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 The average premium for car insurance in North Carolina is $1,741 per year or $145 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Insure.com's Editor | Updated on: April 7, 2025 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 57M Quotes reviewed 136 Insurance providers evaluated 34.5K ZIP codes analyzed Understanding potential costs is essential when seeking auto insurance in North Carolina. On average, car insurance in North Carolina costs $1,741 annually or $145 monthly. This figure contrasts with the national average of $1,895, showcasing a variance of $154 from the state average.You’re likely aware of this if you’re a resident here. Numerous factors contribute to car insurance premiums. Among them are age, gender, driving history, credit score, and location. This guide also provides insights into the average cost of full coverage in the state, companies offering affordable monthly premiums, average car insurance rates across cities in North Carolina, and car insurance rates by age group.It’s wise to shop around and compare quotes to ensure you’re not overpaying for auto insurance. Continue reading the guide to ensure your insurance policy meets your needs without surpassing your budget. Average annual cost $1,741 Average per month cost $145 Average cost for state minimum coverage $476 / Year Cheapest car insurance company Erie Insurance($1,082 / Year) Average cost for young drivers $2,029 / Year Average cost for Senior drivers $1,731 / Year Key TakeawaysBased on Insure.com’s in-depth data analysis, car insurance in North Carolina costs $1,741 per year.In North Carolina, the average premium for car insurance is $145 per month.At $1,082 a year, Erie Insurance has the cheapest car insurance rates in North Carolina.Average car insurance cost in North Carolina per monthIn North Carolina, car insurance costs around $145 per month on average.It’s a common occurrence for the cost of the same coverage to vary among companies, which is true of every auto insurance company. Thus, when seeking car insurance rates in North Carolina, it’s wise to obtain quotes from multiple firms.Cheapest car insurance companies in North CarolinaAccording to Insure.com’s rate analysis, Erie Insurance offers the most affordable car insurance premiums in North Carolina. The average annual cost is $1,082, or $90 per month. The second-best option available is State Farm, offering insurance at an average cost of $98 per month.The table below lists the other available car insurance companies that offer car insurance in North Carolina, along with their average cost per month and average annual cost. Affordable car insurance providers in North Carolina Graph Table Company nameAverage per month costAverage annual costErie Insurance$90$1,082State Farm$98$1,180North Carolina Farm Bureau$101$1,217Nationwide$126$1,513GEICO$135$1,617Penn National Insurance$156$1,872Farmers$169$2,028Progressive$169$2,028Utica National Insurance Group$173$2,070Allstate$249$2,994Powered by: Read our guide to cheap car insurance companies North Carolina car insurance calculator Select Year Select Year20242023202220212020201920182017201620152014 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedes-AMGMercedes-BenzMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechIntegra Type SMDXMDX SH-AWDMDX SH-AWD A-SpecMDX SH-AWD AdvanceMDX SH-AWD TechnologyMDX SH-AWD Type SMDX SH-AWD Type S Advance PackageMDX TechnologyRDX SH-AWDRDX SH-AWD A-SpecRDX SH-AWD A-Spec AdvanceRDX SH-AWD AdvanceRDX SH-AWD TechnologyTLX 2.0T SH-AWD A-SpecTLX 2.0T TechnologyTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2024 Cylinders 4 Make & Model Acura - Integra State North Carolina Style 2WD 4 Door Hatchback Automatic Turbo Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage $759/Year OR $63/month Full Coverage $2,317/Year OR $193/month North Carolina Get Quote Get Quote 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 - + *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 2023 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. Average cost of car insurance by coverage levels in North CarolinaThe extent of coverage you opt for directly influences the cost of car insurance in North Carolina. Your premium is determined by the limits of your liability coverage, as well as your choice regarding comprehensive and collision coverage.Liability-only insurance protects against third-party property damage and personal injuries in case of an accident. However, in the event of a collision, having solely liability coverage on your auto insurance wouldn’t cover your injuries or personal property damage if you’re responsible for the accident. If your coverage limit is 50/100/50 for liability only, the average annual cost in North Carolina would be $523.As you enhance your policy with additional coverage, your insurance premium inevitably rises, as the insurance provider will be liable to compensate you in the event of an accident or any other form of damage. Consequently, the average annual cost of full coverage car insurance in North Carolina amounts to $1,741.For individuals who don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it provides protection for property damage and bodily injury caused to another driver. In North Carolina, the average annual cost for non-owner state minimum liability coverage stands at $470.For individuals seeking to lower their car insurance premiums, choosing the state minimum liability coverage alone, allows them to legally operate a vehicle within the state. This state minimum liability-only coverage option is priced at $476 annually in North Carolina.1State minimum:$4762Liability only:$5233Full coverage:$1,7414Non-owners:$470Auto 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 cityYour car insurance premium is impacted by numerous factors, including your state, city, and even ZIP code. The incidents of accidents and the probability of vehicle theft or vandalism can significantly sway the overall cost within a city or ZIP code.The table below depicts the top popular cities in North Carolina:CityAverage annual costCary$1,550Charlotte$1,824Concord$1,731Durham$1,741Fayetteville$1,901Greensboro$1,745High Point$1,699Raleigh$1,703Wilmington$1,650Winston-Salem$1,573Powered by:Average car insurance cost in North Carolina by age of the driverAge plays a significant role in determining auto insurance rates. Teenagers have a higher chance of being involved in a car accident compared to any other age group. In North Carolina, the average annual rate for young drivers is $2,029, whereas for seniors, it is $1,731. The rate for young drivers exceeds that of senior drivers by $298.Statistics show that young drivers are more likely to be involved in vehicle accidents than more seasoned drivers. As a result, they are classified as high-risk individuals and are more expensive to insure. This classification is primarily due to tendencies such as speeding and limited on-road experience. However, premiums begin to increase again around the age of 70, as certain aspects of aging may impact driving capabilities.Average car insurance cost in North Carolina for young drivers Age of driver Average annual cost 20 $2,219 21 $2,021 22 $1,998 23 $1,972 24 $1,936 Powered by: Average car insurance cost in North Carolina for senior drivers Age of driver Average annual cost 65 $1,679 70 $1,740 75 $1,775 Powered by: Read more about senior car insuranceMinimum car insurance requirements in North CarolinaEvery state establishes its own regulations concerning the minimum car insurance coverage drivers must possess to legally operate a vehicle. As per information given by the North Carolina Department of Insurance, the following outlines the mandatory 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 CarolinaJeep Wrangler Unlimited owners pay less for car insurance, around $1,329 per year. Jeep Wrangler follows closely with an annual premium of $1,460. The annual difference in insurance costs between these two models amounts to $131. MakeModelAverage annual premiumJeepWrangler Unlimited$1,329JeepWrangler$1,460ChevroletBolt EV$1,510SubaruOutback$1,530MazdaCX-30$1,545SubaruCrosstrek$1,548AcuraRDX$1,557JeepWrangler 4Xe$1,600VolkswagenTiguan$1,617SubaruForester$1,619Powered by:Most expensive cars to insure in North CarolinaTopping the list as the most expensive car to insure is the Dodge Charger SRT, at an average annual premium of $4,901. Notably, the annual difference between the least and most expensive cars to insure amounts to $3,572.MakeModelAverage annual premiumDodgeCharger SRT$4,901DodgeChallenger SRT$4,901MaseratiGhibli Trofeo$4,665DodgeCharger R/T$4,525PorschePanamera GTS$4,455BMWM8$4,291BMWAlpina B8$4,242AudiRS7$4,183Alfa-RomeoGiulia Quadrifoglio$4,128AudiRS E-tron GT$4,126Powered by:MethodologyThe Insure.com team worked with Quadrant Information Service to get car insurance data. Our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. 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 of 100/300/100. The quoted insurance rates are for comparison purposes, and your rates may vary.57MQuotes reviewed136No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more You might find interesting Cheapest car insurance in North CarolinaDo you need insurance to register a car in North Carolina?How long does a speeding ticket stay on your record in North CarolinaHow much car insurance costs in North Carolina vs. South CarolinaNon-owner auto insurance in North Carolina: Which company has the cheapest rates?North Carolina car insurance calculatorThe best, cheapest car insurance in North CarolinaBest and cheapest companies for home and auto bundles in North Carolina Explore other insurance options in North Carolina The best, cheapest car insurance in North Carolina Average renters insurance cost in North Carolina Average homeowners insurance cost in North Carolina In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 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 monthCheapest 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 age of the driverMinimum 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