What is the best car insurance company in North Carolina?

The best car insurance company in North Carolina for you depends on various factors. When calculating your rates, companies consider everything from your driving record to your annual mileage. If you have prior incidents like an at-fault accident or speeding ticket, you may want to focus on insurers offering coverage to high-risk drivers in order to secure the lowest premium. With certain infractions, you’ll also want to seek a provider that handles SR-22 certificates. Meanwhile, drivers who have multiple cars in the driveway may want to find an insurer offering a multi-car discount. And if you drive fewer than 10,000 miles per year, consider pay-per-mile insurance. Evaluating your coverage needs and driving profile can help you find the best North Carolina auto insurance company for you.

What is the cheapest car insurance company in North Carolina?

Although the cheapest insurance provider is different for everyone, Bankrate’s insurance editorial team found that State Farm, Progressive and North Carolina Farm Bureau are among the cheapest car insurance companies in North Carolina for full coverage. Keep in mind that your personal demographics, insurance coverage and discount eligibility all play a role in how much you pay for your insurance premium.

How much is car insurance in North Carolina per month?

The average cost of car insurance in North Carolina is $1,955 per year for a full coverage policy, making the average monthly cost about $163. Minimum coverage costs an average of $595 per year, which comes out to about $36 per month. For comparison, the national monthly averages are $168 for full coverage and $50 for minimum coverage.

Does North Carolina have high car insurance?

For full coverage, North Carolina car insurance rates are, on average, 27 percent less than the national average. However, cost is relative. Rates vary by driver depending on personal factors such as claims history, driving record, vehicle type, etc. If the cost you are paying is straining your budget, speak with a licensed agent, review discounts and shop with other providers to find coverage and rates that work for you.

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Average cost of car insurance in North Carolina for 2025

Written by

Shannon Martin

Edited by

Jessa Claeys

Reviewed by

Kenneth Chavis IV

Updated Jun 10, 2025

The average cost of full coverage car insurance in North Carolina is $1,955 annually, while the average cost of minimum coverage is $595 a year.

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Insurance disclosure

How much is car insurance in North Carolina?

The average cost of car insurance in North Carolina is $1,955 annually for full coverage and $595 annually for state-required minimum coverage. North Carolina car insurance rates are typically well below the national average costs of car insurance, which are $2,680 per year for full coverage and $802 per year for minimum coverage. To break down how much car insurance is in North Carolina, Bankrate’s insurance editorial team, which includes licensed agents, turned to Quadrant Information Services and reviewed average rates for the largest companies in the state by market share.

Key takeaways

The average cost of full coverage car insurance in North Carolina is $1,955 per year or $163 per month. Minimum coverage is $595 per year or $50 per month.
On average, North Carolina drivers pay 27 percent less for full coverage car insurance compared to the national average.
Of all age groups, 16-year-old drivers pay the most for car insurance in NC.
On average, drivers convicted of a DUI in North Carolina pay 291 percent more for full coverage compared to the state average.

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North Carolina car insurance rates by city

Car insurance rates vary by state; they can also vary by city. This is why figuring out how much car insurance is in North Carolina requires more information than just your vehicle make and model. For example, Fayetteville and Charlotte’s average annual full coverage premiums are slightly higher than the state average.

Larger cities tend to have higher insurance costs for a few reasons. Higher medical care costs may increase bodily injury liability payouts, and higher costs for vehicle repairs and labor may increase property damage liability, comprehensive coverage and collision coverage payouts. Additionally, larger cities tend to have more traffic, which could lead to a higher likelihood of accidents. In contrast, if you reside in a ZIP code with few vehicle thefts and accident claims, you may be able to take advantage of lower-than-average rates.

City	Avg. annual full coverage premium	Avg. savings vs. state average
Newport	$1,728	-12%
Smyrna	$1,733	-12%
Trenton	$2,029	+4%
Boomer	$1,862	-5%
Ennice	$1,862	-5%
Hays	$1,857	-5%
Jonesville	$1,846	-6%
Lansing	$1,829	-7%
North Wilkesboro	$1,865	-5%
Piney Creek	$1,868	-5%
Greensboro	$2,012	+3%
Broadway	$1,984	+1%
Fuquay Varina	$1,984	+1%
Goldsboro	$1,934	-1%
New Hill	$1,845	-6%
Willow Spring	$1,976	+1%
Raleigh	$1,930	-1%
Durham	$1,887	-4%
Rocky Mount	$1,998	+2%
Conetoe	$2,049	+5%
Bear Creek	$1,858	-5%
Cumnock	$2,013	+3%
Elon	$1,846	-6%
Haw River	$1,838	-6%
Lexington	$1,882	-4%
Randleman	$1,838	-6%
Reidsville	$1,869	-5%
Seagrove	$1,852	-5%
Snow Camp	$1,869	-4%
Burlington	$1,849	-6%
Ether	$1,882	-4%
Highfalls	$1,898	-3%
High Point	$1,983	+1%
Kernersville	$1,763	-10%
Leasburg	$2,076	+6%
Linwood	$1,983	+1%
Oak Ridge	$1,791	-9%
Staley	$1,855	-5%
Swepsonville	$1,884	-4%
Thomasville	$1,889	-3%
Biscoe	$1,855	-5%
Colfax	$1,791	-9%
Mebane	$1,844	-6%
Candor	$1,884	-4%
Sanford	$1,983	+1%
Summerfield	$1,803	-8%
Trinity	$1,849	-6%
West End	$1,839	-6%
Goldston	$1,854	-5%
Pleasant Garden	$1,846	-6%
Star	$1,862	-5%
Rodanthe	$1,873	-4%
Stumpy Point	$1,874	-4%
Sunbury	$2,053	+5%
Alexis	$1,915	-2%
Chapel Hill	$1,645	-17%
Clayton	$1,969	+1%
Franklinton	$2,050	+5%
Louisburg	$2,039	+4%
Manson	$2,046	+5%
Cary	$1,715	-13%
Apex	$1,711	-13%
Rolesville	$1,854	-5%
Wake Forest	$1,813	-8%
Efland	$1,877	-4%
Eden	$1,855	-5%
Liberty	$1,857	-5%
Mc Leansville	$1,853	-5%
Mount Gilead	$1,890	-3%
Ruffin	$2,059	+5%
Pinetops	$2,048	+5%
Pleasant Hill	$2,051	+5%
Fayetteville	$2,204	+12%
Wilkesboro	$1,861	-5%
Scotts	$1,939	-1%
Cedar Mountain	$1,789	-9%
Fairview	$1,745	-11%
Fontana Dam	$1,798	-8%
Pisgah Forest	$1,758	-11%
Scaly Mountain	$1,788	-9%
Zirconia	$1,757	-11%
Youngsville	$2,043	+4%
Chocowinity	$2,009	+3%
Bethel	$2,014	+3%
Fairfield	$2,084	+6%
Farmville	$2,057	+5%
Barnardsville	$1,746	-11%
Enka	$1,787	-9%
Green Mountain	$1,815	-7%
Mill Spring	$1,807	-8%
Penland	$1,840	-6%
Hendersonville	$1,764	-10%
Bath	$2,054	+5%
Belhaven	$2,051	+5%
Elm City	$2,046	+5%
Greenville	$2,049	+5%
East Bend	$1,842	-6%
Germanton	$1,769	-10%
Madison	$1,852	-5%
Rural Hall	$1,764	-10%
Winston Salem	$1,819	-7%
Almond	$1,743	-11%
Candler	$1,741	-12%
Clyde	$1,738	-12%
East Flat Rock	$1,772	-10%
Etowah	$1,756	-11%
Flat Rock	$1,765	-10%
Fletcher	$1,765	-10%
Glenville	$1,796	-8%
Lake Toxaway	$1,753	-11%
Micaville	$1,837	-6%
Topton	$1,747	-11%
Aulander	$2,047	+5%
Blounts Creek	$2,021	+3%
Fremont	$2,013	+3%
Lewisville	$1,748	-11%
Clinton	$2,051	+5%
Dunn	$1,979	+1%
Hoffman	$2,170	+10%
Linden	$2,007	+3%
Lumberton	$2,230	+13%
Rockingham	$2,129	+8%
Tar Heel	$2,254	+14%
Wilmington	$1,806	-8%
Kittrell	$2,034	+4%
Middlesex	$2,029	+4%
Moncure	$1,847	-6%
Norlina	$2,049	+5%
Bennett	$1,850	-6%
Bynum	$1,900	-3%
Denton	$1,870	-4%
Graham	$1,842	-6%
Providence	$2,048	+5%
Saxapahaw	$1,877	-4%
Troy	$1,874	-4%
Benson	$1,970	+1%
Butner	$2,043	+4%
Carrboro	$1,651	-17%
Kipling	$2,014	+3%
Macon	$2,053	+5%
Princeton	$1,970	+1%
Stem	$2,043	+4%
Oxford	$2,062	+5%
Bullock	$2,066	+5%
Creedmoor	$2,054	+5%
Garner	$1,979	+1%
Roxboro	$2,054	+5%
Timberlake	$2,045	+4%
Vaughan	$2,069	+6%
Bunn	$2,039	+4%
Calypso	$2,034	+4%
Falcon	$2,036	+4%
Godwin	$2,012	+3%
Red Springs	$2,241	+14%
Sandy Ridge	$1,873	-4%
Stoneville	$1,865	-5%
Asheboro	$1,861	-5%
Lawsonville	$1,864	-5%
Holly Springs	$1,706	-14%
Ridgeway	$2,066	+6%
Selma	$1,987	+2%
Blanch	$2,074	+6%
Browns Summit	$1,855	-5%
Climax	$1,840	-6%
Franklinville	$1,860	-5%
Gibsonville	$1,841	-6%
Pittsboro	$1,858	-5%
Sedalia	$1,881	-4%
Siler City	$1,862	-5%
Bonlee	$1,894	-3%
Jackson Springs	$1,842	-6%
Jamestown	$1,792	-9%
Julian	$1,848	-6%
Ramseur	$1,852	-5%
Robbins	$1,858	-5%
Kenly	$2,016	+3%
Knightdale	$2,106	+7%
Wendell	$1,988	+2%
Cedar Grove	$1,883	-4%
Milton	$2,063	+5%
Prospect Hill	$2,054	+5%
Semora	$2,052	+5%
Stokesdale	$1,852	-5%
Whitsett	$1,848	-6%
Wise	$2,075	+6%
Balsam	$1,793	-9%
Canton	$1,748	-11%
Gerton	$1,813	-8%
Sapphire	$1,799	-8%
Tuxedo	$1,797	-8%
Waynesville	$1,735	-12%
Union Grove	$1,854	-5%
Zionville	$1,816	-7%
Balsam Grove	$1,815	-7%
Black Mountain	$1,734	-12%
Cashiers	$1,762	-10%
Cherokee	$1,783	-9%
Horse Shoe	$1,766	-10%
Otto	$1,757	-11%
Ridgecrest	$1,780	-9%
Spruce Pine	$1,801	-8%
Whittier	$1,751	-11%
Hurdle Mills	$2,059	+5%
Lillington	$1,993	+2%
Smithfield	$1,963	+0%
Leicester	$1,748	-11%
Marion	$1,791	-9%
Naples	$1,801	-8%
Old Fort	$1,736	-12%
Penrose	$1,761	-10%
Sylva	$1,746	-11%
Bakersville	$1,818	-7%
Bat Cave	$1,817	-7%
Castalia	$2,051	+5%
Edward	$2,045	+4%
Bahama	$1,906	-3%
Four Oaks	$1,959	+0%
Henderson	$2,040	+4%
Morrisville	$1,714	-13%
Stovall	$2,096	+7%
Warrenton	$2,048	+5%
Zebulon	$1,998	+2%
Battleboro	$2,011	+3%
Bellarthur	$2,070	+6%
Asheville	$1,751	-11%
Angier	$1,985	+2%
Aurora	$2,021	+3%
Bailey	$2,023	+3%
Cedar Falls	$1,886	-4%
Eagle Springs	$1,865	-5%
Hillsborough	$1,892	-3%
Pelham	$2,065	+5%
Sophia	$1,862	-5%
Yanceyville	$2,047	+5%
Atkinson	$2,052	+5%
Burgaw	$2,028	+4%
Cerro Gordo	$2,236	+13%
Currie	$2,059	+5%
Garland	$2,052	+5%
Rose Hill	$2,052	+5%
Tabor City	$2,234	+13%
Ocean Isle Beach	$1,721	-13%
Gloucester	$1,734	-12%
Grifton	$2,045	+4%
Camp Lejeune	$1,946	-0%
Mccutcheon Field	$1,967	+1%
Everetts	$2,033	+4%
Enfield	$2,056	+5%
Gaston	$2,038	+4%
Coats	$1,974	+1%
Rougemont	$2,067	+6%
Charlotte	$2,231	+13%
Powells Point	$1,826	-7%
Wanchese	$1,832	-7%
Gastonia	$2,208	+12%
Kings Mountain	$2,091	+7%
Mc Adenville	$2,132	+9%
Ansonville	$2,152	+10%
Gold Hill	$1,990	+2%
Kannapolis	$1,999	+2%
Lincolnton	$2,078	+6%
Mc Farlan	$2,186	+11%
Midland	$2,002	+2%
Mooresville	$1,888	-3%
Woodleaf	$1,980	+1%
Scotland Neck	$2,054	+5%
Seaboard	$2,053	+5%
Whitakers	$2,048	+5%
Wilson	$2,144	+9%
Eure	$2,055	+5%
Kitty Hawk	$1,815	-7%
Moyock	$1,833	-6%
Nags Head	$1,824	-7%
Brasstown	$1,772	-10%
Roper	$2,046	+5%
Bostic	$1,813	-8%
Ellenboro	$1,814	-7%
Locust	$1,865	-5%
Jackson	$2,049	+5%
Jamesville	$2,037	+4%
Littleton	$2,038	+4%
Stokes	$2,012	+3%
Monroe	$2,195	+12%
Valdese	$1,888	-4%
Arden	$1,742	-12%
Burnsville	$1,798	-8%
Franklin	$1,742	-12%
Robbinsville	$1,751	-11%
Tuckasegee	$1,757	-11%
Waves	$1,873	-4%
Winfall	$2,037	+4%
Cherryville	$2,066	+5%
China Grove	$1,992	+2%
Concord	$2,014	+3%
Crouse	$2,065	+5%
Dillsboro	$1,798	-8%
Hot Springs	$1,765	-10%
Little Switzerland	$1,832	-7%
Nebo	$1,796	-8%
Columbus	$1,795	-9%
Cullowhee	$1,761	-10%
Hazelwood	$1,786	-9%
Maggie Valley	$1,749	-11%
Marshall	$1,751	-11%
Lawndale	$2,068	+6%
Mount Pleasant	$1,871	-4%
Kelford	$2,055	+5%
Macclesfield	$2,016	+3%
Pinetown	$2,056	+5%
Rich Square	$2,058	+5%
Severn	$2,068	+6%
Frisco	$1,820	-7%
Sharpsburg	$2,001	+2%
Sims	$2,024	+3%
Walstonburg	$2,063	+5%
Elizabeth City	$1,830	-7%
Barco	$1,834	-6%
Creswell	$2,044	+4%
Gates	$2,060	+5%
Merry Hill	$2,053	+5%
Hayesville	$1,765	-10%
Grimesland	$2,013	+3%
Margarettsville	$2,043	+4%
Parmele	$2,031	+4%
Aydlett	$1,848	-6%
Belvidere	$2,051	+5%
Hatteras	$1,833	-6%
Knotts Island	$1,845	-6%
Pope Army Airfield	$2,219	+13%
Fairmont	$2,237	+13%
Hope Mills	$2,208	+12%
Lakeview	$1,898	-3%
Maxton	$2,174	+11%
Stedman	$2,002	+2%
Seven Springs	$2,041	+4%
Swansboro	$1,726	-12%
Catawba	$1,883	-4%
Conover	$1,902	-3%
Grassy Creek	$1,822	-7%
Roaring River	$1,866	-5%
Taylorsville	$1,904	-3%
Engelhard	$2,081	+6%
Garysburg	$2,051	+5%
Brunswick	$2,259	+14%
Clarendon	$2,221	+13%
Riegelwood	$2,029	+4%
Ernul	$2,044	+4%
Grantsboro	$1,747	-11%
Marshallberg	$1,771	-10%
Morehead City	$1,731	-12%
Spindale	$1,815	-7%
Salisbury	$1,989	+2%
Shelby	$2,059	+5%
Spencer	$1,998	+2%
Vale	$2,067	+6%
Murphy	$1,771	-10%
Pollocksville	$2,012	+3%
Richlands	$1,933	-1%
Hickory	$1,909	-2%
Culberson	$1,814	-7%
Dudley	$1,951	-0%
Erwin	$1,992	+2%
Marston	$2,173	+11%
Todd	$1,854	-5%
Traphill	$1,862	-5%
Warrensville	$1,821	-7%
West Jefferson	$1,814	-7%
Highlands	$1,750	-11%
Lake Lure	$1,802	-8%
Rosman	$1,784	-9%
Skyland	$1,794	-9%
Norman	$1,923	-2%
Pinehurst	$1,827	-7%
Spring Lake	$2,217	+13%
Turkey	$2,076	+6%
Wagram	$2,161	+10%
Mount Airy	$1,846	-6%
Barnesville	$2,258	+14%
Elizabethtown	$2,237	+13%
Olivia	$2,016	+3%
Dobson	$1,842	-6%
Mocksville	$1,761	-10%
Walnut Cove	$1,850	-6%
Yadkinville	$1,840	-6%
New Bern	$1,735	-12%
Salter Path	$1,729	-12%
Stella	$1,746	-11%
Vanceboro	$2,053	+5%
Winterville	$2,043	+4%
Creston	$1,832	-7%
Glen Alpine	$1,886	-4%
Dublin	$2,267	+15%
Kenansville	$2,038	+4%
Laurinburg	$2,140	+9%
Mount Olive	$2,031	+4%
Pembroke	$2,240	+14%
Saint Pauls	$2,235	+13%
Vass	$1,865	-5%
Wade	$2,043	+4%
Clarkton	$2,242	+14%
Kelly	$2,059	+5%
Bridgeton	$1,783	-9%
Cherry Point	$1,755	-11%
Jacksonville	$1,903	-3%
Advance	$1,770	-10%
Pine Hall	$1,849	-6%
Ararat	$1,848	-6%
Cooleemee	$1,774	-10%
Danbury	$1,861	-5%
Pfafftown	$1,756	-11%
Siloam	$1,855	-5%
Alamance	$1,875	-4%
King	$1,756	-11%
Pilot Mountain	$1,843	-6%
Boonville	$1,853	-5%
Pinnacle	$1,844	-6%
Badin	$1,863	-5%
Clemmons	$1,755	-11%
Mayodan	$1,856	-5%
Westfield	$1,867	-5%
Oakboro	$1,865	-5%
Paw Creek	$2,206	+12%
Polkville	$2,092	+7%
Union Mills	$1,814	-7%
Waxhaw	$1,978	+1%
Tarboro	$2,021	+3%
Avon	$1,835	-6%
Hobbsville	$2,052	+5%
Kill Devil Hills	$1,809	-8%
Manns Harbor	$1,832	-6%
Ocracoke	$1,828	-7%
Chadbourn	$2,237	+13%
Delco	$2,033	+4%
Supply	$1,954	-0%
Calabash	$1,710	-13%
Arapahoe	$1,745	-11%
Atlantic	$1,746	-11%
Beulaville	$2,022	+3%
Tarawa Terrace	$1,954	-0%
Hamptonville	$1,846	-6%
Hassell	$2,077	+6%
Nashville	$2,010	+3%
Scranton	$2,060	+5%
Stantonsburg	$2,052	+5%
Williamston	$2,008	+3%
Cofield	$2,046	+5%
Jarvisburg	$1,831	-7%
Marble	$1,770	-10%
Bessemer City	$2,223	+13%
Caroleen	$1,848	-6%
Casar	$2,065	+5%
Cornelius	$1,882	-4%
Lowell	$2,137	+9%
Evergreen	$2,249	+14%
Hallsboro	$2,232	+13%
Leland	$1,953	-0%
Magnolia	$2,028	+4%
Southport	$1,791	-9%
Ayden	$2,051	+5%
Beaufort	$1,738	-12%
Davis	$1,755	-11%
Hobucken	$2,043	+4%
Point Harbor	$1,868	-5%
Roduco	$2,081	+6%
South Mills	$1,842	-6%
Winton	$2,034	+4%
Albemarle	$1,858	-5%
Belmont	$2,127	+8%
Dallas	$2,227	+13%
Iron Station	$2,066	+6%
Landis	$2,000	+2%
Robersonville	$2,008	+3%
Roxobel	$2,069	+6%
Currituck	$1,875	-4%
Harbinger	$1,865	-5%
Harrellsville	$2,037	+4%
Hertford	$2,031	+4%
Maple	$1,888	-4%
Aberdeen	$1,849	-6%
Autryville	$2,072	+6%
Bunnlevel	$2,214	+12%
Stacy	$1,784	-9%
Williston	$1,776	-10%
Claremont	$1,896	-3%
Glendale Springs	$1,855	-5%
Hildebran	$1,894	-3%
Roaring Gap	$1,899	-3%
Lowgap	$1,859	-5%
Tobaccoville	$1,770	-10%
Walkertown	$1,763	-10%
Wilsons Mills	$1,987	+2%
Como	$2,056	+5%
Conway	$2,038	+4%
Fountain	$2,055	+5%
Earl	$2,088	+7%
Forest City	$1,814	-7%
Harrisburg	$2,007	+3%
Lattimore	$2,086	+6%
Richfield	$1,866	-5%
Rutherfordton	$1,818	-7%
Grover	$2,066	+5%
Indian Trail	$2,029	+4%
Morven	$2,156	+10%
Mount Holly	$2,129	+8%
Ellerbe	$1,874	-4%
Gibson	$2,156	+10%
Lumber Bridge	$2,230	+13%
Rex	$2,259	+14%
Southern Pines	$1,852	-5%
Cameron	$2,006	+3%
Cumberland	$2,237	+13%
Faison	$2,041	+4%
Lemon Springs	$2,018	+3%
Pink Hill	$2,033	+4%
Sealevel	$1,780	-9%
Banner Elk	$1,831	-7%
Crossnore	$1,867	-5%
Glade Valley	$1,867	-5%
Lenoir	$1,893	-3%
Harmony	$1,861	-5%
Maiden	$1,889	-3%
Newton	$1,899	-3%
Stony Point	$1,891	-3%
Proctorville	$2,264	+15%
Raeford	$2,213	+12%
Laurel Hill	$2,153	+10%
Newton Grove	$2,078	+6%
Parkton	$2,243	+14%
Pinebluff	$1,854	-5%
Rowland	$2,260	+14%
Salemburg	$2,062	+5%
Shannon	$2,239	+14%
Warsaw	$2,041	+4%
Rockwell	$1,984	+1%
Statesville	$1,888	-3%
Brevard	$1,743	-11%
Lake Junaluska	$1,733	-12%
Mars Hill	$1,752	-11%
Mills River	$1,762	-10%
Saluda	$1,796	-9%
Weaverville	$1,726	-12%
Deep Gap	$1,817	-7%
Jonas Ridge	$1,877	-4%
Laurel Springs	$1,872	-4%
Olin	$1,865	-5%
Sherrills Ford	$1,884	-4%
State Road	$1,848	-6%
Plymouth	$2,032	+4%
Shawboro	$1,845	-6%
Huntersville	$1,890	-3%
Matthews	$2,022	+3%
Mooresboro	$2,071	+6%
Oak City	$2,050	+5%
Pendleton	$2,052	+5%
Pikeville	$1,943	-1%
Roanoke Rapids	$2,031	+4%
Camden	$1,821	-7%
Columbia	$2,039	+4%
Corolla	$1,818	-7%
Henrietta	$2,072	+6%
Lilesville	$2,144	+9%
Marshville	$2,198	+12%
Mount Mourne	$1,923	-2%
Poplar Branch	$1,871	-4%
Salvo	$1,873	-4%
Shiloh	$1,835	-6%
Windsor	$2,052	+5%
Fallston	$2,096	+7%
Mount Ulla	$2,019	+3%
Newell	$2,516	+25%
Halifax	$2,059	+5%
Lewiston Woodville	$2,068	+6%
Simpson	$2,027	+4%
Speed	$2,079	+6%
Spring Hope	$2,022	+3%
Buxton	$1,857	-5%
Durants Neck	$2,054	+5%
Gatesville	$2,048	+5%
Grandy	$1,827	-7%
Manteo	$1,824	-7%
Bolivia	$1,945	-1%
Carolina Beach	$1,808	-8%
Holly Ridge	$1,732	-12%
Shallotte	$1,948	-0%
Albertson	$2,041	+4%
Hookerton	$2,043	+4%
Fair Bluff	$2,230	+13%
Hampstead	$1,797	-8%
Lake Waccamaw	$2,007	+3%
Teachey	$2,012	+3%
Winnabow	$1,957	+0%
Kinston	$1,969	+1%
Atlantic Beach	$1,733	-12%
Cedar Island	$1,869	-5%
Havelock	$1,742	-12%
Maysville	$1,755	-11%
Boone	$1,829	-7%
Hiddenite	$1,859	-5%
Hudson	$1,890	-3%
Linville Falls	$1,852	-5%
Rutherford College	$1,882	-4%
Sugar Grove	$1,815	-7%
Morganton	$1,888	-4%
Crumpler	$1,814	-8%
Elkin	$1,846	-6%
Purlear	$1,870	-4%
Oriental	$1,753	-11%
Snow Hill	$2,045	+4%
Drexel	$1,884	-4%
Scottville	$1,887	-4%
Vandemere	$2,028	+4%
Emerald Isle	$1,731	-12%
Blowing Rock	$1,812	-8%
Ferguson	$1,864	-5%
Mc Grady	$1,898	-3%
Moravian Falls	$1,865	-5%
Newland	$1,834	-6%
Sparta	$1,853	-5%
Thurmond	$1,859	-5%
Connellys Springs	$1,892	-3%
Granite Falls	$1,890	-3%
Jefferson	$1,816	-7%
Millers Creek	$1,859	-5%
Ronda	$1,848	-6%
Terrell	$1,884	-4%
Collettsville	$1,820	-7%
Elk Park	$1,820	-7%
Fleetwood	$1,824	-7%
Pineola	$1,876	-4%
Pineville	$2,174	+11%
Henrico	$2,040	+4%
Hollister	$2,062	+5%
Lucama	$2,016	+3%
New London	$1,857	-5%
Wadesboro	$2,148	+9%
Wingate	$2,192	+11%
Peachland	$2,200	+12%
Stanley	$1,886	-4%
Hamlet	$2,138	+9%
White Oak	$2,248	+14%
Norwood	$1,860	-5%
Polkton	$2,184	+11%
Waco	$2,101	+7%
Ivanhoe	$2,031	+4%
Longwood	$2,011	+3%
Nakina	$2,229	+13%
Sneads Ferry	$1,733	-12%
Deep Run	$2,027	+4%
Dover	$2,046	+5%
La Grange	$1,949	-0%
Fort Bragg	$2,226	+13%
Bladenboro	$2,237	+13%
Carthage	$1,858	-5%
Marietta	$2,261	+14%
Orrum	$2,241	+14%
Roseboro	$2,055	+5%
Murfreesboro	$2,034	+4%
Potecasi	$2,074	+6%
Weldon	$2,041	+4%
Woodland	$2,051	+5%
Ahoskie	$2,026	+4%
Coinjock	$1,873	-4%
Corapeake	$2,069	+6%
Kure Beach	$1,797	-8%
Oak Island	$1,784	-9%
Sunset Beach	$1,713	-13%
Bayboro	$2,003	+2%
Chinquapin	$2,023	+3%
Lowland	$2,042	+4%
Hobgood	$2,057	+5%
Tillery	$2,082	+6%
Edenton	$2,033	+4%
Stanfield	$1,867	-5%
Troutman	$1,889	-3%
Wallace	$2,020	+3%
Willard	$2,024	+3%
Cramerton	$2,127	+8%
Misenheimer	$1,861	-5%
Tryon	$1,797	-8%
Warne	$1,810	-8%
Bolton	$2,031	+4%
Council	$2,241	+14%
Whiteville	$2,242	+14%
Wrightsville Beach	$1,801	-8%
Harkers Island	$1,733	-12%
Midway Park	$1,925	-2%
Hamilton	$2,047	+5%
Pantego	$2,063	+5%
Swanquarter	$2,054	+5%
Washington	$2,002	+2%
Colerain	$2,069	+6%
Andrews	$1,757	-11%
Ash	$2,014	+3%
Castle Hayne	$1,971	+1%
Vilas	$1,821	-7%
Alexander	$1,732	-12%
Bryson City	$1,750	-11%
Lynn	$1,836	-6%
Montreat	$1,775	-10%
Swannanoa	$1,732	-12%
Harrells	$2,048	+5%
Maple Hill	$2,058	+5%
Rocky Point	$2,069	+6%
Comfort	$2,056	+5%
Cove City	$2,011	+3%
Hubert	$1,751	-11%
Merritt	$1,744	-11%
Belews Creek	$1,768	-10%
Cleveland	$1,974	+1%
Powellsville	$2,056	+5%
Tyner	$2,041	+4%
Barium Springs	$1,910	-2%
Davidson	$1,885	-4%
Denver	$1,891	-3%

Average car insurance costs by age and gender in North Carolina

Car insurance rates vary by age in most states, including North Carolina, with younger drivers usually paying more for coverage due to a higher likelihood of accidents and subsequent claims. Recognizing and responding to sudden road hazards is a learned skill that takes time to develop, which is why teen drivers who lack driving experience typically face the highest insurance rates.

In most cases, young drivers can save money by staying on their parents’ policies as additional drivers for as long as possible. Premiums generally decrease with age but may begin to increase again when drivers reach their senior years. In some states, male drivers see higher average rates than female drivers, but North Carolina car insurance laws do not allow the use of gender as an insurance rating factor.

Age 40

Average annual full coverage premium in NC

$1,955

Average minimum coverage premium in NC

$595

Age 50

Average annual full coverage premium in NC

$1,907

Average minimum coverage premium in NC

$588

Age 60

Average annual full coverage premium in NC

$1,845

Average minimum coverage premium in NC

$580

Age 70

Average annual full coverage premium in NC

$1,953

Average minimum coverage premium in NC

$617


Age 16*	Average annual full coverage premium in NC $4,542	Average minimum coverage premium in NC $1,643
Age 18	Average annual full coverage premium in NC $4,303	Average minimum coverage premium in NC $1,352
Age 20	Average annual full coverage premium in NC $2,544	Average minimum coverage premium in NC $740
Age 25	Average annual full coverage premium in NC $2,127	Average minimum coverage premium in NC $638
Age 30	Average annual full coverage premium in NC $2,010	Average minimum coverage premium in NC $609
Age 40	Average annual full coverage premium in NC $1,955	Average minimum coverage premium in NC $595
Age 50	Average annual full coverage premium in NC $1,907	Average minimum coverage premium in NC $588
Age 60	Average annual full coverage premium in NC $1,845	Average minimum coverage premium in NC $580
Age 70	Average annual full coverage premium in NC $1,953	Average minimum coverage premium in NC $617

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Age 40

Average annual full coverage premium in NC

$1,955

Average minimum coverage premium in NC

$595

Age 50

Average annual full coverage premium in NC

$1,907

Average minimum coverage premium in NC

$588

Age 60

Average annual full coverage premium in NC

$1,845

Average minimum coverage premium in NC

$580

Age 70

Average annual full coverage premium in NC

$1,954

Average minimum coverage premium in NC

$617


Age 16*	Average annual full coverage premium in NC $4,542	Average minimum coverage premium in NC $1,643
Age 18	Average annual full coverage premium in NC $4,303	Average minimum coverage premium in NC $1,352
Age 20	Average annual full coverage premium in NC $2,544	Average minimum coverage premium in NC $740
Age 25	Average annual full coverage premium in NC $2,127	Average minimum coverage premium in NC $638
Age 30	Average annual full coverage premium in NC $2,010	Average minimum coverage premium in NC $609
Age 40	Average annual full coverage premium in NC $1,955	Average minimum coverage premium in NC $595
Age 50	Average annual full coverage premium in NC $1,907	Average minimum coverage premium in NC $588
Age 60	Average annual full coverage premium in NC $1,845	Average minimum coverage premium in NC $580
Age 70	Average annual full coverage premium in NC $1,954	Average minimum coverage premium in NC $617

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Bankrate’s take: Insurance rates are based on risk and statistical data. Historically, men tend to have riskier driving behavior than women. In fact, Insurance Institute for Highway Safety data reveal that men are less likely to wear a seat belt and more likely to drive while intoxicated and speed. Males tend to average more miles on the road per year than their female counterparts, as well. However, North Carolina, California, Hawaii, Massachusetts, Michigan and Pennsylvania prohibit the use of gender as a rating factor when pricing policies.

Cost considerations for young drivers in North Carolina

If a young driver is still living in their parents’ household, it’s usually cheaper to keep that driver listed on their parents’ policy. By staying on their parents’ policy, new drivers get the fiscal benefit of having more experienced drivers on the policy to keep the cost lower. You can see from the rates here that the newest drivers — those who are 16 and 17 years old — pay the highest average rates. Premiums may start to lower after just one year of driving experience, provided the young driver maintains a clean driving record.


Age 16*	Avg. annual premium for drivers in NC $4,542
Age 17	Avg. annual premium for drivers in NC $3,569
Age 18	Avg. annual premium for drivers in NC $3,281
Age 19	Avg. annual premium for drivers in NC $2,541
Age 20	Avg. annual premium for drivers in NC $2,487

*16-year-old calculated on parents' policy with discounts applied; 18-, 19- and 20-year-old are renters on their parents’ policies with no discounts applied


Age 18	Avg. annual premium for drivers in NC $4,303
Age 19	Avg. annual premium for drivers in NC $2,620
Age 20	Avg. annual premium for drivers in NC $2,544

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Age	Avg. annual premium difference for drivers on their own policy
Age 18	31 percent more
Age 19	3 percent more
Age 20	2 percent more

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How does driving record impact the cost of car insurance in North Carolina?

Safe drivers usually enjoy the cheapest car insurance. Policyholders who are caught driving without insurance in North Carolina or who have driving incidents on their records may be viewed as high-risk drivers, which often results in higher premiums. The severity of the infraction, other marks on your record and the insurance company you choose can all affect how much car insurance is in NC. A driving under the influence (DUI) conviction has the most significant impact on your premiums in North Carolina. The table here provides an overview of the average annual premium increase for a North Carolina policyholder with a single speeding ticket, accident or DUI on their record.


Clean driving record	Avg. annual premium* in NC $1,955	Percentage increase from NC avg. annual premium* 0%
Speeding ticket conviction	Avg. annual premium* in NC $2,912	Percentage increase from NC avg. annual premium* 49%
At-fault accident	Avg. annual premium* in NC $2,707	Percentage increase from NC avg. annual premium* 38%
DUI conviction	Avg. annual premium* in NC $7,645	Percentage increase from NC avg. annual premium* 291%

*The rates reflected are for full coverage policies.

Car insurance rates in North Carolina by credit

Another major factor that may contribute to your car insurance rate is your credit. In most states, major auto carriers will use credit-based insurance scores as an insurance rating factor, with drivers with better credit paying lower premiums, on average.


Poor	Avg. annual premium* in NC $2,750	Percentage change from NC average annual premium* 41%
Average	Avg. annual premium* in NC $2,082	Percentage change from NC average annual premium* 7%
Good	Avg. annual premium* in NC $1,955	Percentage change from NC average annual premium* 0%
Excellent	Avg. annual premium* in NC $1,873	Percentage change from NC average annual premium* -4%

*Rates reflect full coverage policies.

North Carolina car insurance rates by vehicle type

The type of vehicle you drive is another impacting rating factor for North Carolina car insurance. Vehicles that have a higher statistical likelihood of an accident, fewer safety features or more expensive repair costs may cost more to insure. For example, a BMW 330i costs about 11 percent more than the state average to insure for full coverage, while a Ford F-150 costs about 8 percent less than the state average.


Toyota Camry	Avg. annual premium* in NC $1,955
Ford F-150	Avg. annual premium* in NC $1,808
Honda Odyssey	Avg. annual premium* in NC $1,657
BMW 330i	Avg. annual premium* in NC $2,169
Toyota Prius	Avg. annual premium* in NC $1,969

*Rates reflect full coverage policies.

Estimate your car insurance cost in North Carolina

Finding car insurance in NC that fits your needs and budget can be overwhelming. Getting an idea of what you might end up paying is a good place to start. Bankrate created the tool below to help drivers estimate their costs.

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How to save on car insurance in North Carolina

Generally, North Carolina car insurance is cheaper than comparable coverage in many other states. However, there are still ways to potentially shave more money off your premium.

Shop around: Each car insurance company calculates rates in a slightly different way, which is why your insurance premium can vary from company to company. In order to find the lowest possible premium, it may help to request quotes from several companies. Specify the same coverage types, policy limits and deductibles in order to do an apples-to-apples comparison.
Bundle your policies: Bundling your auto and home insurance with the same company usually makes you eligible for a multi-policy discount. This is generally one of the most significant discounts you can get. Some companies offer a bundling discount for auto and renters, condo, mobile home or life insurance, if you don’t own a home, though the discount may be less.
Maintain a clean driving record: Drivers with incidents like tickets, at-fault accidents and DUI convictions pay quite a bit more for car insurance coverage, on average. Practicing safe driving habits may help you avoid these costly surcharges. You could save even more by allowing your insurer to track your driving behaviors through a telematics program.
Look for discounts: In addition to bundling, most car insurance companies offer at least a handful of discount opportunities. Some of the most common include multi-car, paperless billing and claims-free discounts.

Keep in mind that North Carolina prohibits many common discounts, though. One example is the good student discount. The state also doesn’t allow insurers to offer programs that have the potential to raise a policyholder’s premium (like some telematics programs).

To ensure you’re taking advantage of the discounts that are available, talk to your agent or a representative from your company.

Frequently asked questions

The best car insurance company in North Carolina for you depends on various factors. When calculating your rates, companies consider everything from your driving record to your annual mileage. If you have prior incidents like an at-fault accident or speeding ticket, you may want to focus on insurers offering coverage to high-risk drivers in order to secure the lowest premium. With certain infractions, you’ll also want to seek a provider that handles SR-22 certificates. Meanwhile, drivers who have multiple cars in the driveway may want to find an insurer offering a multi-car discount. And if you drive fewer than 10,000 miles per year, consider pay-per-mile insurance. Evaluating your coverage needs and driving profile can help you find the best North Carolina auto insurance company for you.
Although the cheapest insurance provider is different for everyone, Bankrate’s insurance editorial team found that State Farm, Progressive and North Carolina Farm Bureau are among the cheapest car insurance companies in North Carolina for full coverage. Keep in mind that your personal demographics, insurance coverage and discount eligibility all play a role in how much you pay for your insurance premium.
The average cost of car insurance in North Carolina is $1,955 per year for a full coverage policy, making the average monthly cost about $163. Minimum coverage costs an average of $595 per year, which comes out to about $36 per month. For comparison, the national monthly averages are $168 for full coverage and $50 for minimum coverage.
For full coverage, North Carolina car insurance rates are, on average, 27 percent less than the national average. However, cost is relative. Rates vary by driver depending on personal factors such as claims history, driving record, vehicle type, etc. If the cost you are paying is straining your budget, speak with a licensed agent, review discounts and shop with other providers to find coverage and rates that work for you.

Premium

A premium is the amount the policyholder pays to the insurance company, typically on a monthly, semi-annual or annual basis, to maintain an active insurance policy.

Full coverage car insurance

Full coverage car insurance provides physical damage coverage for your own vehicle. It typically includes comprehensive and collision coverage in addition to state-mandated liability coverage.

Deductible

A deductible is the amount the policyholder agrees to pay out-of-pocket before the insurance company begins to cover expenses related to a claim.

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Methodology

Bankrate utilizes Quadrant Information Services to analyze June 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.

Written by

Shannon Martin

Bankrate Insurance Expert | Writer, Insurance

Average cost of car insurance in North Carolina for 2025

How much is car insurance in North Carolina?

Key takeaways

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North Carolina car insurance rates by city

Average car insurance costs by age and gender in North Carolina

Cost considerations for young drivers in North Carolina

Compare auto insurance rates

How does driving record impact the cost of car insurance in North Carolina?

Car insurance rates in North Carolina by credit

North Carolina car insurance rates by vehicle type

Estimate your car insurance cost in North Carolina

Calculate your monthly car insurance payment

How to save on car insurance in North Carolina

Frequently asked questions

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