Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in North Carolina Average car insurance cost in North Carolina In North Carolina, a full-coverage car insurance policy will cost you an average of $2,587 annually or $216 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: January 7, 2026 Why you can trust Insure.com 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. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you’re in North Carolina, your monthly cost for full coverage car insurance is $216, which adds up to $2,587 per year. For minimum coverage, expect to pay an average of $54 monthly, or $644 a year.Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle. If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates. Average annual cost $2,587 / Year Average per month cost $216 Average cost for state minimum coverage $717 / Year Cheapest car insurance company Erie Insurance$1,168 / Year Average cost for young drivers $2,804 / Year Average cost for Senior drivers $2,680 / Year 012345 1 of 6 Average car insurance cost in North CarolinaIf you live in North Carolina can expect to pay an average of $216 per month for full coverage car insurance – that’s $2,587 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $54 monthly or $644 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.Cheapest car insurance companies in North CarolinaIf you’re looking for affordable insurance, Erie Insurance tops the list of the cheapest car insurance companies. Its average annual cost is $1,168 per year or $97 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Progressive also provides affordable insurance rates in North Carolina for a full coverage policy at an average annual insurance cost of $1,480 or $123 monthly.While these companies offer some of the lowest average premiums in North Carolina, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs. Affordable car insurance providers in North Carolina Graph Table Company nameAverage per month costAverage annual costErie Insurance$97$1,168Progressive$123$1,480State Farm$143$1,714Nationwide$204$2,452Farmers$207$2,479North Carolina Farm Bureau$233$2,795Penn National Insurance$233$2,797GEICO$269$3,233Utica National Insurance Group$291$3,496Allstate$387$4,643Powered by: Powered by: North Carolina car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra North Carolina Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State North Carolina Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State MinimumNA* Liability coverage$759/year Full Coverage$2,317/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in North CarolinaYour car insurance premium is determined by the coverage limits you choose.If you purchase only the state’s minimum liability limits, you’ll pay $54 per month or $644 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.In North Carolina, drivers typically pay $216 per month or $2,587 annually for full coverage car insurance.Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.Coverage limitsAverage annual costState minimum liability-only$644Liability only$717Full coverage$2,587Non-owner state minimum liability$581Powered by: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 citySee rates in your cityCharlotteDurhamRaleigh Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in North Carolina by cityCar insurance rates can vary widely depending on where you live, even within North Carolina.Cities like Greensboro, Fayetteville, or Charlotte tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.On the other hand, car insurance is generally more affordable in cities like Cary or Concord, with average annual premiums between $2,269 and $2,332.This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.CityAverage annual costCary$2,269Concord$2,332Wilmington$2,360Winston-Salem$2,374Raleigh$2,455Durham$2,516High Point$2,604Charlotte$2,647Fayetteville$2,655Greensboro$2,679Powered by:Average car insurance cost in North Carolina by ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in North Carolina for a full coverage policy based on your age and gender.Average car insurance cost in North Carolina for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in North Carolina pay an average of $3,211 per year for car insurance, while females of the same age pay $3,211.But by the time you turn 25, insurance premiums drop to $2,570 a year on average for male drivers and $2,570 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$3,211$3,21121$2,826$2,82622$2,699$2,69923$2,673$2,67324$2,588$2,588Powered by:Average car insurance cost in North Carolina for adult driversOn average, an adult male driver in North Carolina pays $2,547 a year for full coverage or $212 per month. Women pay $2,547 a year or $212 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,570$2,57030$2,555$2,55535$2,624$2,62440$2,587$2,58745$2,538$2,53850$2,548$2,54855$2,470$2,47060$2,494$2,494Powered by:Average car insurance cost in North Carolina for senior driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $2,552 per year, while women pay $2,552. But by age 70, average premiums rise to $2,717 for men and $2,717 annually for women. At 75, rates increase even further – $2,771 for male drivers and $2,771 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,552$2,55270$2,717$2,71775$2,771$2,771Powered by:Minimum car insurance requirements in North CarolinaWhether you’re buying insurance for the first time or moving to a new state, understanding the required liability limits in North Carolina can help you avoid fines and make smarter choices about your coverage.Drivers in North Carolina must carry at least the following minimum coverage limits to meet the state’s legal requirements:Bodily injury per person: $30,000Bodily injury per accident: $60,000Property damage liability: $25,000Cheapest cars to insure in North CarolinaInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Jeep Wrangler has the lowest premium, at an average of $1,486 a year, closely followed by Honda CR-V, with an average annual car insurance cost of $1,544.The table below shows the cheapest cars to insure and their average annual rates.Make ModelAverage annual premiumJeep Wrangler$1,486Honda CR-V$1,544Acura RDX$1,550Subaru Outback$1,580Honda Pilot$1,587Volkswagen Tiguan$1,591Subaru Forester$1,641Jeep Gladiator$1,653Toyota RAV4$1,668Subaru Legacy$1,668Powered by:Most expensive cars to insure in North CarolinaBMW M8 Gran Coupe stands out as the most expensive car to insure in North Carolina, with an average annual cost of $5,168.The table below shows the most expensive vehicles to insure in North Carolina along with their average annual insurance costs.Make ModelAverage annual premiumBMW M8 Gran Coupe$5,168BMW M8$5,013Mercedes-AMG EQS$4,922Audi RS7$4,859Audi RS6$4,603Mercedes-AMG G63$4,525Porsche Taycan Cross Turismo$4,422Mercedes-Benz S-Class$4,407Porsche Cayenne Turbo E-Hybrid$4,403BMW 8 Series Gran Coupe$4,356Powered by:Car insurance rates can differ widely based on your location and driving profile. The best way to find the right coverage at the best price is to compare quotes from at least three insurance companies. Shopping around can help you save money on your car insurance premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in North CarolinaCheapest car insurance companies in North CarolinaAverage 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 ageMinimum car insurance requirements in North CarolinaCheapest cars to insure in North CarolinaMost expensive cars to insure in North CarolinaMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330