- Average car insurance cost in North Carolina is $1,142 per year, or around $95 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 $1,142 per year, which is 40.8% less than the overall national average rate of $1,728.
Average car insurance cost per month in North Carolina costs around $95 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 $1,160 per year, the Toyota Camry at $1,084, the Chevrolet Silverado at $1,250, the Jeep Grand Cherokee at $1,212, and the Honda CR-V at $966 per year.
High end models like the Lexus GX 460, the Volvo XC60, and the Acura Integra cost an average of $1,214, $1,166, and $1,024 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 2023 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 $864 per year for a 60-year-old driver with $1,000 deductibles to $2,636 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 $72 to $220 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 $2,876 per year for a 19-year-old female driver up to $4,086 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 $3,398 to $3,822 per year for 17-year-olds and from $3,096 to $3,570 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 34.1% less than West Virginia, 5.8% less than Virginia, 28.3% less than South Carolina, 40.3% less than Tennessee, and 46.8% less than Georgia.
When compared to states in other parts of the country, the average cost of car insurance in North Carolina is 3.7% more expensive than Maine, 32.6% cheaper than Illinois, 64.4% cheaper than Florida, 51.3% cheaper than Colorado, and 38.4% 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 2023 Toyota RAV4 in North Carolina is $1,056 per year. This amount is:
- $346 per year cheaper than insuring the same vehicle in South Carolina ($1,402)
- $650 per year cheaper than in Georgia ($1,706)
- $448 per year cheaper than in Alabama ($1,504)
- $576 per year cheaper than in Mississippi ($1,632)
- $536 per year cheaper than in Tennessee ($1,592)
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 Chevrolet Trailblazer and Subaru Crosstrek have the cheapest car insurance rates in North Carolina. They cost an average of $862 and $870 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 – Subaru Impreza at $944 per year or $79 per month
- Cheapest compact SUV insurance – Chevrolet Trailblazer at $862 per year or $72 per month
- Cheapest midsize car insurance – Subaru Legacy at $1,048 per year or $87 per month
- Cheapest midsize SUV insurance – Honda Passport at $888 per year or $74 per month
- Cheapest full-size car insurance – Chrysler 300 at $1,112 per year or $93 per month
- Cheapest full-size SUV insurance – Chevrolet Tahoe at $1,068 per year or $89 per month
- Cheapest midsize pickup insurance – Ford Maverick at $948 per year or $79 per month
- Cheapest full-size pickup insurance – Nissan Titan at $1,130 per year or $94 per month
- Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $1,168 per year or $97 per month
- Cheapest minivan insurance – Honda Odyssey at $1,040 per year or $87 per month
- Cheapest sports car insurance – Mazda MX-5 Miata at $1,054 per year or $88 per month
- Cheapest compact luxury car insurance – Acura Integra at $1,024 per year or $85 per month
- Cheapest compact luxury SUV insurance – Acura RDX at $952 per year or $79 per month
- Cheapest midsize luxury car insurance – Cadillac CT5 at $1,228 per year or $102 per month
- Cheapest midsize luxury SUV insurance – Lexus RX 350 at $1,022 per year or $85 per month
- Cheapest full-size luxury car insurance – Audi A5 at $1,278 per year or $107 per month
- Cheapest full-size luxury SUV insurance – Volvo XC90 at $1,176 per year or $98 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 2023 model year.
| Rank | Make/Model | Annual Cost | Monthly Cost |
|---|---|---|---|
| 1 | Chevrolet Trailblazer | $862 | $72 |
| 2 | Subaru Crosstrek | $870 | $73 |
| 3 | Nissan Kicks | $872 | $73 |
| 4 | Honda Passport | $888 | $74 |
| 5 | Nissan Rogue Sport | $888 | $74 |
| 6 | Mazda CX-5 | $896 | $75 |
| 7 | Buick Encore | $908 | $76 |
| 8 | Buick Envision | $912 | $76 |
| 9 | Kia Seltos | $922 | $77 |
| 10 | Subaru Ascent | $928 | $77 |
| 11 | Hyundai Venue | $930 | $78 |
| 12 | Subaru Impreza | $944 | $79 |
| 13 | Honda HR-V | $946 | $79 |
| 14 | Ford Maverick | $948 | $79 |
| 15 | Chevrolet Colorado | $950 | $79 |
| 16 | Acura RDX | $952 | $79 |
| 17 | Hyundai Kona | $956 | $80 |
| 18 | Subaru Forester | $962 | $80 |
| 19 | Ford Edge | $966 | $81 |
| 20 | Honda CR-V | $966 | $81 |
| 21 | Mazda CX-30 | $970 | $81 |
| 22 | Ford Explorer | $972 | $81 |
| 23 | Volkswagen Atlas | $974 | $81 |
| 24 | Chevrolet Trax | $978 | $82 |
| 25 | Nissan Murano | $980 | $82 |
| 26 | Subaru Outback | $982 | $82 |
| 27 | Nissan Frontier | $986 | $82 |
| 28 | Volkswagen Tiguan | $988 | $82 |
| 29 | Ford Bronco Sport | $992 | $83 |
| 30 | Fiat 500X | $1,012 | $84 |
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 $1,050 per year and ranges from $874 to $2,380 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 $866 to $2,362 per year for the driver profiles in the chart below. Tacoma insurance costs an average of $1,044 per year or $87 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 $928 to $2,520 per year for the example driver risk profiles, with average cost being $1,118 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 $808 to $2,184 per year, with the average cost being $972.
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 $1,160 per year. The chart below shows rates for additional driver profiles and prices range from $964 to $2,612 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 - $1,290 per year or $108 per month
- Raleigh Car Insurance - $1,142 per year or $95 per month
- Greensboro Car Insurance - $1,124 per year or $94 per month
- Winston Salem Car Insurance - $1,028 per year or $86 per month
- Durham Car Insurance - $1,132 per year or $94 per month
- Fayetteville Car Insurance - $1,366 per year or $114 per month
- Cary Car Insurance - $1,038 per year or $87 per month
- Wilmington Car Insurance - $1,150 per year or $96 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 $4,086 per year for a 16-year-old driver, $3,822 per year for a 17-year-old driver, $3,570 per year for an 18-year-old driver, and $3,232 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 $179 per year compared to a good credit rating of 670-739. Conversely, a mediocre credit score could cost as much as $208 more per year.
- Gender affects car insurance rates. For the average 2023 model year vehicle, a 20-year-old male driver pays an estimated $2,270 per year, while a 20-year-old female will pay an average of $1,682, a difference of $588 per year. The females get the cheaper rate by far. But by age 50, the cost for male drivers is $1,038 and the female rate is $1,020, a difference of only $18.
- The higher deductible you choose, the lower the policy cost. Increasing your deductibles from $500 to $1,000 could save around $284 per year for a 40-year-old driver and $552 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 $294 per year for a 40-year-old driver and $1,916 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 $34 and $115 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 $1,370 or more per year.