Home Car insurance Car insurance calculator North Carolina car insurance calculator North Carolina car insurance calculator 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 8, 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 is essential in North Carolina, but finding the right plan at the right price isn’t always easy. That’s where our North Carolina car insurance calculator can help.Use our auto insurance calculator to see your estimated annual and monthly costs in North Carolina. It factors in your vehicle’s make and model so you can make informed coverage decisions. How to use our car insurance calculator to estimate your rates in North CarolinaOur calculator makes it easy to get a quick, personalized car insurance estimate. Just follow these simple steps to see your potential rates – and compare options – without the guesswork.Step 1: Choose the model year of your car.Step 2: Choose the make and model of your car.Step 3: Choose your state.Step 4: Click on the “Get My Rates” button to get a car insurance estimate.Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices. 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:Does your vehicle model affect car insurance rates in North Carolina?Your car’s make and model play a big role in determining insurance rates. Insurers account for multiple factors – including your vehicle’s make and model – to calculate premiums.For example, insuring a Honda Accord LX around $2,041 per year for a full coverage policy. On the other hand, coverage for a Honda CR-V costs $1,544, a difference of $497.How your car’s model year affects insurance rates in North CarolinaIn North Carolina, insurance premiums often change depending on the car’s model year. For instance, a 2023 Honda Accord LX costs an average of $2,201 year to insure, whereas the 2024 model costs $1,894 annually. Know the minimum insurance you need in North CarolinaEvery state has specific car insurance requirements. In North Carolina, you must carry at least the minimum liability coverage to drive legally, which generally includes:Bodily injury liability per person and per accidentProperty damage liabilityWhile these limits meet North Carolina’s legal requirements, many drivers choose higher coverage for greater financial security after an accident. Failing to maintain the required insurance can lead to penalties such as fines, license suspension or 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 your car’s trim affects insurance rates in North CarolinaIn North Carolina, insurance premiums vary depending on your vehicle’s trim. Higher trims with upgraded technology or more powerful engines are often more expensive to insure because of their costly replacement and repair costs.For instance, full coverage car insurance for a 2023 Honda Accord LX in North Carolina costs $2,201 per year. On the other hand, the Honda Accord EX-L trim costs $1,837 annually to insure – a difference of $364.Luxury features such as premium audio systems can increase a vehicle’s value, leading to higher premiums. Similarly, performance trims with larger engines may raise insurance premiums due to the higher risk of accidents or speeding. 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, cheapest car insurance in North CarolinaBest and cheapest companies for home and auto bundles in North CarolinaSee more What drivers pay for car insurance in North CarolinaIn North Carolina, the average cost of full coverage car insurance is $2,587 per year, or $216 per month. Your rate may be higher or lower depending on the coverage you choose.Below, you’ll find estimates for different coverage levels in North Carolina, but keep in mind that factors like your vehicle, driving history, and other personal details can affect your final premium.Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,587$216Liability Only – 50/100/50 BI/PD$717$60State Minimum BI/PD$644$54Non-Owners$581$48Powered by:Car insurance costs in North Carolina by cityCar insurance rates in North Carolina vary significantly depending on the city you live in. Factors like traffic congestion, accident frequency, weather conditions and crime rates all influence how much drivers pay for coverage. For instance, drivers in Cerro Gordo pay $3,174 annually for full coverage, while those in Salter Path pay closer to $2,039 per year.Top 20 cities with cheapest car insurance rates in North CarolinaCityAvg. Annual PremiumAvg. Monthly PremiumSalter Path$2,039$170Smyrna$2,048$171Merritt$2,052$171Cherry Point$2,063$172Gloucester$2,063$172Carrboro$2,164$180Chapel Hill$2,175$181Calabash$2,186$182Beaufort$2,194$183Morehead City$2,203$184Atlantic Beach$2,206$184Harkers Island$2,209$184Newport$2,220$185Sunset Beach$2,223$185Ocean Isle Beach$2,224$185Stella$2,232$186Morrisville$2,234$186Hubert$2,238$187Holly Ridge$2,239$187Maysville$2,239$187Powered by:Top 20 cities with most expensive car insurance in rates North CarolinaCityAvg. Annual PremiumAvg. Monthly PremiumCerro Gordo$3,174$264Clarendon$3,151$263Brunswick$3,149$262Nakina$3,149$262Evergreen$3,148$262Chadbourn$3,145$262Whiteville$3,143$262Hallsboro$3,136$261Fair Bluff$3,134$261Council$3,132$261Tabor City$3,127$261Dublin$3,125$260Clarkton$3,123$260Newell$3,120$260Bladenboro$3,109$259White Oak$3,109$259Tar Heel$3,106$259Elizabethtown$3,103$259Marston$3,060$255Mc Farlan$3,021$252Powered by:Want to know what you’ll pay? Try our North Carolina car insurance calculatorOur North Carolina car insurance calculator estimates your rate based on your location, vehicle make, and model year. Just enter a few details for a personalized estimate, then compare quotes from multiple insurers to find the best fit. 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 used car insurance costs: Most and least expensive models to insure Car insurance calculator: Use our tool to estimate your auto premiums 1/1 How 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/YearWashington, D.C.$3,394/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. 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