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 GiteShivani GiteShivani 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.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 onApril 9, 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 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’re a resident of North Carolina, full coverage car insurance typically costs about $216 per month, adding up to $2,587 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $54, or $644 annually.The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.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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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:Average cost of car insurance by coverage levels in North CarolinaThe cost of your car insurance also depends on the coverage levels you choose.If you opt for just the minimum coverage required by your state, you’ll pay $54 per month, or $644 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.In North Carolina, the average cost for full coverage is $216 per month, or $2,587 per yearWhile it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.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 cityWhere you live in North Carolina can have a big impact on your car insurance rates.If you’re located in cities like Greensboro, Fayetteville, or Charlotte, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like Cary and Concord tend to pay much lower insurance premiums, between $2,269 and $2,332 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.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 ageAge is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.Here’s a breakdown of what you might pay for full coverage in North Carolina, based on age and gender.Average car insurance cost in North Carolina for young driversIf you’re a younger driver, expect to pay higher premiums on your car insurance.Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.For instance, a 20-year-old male driver in North Carolina pays an average of $3,211 annually for car insurance, compared to $3,211 for a female driver of the same age.By age 25, car insurance premiums typically decrease to $2,570 per year for male drivers and $2,570 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.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 driversAn adult driver aged 25-60 in North Carolina pays $2,547 annually for full coverage, or around $212 each month. Women in the same age group pay $2,547 per year or $212 per month.Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.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 driversCar insurance premiums tend to rise for older drivers. At age 65, men typically pay $2,552 annually, while women pay $2,552.By 70, average rates go up to $2,717 for men and $2,717 for women. At age 75, costs increase further, reaching $2,771 for men and $2,771 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.However, you can still lower your premium by keeping 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 CarolinaYour car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.Jeep Wrangler tops the list for cheapest car to insure in North Carolina at an average cost of $1,486 a year, followed closely by Honda CR-V at $1,544 per year.The table below outlines the vehicles with the lowest insurance costs.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 tops the list as the most expensive car to insure in North Carolina, at an average annual cost of $5,168. Below is a list of the most expensive vehicles to insure in North Carolina and their average annual premiums.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 costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your 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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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