- Average car insurance cost in North Carolina is $1,100 per year, or around $92 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 $1,100 per year, which is 42% less than the overall national average rate of $1,685.
Average car insurance cost per month in North Carolina costs around $92 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 $1,118 per year, the Toyota Camry at $1,048, the Chevrolet Silverado at $1,204, the Jeep Grand Cherokee at $1,170, and the Honda CR-V at $934 per year.
High end models like the Lexus GX 460, the Volvo XC60, and the Acura Integra cost an average of $1,172, $1,126, and $990 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 $832 per year for a 60-year-old driver with $1,000 deductibles to $2,546 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 $69 to $212 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 $2,778 per year for a 19-year-old female driver up to $3,948 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 $3,282 to $3,690 per year for 17-year-olds and from $2,992 to $3,448 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 35.3% less than West Virginia, 6.5% less than Virginia, 29.5% less than South Carolina, 41.6% less than Tennessee, and 48.4% less than Georgia.
When compared to states in other parts of the country, the average cost of car insurance in North Carolina is 3.5% more expensive than Maine, 33.7% cheaper than Illinois, 66.5% cheaper than Florida, 52.9% cheaper than Colorado, and 39.9% 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 $1,020 per year. This amount is:
- $350 per year cheaper than insuring the same vehicle in South Carolina ($1,370)
- $648 per year cheaper than in Georgia ($1,668)
- $450 per year cheaper than in Alabama ($1,470)
- $574 per year cheaper than in Mississippi ($1,594)
- $534 per year cheaper than in Tennessee ($1,554)
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 $834 and $840 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 $910 per year or $76 per month
- Cheapest compact SUV insurance – Chevrolet Trailblazer at $834 per year or $70 per month
- Cheapest midsize car insurance – Subaru Legacy at $1,014 per year or $85 per month
- Cheapest midsize SUV insurance – Honda Passport at $856 per year or $71 per month
- Cheapest full-size car insurance – Chrysler 300 at $1,074 per year or $90 per month
- Cheapest full-size SUV insurance – Chevrolet Tahoe at $1,032 per year or $86 per month
- Cheapest midsize pickup insurance – Ford Maverick at $914 per year or $76 per month
- Cheapest full-size pickup insurance – Nissan Titan at $1,090 per year or $91 per month
- Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $1,128 per year or $94 per month
- Cheapest minivan insurance – Honda Odyssey at $1,006 per year or $84 per month
- Cheapest sports car insurance – Mazda MX-5 Miata at $1,018 per year or $85 per month
- Cheapest compact luxury car insurance – Acura Integra at $990 per year or $83 per month
- Cheapest compact luxury SUV insurance – Acura RDX at $920 per year or $77 per month
- Cheapest midsize luxury car insurance – Cadillac CT5 at $1,184 per year or $99 per month
- Cheapest midsize luxury SUV insurance – Lexus RX 350 at $986 per year or $82 per month
- Cheapest full-size luxury car insurance – Audi A5 at $1,236 per year or $103 per month
- Cheapest full-size luxury SUV insurance – Volvo XC90 at $1,136 per year or $95 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 | $834 | $70 |
| 2 | Subaru Crosstrek | $840 | $70 |
| 3 | Nissan Kicks | $846 | $71 |
| 4 | Honda Passport | $856 | $71 |
| 5 | Nissan Rogue Sport | $860 | $72 |
| 6 | Mazda CX-5 | $866 | $72 |
| 7 | Buick Encore | $878 | $73 |
| 8 | Buick Envision | $880 | $73 |
| 9 | Kia Seltos | $894 | $75 |
| 10 | Subaru Ascent | $896 | $75 |
| 11 | Hyundai Venue | $898 | $75 |
| 12 | Subaru Impreza | $910 | $76 |
| 13 | Ford Maverick | $914 | $76 |
| 14 | Chevrolet Colorado | $916 | $76 |
| 15 | Honda HR-V | $916 | $76 |
| 16 | Acura RDX | $920 | $77 |
| 17 | Hyundai Kona | $924 | $77 |
| 18 | Subaru Forester | $930 | $78 |
| 19 | Ford Edge | $934 | $78 |
| 20 | Honda CR-V | $934 | $78 |
| 21 | Mazda CX-30 | $936 | $78 |
| 22 | Ford Explorer | $938 | $78 |
| 23 | Volkswagen Atlas | $940 | $78 |
| 24 | Nissan Murano | $946 | $79 |
| 25 | Chevrolet Trax | $948 | $79 |
| 26 | Subaru Outback | $948 | $79 |
| 27 | Nissan Frontier | $952 | $79 |
| 28 | Volkswagen Tiguan | $956 | $80 |
| 29 | Ford Bronco Sport | $960 | $80 |
| 30 | Fiat 500X | $976 | $81 |
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 $1,014 per year and ranges from $840 to $2,300 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 $836 to $2,282 per year for the driver profiles in the chart below. Tacoma insurance costs an average of $1,006 per year or $84 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 $896 to $2,434 per year for the example driver risk profiles, with average cost being $1,078 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 $780 to $2,112 per year, with the average cost being $938.
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 $1,118 per year. The chart below shows rates for additional driver profiles and prices range from $930 to $2,528 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 - $1,250 per year or $104 per month
- Raleigh Car Insurance - $1,106 per year or $92 per month
- Greensboro Car Insurance - $1,088 per year or $91 per month
- Winston Salem Car Insurance - $990 per year or $83 per month
- Durham Car Insurance - $1,092 per year or $91 per month
- Fayetteville Car Insurance - $1,326 per year or $111 per month
- Cary Car Insurance - $998 per year or $83 per month
- Wilmington Car Insurance - $1,116 per year or $93 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 $3,948 per year for a 16-year-old driver, $3,690 per year for a 17-year-old driver, $3,448 per year for an 18-year-old driver, and $3,124 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 $173 per year compared to a good credit rating of 670-739. Conversely, a mediocre credit score could cost as much as $200 more per year.
- Gender affects car insurance rates. For the average 2023 model year vehicle, a 20-year-old male driver pays an estimated $2,192 per year, while a 20-year-old female will pay an average of $1,626, a difference of $566 per year. The females get the cheaper rate by far. But by age 50, the cost for male drivers is $1,002 and the female rate is $984, 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 $276 per year for a 40-year-old driver and $538 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 $288 per year for a 40-year-old driver and $1,884 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 $33 and $111 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 $1,328 or more per year.
