Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Average cost of car insurance in North Carolina for 2024
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in North Carolina?
The average cost of car insurance in North Carolina is $1,713 annually for full coverage and $498 annually for state-required minimum coverage. North Carolina car insurance rates are well below the national average costs of car insurance, which are $2,314 per year for full coverage and $644 per year for minimum coverage. To pinpoint how much drivers can expect to pay, 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 $1,713 per year or $143 per month. Minimum coverage is $498 per year or $41 per month.
- On average, North Carolina drivers pay 26 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.
- Drivers convicted of a DUI in North Carolina face an average full coverage rates that are 289 percent more.
What would you like to do today?
North Carolina car insurance rates by city
Car insurance rates vary by state; they can also vary by city. 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 coverage premiums, and higher costs for vehicle repairs and labor may increase premiums for property damage liability, comprehensive coverage and collision coverage. Additionally, larger cities tend to have more traffic, which could lead to a higher likelihood of accidents.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
City | Avg. annual full coverage premium | Avg. savings vs. state average |
---|---|---|
Newport | $1,536 | -11% |
Smyrna | $1,544 | -10% |
Trenton | $1,798 | +5% |
Boomer | $1,619 | -6% |
Ennice | $1,610 | -6% |
Hays | $1,617 | -6% |
Jonesville | $1,607 | -6% |
Lansing | $1,595 | -7% |
North Wilkesboro | $1,615 | -6% |
Piney Creek | $1,613 | -6% |
Greensboro | $1,697 | -1% |
Broadway | $1,762 | +3% |
Fuquay Varina | $1,749 | +2% |
Goldsboro | $1,718 | +0% |
New Hill | $1,608 | -6% |
Willow Spring | $1,742 | +2% |
Raleigh | $1,661 | -3% |
Durham | $1,691 | -1% |
Rocky Mount | $1,779 | +4% |
Conetoe | $1,820 | +6% |
Bear Creek | $1,620 | -6% |
Cumnock | $1,734 | +1% |
Elon | $1,608 | -6% |
Haw River | $1,604 | -7% |
Lexington | $1,619 | -6% |
Randleman | $1,608 | -6% |
Reidsville | $1,622 | -5% |
Seagrove | $1,621 | -6% |
Snow Camp | $1,618 | -6% |
Burlington | $1,606 | -6% |
Ether | $1,643 | -4% |
Highfalls | $1,651 | -4% |
High Point | $1,721 | +0% |
Kernersville | $1,512 | -12% |
Leasburg | $1,905 | +11% |
Linwood | $1,723 | +1% |
Oak Ridge | $1,532 | -11% |
Staley | $1,619 | -6% |
Swepsonville | $1,642 | -4% |
Thomasville | $1,621 | -6% |
Biscoe | $1,617 | -6% |
Colfax | $1,531 | -11% |
Mebane | $1,603 | -7% |
Candor | $1,634 | -5% |
Sanford | $1,759 | +3% |
Summerfield | $1,536 | -11% |
Trinity | $1,618 | -6% |
West End | $1,615 | -6% |
Goldston | $1,616 | -6% |
Pleasant Garden | $1,614 | -6% |
Star | $1,621 | -5% |
Rodanthe | $1,640 | -4% |
Stumpy Point | $1,630 | -5% |
Sunbury | $1,894 | +10% |
Alexis | $1,669 | -3% |
Chapel Hill | $1,504 | -13% |
Clayton | $1,748 | +2% |
Franklinton | $1,884 | +10% |
Louisburg | $1,880 | +9% |
Manson | $1,880 | +9% |
Cary | $1,515 | -12% |
Apex | $1,513 | -12% |
Rolesville | $1,647 | -4% |
Wake Forest | $1,618 | -6% |
Efland | $1,640 | -4% |
Eden | $1,616 | -6% |
Liberty | $1,617 | -6% |
Mc Leansville | $1,613 | -6% |
Mount Gilead | $1,638 | -4% |
Ruffin | $1,887 | +10% |
Pinetops | $1,818 | +6% |
Pleasant Hill | $1,875 | +9% |
Fayetteville | $1,952 | +13% |
Wilkesboro | $1,623 | -5% |
Scotts | $1,683 | -2% |
Cedar Mountain | $1,509 | -13% |
Fairview | $1,479 | -15% |
Fontana Dam | $1,506 | -13% |
Pisgah Forest | $1,487 | -14% |
Scaly Mountain | $1,507 | -13% |
Zirconia | $1,542 | -10% |
Youngsville | $1,880 | +9% |
Chocowinity | $1,791 | +4% |
Bethel | $1,789 | +4% |
Fairfield | $1,930 | +12% |
Farmville | $1,810 | +6% |
Barnardsville | $1,474 | -15% |
Enka | $1,514 | -12% |
Green Mountain | $1,588 | -8% |
Mill Spring | $1,573 | -8% |
Penland | $1,618 | -6% |
Hendersonville | $1,487 | -14% |
Bath | $1,908 | +11% |
Belhaven | $1,910 | +11% |
Elm City | $1,805 | +5% |
Greenville | $1,763 | +3% |
East Bend | $1,608 | -6% |
Germanton | $1,512 | -12% |
Madison | $1,616 | -6% |
Rural Hall | $1,512 | -12% |
Winston Salem | $1,552 | -10% |
Almond | $1,473 | -15% |
Candler | $1,477 | -15% |
Clyde | $1,476 | -15% |
East Flat Rock | $1,487 | -14% |
Etowah | $1,488 | -14% |
Flat Rock | $1,494 | -14% |
Fletcher | $1,497 | -13% |
Glenville | $1,501 | -13% |
Lake Toxaway | $1,478 | -15% |
Micaville | $1,615 | -6% |
Topton | $1,478 | -15% |
Aulander | $1,896 | +10% |
Blounts Creek | $1,794 | +5% |
Fremont | $1,789 | +4% |
Lewisville | $1,505 | -13% |
Clinton | $1,819 | +6% |
Dunn | $1,757 | +3% |
Hoffman | $1,921 | +11% |
Linden | $1,776 | +4% |
Lumberton | $1,906 | +11% |
Rockingham | $1,899 | +10% |
Tar Heel | $2,021 | +17% |
Wilmington | $1,652 | -4% |
Kittrell | $1,878 | +9% |
Middlesex | $1,801 | +5% |
Moncure | $1,614 | -6% |
Norlina | $1,885 | +10% |
Bennett | $1,620 | -6% |
Bynum | $1,648 | -4% |
Denton | $1,626 | -5% |
Graham | $1,606 | -6% |
Providence | $1,887 | +10% |
Saxapahaw | $1,642 | -4% |
Troy | $1,625 | -5% |
Benson | $1,737 | +1% |
Butner | $1,878 | +9% |
Carrboro | $1,491 | -14% |
Kipling | $1,779 | +4% |
Macon | $1,893 | +10% |
Princeton | $1,741 | +2% |
Stem | $1,882 | +9% |
Oxford | $1,902 | +10% |
Bullock | $1,894 | +10% |
Creedmoor | $1,887 | +10% |
Garner | $1,746 | +2% |
Roxboro | $1,900 | +10% |
Timberlake | $1,898 | +10% |
Vaughan | $1,861 | +8% |
Bunn | $1,890 | +10% |
Calypso | $1,814 | +6% |
Falcon | $1,807 | +5% |
Godwin | $1,774 | +4% |
Red Springs | $1,906 | +11% |
Sandy Ridge | $1,624 | -5% |
Stoneville | $1,619 | -6% |
Asheboro | $1,612 | -6% |
Lawsonville | $1,619 | -6% |
Holly Springs | $1,507 | -13% |
Ridgeway | $1,907 | +11% |
Selma | $1,756 | +2% |
Blanch | $1,908 | +11% |
Browns Summit | $1,613 | -6% |
Climax | $1,611 | -6% |
Franklinville | $1,611 | -6% |
Gibsonville | $1,609 | -6% |
Pittsboro | $1,619 | -6% |
Sedalia | $1,632 | -5% |
Siler City | $1,618 | -6% |
Bonlee | $1,645 | -4% |
Jackson Springs | $1,617 | -6% |
Jamestown | $1,530 | -11% |
Julian | $1,612 | -6% |
Ramseur | $1,610 | -6% |
Robbins | $1,624 | -5% |
Kenly | $1,788 | +4% |
Knightdale | $1,832 | +7% |
Wendell | $1,750 | +2% |
Cedar Grove | $1,643 | -4% |
Milton | $1,896 | +10% |
Prospect Hill | $1,887 | +10% |
Semora | $1,901 | +10% |
Stokesdale | $1,607 | -6% |
Whitsett | $1,613 | -6% |
Wise | $1,876 | +9% |
Balsam | $1,499 | -13% |
Canton | $1,481 | -15% |
Gerton | $1,511 | -13% |
Sapphire | $1,512 | -12% |
Tuxedo | $1,523 | -12% |
Waynesville | $1,481 | -15% |
Union Grove | $1,611 | -6% |
Zionville | $1,583 | -8% |
Balsam Grove | $1,511 | -13% |
Black Mountain | $1,474 | -15% |
Cashiers | $1,482 | -14% |
Cherokee | $1,483 | -14% |
Horse Shoe | $1,495 | -14% |
Otto | $1,474 | -15% |
Ridgecrest | $1,507 | -13% |
Spruce Pine | $1,579 | -8% |
Whittier | $1,478 | -15% |
Hurdle Mills | $1,891 | +10% |
Lillington | $1,762 | +3% |
Smithfield | $1,735 | +1% |
Leicester | $1,475 | -15% |
Marion | $1,570 | -9% |
Naples | $1,521 | -12% |
Old Fort | $1,472 | -15% |
Penrose | $1,486 | -14% |
Sylva | $1,480 | -15% |
Bakersville | $1,580 | -8% |
Bat Cave | $1,526 | -12% |
Castalia | $1,886 | +10% |
Edward | $1,808 | +5% |
Bahama | $1,662 | -3% |
Four Oaks | $1,732 | +1% |
Henderson | $1,882 | +9% |
Morrisville | $1,509 | -13% |
Stovall | $1,916 | +11% |
Warrenton | $1,882 | +9% |
Zebulon | $1,758 | +3% |
Battleboro | $1,790 | +4% |
Bellarthur | $1,818 | +6% |
Asheville | $1,489 | -14% |
Angier | $1,753 | +2% |
Aurora | $1,797 | +5% |
Bailey | $1,796 | +5% |
Cedar Falls | $1,640 | -4% |
Eagle Springs | $1,624 | -5% |
Hillsborough | $1,647 | -4% |
Pelham | $1,891 | +10% |
Sophia | $1,617 | -6% |
Yanceyville | $1,885 | +10% |
Atkinson | $1,837 | +7% |
Burgaw | $1,810 | +6% |
Cerro Gordo | $2,024 | +17% |
Currie | $1,829 | +7% |
Garland | $1,821 | +6% |
Rose Hill | $1,834 | +7% |
Tabor City | $2,017 | +16% |
Ocean Isle Beach | $1,556 | -10% |
Gloucester | $1,553 | -10% |
Grifton | $1,803 | +5% |
Camp Lejeune | $1,773 | +3% |
Mccutcheon Field | $1,801 | +5% |
Everetts | $1,813 | +6% |
Enfield | $1,884 | +10% |
Gaston | $1,869 | +9% |
Coats | $1,759 | +3% |
Rougemont | $1,898 | +10% |
Charlotte | $1,915 | +11% |
Powells Point | $1,593 | -7% |
Wanchese | $1,590 | -7% |
Gastonia | $1,916 | +11% |
Kings Mountain | $1,742 | +2% |
Mc Adenville | $1,845 | +7% |
Ansonville | $1,915 | +11% |
Gold Hill | $1,727 | +1% |
Kannapolis | $1,728 | +1% |
Lincolnton | $1,744 | +2% |
Mc Farlan | $1,927 | +12% |
Midland | $1,768 | +3% |
Mooresville | $1,654 | -4% |
Woodleaf | $1,723 | +1% |
Scotland Neck | $1,894 | +10% |
Seaboard | $1,880 | +9% |
Whitakers | $1,877 | +9% |
Wilson | $1,849 | +8% |
Eure | $1,902 | +10% |
Kitty Hawk | $1,602 | -7% |
Moyock | $1,607 | -6% |
Nags Head | $1,602 | -7% |
Brasstown | $1,488 | -14% |
Roper | $1,900 | +10% |
Bostic | $1,577 | -8% |
Ellenboro | $1,583 | -8% |
Locust | $1,628 | -5% |
Jackson | $1,882 | +9% |
Jamesville | $1,886 | +10% |
Littleton | $1,873 | +9% |
Stokes | $1,790 | +4% |
Monroe | $1,918 | +11% |
Valdese | $1,651 | -4% |
Arden | $1,482 | -14% |
Burnsville | $1,573 | -8% |
Franklin | $1,469 | -15% |
Robbinsville | $1,471 | -15% |
Tuckasegee | $1,473 | -15% |
Waves | $1,630 | -5% |
Winfall | $1,894 | +10% |
Cherryville | $1,737 | +1% |
China Grove | $1,730 | +1% |
Concord | $1,740 | +2% |
Crouse | $1,743 | +2% |
Dillsboro | $1,515 | -12% |
Hot Springs | $1,483 | -14% |
Little Switzerland | $1,602 | -7% |
Nebo | $1,570 | -9% |
Columbus | $1,577 | -8% |
Cullowhee | $1,482 | -14% |
Hazelwood | $1,512 | -12% |
Maggie Valley | $1,482 | -14% |
Marshall | $1,469 | -15% |
Lawndale | $1,740 | +2% |
Mount Pleasant | $1,631 | -5% |
Kelford | $1,890 | +10% |
Macclesfield | $1,795 | +5% |
Pinetown | $1,903 | +11% |
Rich Square | $1,884 | +10% |
Severn | $1,905 | +11% |
Frisco | $1,597 | -7% |
Sharpsburg | $1,781 | +4% |
Sims | $1,801 | +5% |
Walstonburg | $1,819 | +6% |
Elizabeth City | $1,599 | -7% |
Barco | $1,601 | -7% |
Creswell | $1,893 | +10% |
Gates | $1,902 | +10% |
Merry Hill | $1,898 | +10% |
Hayesville | $1,475 | -15% |
Grimesland | $1,789 | +4% |
Margarettsville | $1,879 | +9% |
Parmele | $1,833 | +7% |
Aydlett | $1,609 | -6% |
Belvidere | $1,896 | +10% |
Hatteras | $1,604 | -7% |
Knotts Island | $1,604 | -7% |
Pope Army Airfield | $1,978 | +14% |
Fairmont | $1,908 | +11% |
Hope Mills | $1,976 | +14% |
Lakeview | $1,654 | -4% |
Maxton | $1,922 | +12% |
Stedman | $1,778 | +4% |
Seven Springs | $1,798 | +5% |
Swansboro | $1,540 | -11% |
Catawba | $1,647 | -4% |
Conover | $1,646 | -4% |
Grassy Creek | $1,586 | -8% |
Roaring River | $1,620 | -6% |
Taylorsville | $1,648 | -4% |
Engelhard | $1,926 | +12% |
Garysburg | $1,874 | +9% |
Brunswick | $1,998 | +15% |
Clarendon | $2,018 | +16% |
Riegelwood | $1,811 | +6% |
Ernul | $1,810 | +6% |
Grantsboro | $1,544 | -10% |
Marshallberg | $1,572 | -9% |
Morehead City | $1,528 | -11% |
Spindale | $1,580 | -8% |
Salisbury | $1,728 | +1% |
Shelby | $1,731 | +1% |
Spencer | $1,727 | +1% |
Vale | $1,739 | +1% |
Murphy | $1,481 | -14% |
Pollocksville | $1,787 | +4% |
Richlands | $1,777 | +4% |
Hickory | $1,650 | -4% |
Culberson | $1,522 | -12% |
Dudley | $1,711 | -0% |
Erwin | $1,768 | +3% |
Marston | $1,938 | +12% |
Todd | $1,606 | -6% |
Traphill | $1,616 | -6% |
Warrensville | $1,593 | -7% |
West Jefferson | $1,591 | -7% |
Highlands | $1,471 | -15% |
Lake Lure | $1,575 | -8% |
Rosman | $1,504 | -13% |
Skyland | $1,516 | -12% |
Norman | $1,659 | -3% |
Pinehurst | $1,602 | -7% |
Spring Lake | $1,972 | +14% |
Turkey | $1,822 | +6% |
Wagram | $1,914 | +11% |
Mount Airy | $1,607 | -6% |
Barnesville | $1,906 | +11% |
Elizabethtown | $2,015 | +16% |
Olivia | $1,796 | +5% |
Dobson | $1,606 | -6% |
Mocksville | $1,524 | -12% |
Walnut Cove | $1,612 | -6% |
Yadkinville | $1,606 | -6% |
New Bern | $1,540 | -11% |
Salter Path | $1,550 | -10% |
Stella | $1,559 | -9% |
Vanceboro | $1,770 | +3% |
Winterville | $1,766 | +3% |
Creston | $1,588 | -8% |
Glen Alpine | $1,654 | -4% |
Dublin | $2,034 | +17% |
Kenansville | $1,803 | +5% |
Laurinburg | $1,910 | +11% |
Mount Olive | $1,798 | +5% |
Pembroke | $1,907 | +11% |
Saint Pauls | $1,911 | +11% |
Vass | $1,620 | -6% |
Wade | $1,801 | +5% |
Clarkton | $2,017 | +16% |
Kelly | $1,840 | +7% |
Bridgeton | $1,589 | -8% |
Cherry Point | $1,565 | -9% |
Jacksonville | $1,765 | +3% |
Advance | $1,526 | -12% |
Pine Hall | $1,617 | -6% |
Ararat | $1,605 | -6% |
Cooleemee | $1,527 | -11% |
Danbury | $1,615 | -6% |
Pfafftown | $1,511 | -13% |
Siloam | $1,602 | -7% |
Alamance | $1,642 | -4% |
King | $1,508 | -13% |
Pilot Mountain | $1,606 | -6% |
Boonville | $1,609 | -6% |
Pinnacle | $1,611 | -6% |
Badin | $1,628 | -5% |
Clemmons | $1,513 | -12% |
Mayodan | $1,616 | -6% |
Westfield | $1,616 | -6% |
Oakboro | $1,628 | -5% |
Paw Creek | $1,899 | +10% |
Polkville | $1,760 | +3% |
Union Mills | $1,579 | -8% |
Waxhaw | $1,743 | +2% |
Tarboro | $1,797 | +5% |
Avon | $1,599 | -7% |
Hobbsville | $1,902 | +10% |
Kill Devil Hills | $1,597 | -7% |
Manns Harbor | $1,605 | -7% |
Ocracoke | $1,605 | -7% |
Chadbourn | $2,021 | +16% |
Delco | $1,810 | +5% |
Supply | $1,721 | +0% |
Calabash | $1,546 | -10% |
Arapahoe | $1,544 | -10% |
Atlantic | $1,541 | -11% |
Beulaville | $1,816 | +6% |
Tarawa Terrace | $1,775 | +4% |
Hamptonville | $1,610 | -6% |
Hassell | $1,905 | +11% |
Nashville | $1,792 | +4% |
Scranton | $1,926 | +12% |
Stantonsburg | $1,810 | +6% |
Williamston | $1,790 | +4% |
Cofield | $1,901 | +10% |
Jarvisburg | $1,602 | -7% |
Marble | $1,473 | -15% |
Bessemer City | $1,943 | +13% |
Caroleen | $1,609 | -6% |
Casar | $1,739 | +2% |
Cornelius | $1,637 | -5% |
Lowell | $1,851 | +8% |
Evergreen | $2,027 | +17% |
Hallsboro | $2,019 | +16% |
Leland | $1,723 | +1% |
Magnolia | $1,808 | +5% |
Southport | $1,632 | -5% |
Ayden | $1,779 | +4% |
Beaufort | $1,528 | -11% |
Davis | $1,554 | -10% |
Hobucken | $1,828 | +6% |
Point Harbor | $1,622 | -5% |
Roduco | $1,918 | +11% |
South Mills | $1,611 | -6% |
Winton | $1,896 | +10% |
Albemarle | $1,624 | -5% |
Belmont | $1,849 | +8% |
Dallas | $1,943 | +13% |
Iron Station | $1,741 | +2% |
Landis | $1,733 | +1% |
Robersonville | $1,788 | +4% |
Roxobel | $1,919 | +11% |
Currituck | $1,631 | -5% |
Harbinger | $1,616 | -6% |
Harrellsville | $1,903 | +11% |
Hertford | $1,890 | +10% |
Maple | $1,636 | -5% |
Aberdeen | $1,619 | -6% |
Autryville | $1,827 | +6% |
Bunnlevel | $1,977 | +14% |
Stacy | $1,585 | -8% |
Williston | $1,580 | -8% |
Claremont | $1,648 | -4% |
Glendale Springs | $1,616 | -6% |
Hildebran | $1,648 | -4% |
Roaring Gap | $1,644 | -4% |
Lowgap | $1,614 | -6% |
Tobaccoville | $1,512 | -12% |
Walkertown | $1,514 | -12% |
Wilsons Mills | $1,762 | +3% |
Como | $1,908 | +11% |
Conway | $1,883 | +9% |
Fountain | $1,816 | +6% |
Earl | $1,764 | +3% |
Forest City | $1,582 | -8% |
Harrisburg | $1,741 | +2% |
Lattimore | $1,760 | +3% |
Richfield | $1,624 | -5% |
Rutherfordton | $1,584 | -8% |
Grover | $1,737 | +1% |
Indian Trail | $1,780 | +4% |
Morven | $1,909 | +11% |
Mount Holly | $1,849 | +8% |
Ellerbe | $1,628 | -5% |
Gibson | $1,916 | +11% |
Lumber Bridge | $1,915 | +11% |
Rex | $1,941 | +13% |
Southern Pines | $1,609 | -6% |
Cameron | $1,758 | +3% |
Cumberland | $1,969 | +14% |
Faison | $1,804 | +5% |
Lemon Springs | $1,792 | +5% |
Pink Hill | $1,804 | +5% |
Sealevel | $1,577 | -8% |
Banner Elk | $1,595 | -7% |
Crossnore | $1,629 | -5% |
Glade Valley | $1,622 | -5% |
Lenoir | $1,641 | -4% |
Harmony | $1,618 | -6% |
Maiden | $1,656 | -3% |
Newton | $1,647 | -4% |
Stony Point | $1,648 | -4% |
Proctorville | $1,925 | +12% |
Raeford | $1,979 | +14% |
Laurel Hill | $1,911 | +11% |
Newton Grove | $1,821 | +6% |
Parkton | $1,916 | +11% |
Pinebluff | $1,618 | -6% |
Rowland | $1,909 | +11% |
Salemburg | $1,823 | +6% |
Shannon | $1,912 | +11% |
Warsaw | $1,803 | +5% |
Rockwell | $1,728 | +1% |
Statesville | $1,646 | -4% |
Brevard | $1,474 | -15% |
Lake Junaluska | $1,465 | -16% |
Mars Hill | $1,489 | -14% |
Mills River | $1,483 | -14% |
Saluda | $1,576 | -8% |
Weaverville | $1,474 | -15% |
Deep Gap | $1,580 | -8% |
Jonas Ridge | $1,629 | -5% |
Laurel Springs | $1,624 | -5% |
Olin | $1,615 | -6% |
Sherrills Ford | $1,654 | -4% |
State Road | $1,608 | -6% |
Plymouth | $1,889 | +10% |
Shawboro | $1,604 | -7% |
Huntersville | $1,642 | -4% |
Matthews | $1,782 | +4% |
Mooresboro | $1,736 | +1% |
Oak City | $1,880 | +9% |
Pendleton | $1,896 | +10% |
Pikeville | $1,715 | +0% |
Roanoke Rapids | $1,868 | +9% |
Camden | $1,595 | -7% |
Columbia | $1,898 | +10% |
Corolla | $1,609 | -6% |
Henrietta | $1,743 | +2% |
Lilesville | $1,913 | +11% |
Marshville | $1,920 | +11% |
Mount Mourne | $1,697 | -1% |
Poplar Branch | $1,634 | -5% |
Salvo | $1,632 | -5% |
Shiloh | $1,596 | -7% |
Windsor | $1,889 | +10% |
Fallston | $1,763 | +3% |
Mount Ulla | $1,756 | +2% |
Newell | $2,232 | +26% |
Halifax | $1,880 | +9% |
Lewiston Woodville | $1,910 | +11% |
Simpson | $1,811 | +6% |
Speed | $1,881 | +9% |
Spring Hope | $1,792 | +5% |
Buxton | $1,632 | -5% |
Durants Neck | $1,838 | +7% |
Gatesville | $1,900 | +10% |
Grandy | $1,606 | -6% |
Manteo | $1,594 | -7% |
Bolivia | $1,718 | +0% |
Carolina Beach | $1,645 | -4% |
Holly Ridge | $1,550 | -10% |
Shallotte | $1,719 | +0% |
Albertson | $1,804 | +5% |
Hookerton | $1,811 | +6% |
Fair Bluff | $2,017 | +16% |
Hampstead | $1,632 | -5% |
Lake Waccamaw | $1,813 | +6% |
Teachey | $1,810 | +5% |
Winnabow | $1,722 | +1% |
Kinston | $1,749 | +2% |
Atlantic Beach | $1,532 | -11% |
Cedar Island | $1,623 | -5% |
Havelock | $1,542 | -11% |
Maysville | $1,561 | -9% |
Boone | $1,606 | -6% |
Hiddenite | $1,608 | -6% |
Hudson | $1,647 | -4% |
Linville Falls | $1,614 | -6% |
Rutherford College | $1,653 | -4% |
Sugar Grove | $1,580 | -8% |
Morganton | $1,650 | -4% |
Crumpler | $1,585 | -8% |
Elkin | $1,606 | -6% |
Purlear | $1,619 | -6% |
Oriental | $1,549 | -10% |
Snow Hill | $1,808 | +5% |
Drexel | $1,654 | -4% |
Scottville | $1,645 | -4% |
Vandemere | $1,822 | +6% |
Emerald Isle | $1,544 | -10% |
Blowing Rock | $1,592 | -7% |
Ferguson | $1,609 | -6% |
Mc Grady | $1,648 | -4% |
Moravian Falls | $1,612 | -6% |
Newland | $1,593 | -7% |
Sparta | $1,615 | -6% |
Thurmond | $1,609 | -6% |
Connellys Springs | $1,645 | -4% |
Granite Falls | $1,645 | -4% |
Jefferson | $1,584 | -8% |
Millers Creek | $1,619 | -6% |
Ronda | $1,609 | -6% |
Terrell | $1,657 | -3% |
Collettsville | $1,588 | -8% |
Elk Park | $1,584 | -8% |
Fleetwood | $1,590 | -7% |
Pineola | $1,629 | -5% |
Pineville | $1,894 | +10% |
Henrico | $1,884 | +10% |
Hollister | $1,897 | +10% |
Lucama | $1,796 | +5% |
New London | $1,625 | -5% |
Wadesboro | $1,913 | +11% |
Wingate | $1,921 | +11% |
Peachland | $1,925 | +12% |
Stanley | $1,654 | -4% |
Hamlet | $1,900 | +10% |
White Oak | $2,019 | +16% |
Norwood | $1,628 | -5% |
Polkton | $1,907 | +11% |
Waco | $1,765 | +3% |
Ivanhoe | $1,811 | +6% |
Longwood | $1,808 | +5% |
Nakina | $2,021 | +16% |
Sneads Ferry | $1,550 | -10% |
Deep Run | $1,800 | +5% |
Dover | $1,805 | +5% |
La Grange | $1,711 | -0% |
Fort Bragg | $1,975 | +14% |
Bladenboro | $2,015 | +16% |
Carthage | $1,618 | -6% |
Marietta | $1,924 | +12% |
Orrum | $1,911 | +11% |
Roseboro | $1,817 | +6% |
Murfreesboro | $1,896 | +10% |
Potecasi | $1,903 | +11% |
Weldon | $1,880 | +9% |
Woodland | $1,889 | +10% |
Ahoskie | $1,896 | +10% |
Coinjock | $1,632 | -5% |
Corapeake | $1,899 | +10% |
Kure Beach | $1,637 | -5% |
Oak Island | $1,628 | -5% |
Sunset Beach | $1,554 | -10% |
Bayboro | $1,783 | +4% |
Chinquapin | $1,809 | +5% |
Lowland | $1,836 | +7% |
Hobgood | $1,886 | +10% |
Tillery | $1,906 | +11% |
Edenton | $1,895 | +10% |
Stanfield | $1,636 | -5% |
Troutman | $1,657 | -3% |
Wallace | $1,812 | +6% |
Willard | $1,816 | +6% |
Cramerton | $1,843 | +7% |
Misenheimer | $1,631 | -5% |
Tryon | $1,575 | -8% |
Warne | $1,505 | -13% |
Bolton | $1,815 | +6% |
Council | $2,016 | +16% |
Whiteville | $2,024 | +17% |
Wrightsville Beach | $1,641 | -4% |
Harkers Island | $1,534 | -11% |
Midway Park | $1,771 | +3% |
Hamilton | $1,884 | +10% |
Pantego | $1,910 | +11% |
Swanquarter | $1,907 | +11% |
Washington | $1,791 | +4% |
Colerain | $1,898 | +10% |
Andrews | $1,478 | -15% |
Ash | $1,807 | +5% |
Castle Hayne | $1,732 | +1% |
Vilas | $1,584 | -8% |
Alexander | $1,470 | -15% |
Bryson City | $1,478 | -15% |
Lynn | $1,608 | -6% |
Montreat | $1,507 | -13% |
Swannanoa | $1,473 | -15% |
Harrells | $1,821 | +6% |
Maple Hill | $1,832 | +7% |
Rocky Point | $1,830 | +7% |
Comfort | $1,829 | +7% |
Cove City | $1,789 | +4% |
Hubert | $1,554 | -10% |
Merritt | $1,549 | -10% |
Belews Creek | $1,517 | -12% |
Cleveland | $1,722 | +1% |
Powellsville | $1,910 | +11% |
Tyner | $1,895 | +10% |
Barium Springs | $1,678 | -2% |
Davidson | $1,657 | -3% |
Denver | $1,657 | -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, and the lack of driving experience is why teen drivers 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 typically 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 | Average annual full coverage premium in NC | Average minimum coverage premium in NC |
---|---|---|
Age 16*
|
Average annual full coverage premium in NC
$3,900
|
Average minimum coverage premium in NC
$1,349
|
Age 18
|
Average annual full coverage premium in NC
$3,339
|
Average minimum coverage premium in NC
$1,128
|
Age 20
|
Average annual full coverage premium in NC
$2,108
|
Average minimum coverage premium in NC
$595
|
Age 25
|
Average annual full coverage premium in NC
$1,832
|
Average minimum coverage premium in NC
$528
|
Age 30
|
Average annual full coverage premium in NC
$1,754
|
Average minimum coverage premium in NC
$508
|
Age 40
|
Average annual full coverage premium in NC
$1,713
|
Average minimum coverage premium in NC
$498
|
Age 50
|
Average annual full coverage premium in NC
$1,677
|
Average minimum coverage premium in NC
$492
|
Age 60
|
Average annual full coverage premium in NC
$1,632
|
Average minimum coverage premium in NC
$486
|
Age 70
|
Average annual full coverage premium in NC
$1,706
|
Average minimum coverage premium in NC
$511
|
Age | Average annual full coverage premium in NC | Average minimum coverage premium in NC |
---|---|---|
Age 16*
|
Average annual full coverage premium in NC
$3,900
|
Average minimum coverage premium in NC
$1,349
|
Age 18
|
Average annual full coverage premium in NC
$3,711
|
Average minimum coverage premium in NC
$1,125
|
Age 20
|
Average annual full coverage premium in NC
$2,108
|
Average minimum coverage premium in NC
$595
|
Age 25
|
Average annual full coverage premium in NC
$1,832
|
Average minimum coverage premium in NC
$528
|
Age 30
|
Average annual full coverage premium in NC
$1,754
|
Average minimum coverage premium in NC
$508
|
Age 40
|
Average annual full coverage premium in NC
$1,713
|
Average minimum coverage premium in NC
$498
|
Age 50
|
Average annual full coverage premium in NC
$1,504
|
Average minimum coverage premium in NC
$493
|
Age 60
|
Average annual full coverage premium in NC
$1,632
|
Average minimum coverage premium in NC
$486
|
Age 70
|
Average annual full coverage premium in NC
$1,706
|
Average minimum coverage premium in NC
$511
|
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 | Avg. annual premium for drivers in NC |
---|---|
Age 16*
|
Avg. annual premium for drivers in NC
$3,900
|
Age 17
|
Avg. annual premium for drivers in NC
$3,038
|
Age 18
|
Avg. annual premium for drivers in NC
$2,786
|
Age 19
|
Avg. annual premium for drivers in NC
$2,103
|
Age 20
|
Avg. annual premium for drivers in NC
$2,065
|
Age | Avg. annual premium for drivers in NC |
---|---|
Age 18
|
Avg. annual premium for drivers in NC
$3,525
|
Age 19
|
Avg. annual premium for drivers in NC
$2,169
|
Age 20
|
Avg. annual premium for drivers in NC
$2,108
|
Age | Avg. annual premium difference for drivers on their own policy |
---|---|
Age 18 | 27 percent more |
Age 19 | 3 percent more |
Age 20 | 2 percent more |
*18- and 20-year-old are renters on their own policies with no discounts applied
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 impact rates. A driving under the influence (DUI) conviction has the most significant impact on your premiums in North Carolina, changing average rates by an astounding 289 percent more. 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.
Driving incident | Avg. annual premium* in OH | Percentage increase from OH avg. annual premium* |
---|---|---|
Clean driving record
|
Avg. annual premium* in OH
$1,529
|
Percentage increase from OH avg. annual premium*
0%
|
Avg. annual premium* in OH
$1,818
|
Percentage increase from OH avg. annual premium*
19%
|
|
Avg. annual premium* in OH
$2,151
|
Percentage increase from OH avg. annual premium*
41%
|
|
Avg. annual premium* in OH
$2,825
|
Percentage increase from OH avg. annual premium*
85%
|
Car insurance rates in North Carolina by credit score
Another major factor that may contribute to your insurance rate is your credit score. In most states, major auto carriers will use credit-based insurance scores as an insurance rating factor, with drivers with higher credit scores paying lower premiums, on average.
Credit tier | Avg. annual premium* in NC | Percentage change from NC average annual premium* |
---|---|---|
Avg. annual premium* in NC
$2,295
|
Percentage change from NC average annual premium*
34%
|
|
Average
|
Avg. annual premium* in NC
$1,787
|
Percentage change from NC average annual premium*
4%
|
Avg. annual premium* in NC
$1,713
|
Percentage change from NC average annual premium*
0%
|
|
Excellent
|
Avg. annual premium* in NC
$1,653
|
Percentage change from NC average annual premium*
-3%
|
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 8 percent more than the state average to insure for full coverage, while a Ford F-150 costs about 13 percent less than the state average.
Vehicle | Avg. annual premium* in NC |
---|---|
Avg. annual premium* in NC
$1,713
|
|
Avg. annual premium* in NC
$1,493
|
|
Avg. annual premium* in NC
$1,364
|
|
BMW 330i
|
Avg. annual premium* in NC
$1,848
|
Toyota Prius
|
Avg. annual premium* in NC
$1,715
|
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.
Calculate your monthly car insurance payment
Get a quick estimate to make sure you're not overpaying.
Your estimate awaits...
Answer a few questions to reveal your payment
The results are in...
Your estimated payment
Ready for real rates?
Crunching the numbers...
An error occurred...
We're unable to estimate your payment
Ready for real rates?
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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: Car insurance companies price policies differently, so one company may extend you a quote that’s significantly cheaper than another. For this reason, comparing quotes from several companies for the same coverage types and policy limits is helpful when searching for the most affordable rates.
- Bundle your policies: Bundling your auto and home insurance just means buying both policies from the same company. This is generally one of the most significant discounts you can get.
- 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.
- 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-policy, paperless billing and claims-free discounts.
Keep in mind that North Carolina prohibits many common discounts, though. One example is the good student discount. 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
Methodology
Bankrate utilizes Quadrant Information Services to analyze the latest rates in April 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Credit-based insurance scores: 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.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.
Model: To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base).
Age: Rates were calculated by evaluating our base profile with the ages 16-70 (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.
Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Teens: 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 unless otherwise noted.