- Average car insurance cost in North Carolina is $1,822 per year, or around $152 per month.
- When compared to other southeastern states, North Carolina ranks first out of 12 states for auto insurance affordability and ranks second overall for the entire U.S.
- Cheap car insurance in North Carolina can be found on compact SUVs driven by older drivers with good credit, clean driving records, and multiple policy discounts.
How much is car insurance in North Carolina?
Average car insurance cost in North Carolina is $1,822 per year, which is 19.7% less than the overall national average rate of $2,221.
Average car insurance cost per month in North Carolina costs around $152 for full coverage. The rate you’ll pay depends on a lot of factors, but one of the biggest is the model of vehicle you drive.
Car insurance rates on some of the most popular vehicles in North Carolina include the Ford F150 at an average of $2,038 per year, the Toyota Camry at $1,958, the Chevrolet Silverado at $2,014, the Jeep Grand Cherokee at $1,820, and the Honda CR-V at $1,552 per year.
High end models like the Lexus GX 460, the Volvo XC60, and the Acura Integra cost an average of $1,946, $1,842, and $1,620 per year, respectively, for full-coverage car insurance. These are some of the luxury models with the cheapest car insurance rates.
The chart below shows average car insurance cost in North Carolina for all 2024 models. Rates are averaged for all North Carolina Zip Codes and shown for different driver ages and policy deductible amounts.
North Carolina car insurance rates in the chart above range from $1,278 per year for a 60-year-old driver with $1,000 deductibles to $4,264 per year for a 20-year-old driver with $250 deductibles. Not only do younger drivers pay more, but having low physical damage deductibles increases policy cost considerably.
When annual rates are converted to a monthly amount, the average cost of car insurance per month in North Carolina ranges from $107 to $355 for the rates shown in the chart.
Car insurance rates for teenage drivers are not included in the chart, but expect to pay quite a bit more if you are insuring a 16 to 19-year-old anywhere in North Carolina. Average annual rates range from $4,338 per year for a 19-year-old female driver up to $6,487 per year for a 16-year-old male driver.
For 17 and 18-year-old drivers, average auto insurance rates in North Carolina will cost from $6,025 to $6,286 per year for 17-year-olds and from $5,200 to $5,634 per year for 18-year-olds.
It’s normal for rates to fluctuate not only between companies, but also for the same company based on their most recent rate filing with the North Carolina Department of Insurance. The best way to ensure you’re getting the best deal right now is to get some North Carolina car insurance quotes.
Is car insurance expensive in North Carolina?
When compared to surrounding states, average North Carolina car insurance rates are 22.7% less than West Virginia, 3.7% less than Virginia, 18.4% less than South Carolina, 27.1% less than Tennessee, and 31.9% less than Georgia.
When compared to states in other parts of the country, the average cost of car insurance in North Carolina is 2.1% more expensive than Maine, 21.5% cheaper than Illinois, 40.7% cheaper than Florida, 35.3% cheaper than Colorado, and 25.7% cheaper than Oregon.
Here’s an example in dollar amounts instead of percentages of how auto insurance rates in North Carolina compare to surrounding states. This example uses the Toyota RAV4 as the rated vehicle with a 40-year-old male as the rated driver.
Average car insurance cost on a 2024 Toyota RAV4 in North Carolina is $1,680 per year. This amount is:
- $342 per year cheaper than insuring the same vehicle in South Carolina ($2,022)
- $638 per year cheaper than in Georgia ($2,318)
- $442 per year cheaper than in Alabama ($2,122)
- $562 per year cheaper than in Mississippi ($2,242)
- $524 per year cheaper than in Tennessee ($2,204)
The chart below shows how average auto insurance cost in North Carolina compares to other states in the southeastern part of the United States. North Carolina ranks first out of 12 states in the Southeast region for cheapest car insurance rates, and ranks second out of all 50 states for car insurance affordability.
North Carolina car insurance rates by vehicle segment
The chart below shows average North Carolina auto insurance rates for each different vehicle segment. Rates range from an average of around $930 per year for compact SUVs like the Toyota RAV4 and Honda CR-V up to the most expensive rates on luxury models and sports cars that can range from about $1,500 to over $2,000 per year.
Which vehicles have cheap car insurance in North Carolina?
When all vehicle segments are compared, the Subaru Crosstrek and Chevrolet Trailblazer have the cheapest car insurance rates in North Carolina. They cost an average of $1,344 and $1,370 per year, respectively.
The list below shows the vehicle with the cheapest car insurance quotes in North Carolina for each segment, along with annual and monthly insurance premiums.
- Cheapest compact car insurance – Toyota GR Corolla at $1,582 per year or $132 per month
- Cheapest compact SUV insurance – Subaru Crosstrek at $1,344 per year or $112 per month
- Cheapest midsize car insurance – Kia K5 at $1,754 per year or $146 per month
- Cheapest midsize SUV insurance – Honda Passport at $1,450 per year or $121 per month
- Cheapest full-size car insurance – Chrysler 300 at $1,734 per year or $145 per month
- Cheapest full-size SUV insurance – Chevrolet Tahoe at $1,710 per year or $143 per month
- Cheapest midsize pickup insurance – Chevrolet Colorado at $1,604 per year or $134 per month
- Cheapest full-size pickup insurance – Nissan Titan at $1,704 per year or $142 per month
- Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $1,850 per year or $154 per month
- Cheapest minivan insurance – Honda Odyssey at $1,664 per year or $139 per month
- Cheapest sports car insurance – Mazda MX-5 Miata at $1,686 per year or $141 per month
- Cheapest compact luxury car insurance – Acura Integra at $1,620 per year or $135 per month
- Cheapest compact luxury SUV insurance – Acura RDX at $1,522 per year or $127 per month
- Cheapest midsize luxury car insurance – Mercedes-Benz CLA250 at $1,874 per year or $156 per month
- Cheapest midsize luxury SUV insurance – Jaguar E-Pace at $1,702 per year or $142 per month
- Cheapest full-size luxury car insurance – Audi A5 at $2,162 per year or $180 per month
- Cheapest full-size luxury SUV insurance – Infiniti QX80 at $2,042 per year or $170 per month
From an individual model perspective, the majority of vehicles with the cheapest car insurance rates in North Carolina are small to mid-size cars and SUVs. The table below ranks the top 30 cheapest vehicles to insure in the state of North Carolina for the 2024 model year.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,344 | $112 |
| 2 | Chevrolet Trailblazer | $1,370 | $114 |
| 3 | Kia Soul | $1,422 | $119 |
| 4 | Nissan Kicks | $1,432 | $119 |
| 5 | Honda Passport | $1,450 | $121 |
| 6 | Buick Envision | $1,458 | $122 |
| 7 | Toyota Corolla Cross | $1,468 | $122 |
| 8 | Hyundai Venue | $1,482 | $124 |
| 9 | Mazda CX-5 | $1,484 | $124 |
| 10 | Ford Bronco Sport | $1,492 | $124 |
| 11 | Volkswagen Tiguan | $1,506 | $126 |
| 12 | Acura RDX | $1,522 | $127 |
| 13 | Nissan Murano | $1,530 | $128 |
| 14 | Buick Encore | $1,548 | $129 |
| 15 | Subaru Outback | $1,550 | $129 |
| 16 | Honda CR-V | $1,552 | $129 |
| 17 | Buick Envista | $1,556 | $130 |
| 18 | Volkswagen Taos | $1,558 | $130 |
| 19 | Kia Niro | $1,568 | $131 |
| 20 | Toyota GR Corolla | $1,582 | $132 |
| 21 | Honda HR-V | $1,584 | $132 |
| 22 | Subaru Ascent | $1,584 | $132 |
| 23 | Nissan Leaf | $1,594 | $133 |
| 24 | Chevrolet Colorado | $1,604 | $134 |
| 25 | Honda Civic | $1,610 | $134 |
| 26 | Lexus NX 250 | $1,610 | $134 |
| 27 | Volkswagen Atlas | $1,616 | $135 |
| 28 | Acura Integra | $1,620 | $135 |
| 29 | Subaru Forester | $1,620 | $135 |
| 30 | Volkswagen Atlas Cross Sport | $1,622 | $135 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all North Carolina Zip Codes. Updated June 26, 2025
North Carolina car insurance rates for popular vehicles
The charts below show average auto insurance rates for five of the most popular vehicles in North Carolina. Detailed rates are included for the Nissan Rogue, Toyota Tacoma, Honda Civic, Ford Explorer, and Ford F150.
Nissan Rogue insurance rates
Nissan Rogue insurance in North Carolina costs an average of $1,636 per year and ranges from $1,360 to $3,740 per year for the sample driver risk profiles shown in the chart below.
The Rogue is considered a compact SUV, and other popular models include the Honda CR-V, Toyota RAV4, Subaru Forester, Mazda CX-5, and Ford Escape.
Toyota Tacoma insurance rates
Toyota Tacoma car insurance rates in North Carolina range from $1,530 to $4,268 per year for the driver profiles in the chart below. Tacoma insurance costs an average of $1,844 per year or $154 per month in North Carolina.
The Toyota Tacoma belongs to the midsize pickup truck segment, and other popular models include the Ford Ranger, Chevy Colorado, Jeep Gladiator, and Honda Ridgeline.
Honda Civic insurance rates
The chart below shows average Honda Civic insurance rates in North Carolina for different driver ages and risk profiles. Annual cost ranges from $1,340 to $3,660 per year for the example driver risk profiles, with average cost being $1,610 per year.
The Honda Civic is a compact car and other similar models include the Toyota Corolla, Nissan Sentra, Hyundai Elantra, and Volkswagen Jetta.
Ford Explorer insurance rates
Average Ford Explorer insurance rates in North Carolina as shown in the chart below range from $1,372 to $3,808 per year, with the average cost being $1,652.
The Ford Explorer is considered a midsize SUV, and other models in this segment include the Toyota Highlander, Jeep Grand Cherokee, Subaru Outback, Honda Pilot, and Ford Edge.
Ford F150 insurance rates
The average cost for Ford F150 insurance in North Carolina is $2,038 per year. The chart below shows rates for additional driver profiles and prices range from $1,690 to $4,706 per year for the data shown below.
The Ford F-150 is a full-size pickup truck and other comparable half-ton pickups include the Chevy Silverado, GMC Sierra, Toyota Tundra, and Ram 1500.
Average rates by city
The list below shows some of the larger cities in North Carolina and their respective annual and monthly average car insurance rates. Visit any page for detailed rate information, including the cheapest vehicles to insure in each city.
- Charlotte Car Insurance - $1,966 per year or $164 per month
- Raleigh Car Insurance - $1,824 per year or $152 per month
- Greensboro Car Insurance - $1,806 per year or $151 per month
- Winston Salem Car Insurance - $1,712 per year or $143 per month
- Durham Car Insurance - $1,814 per year or $151 per month
- Fayetteville Car Insurance - $2,042 per year or $170 per month
- Cary Car Insurance - $1,720 per year or $143 per month
- Wilmington Car Insurance - $1,832 per year or $153 per month
Other rates and insights
More key data insights regarding insurance cost in North Carolina include:
- Car insurance for teenagers is expensive. Average rates for full coverage car insurance costs $6,487 per year for a 16-year-old driver, $6,286 per year for a 17-year-old driver, $5,634 per year for an 18-year-old driver, and $5,130 per year for a 19-year-old driver.
- Raise your credit score for cheaper insurance rates. Insureds with excellent credit scores of 800+ could save up to $286 per year compared to a good credit rating of 670-739. Conversely, a mediocre credit score could cost as much as $332 more per year.
- Gender affects car insurance rates. For the average 2024 model year vehicle, a 20-year-old male driver pays an estimated $3,666 per year, while a 20-year-old female will pay an average of $2,632, a difference of $1,034 per year. The females get the cheaper rate by far. But by age 50, the cost for male drivers is $1,614 and the female rate is $1,574, a difference of only $40.
- The higher deductible you choose, the lower the policy cost. Increasing your deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
- Lowering deductibles makes car insurance more expensive. Lowering your policy deductibles from $500 to $250 could cost an additional $388 per year for a 40-year-old driver and $1,814 per year for a 20-year-old driver.
- Get cheaper rates because of your profession. Some car insurance providers offer discounts for being employed in occupations like architects, emergency medical technicians, police officers and law enforcement, scientists, accountants, college professors, and others. If you can earn this discount, you could potentially save between $55 and $177 on your annual car insurance bill, depending on your age.
- High-risk car insurance can get expensive. For a 40-year-old driver, being required to buy a high-risk insurance policy can cause a rate increase of $2,210 or more per year.