Home Car insurance Car insurance calculator North Carolina car insurance calculator North Carolina car insurance calculator Get a quick estimate of car insurance costs in North Carolina with our calculator, tailored to your car, coverage, and location. Compare rates and choose a policy that fits your budget. 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 onMay 6, 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. Car insurance pricing in North Carolina depends on more than your ZIP code. Your vehicle, coverage level and driving history all play a role – and the difference between the cheapest and most expensive policies can be significant. Enter a few details below to get a quick estimate of your potential costs. How to use our car insurance calculator to estimate your rates in North CarolinaIt only takes about a minute to get an estimate:Select your car’s model yearChoose the make and modelConfirm North Carolina as your stateClick ‘Get My Rates’ to view your estimateAdd more vehicles or click ‘Get quotes’ to compare real-time pricing What affects your car insurance rate in North Carolina? Your car’s make, model, year and trimYour location within North CarolinaYour coverage levelYour driving history, credit score and vehicle storage Does your vehicle model affect car insurance rates in North Carolina?A vehicle’s make and model can significantly impact car insurance rates. Make is the brand, while model is the specific vehicle you drive. For example, Honda is the make and Accord is the model.Insurers consider repair costs, claim frequency and theft rates when pricing coverage. Even similarly priced vehicles can have very different insurance costs.For example, full coverage for a Honda Accord LX costs $2,572 per year in North Carolina, while a Honda CR-V averages $1,972 – a difference of $600. A popular car doesn’t always mean cheaper insurance High theft rates or expensive repairs can drive up premiums. Always check insurance costs before purchasing a vehicle. Does your car’s model year affect insurance rates in North Carolina?Newer cars generally cost more to insure because they are more expensive to repair or replace. In North Carolina, insuring a 2024 Honda Accord LX costs $2,541, while the 2025 version costs $2,546.However, older vehicles aren’t always cheaper – lack of safety features or costly parts can keep premiums high. Check your state’s minimum coverage requirements Every state sets its own minimum car insurance requirements, and North Carolina is no exception. To drive legally, you’ll need at least the minimum liability coverage, which typically includes:Bodily injury liability per person and per accidentProperty damage liability According to III (Insurance Information Institute), state-required minimums are usually not able to cover the costs of a serious crash, so it’s important to consider higher levels of coverage for financial protection (III, n.d.). Not carrying the required coverage in North Carolina can lead to fines, license suspension and even vehicle impoundment. 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 How does your car’s trim affect insurance rates in North Carolina?Your car’s trim can affect how much you pay for insurance. Trim refers to a particular version of a model that includes different features, equipment, or engine options, such as LX, EX, or Sport.For example, in North Carolina, full coverage for a 2024 Honda Accord LX costs $2,541 annually, while the Accord EX-L trim costs $2,519 – a difference of $22.Features like premium audio systems or advanced tech can increase rates by raising the car’s value. Performance trims may also increase premiums due to higher risk. You might find interesting Explore related topics Average car insurance cost in North CarolinaCar insurance calculator for teens 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 CarolinaLow-cost car insurance in North CarolinaNon-owner auto insurance in North Carolina: Which company has the cheapest rates?North Carolina car insurance: Rates, state minimum requirements and best companiesThe best and cheapest car insurance in North CarolinaSee more Upgrading your trim can increase insurance costs Higher trims often mean higher premiums because upgraded electronics, interiors, and components cost more to repair or replace. Before choosing a trim, it’s worth getting a quote on each option to see how the price difference carries over to your insurance. How much does car insurance cost in North Carolina?The average cost of full coverage car insurance in North Carolina is $2,638 per year, or $220 per month. That figure is a useful starting point, but your actual rate can land well above or below it depending on your vehicle, coverage choices, and personal profile.Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,638$220Liability Only – 50/100/50 BI/PD$681$57State Minimum BI/PD$681$57Non-Owners$681$57Powered by: People also ask: What is full coverage car insurance? Full coverage car insurance is a policy that includes liability, comprehensive, and collision coverage. It can also include additional protections like uninsured motorist coverage, medical payments, and other add-ons depending on your needs and state requirements. How do car insurance rates vary by city in North Carolina?Your location within North Carolina can impact your premium just as much as your coverage level. Insurers consider traffic density, accident data, weather risks and theft rates when determining prices – which is why two drivers with similar profiles may pay very different amounts depending on their ZIP code.Full coverage costs $3,322 per year in Newell, compared to $2,264 in Harkers Island.Top 20 cities with cheapest car insurance rates in North CarolinaThese cities typically have the lowest premiums due to lighter traffic, fewer claims and lower overall risk.CityAvg. Annual PremiumAvg. Monthly PremiumHarkers Island$2,264$189Salter Path$2,269$189Atlantic Beach$2,277$190Sneads Ferry$2,282$190Emerald Isle$2,284$190Holly Ridge$2,285$190Gloucester$2,286$191Swansboro$2,286$190Oriental$2,292$191Morehead City$2,294$191Calabash$2,295$191Smyrna$2,299$192Sunset Beach$2,301$192Newport$2,305$192Hubert$2,307$192Ocean Isle Beach$2,307$192Beaufort$2,308$192Merritt$2,308$192Stella$2,314$193Atlantic$2,316$193Powered by:Top 20 cities with most expensive car insurance rates in North Carolina These cities tend to have the highest premiums, driven by heavy traffic, higher accident rates and more frequent claims.CityAvg. Annual PremiumAvg. Monthly PremiumNewell$3,322$277Council$3,092$258Dublin$3,092$258Brunswick$3,082$257Cerro Gordo$3,070$256White Oak$3,067$256Clarkton$3,065$255Evergreen$3,061$255Tar Heel$3,061$255Chadbourn$3,060$255Fair Bluff$3,060$255Hallsboro$3,052$254Elizabethtown$3,048$254Bladenboro$3,045$254Clarendon$3,044$254Nakina$3,041$253Whiteville$3,039$253Mc Farlan$3,038$253Tabor City$3,031$253Marietta$2,993$249Powered by: If you’re moving within North Carolina, check insurance rates before you go Relocating from a rural area to a larger city can increase your annual premium by hundreds of dollars – even if everything else stays the same. Frequently asked questions What is the average cost of car insurance in North Carolina? The average cost of full coverage car insurance in North Carolina is $2,638 per year, or $220 per month. Your actual rate will depend on your vehicle, coverage level, driving history and location within the state. How can I lower my car insurance premium in North Carolina? The most effective ways to lower your premium are comparing quotes from multiple carriers, increasing your deductible, bundling your auto policy with home or renters insurance, maintaining a clean driving record, and choosing a vehicle that costs less to insure. Discounts for safe driving, good grades or low annual mileage can also add up. Does my credit score affect car insurance rates in North Carolina? In most states, insurers use a credit-based insurance score as one factor in setting your premium – a higher score typically means lower rates. However, California, Hawaii, Massachusetts and Michigan prohibit insurers from using credit when determining rates. Check whether North Carolina has any restrictions on this practice. Sources:Insurance Information Institute. Auto insurance basics: Understanding your coverage. Accessed May 2026. Estimate your North Carolina car insurance cost with our calculatorOur North Carolina car insurance calculator gives you a quick estimate based on factors like your location, vehicle, and model year. Enter a few details to see a personalized estimate in seconds. Actual quotes can differ, so it’s smart to compare offers from multiple insurers to find your best rate. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator Full coverage car insurance calculator State minimum car insurance calculator Blood alcohol content (BAC) calculator Liability coverage car insurance calculator Car insurance calculator for adults Car insurance calculator for young adults Car insurance calculator for teens Car insurance calculator for seniors California car insurance calculator Texas car insurance calculator Auto Insurance Advisor Find ratings for top insurance companies Car insurance estimate by model 2026 How much does used car insurance cost? Most and least expensive models to insure Car insurance calculator — how much should you be paying? 1/1 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/YearWashington, D.C.$3,465/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. 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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 to use our car insurance calculator to estimate your rates in North CarolinaDoes your vehicle model affect car insurance rates in North Carolina?Does your car's model year affect insurance rates in North Carolina?How does your car's trim affect insurance rates in North Carolina?How much does car insurance cost in North Carolina?How do car insurance rates vary by city in North Carolina?Frequently asked questionsEstimate your North Carolina car insurance cost with our calculator ZIP Code Please enter valid ZIP See rates (844) 645-3330