North Carolina Car Insurance Cost for 2025

How much does car insurance cost in North Carolina? We compare rates by vehicle segment to find the models with the cheapest car insurance rates in North Carolina.

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How much is car insurance in North Carolina?

Average car insurance cost in North Carolina is $1,866 per year, which is 19.8% less than the overall national average rate of $2,276.

Average car insurance cost per month in North Carolina costs around $156 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 $2,090 per year, the Toyota Camry at $2,006, the Chevrolet Silverado at $2,064, the Jeep Grand Cherokee at $1,866, and the Honda CR-V at $1,590 per year.

High end models like the Lexus GX 460, the Volvo XC60, and the Acura Integra cost an average of $1,992, $1,886, and $1,658 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.

Average full-coverage car insurance premium in North Carolina for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in North Carolina for different ages of drivers. Rates updated on October 24, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all North Carolina Zip Codes.

Average Car Insurance Cost in North Carolina
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$3,174$265
$500$3,752$313
$250$4,364$364
30$1,000$1,668$139
$500$1,988$166
$250$2,324$194
40$1,000$1,568$131
$500$1,866$156
$250$2,174$181
50$1,000$1,396$116
$500$1,654$138
$250$1,918$160
60$1,000$1,308$109
$500$1,548$129
$250$1,796$150

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 North Carolina Zip Codes. Updated October 24, 2025

North Carolina car insurance rates in the chart above range from $1,308 per year for a 60-year-old driver with $1,000 deductibles to $4,364 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 $109 to $364 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 $4,443 per year for a 19-year-old female driver up to $6,646 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 $6,170 to $6,436 per year for 17-year-olds and from $5,325 to $5,769 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% less than West Virginia, 3.6% less than Virginia, 18.1% less than South Carolina, 26.3% less than Tennessee, and 31.2% less than Georgia.

When compared to states in other parts of the country, the average cost of car insurance in North Carolina is 2.2% more expensive than Maine, 21% cheaper than Illinois, 39.8% cheaper than Florida, 34.5% cheaper than Colorado, and 25.2% 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 $1,722 per year. This amount is:

  • $340 per year cheaper than insuring the same vehicle in South Carolina ($2,062)
  • $636 per year cheaper than in Georgia ($2,358)
  • $440 per year cheaper than in Alabama ($2,162)
  • $562 per year cheaper than in Mississippi ($2,284)
  • $522 per year cheaper than in Tennessee ($2,244)

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.

Average cost of car insurance in North Carolina compared to other Southeast region states.
Figure 2: Average cost of car insurance in North Carolina compared to other Southeast region states. Rates updated on October 24, 2025.
Average Car Insurance Cost in North Carolina Compared to Southeast Region
Southeast Region States Average Annual Premium Cost Difference
North Carolina$1,866--
Virginia$1,934$68
South Carolina$2,238$372
West Virginia$2,328$462
Alabama$2,344$478
Tennessee$2,432$566
Mississippi$2,476$610
Georgia$2,556$690
Arkansas$2,600$734
Kentucky$2,644$778
Louisiana$2,696$830
Florida$2,792$926

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 2024 model year vehicles and also for all North Carolina Zip Codes. Updated October 24, 2025

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.

Car insurance average cost by automotive segment in North Carolina.
Figure 3: Car insurance average cost by automotive segment in North Carolina. Rates updated on October 24, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all North Carolina Zip Codes.

Car Insurance Rates by Automotive Segment in North Carolina
Automotive Segment Annual Premium Cost Per Month
Compact SUV$1,714$143
Midsize SUV$1,842$154
Compact Car$1,844$154
Minivan$1,846$154
Midsize Pickup$1,884$157
Midsize Car$1,902$159
Compact Luxury SUV$2,022$169
Compact Luxury Car$2,052$171
Large SUV$2,058$172
Half-ton Pickup$2,070$173
Heavy Duty Pickup$2,146$179
Midsize Luxury SUV$2,216$185
Midsize Luxury Car$2,288$191
Sports Car$2,564$214
Large Car$2,682$224
Large Luxury SUV$2,888$241
Large Luxury Car$2,984$249

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 2024 model year vehicles and also for all North Carolina Zip Codes. Updated October 24, 2025

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 $1,378 and $1,402 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 insuranceToyota GR Corolla at $1,622 per year or $135 per month
  • Cheapest compact SUV insuranceSubaru Crosstrek at $1,378 per year or $115 per month
  • Cheapest midsize car insuranceKia K5 at $1,798 per year or $150 per month
  • Cheapest midsize SUV insuranceHonda Passport at $1,486 per year or $124 per month
  • Cheapest full-size car insuranceChrysler 300 at $1,776 per year or $148 per month
  • Cheapest full-size SUV insuranceChevrolet Tahoe at $1,752 per year or $146 per month
  • Cheapest midsize pickup insuranceChevrolet Colorado at $1,644 per year or $137 per month
  • Cheapest full-size pickup insuranceNissan Titan at $1,744 per year or $145 per month
  • Cheapest heavy duty pickup insuranceGMC Sierra 2500 HD at $1,896 per year or $158 per month
  • Cheapest minivan insuranceHonda Odyssey at $1,704 per year or $142 per month
  • Cheapest sports car insuranceMazda MX-5 Miata at $1,726 per year or $144 per month
  • Cheapest compact luxury car insuranceAcura Integra at $1,658 per year or $138 per month
  • Cheapest compact luxury SUV insuranceAcura RDX at $1,562 per year or $130 per month
  • Cheapest midsize luxury car insuranceMercedes-Benz CLA250 at $1,920 per year or $160 per month
  • Cheapest midsize luxury SUV insuranceJaguar E-Pace at $1,746 per year or $146 per month
  • Cheapest full-size luxury car insuranceAudi A5 at $2,216 per year or $185 per month
  • Cheapest full-size luxury SUV insuranceInfiniti QX80 at $2,092 per year or $174 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.

Top 30 Cheapest Vehicles to Insure in North Carolina
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,378$115
2Chevrolet Trailblazer$1,402$117
3Kia Soul$1,456$121
4Nissan Kicks$1,470$123
5Honda Passport$1,486$124
6Buick Envision$1,494$125
7Toyota Corolla Cross$1,504$125
8Hyundai Venue$1,516$126
9Mazda CX-5$1,522$127
10Ford Bronco Sport$1,526$127
11Volkswagen Tiguan$1,544$129
12Acura RDX$1,562$130
13Nissan Murano$1,566$131
14Buick Encore$1,584$132
15Honda CR-V$1,590$133
16Subaru Outback$1,590$133
17Buick Envista$1,596$133
18Volkswagen Taos$1,600$133
19Kia Niro$1,606$134
20Toyota GR Corolla$1,622$135
21Subaru Ascent$1,624$135
22Honda HR-V$1,626$136
23Nissan Leaf$1,636$136
24Chevrolet Colorado$1,644$137
25Honda Civic$1,652$138
26Lexus NX 250$1,652$138
27Volkswagen Atlas$1,656$138
28Acura Integra$1,658$138
29Subaru Forester$1,660$138
30Volkswagen Atlas Cross Sport$1,664$139

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 October 24, 2025

Top 30 cheapest vehicles to insure in North Carolina with the Subaru Crosstrek ranking first at $1,378 per year
Top 30 cheapest vehicles to insure in North Carolina with the Subaru Crosstrek ranking first at $1,378 per year

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 $1,676 per year and ranges from $1,394 to $3,832 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.

Average 2024 Nissan Rogue insurance premiums in North Carolina for different driver ages and risk scenarios.
Figure 4: Average 2024 Nissan Rogue insurance premiums in North Carolina for different driver ages and risk scenarios. Rates updated on October 24, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Rogue with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Rogue car insurance cost in North Carolina includes all Zip Codes and vehicle trim levels.

2024 Nissan Rogue Insurance Cost in North Carolina
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$3,832$319
Safe Driver Age 20$3,344$279
At-fault Accidents Age 40$2,372$198
Low Deductibles Age 40$2,156$180
Safe Driver Age 30$1,784$149
Safe Driver Age 40$1,676$140
Safe Driver Age 50$1,492$124
High Deductibles Age 40$1,428$119
Safe Driver Age 60$1,394$116
Discount Rate Age 40$1,394$116

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Rogue trim levels. Updated October 24, 2025

Toyota Tacoma insurance rates

Toyota Tacoma car insurance rates in North Carolina range from $1,564 to $4,374 per year for the driver profiles in the chart below. Tacoma insurance costs an average of $1,888 per year or $157 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.

Average 2024 Toyota Tacoma insurance premiums in North Carolina for different driver ages and risk scenarios.
Figure 5: Average 2024 Toyota Tacoma insurance premiums in North Carolina for different driver ages and risk scenarios. Rates updated on October 24, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Tacoma with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Tacoma car insurance cost in North Carolina includes all Zip Codes and vehicle trim levels.

2024 Toyota Tacoma Insurance Cost in North Carolina
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,374$365
Safe Driver Age 20$3,822$319
At-fault Accidents Age 40$2,698$225
Low Deductibles Age 40$2,430$203
Safe Driver Age 30$2,010$168
Safe Driver Age 40$1,888$157
Safe Driver Age 50$1,682$140
High Deductibles Age 40$1,612$134
Safe Driver Age 60$1,574$131
Discount Rate Age 40$1,564$130

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Tacoma trim levels. Updated October 24, 2025

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 $1,374 to $3,750 per year for the example driver risk profiles, with average cost being $1,652 per year.

The Honda Civic is a compact car and other similar models include the Toyota Corolla, Nissan Sentra, Hyundai Elantra, and Volkswagen Jetta.

Average 2024 Honda Civic insurance premiums in North Carolina for different driver ages and risk scenarios.
Figure 6: Average 2024 Honda Civic insurance premiums in North Carolina for different driver ages and risk scenarios. Rates updated on October 24, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Civic with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Civic car insurance cost in North Carolina includes all Zip Codes and vehicle trim levels.

2024 Honda Civic Insurance Cost in North Carolina
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$3,750$313
Safe Driver Age 20$3,274$273
At-fault Accidents Age 40$2,316$193
Low Deductibles Age 40$2,166$181
Safe Driver Age 30$1,764$147
Safe Driver Age 40$1,652$138
Safe Driver Age 50$1,466$122
High Deductibles Age 40$1,384$115
Discount Rate Age 40$1,374$115
Safe Driver Age 60$1,370$114

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Civic trim levels. Updated October 24, 2025

Ford Explorer insurance rates

Average Ford Explorer insurance rates in North Carolina as shown in the chart below range from $1,408 to $3,900 per year, with the average cost being $1,692.

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.

Average 2024 Ford Explorer insurance premiums in North Carolina for different driver ages and risk scenarios.
Figure 7: Average 2024 Ford Explorer insurance premiums in North Carolina for different driver ages and risk scenarios. Rates updated on October 24, 2025.

Data Methodology: Average rates are for a 2024 model year Ford Explorer with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford Explorer car insurance cost in North Carolina includes all Zip Codes and vehicle trim levels.

2024 Ford Explorer Insurance Cost in North Carolina
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$3,900$325
Safe Driver Age 20$3,416$285
At-fault Accidents Age 40$2,394$200
Low Deductibles Age 40$2,222$185
Safe Driver Age 30$1,808$151
Safe Driver Age 40$1,692$141
Safe Driver Age 50$1,500$125
High Deductibles Age 40$1,420$118
Discount Rate Age 40$1,408$117
Safe Driver Age 60$1,404$117

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford Explorer trim levels. Updated October 24, 2025

Ford F150 insurance rates

The average cost for Ford F150 insurance in North Carolina is $2,090 per year. The chart below shows rates for additional driver profiles and prices range from $1,732 to $4,820 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 2024 Ford F150 insurance premiums in North Carolina for different driver ages and risk scenarios.
Figure 8: Average 2024 Ford F150 insurance premiums in North Carolina for different driver ages and risk scenarios. Rates updated on October 24, 2025.

Data Methodology: Average rates are for a 2024 model year Ford F150 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford F150 car insurance cost in North Carolina includes all Zip Codes and vehicle trim levels.

2024 Ford F150 Insurance Cost in North Carolina
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,820$402
Safe Driver Age 20$4,222$352
At-fault Accidents Age 40$2,960$247
Low Deductibles Age 40$2,736$228
Safe Driver Age 30$2,228$186
Safe Driver Age 40$2,090$174
Safe Driver Age 50$1,848$154
High Deductibles Age 40$1,756$146
Discount Rate Age 40$1,732$144
Safe Driver Age 60$1,730$144

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford F150 trim levels. Updated October 24, 2025

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.

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 $6,646 per year for a 16-year-old driver, $6,436 per year for a 17-year-old driver, $5,769 per year for an 18-year-old driver, and $5,255 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 $293 per year compared to a good credit rating of 670-739. Conversely, a mediocre credit score could cost as much as $340 more per year.
  • Gender affects car insurance rates. For the average 2024 model year vehicle, a 20-year-old male driver pays an estimated $3,752 per year, while a 20-year-old female will pay an average of $2,694, a difference of $1,058 per year. The females get the cheaper rate by far. But by age 50, the cost for male drivers is $1,654 and the female rate is $1,612, a difference of only $42.
  • The higher deductible you choose, the lower the policy cost. Increasing your deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 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 $396 per year for a 40-year-old driver and $1,864 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 $56 and $181 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 $2,264 or more per year.