North Carolina Car Insurance Cost for 2021

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 $1,032 per year, which is 32.2% less than the overall national average rate of $1,523.

Average car insurance cost per month in North Carolina costs around $86 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 $984 per year, the Toyota Camry at $1,032, the Chevrolet Silverado at $1,076, the Jeep Grand Cherokee at $1,126, and the Honda CR-V at $776 per year.

High end models like the Lexus GX 460, the Volvo XC60, and the Acura ILX cost an average of $1,124, $988, and $964 per year, respectively, for full-coverage car insurance. Luxury models generally cost a little more to insure each month due to their higher replacement cost values.

The chart below shows average car insurance cost in North Carolina for all 2021 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 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all North Carolina zip codes.
Average Car Insurance Cost in North Carolina
Average Car Insurance Cost in North Carolina
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$1,740$145
$500$2,050$171
$250$2,380$198
30$1,000$910$76
$500$1,086$91
$250$1,268$106
40$1,000$872$73
$500$1,032$86
$250$1,198$100
50$1,000$796$66
$500$940$78
$250$1,090$91
60$1,000$782$65
$500$924$77
$250$1,070$89

North Carolina car insurance rates in the chart above range from $782 per year for a 60-year-old driver with $1,000 deductibles to $2,380 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 $65 to $198 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 $2,600 per year for a 19-year-old female driver up to $3,700 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 $3,074 to $3,456 per year for 17-year-olds and from $2,802 to $3,230 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 23.3% less than West Virginia, 6% more than Virginia, 26.6% less than South Carolina, 17.7% less than Tennessee, and 51.7% less than Georgia.

When compared to states in other parts of the country, the average cost of car insurance in North Carolina is 7.5% more expensive than Maine, 4.3% cheaper than Illinois, 49.6% cheaper than Florida, 36.3% cheaper than Colorado, and 23.1% 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 Camry as the rated vehicle with a 40-year-old male as the rated driver.

Average car insurance cost on a 2021 Toyota Camry in North Carolina is $1,032 per year. This amount is:

  • $376 per year cheaper than insuring the same vehicle in South Carolina ($1,408)
  • $536 per year cheaper than in Georgia ($1,568)
  • $240 per year cheaper than in Alabama ($1,272)
  • $320 per year cheaper than in Mississippi ($1,352)
  • $224 per year cheaper than in Tennessee ($1,256)

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 second out of 12 states in the Southeast region for cheapest car insurance rates, and ranks sixth out of all 50 states for car insurance affordability. Only the states of Maine, Virginia, Iowa, Idaho, and Ohio have cheaper average car insurance rates than North Carolina.

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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
Virginia$974-$58
North Carolina$1,032--
Tennessee$1,254$222
Alabama$1,272$240
West Virginia$1,346$314
Mississippi$1,352$320
South Carolina$1,406$374
Arkansas$1,454$422
Georgia$1,566$534
Kentucky$1,716$684
Florida$2,046$1,014
Louisiana$2,244$1,212

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 sports cars that range from about $1,600 to $2,120 per year.

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Chart Data Details: Average North Carolina car insurance cost by segment is based on 2021 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.
North Carolina Car Insurance Rates by Vehicle Segment
North Carolina Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Small SUV$928$77
Midsize Truck$936$78
Large Van$940$78
Midsize Minivan$958$80
Midsize SUV$1,002$84
Midsize Van$1,014$85
Small Car$1,036$86
Large Truck$1,042$87
Midsize Car$1,058$88
Large SUV$1,066$89
Small Luxury SUV$1,084$90
Large Car$1,122$94
Heavy Duty Truck$1,158$97
Midsize Luxury SUV$1,162$97
Small Luxury Car$1,198$100
Midsize Luxury Car$1,366$114
Large Luxury SUV$1,392$116
Sports Car$1,506$126
Large Luxury Car$1,590$133
Exotic Car$2,118$177

Which vehicles have cheap car insurance in North Carolina?

When all vehicle segments are compared, the Subaru Forester and Honda CR-V have the cheapest car insurance rates in North Carolina. They cost an average of $768 and $776 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.

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 2021 model year.

Top 30 Cheapest Vehicles to Insure in North Carolina
Rank Make/Model Annual Cost Monthly Cost
1Subaru Forester$768$64
2Honda CR-V$776$65
3Ram Promaster City$806$67
4Mazda CX-3$812$68
5Kia Sportage$818$68
6Toyota C-HR$818$68
7Ford Edge$820$68
8Volkswagen Golf$824$69
9Mazda CX-5$832$69
10Subaru Crosstrek$842$70
11Chevrolet Spark$850$71
12Volvo XC40$852$71
13Hyundai Venue$856$71
14Volkswagen Atlas$864$72
15Subaru Impreza$866$72
16Kia Soul$868$72
17Hyundai Kona$870$73
18Toyota Tacoma$870$73
19Kia Telluride$872$73
20Chevrolet Blazer$874$73
21Kia Sedona$874$73
22Chevrolet Colorado$876$73
23Jeep Compass$876$73
24Kia Rio5$876$73
25Subaru Outback$876$73
26Honda Passport$878$73
27Mazda CX-30$878$73
28Nissan Kicks$878$73
29Mitsubishi Eclipse Cross$880$73
30Subaru Ascent$880$73

    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.
    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 $930 per year and ranges from $772 to $2,102 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.

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    Chart Data Details: Average rates are for a 2021 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.
    Nissan Rogue Insurance Cost in North Carolina
    Nissan Rogue Insurance Cost in North Carolina
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,102$175
    Safe Driver Age 20$1,842$154
    At-fault Accidents Age 40$1,308$109
    Low Deductibles Age 40$1,208$101
    Safe Driver Age 30$978$82
    Safe Driver Age 40$930$78
    Safe Driver Age 50$844$70
    Safe Driver Age 60$828$69
    High Deductibles Age 40$784$65
    Discount Rate Age 40$772$64

    Toyota Tacoma insurance rates

    Toyota Tacoma car insurance rates in North Carolina range from $724 to $1,962 per year for the driver profiles in the chart below. Tacoma insurance costs an average of $870 per year or $73 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 2021 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.
    Toyota Tacoma Insurance Cost in North Carolina
    Toyota Tacoma Insurance Cost in North Carolina
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$1,962$164
    Safe Driver Age 20$1,718$143
    At-fault Accidents Age 40$1,218$102
    Low Deductibles Age 40$1,140$95
    Safe Driver Age 30$918$77
    Safe Driver Age 40$870$73
    Safe Driver Age 50$792$66
    Safe Driver Age 60$776$65
    High Deductibles Age 40$730$61
    Discount Rate Age 40$724$60

    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 $804 to $2,194 per year for the example driver risk profiles, with average cost being $970 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 2021 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.
    Honda Civic Insurance Cost in North Carolina
    Honda Civic Insurance Cost in North Carolina
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,194$183
    Safe Driver Age 20$1,922$160
    At-fault Accidents Age 40$1,368$114
    Low Deductibles Age 40$1,256$105
    Safe Driver Age 30$1,018$85
    Safe Driver Age 40$970$81
    Safe Driver Age 50$882$74
    Safe Driver Age 60$866$72
    High Deductibles Age 40$820$68
    Discount Rate Age 40$804$67

    Ford Explorer insurance rates

    Average Ford Explorer insurance rates in North Carolina as shown in the chart below range from $848 to $2,318 per year, with the average cost being $1,022.

    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 2021 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.
    Ford Explorer Insurance Cost in North Carolina
    Ford Explorer Insurance Cost in North Carolina
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,318$193
    Safe Driver Age 20$2,028$169
    At-fault Accidents Age 40$1,436$120
    Low Deductibles Age 40$1,344$112
    Safe Driver Age 30$1,082$90
    Safe Driver Age 40$1,022$85
    Safe Driver Age 50$930$78
    Safe Driver Age 60$912$76
    High Deductibles Age 40$856$71
    Discount Rate Age 40$848$71

    Ford F150 insurance rates

    The average cost for Ford F150 insurance in North Carolina is $984 per year. The chart below shows rates for additional driver profiles and prices range from $818 to $2,232 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 2021 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.
    Ford F150 Insurance Cost in North Carolina
    Ford F150 Insurance Cost in North Carolina
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,232$186
    Safe Driver Age 20$1,956$163
    At-fault Accidents Age 40$1,388$116
    Low Deductibles Age 40$1,274$106
    Safe Driver Age 30$1,036$86
    Safe Driver Age 40$984$82
    Safe Driver Age 50$898$75
    Safe Driver Age 60$880$73
    High Deductibles Age 40$836$70
    Discount Rate Age 40$818$68

    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 $3,700 per year for a 16-year-old driver, $3,456 per year for a 17-year-old driver, $3,230 per year for a 18-year-old driver, and $2,920 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 $162 per year compared to a good credit rating of 670-739. Conversely, a mediocre credit score could cost as much as $188 more per year.
    • Gender affects car insurance rates. For the average 2021 model year vehicle, a 20-year-old male driver pays an estimated $2,050 per year, while a 20-year-old female will pay an average of $1,524, a difference of $526 per year. The females get the cheaper rate by far. But by age 50, the cost for male drivers is $940 and the female rate is $922, 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 $236 per year for a 40-year-old driver and $458 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 $244 per year for a 40-year-old driver and $1,442 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 $31 and $99 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 $1,238 or more per year.