North Carolina Car Insurance Cost for 2023

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 $1,142 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.

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Chart Data Details: Chart shows average North Carolina car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all North Carolina zip codes.Data last updated on August 11, 2023
Average Car Insurance Cost in North Carolina
Average Car Insurance Cost in North Carolina
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$1,922$160
$500$2,270$189
$250$2,636$220
30$1,000$1,008$84
$500$1,204$100
$250$1,404$117
40$1,000$964$80
$500$1,142$95
$250$1,328$111
50$1,000$880$73
$500$1,038$87
$250$1,206$101
60$1,000$864$72
$500$1,020$85
$250$1,186$99

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.

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North Carolina Car Insurance Cost Compared to Southeast Region
Average Car Insurance Cost in North Carolina Compared to Southeast Region
Southeast Region States Average Insurance Cost Annual Difference
North Carolina$1,142--
Virginia$1,210$68
South Carolina$1,518$376
West Virginia$1,612$470
Alabama$1,628$486
Tennessee$1,718$576
Mississippi$1,760$618
Georgia$1,840$698
Arkansas$1,886$744
Kentucky$1,928$786
Louisiana$2,134$992
Florida$2,226$1,084

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average North Carolina car insurance cost by segment is based on 2023 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all North Carolina Zip Codes.Data last updated on August 12, 2023
North Carolina Car Insurance Rates by Vehicle Segment
North Carolina Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,038$87
Midsize Pickup$1,076$90
Midsize SUV$1,112$93
Minivan$1,118$93
Compact Car$1,136$95
Midsize Car$1,162$97
Compact Luxury SUV$1,234$103
Half-ton Pickup$1,240$103
Large SUV$1,248$104
Compact Luxury Car$1,254$105
Heavy Duty Pickup$1,312$109
Large Car$1,326$111
Midsize Luxury SUV$1,326$111
Midsize Luxury Car$1,452$121
Sports Car$1,560$130
Large Luxury SUV$1,678$140
Large Luxury Car$1,764$147

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 insuranceSubaru Impreza at $944 per year or $79 per month
  • Cheapest compact SUV insuranceChevrolet Trailblazer at $862 per year or $72 per month
  • Cheapest midsize car insuranceSubaru Legacy at $1,048 per year or $87 per month
  • Cheapest midsize SUV insuranceHonda Passport at $888 per year or $74 per month
  • Cheapest full-size car insuranceChrysler 300 at $1,112 per year or $93 per month
  • Cheapest full-size SUV insuranceChevrolet Tahoe at $1,068 per year or $89 per month
  • Cheapest midsize pickup insuranceFord Maverick at $948 per year or $79 per month
  • Cheapest full-size pickup insuranceNissan Titan at $1,130 per year or $94 per month
  • Cheapest heavy duty pickup insuranceGMC Sierra 2500 HD at $1,168 per year or $97 per month
  • Cheapest minivan insuranceHonda Odyssey at $1,040 per year or $87 per month
  • Cheapest sports car insuranceMazda MX-5 Miata at $1,054 per year or $88 per month
  • Cheapest compact luxury car insuranceAcura Integra at $1,024 per year or $85 per month
  • Cheapest compact luxury SUV insuranceAcura RDX at $952 per year or $79 per month
  • Cheapest midsize luxury car insuranceCadillac CT5 at $1,228 per year or $102 per month
  • Cheapest midsize luxury SUV insuranceLexus RX 350 at $1,022 per year or $85 per month
  • Cheapest full-size luxury car insuranceAudi A5 at $1,278 per year or $107 per month
  • Cheapest full-size luxury SUV insuranceVolvo 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.

Top 30 Cheapest Vehicles to Insure in North Carolina
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$862$72
2Subaru Crosstrek$870$73
3Nissan Kicks$872$73
4Honda Passport$888$74
5Nissan Rogue Sport$888$74
6Mazda CX-5$896$75
7Buick Encore$908$76
8Buick Envision$912$76
9Kia Seltos$922$77
10Subaru Ascent$928$77
11Hyundai Venue$930$78
12Subaru Impreza$944$79
13Honda HR-V$946$79
14Ford Maverick$948$79
15Chevrolet Colorado$950$79
16Acura RDX$952$79
17Hyundai Kona$956$80
18Subaru Forester$962$80
19Ford Edge$966$81
20Honda CR-V$966$81
21Mazda CX-30$970$81
22Ford Explorer$972$81
23Volkswagen Atlas$974$81
24Chevrolet Trax$978$82
25Nissan Murano$980$82
26Subaru Outback$982$82
27Nissan Frontier$986$82
28Volkswagen Tiguan$988$82
29Ford Bronco Sport$992$83
30Fiat 500X$1,012$84

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in North Carolina.Data last updated on August 12, 2023
    Top 30 Cheapest Vehicles to Insure in North Carolina

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on August 11, 2023
    Nissan Rogue Insurance Cost in North Carolina
    2023 Nissan Rogue Insurance Cost in North Carolina
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,380$198
    Safe Driver Age 20$2,084$174
    At-fault Accidents Age 40$1,484$124
    Low Deductibles Age 40$1,352$113
    Safe Driver Age 30$1,100$92
    Safe Driver Age 40$1,050$88
    Safe Driver Age 50$954$80
    Safe Driver Age 60$938$78
    High Deductibles Age 40$894$75
    Discount Rate Age 40$874$73

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on August 11, 2023
    Toyota Tacoma Insurance Cost in North Carolina
    2023 Toyota Tacoma Insurance Cost in North Carolina
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,362$197
    Safe Driver Age 20$2,070$173
    At-fault Accidents Age 40$1,470$123
    Low Deductibles Age 40$1,352$113
    Safe Driver Age 30$1,098$92
    Safe Driver Age 40$1,044$87
    Safe Driver Age 50$950$79
    Safe Driver Age 60$934$78
    High Deductibles Age 40$882$74
    Discount Rate Age 40$866$72

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on August 12, 2023
    Honda Civic Insurance Cost in North Carolina
    2023 Honda Civic Insurance Cost in North Carolina
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,520$210
    Safe Driver Age 20$2,208$184
    At-fault Accidents Age 40$1,576$131
    Low Deductibles Age 40$1,442$120
    Safe Driver Age 30$1,176$98
    Safe Driver Age 40$1,118$93
    Safe Driver Age 50$1,016$85
    Safe Driver Age 60$996$83
    High Deductibles Age 40$950$79
    Discount Rate Age 40$928$77

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on August 12, 2023
    Ford Explorer Insurance Cost in North Carolina
    2023 Ford Explorer Insurance Cost in North Carolina
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,184$182
    Safe Driver Age 20$1,914$160
    At-fault Accidents Age 40$1,348$112
    Low Deductibles Age 40$1,302$109
    Safe Driver Age 30$1,034$86
    Safe Driver Age 40$972$81
    Safe Driver Age 50$884$74
    Safe Driver Age 60$870$73
    Discount Rate Age 40$808$67
    High Deductibles Age 40$802$67

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 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. Physical damage 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.Data last updated on August 12, 2023
    Ford F150 Insurance Cost in North Carolina
    2023 Ford F150 Insurance Cost in North Carolina
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,612$218
    Safe Driver Age 20$2,290$191
    At-fault Accidents Age 40$1,630$136
    Low Deductibles Age 40$1,510$126
    Safe Driver Age 30$1,220$102
    Safe Driver Age 40$1,160$97
    Safe Driver Age 50$1,056$88
    Safe Driver Age 60$1,034$86
    High Deductibles Age 40$980$82
    Discount Rate Age 40$964$80

    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 $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.