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 Expect to pay around $2,638 a year, or $220 a month, for full-coverage car insurance in North Carolina. View Carriers Please enter valid zip Compare top carriers in your area Written by Alisha AmbreAlisha AmbreAlisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onAugust 5, 2026 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. Full coverage car insurance in North Carolina runs about $220 a month, or $2,638 a year, for the average driver. If you stick to your state’s minimum required liability coverage instead, that average drops to $57 a month, or $681 a year. Keep in mind these are statewide averages – your personal rate could be higher or lower.Your actual premium depends on several factors – where you live, your age, your driving history, your credit score, and the type of vehicle you drive. Insurers also factor in state-level risks, such as accident frequency, repair and medical costs, theft rates, and weather patterns. That’s part of why drivers in busy cities pay more than drivers in rural areas. Not everything is out of your hands. Keeping a clean driving record, building your credit score, bundling your policies, or shopping around for quotes can all help bring your rate down. Average annual cost $2,638 Average per month cost $220 Average cost for state minimum coverage $681 / Year Cheapest car insurance company Progressive$1,460 / Year Average cost for young drivers $2,946 / Year Average cost for Senior drivers $2,634 / Year 012345 1 of 6 How much does car insurance cost in North Carolina?Full coverage in North Carolina costs drivers $220 a month, or $2,638 a year, on average, while state minimum coverage averages $57 a month, or $681 a year.Check the table below for a breakdown of average rates in North Carolina, based on different coverage levels. Since these numbers are statewide averages, your own premium may differ.Liability onlyFull coverageNon-owner state minimum liabilityState minimum liability-only$681$2,638$681$681Powered by:What does each coverage type include?State minimum coverage: Meets your state’s legal requirements, covering liability only. It’s the cheapest option, but leaves you with minimal protection in a serious accident.Liability only: Covers damage and injuries you cause to others, but not your own vehicle or injuries.Comprehensive coverage: Pays for damage to your car from non-collision events, like theft, fire, or weather.Collision coverage: Pays to repair or replace your car after an accident, regardless of who’s at fault.Full coverage: Combines liability with comprehensive and collision coverage, protecting your own vehicle too. It costs more, but offers the most complete protection.Non owners: Made for drivers without a vehicle of their own who borrow cars now and then and need liability coverage in place.See what you’d actually payAverages are a starting point, not your actual rate. Follow these four steps to get closer to your real number:Enter your vehicle’s yearSelect your stateChoose your vehicle’s makeChoose your vehicle’s modelYou’ll get instant estimates covering state minimum, liability only, and full coverage. 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 Minimum$705/year Liability coverage$886/year Full Coverage$2,714/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? Select 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 - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. 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 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by:Ways to bring your rate down in North Carolina:Shop at least three insurers before deciding, since the first quote rarely turns out to be the best oneCombine your home and auto coverage with one insurer to often unlock savingsAsk about every discount you might be eligible forStay violation-free, since a clean record signals lower risk and keeps premiums in checkPay out of pocket for minor damage instead of filing a claim, which helps protect your rate from rising How much car insurance coverage do you need in North Carolina?Drivers in North Carolina must carry at least the state’s minimum liability coverage. This covers damage you cause to others, but not your own car or medical bills – if you’re at fault in a crash, you’d pay those costs yourself unless you have more coverage.Minimum liability breaks down into two parts:Bodily injury liability pays for others’ medical costs if you injure them. The “per person” limit caps what’s paid for one individual; the “per accident” limit caps the total for everyone.Property damage liability pays to repair or replace others’ property, like their car or a fence.Many drivers choose full coverage instead, which adds comprehensive and collision on top. It costs more, but protects your own vehicle too – from accidents, theft, or weather. If you’re financing or leasing, your lender likely requires it. CoverageMinimum requiredBodily injury liability (per person)$50,000Bodily injury liability (per accident)$100,000Property damage liability$50,000 Powered by: Who has the cheapest car insurance in North Carolina?Progressive offers the lowest rates in North Carolina, averaging $1,460 a year, or $122 a month, for a full coverage policy with 100/300/100 limits and $500 collision and comprehensive deductibles.State Farm is also worth a look for its competitive pricing, averaging $138 a month, or $1,653 a year.These insurers post some of the lowest average rates in North Carolina, but your own premium could differ. Comparing quotes is still the best way to land on the right price. Affordable car insurance providers in North Carolina Graph Table Company GroupAvg. Annual PremiumAvg. Monthly PremiumProgressive$1,460$122State Farm$1,653$138Nationwide$2,486$207Penn National Insurance$2,713$226North Carolina Farm Bureau Insurance$2,719$227GEICO$3,111$259Allstate$4,342$362Powered by: Powered by: 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 How much does car insurance cost by city in North Carolina?Car insurance rates in North Carolina vary by city – drivers in Cary and Wilmington pay $2,351 to $2,398 a year, while those in Fayetteville, Charlotte and Concord pay significantly more.Location affects your rate because insurers price risk differently by area. Cities with heavier traffic, higher accident rates, and more theft or vandalism tend to have higher premiums, while areas with lower population density and fewer claims generally see lower rates.CityAverage annual costCary$2,351Wilmington$2,398Winston-Salem$2,399Raleigh$2,578Durham$2,606High Point$2,634Greensboro$2,675Concord$2,701Charlotte$2,833Fayetteville$2,844Powered 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 cityCharlotteDurhamRaleighHow does age affect car insurance rates in North Carolina?Few factors influence your premium as much as age. Premiums tend to run highest for teens, drop once drivers hit 25, remain fairly flat through adulthood, and shoot back up in the early 70s. That pattern reflects how insurers assess risk – younger drivers lack experience, while older drivers may face slower reaction times and changes in vision.Below is a closer look at what North Carolina drivers might pay by age and gender.Car insurance rates for young drivers in North CarolinaIf you’re a young driver, expect to pay more than average – insurers see less experience behind the wheel as more risk, and price accordingly.For example, a 20-year-old male driver in North Carolina pays $3,722 a year, while a 20-year-old female driver pays $3,722. That changes by age 25, when average rates fall to $2,483 a year for men and $2,483 for women.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$3,722$3,72221$2,953$2,95322$2,764$2,76423$2,671$2,67124$2,509$2,509Powered by:Car insurance rates for adults in North CarolinaIn North Carolina, the average adult male driver pays $2,530 a year, or $211 a month, for full coverage, while adult female drivers average $2,530 a year, or $211 a month. Adults typically land lower rates than teens, who lack experience, and seniors, who may face slower reaction times, since insurers view them as the lower-risk group.That said, individual rates can vary quite a bit, so it pays to compare quotes and find the best deal for your vehicle.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,483$2,48330$2,492$2,49235$2,663$2,66340$2,638$2,63845$2,567$2,56750$2,545$2,54555$2,416$2,41660$2,426$2,426Powered by:Car insurance rates for senior drivers in North CarolinaSenior drivers typically see their premiums rise with age, since insurers consider older drivers higher risk – slower reaction times and vision changes can both increase accident risk.Men pay about $2,477 a year on average at 65, compared to $2,477 for women. That climbs to $2,677 for men and $2,677 for women by 70, and further still by 75, to $2,748 for men and $2,748 for women.Rates rising doesn’t mean you’re out of options – a clean driving record and senior discounts can both help offset the increase.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,477$2,47770$2,677$2,67775$2,748$2,748Powered by:Which cars are the cheapest and most expensive to insure in North Carolina?Jeep Wrangler is the most affordable vehicle to insure in North Carolina, at $1,603 a year, while BMW M8 Gran Coupe tops the list as the priciest, at $5,520 a year. The vehicle you drive plays a major role in your premium – strong safety ratings, cheaper repairs, and fewer claims all bring costs down, while frequent theft, high repair bills, or higher accident rates push costs up.Cheapest cars to insure in North CarolinaTopping the list for affordability is Jeep Wrangler, averaging $1,603 a year, followed closely by Jeep Gladiator at $1,713 a year. Here’s a look at the cheapest cars to insure in North Carolina and their average annual premiums:Make ModelAvg. Annual PremiumJeep Wrangler$1,603Jeep Gladiator$1,713Jeep Wrangler 4xe Hybrid$1,793Subaru Outback$1,921Subaru Crosstrek$1,962Honda CR-V$1,972Volkswagen Tiguan$1,994Acura RDX$2,005Honda Ridgeline$2,011Honda Passport$2,037Powered by:Most expensive cars to insure in North CarolinaNo vehicle costs more to insure in North Carolina than BMW M8 Gran Coupe, which averages $5,520 a year. Here’s a look at the priciest vehicles to insure and their average annual premiums:Make ModelAvg. Annual PremiumBMW M8 Gran Coupe$5,520BMW M8$5,499BMW M5 Touring$5,241Audi RS7$5,241Mercedes-AMG EQS$5,241Audi RS6$5,205Audi S8$5,163BMW M5$5,045Porsche Taycan Cross Turismo$4,893Mercedes-Benz S-Class$4,872Powered by:MethodologyTo determine average premiums, Insure.com commissioned Quadrant Information Services for 2026 car insurance data. Our team of data analysts and editors analyzed quotes from 195 insurance companies across 34,595 ZIP codes.Rates are based on a sample profile of 40-year-old male and female drivers driving a Honda Accord LX with a clean driving record and a good insurance score. We gathered quotes across three coverage levels:Full coverage: limits of $100,000 per person for bodily injury, $300,000 per accident, and $100,000 for property damage per accident.State minimum: the lowest coverage your state legally allows.Liability only: limits of $50,000 per person for bodily injury, $100,000 per accident, and $100,000 for property damage per accident.Additionally, we collected average rates for drivers across four age groups:Teen drivers (16-19)Young drivers (20-24)Adult drivers (25-26)Senior drivers (65-75)To compare costs across vehicles, we also analyzed rates for 1,549 make and model combinations, based on a 40-year-old male driver with the same coverage level (100/300/100 limits with a $500 collision/comprehensive deductible), a 12-mile commute, and 10,000 annual mileage.The national average comes to $2,578. These rates are for comparison purposes, and your own rates may vary.65.7MQuotes reviewed195No. of carriers analyzed34.5KZIP codes analyzed How much is car insurance in other statesAlaska$2,167/YearAlabama$2,116/YearArkansas$2,942/YearArizona$2,420/YearCalifornia$3,444/YearColorado$3,181/YearConnecticut$2,742/YearDelaware$3,157/YearFlorida$3,916/YearGeorgia$2,503/YearHawaii$1,757/YearIowa$2,460/YearIdaho$1,901/YearIllinois$1,938/YearIndiana$1,894/YearKansas$2,496/YearKentucky$2,624/YearLouisiana$3,999/YearMassachusetts$2,429/YearMaryland$1,999/YearMaine$1,808/YearMichigan$3,964/YearMinnesota$2,591/YearMissouri$2,151/YearMississippi$2,397/YearMontana$2,476/YearNorth Dakota$2,439/YearNebraska$2,095/YearNew Hampshire$1,689/YearNew Jersey$3,122/YearNew Mexico$2,577/YearNevada$3,963/YearNew York$2,596/YearOhio$1,783/YearOklahoma$2,993/YearOregon$2,048/YearPennsylvania$2,327/YearRhode Island$2,878/YearSouth Carolina$2,417/YearSouth Dakota$2,575/YearTennessee$2,235/YearTexas$3,106/YearUtah$2,356/YearVirginia$1,835/YearVermont$1,660/YearWashington$2,389/YearWisconsin$2,343/YearWest Virginia$2,415/YearWyoming$2,061/YearShow more states No matches are found Alisha Ambre . .Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game. 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How much does car insurance cost in North Carolina?How much car insurance coverage do you need in North Carolina?Who has the cheapest car insurance in North Carolina?How much does car insurance cost by city in North Carolina?How does age affect car insurance rates in North Carolina?Which cars are the cheapest and most expensive to insure in North Carolina?Methodology ZIP Code Please enter valid ZIP See rates 1-833-708-5453