Home Car insurance Teen car insurance calculator Car insurance calculator for teens in North Carolina Car insurance calculator for teens in North Carolina In North Carolina, the average cost of car insurance for teens ages 16–19 is $3,909 per year. Want to see what it might cost for your teen? Try our calculator for a personalized estimate. 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: December 18, 2025 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 for teens in North Carolina is more expensive than it is for older drivers, but costs depend on several factors, including age, gender, coverage limits, and the insurer you choose. Knowing the averages in your state can help you budget, compare quotes, and find the best option for your family.Use our calculator to estimate what car insurance might cost for your teen in North Carolina. Having a ballpark figure makes it easier to budget, compare quotes, and choose the coverage that works best for your family. Car insurance calculator for state teens State North Carolina AlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington, D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming Gender Male Male Female Non-binary Age 16 16171819 Coverage level Full coverage – 100/300/100 liability, $500 collision and $500 comprehensive deductibles. State minimum liability – Liability coverage limits vary by state, no coverage for physical damage to your vehicle. Liability only – 100/300/100 liability, no coverage for physical damage to your vehicle. Full coverage Full coverage State minimum liability Liability only Filter Average annual rates for state teen drivers $5,375 Average rate $8,438 Highest rate $2,912 Lowest rate Most expensive companies for auto insurance in () Company Average annual rate Utica National Insurance Group $8,438 Allstate $8,144 GEICO $6,791 Least expensive companies for auto insurance in () Company Average annual rate Erie Insurance $2,912 State Farm $3,517 North Carolina Farm Bureau $3,639 Methodology Insure.com editors collected car insurance rates from Quadrant Information Services based on a sample profile of an individual driving a Honda Accord LX with a good insurance score and no violation on record and commuting 12 miles to work each day, with policy limits of $100,000 for injury liability for one person$300,000 for all injuries$100,000 for property damage in an accident$500 deductible on collision and comprehensive coverage For liability, the same hypothetical driver but with liability limits of 50/100/50, 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 motorists or PIP. We analyzed 568,38,240 insurance records, 34,523 ZIP codes and 136 insurance companies across 29,162 cities. And to calculate rates for non-binary, we took the average of "male" & "female" rates for the same coverage limits. Average car insurance costs for teens in North CarolinaCar insurance costs an average of $3,909 per year for teen drivers in North Carolina with coverage limits of 100/300/100-that’s $100,000 for one person’s injuries, $300,000 for all injuries in an accident, and $100,000 for property damage-plus $500 deductibles for collision and comprehensive coverage.Teen drivers face higher car insurance rates than young adults or older drivers because they lack experience on the road. Insurers see them as higher risk, which leads to steeper premiums.Insurance rates in North Carolina also vary based on the coverage limits you choose, the type of car you drive, and the ZIP code you live in. North Carolina families can lower costs by taking advantage of good student discounts, enrolling teens in a driving program and adding teens to an existing family policy rather than buying a separate one.Teen car insurance rates in North Carolina, by ageRates change quickly as teens get older. For example, a full coverage policy for a 16-year-old in North Carolina averages $5,374 per year. At 19, the average falls again to $2,257.Premiums are still higher than those for adult drivers, but the steady decline shows how experience behind the wheel helps bring costs down over time.See the table below for average teen car insurance rates in North Carolina by age.AgeAverage annual premium16$5,37417$4,22818$3,77719$2,257Powered by:Teen car insurance in North Carolina, by genderIn most states, insurers can use gender when setting rates. California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania are the exceptions. In North Carolina, a 16-year-old male driver pays about $5,374 annually, while a female of the same age pays $5,374 – a difference of $0.Crash statistics back up this difference. The Insurance Institute for Highway Safety reports that 3,048 teenagers ages 13-19 died in vehicle crashes in 2023, and two out of three were male. Because young men are more often involved in serious accidents, insurers factor that risk into premiums.The table below shows average teen car insurance rates in North Carolina by gender.AgeAverage annual premium for maleAverage annual premium for female16$5,374$5,37417$4,228$4,22818$3,777$3,77719$2,257$2,257Powered 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 Cheapest car insurance companies for teen drivers in North CarolinaCar insurance for teens is expensive everywhere, but some companies consistently offer lower rates. That’s why comparing quotes is the best way to find the most affordable coverage for your family.In North Carolina, Erie Insurance offers the lowest rates for drivers ages 16-19, averaging $2,240 per year for full coverage with 100/300/100 limits and $500 deductibles.The next lowest average premium comes from North Carolina Farm Bureau, at $2,596.See the table below for the cheapest companies offering teen car insurance in North Carolina.CompanyAverage annual premiumErie Insurance$2,240North Carolina Farm Bureau$2,596State Farm$2,659Nationwide$3,316Penn National Insurance$3,660Farmers$3,963Progressive$3,963GEICO$4,641Utica National Insurance Group$5,165Allstate$6,888Powered by:Minimum coverage requirements for teens in North CarolinaIn North Carolina, teen drivers must meet the same minimum liability requirements as adults:$30,000 for bodily injury liability per person$60,000 for bodily injury liability per accident$25,000 for property damage liabilityThese limits are designed as a baseline, but they may not be enough to cover serious accidents. Many families choose higher limits for more protection when adding a teen driver.If the car is financed or leased, comprehensive and collision coverage are also required. These cover damage to your own car from accidents, theft, or weather.Ways to save on teen car insurance in North CarolinaWhile teen premiums are high, there are steps you can take to lower costs without cutting back on safety:Check averages first. Knowing what others pay in your state helps you budget and spot quotes that are too high.Choose a practical car. A safe, modest sedan is much cheaper to insure than a luxury or sports model.Go beyond liability. Full coverage is pricier but offers better protection against accidents, injuries, and damage.Use discounts. Good grades, safe driving programs, and low mileage can all reduce premiums.Talk about responsibility. Help your teen understand that safe driving protects both lives and finances.Review each year. Rates usually drop as teens gain experience and keep a clean record, so revisit your policy annually.Giving your teen a safe start on the roadAdding a teen driver to your policy will raise costs at first, but rates typically decline as they gain experience.You can keep expenses under control by comparing quotes, bundling policies, and taking advantage of discounts. More importantly, the right coverage helps your teen build confidence and keeps your family financially protected as they start driving.MethodologyInsure.com analyzed rates collected from Quadrant Information Services for teen male and female drivers aged 16-19 for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.To evaluate the premiums, our data experts compared rates 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes. The rates are for comparison purposes only; your exact rates may vary.Car insurance costs for teens in other statesAlaska$5,151/YearAlabama$5,995/YearArkansas$6,560/YearArizona$7,075/YearCalifornia$6,233/YearColorado$5,725/YearConnecticut$7,078/YearWashington, D.C.$5,799/YearDelaware$7,504/YearFlorida$7,264/YearGeorgia$6,397/YearHawaii$1,639/YearIowa$4,422/YearIdaho$4,726/YearIllinois$4,714/YearIndiana$4,614/YearKansas$5,764/YearKentucky$6,573/YearLouisiana$8,376/YearMassachusetts$5,299/YearMaryland$5,359/YearMaine$4,082/YearMichigan$6,495/YearMinnesota$5,242/YearMissouri$5,911/YearMississippi$6,244/YearMontana$6,808/YearNorth Dakota$5,476/YearNebraska$5,585/YearNew Hampshire$4,141/YearNew Jersey$6,557/YearNew Mexico$6,351/YearNevada$7,505/YearNew York$5,360/YearOhio$4,697/YearOklahoma$6,726/YearOregon$5,819/YearPennsylvania$5,589/YearRhode Island$7,124/YearSouth Carolina$6,021/YearSouth Dakota$6,328/YearTennessee$5,696/YearTexas$4,607/YearUtah$6,444/YearVirginia$4,495/YearVermont$4,534/YearWashington$5,244/YearWisconsin$5,774/YearWest Virginia$6,387/YearWyoming$5,037/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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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance costs for teens in North CarolinaTeen car insurance rates in North Carolina, by ageTeen car insurance in North Carolina, by genderCheapest car insurance companies for teen drivers in North CarolinaMinimum coverage requirements for teens in North CarolinaWays to save on teen car insurance in North CarolinaGiving your teen a safe start on the roadMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330