$86$1,035Nationwide$94$1,132State Farm$100$1,199North Carolina Farm Bureau$102$1,218National General Insurance$123$1,473Farmers Insurance$147$1,763Progressive$148$1,782Allstate$175$2,106 Read our guide to best car insurance companies Average cost of car insurance by coverage levels in North Carolina The amount of coverage you purchase has an impact on how much car insurance costs in North Carolina. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage. Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in North Carolina is $435. When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in North Carolina is $1,368 per year. For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In North Carolina, the average annual cost for non-owner state minimum liability only is $926. And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $396 per year in North Carolina. Coverage limitsAverage annual cost50/100/50 Liability Only$435100/300/100 Liability with $500 Comp/Coll Deductible$1,368Non-Owner State Minimum Liability Only$926State Minimum Liability Only$396 Average car insurance cost in North Carolina by City Your car insurance premium is determined by a variety of factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code. The table below depicts the top popular cities in North Carolina: CityAverage annual costCharlotte$1,523Raleigh$1,321Greensboro$1,343Durham$1,332Winston-Salem$1,204Fayetteville$1,563Wilmington$1,275High Point$1,300Concord$1,385Greenville$1,410 Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in North Carolina by cityCharlotteDurhamGreensboroRaleighAverage car insurance cost in North Carolina by age of the driver Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in North Carolina is $1,592 while for seniors is $1,337. Here, the rate for young drivers is $255 more than the rate for senior drivers. According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again about age 70 when some aspects of aging start affecting driving abilities. Average car insurance cost in North Carolina for young drivers The average car insurance cost for female young drivers in North Carolina is $1,592 per year or $133 per month and rate for a male young driver is $1,592 per year or $133 per month. The average annual rates for young male and female drivers are listed in the table below: Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers18$2,854$2,85419$1,743$1,74320$1,716$1,71621$1,592$1,59222$1,570$1,57023$1,553$1,55324$1,530$1,53025$1,460$1,460 Average car insurance cost in North Carolina for senior drivers In North Carolina, the cost of car insurance for senior female driver is $1,337 per year or $111 per month and cost of car insurance for male senior driver is $1,337 per year or $111 per month. Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,322$1,32270$1,362$1,36275$1,412$1,412 Read on to know more about senior car insurance Minimum car insurance requirements in North Carolina Each state sets its own regulations regarding the minimum amount of car insurance coverage drivers must carry to operate a vehicle legally on the roads. According to information provided by the North Carolina Department of Insurance, the following are the required coverages and minimum coverage limits in North Carolina: Bodily injury per person: $30,000 Bodily injury per accident: $60,000 Personal property coverage per person: $25,000 Cheapest cars to insure in North Carolina The Subaru Crosstrek 2.0I has the lowest average annual insurance premium at $1,151, followed closely by the Jeep Wrangler Rubicon at $1,188. The difference in the cost of insuring these two models is $37 annually. MakeModelAverage annual premiumSubaruCrosstrek 2.0I$1,151JeepWrangler Rubicon$1,188SubaruForester 2.5I$1,200SubaruOutback 2.5I$1,209AcuraRDX$1,277HyundaiVenue SE$1,296SubaruCrosstrek 2.5I Limited$1,331JeepCompass High Altitude$1,342FordMaverick Lariat$1,354HondaCR-V EX$1,357 Most expensive cars to insure in North Carolina The most expensive car to insure on the list is the Dodge Charger SRT Hellcat, which has an average annual premium of $4,150. However, the difference between the cheapest and most expensive cars to insure is $2,999 annually. MakeModelAverage annual premiumDodgeCharger SRT Hellcat$4,150BMW750xi$3,700InfinitiQ50 Red Sport 400$3,468MercedesG550 4MATIC$3,450PorscheTaycan Turbo S$3,390Porsche911 Turbo$3,390MaseratiLevante Trofeo$3,390Land RoverRange Rover SV AUTOBIO$3,390BMWM760i xDrive$3,390AudiR8 5.2L V10 Quattro Performance$3,390 Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible. Methodology Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $100,000 property damage liability $500 collision/comprehensive deductible The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in North-Carolina Non-owner auto insurance in North Carolina Average renters insurance cost in North Carolina Average homeowners insurance cost in North Carolina How much is car insurance in other statesAlaska$1,359/YearAlabama$1,542/YearArkansas$1,597/YearArizona$1,617/YearCalifornia$2,115/YearColorado$1,940/YearConnecticut$1,750/YearDelaware$2,137/YearFlorida$2,560/YearGeorgia$1,647/YearHawaii$1,306/YearIowa$1,321/YearIdaho$1,121/YearIllinois$1,578/YearIndiana$1,256/YearKansas$1,594/YearKentucky$2,105/YearLouisiana$2,546/YearMassachusetts$1,538/YearMaryland$1,640/YearMaine$1,116/YearMichigan$2,133/YearMinnesota$1,493/YearMissouri$2,104/YearMississippi$1,606/YearMontana$1,692/YearNorth Dakota$1,419/YearNebraska$2,018/YearNew Hampshire$1,307/YearNew Jersey$1,901/YearNew Mexico$1,505/YearNevada$2,023/YearNew York$2,020/YearOhio$1,023/YearOklahoma$1,797/YearOregon$1,244/YearPennsylvania$1,445/YearRhode Island$1,845/YearSouth Carolina$1,894/YearSouth Dakota$1,581/YearTennessee$1,373/YearTexas$1,875/YearUtah$1,469/YearVirginia$1,321/YearVermont$1,158/YearWashington$1,371/YearWisconsin$1,499/YearWest Virginia$1,610/YearWyoming$1,736/YearShow more In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in North Carolina per monthAverage cost of car insurance by coverage levels in North CarolinaAverage car insurance cost in North Carolina by CityAverage car insurance cost in North Carolina by age of the driverMinimum car insurance requirements in North CarolinaCheapest cars to insure in North CarolinaMost expensive cars to insure in North CarolinaMethodology Get instant quotes now ! Please enter valid zip Get Quotes