North Carolina Car Insurance Cost for 2022

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 $966 per year, which is 37.7% less than the overall national average rate of $1,551.

Average car insurance cost per month in North Carolina costs around $81 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 $934 per year, the Toyota Camry at $952, the Chevrolet Silverado at $1,038, the Jeep Grand Cherokee at $1,068, and the Honda CR-V at $848 per year.

High end models like the Lexus GX 460, the Volvo XC60, and the Acura ILX cost an average of $1,122, $1,042, and $892 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 2022 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 2022 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 May 19, 2022
Average Car Insurance Cost in North Carolina
Average Car Insurance Cost in North Carolina
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$1,630$136
$500$1,920$160
$250$2,226$186
30$1,000$856$71
$500$1,018$85
$250$1,188$99
40$1,000$818$68
$500$966$81
$250$1,122$94
50$1,000$748$62
$500$884$74
$250$1,022$85
60$1,000$732$61
$500$864$72
$250$1,000$83

North Carolina car insurance rates in the chart above range from $732 per year for a 60-year-old driver with $1,000 deductibles to $2,226 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 $61 to $186 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 $2,428 per year for a 19-year-old female driver up to $3,462 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 $2,878 to $3,234 per year for 17-year-olds and from $2,620 to $3,020 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 29.5% less than West Virginia, 1.6% more than Virginia, 31.2% less than South Carolina, 19.9% less than Tennessee, and 52.4% less than Georgia.

When compared to states in other parts of the country, the average cost of car insurance in North Carolina is 8.3% more expensive than Maine, 21.6% cheaper than Illinois, 56.6% cheaper than Florida, 40.6% cheaper than Colorado, and 24.4% 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 Camry as the rated vehicle with a 40-year-old male as the rated driver.

Average car insurance cost on a 2022 Toyota Camry in North Carolina is $952 per year. This amount is:

  • $430 per year cheaper than insuring the same vehicle in South Carolina ($1,382)
  • $496 per year cheaper than in Georgia ($1,448)
  • $268 per year cheaper than in Alabama ($1,220)
  • $464 per year cheaper than in Mississippi ($1,416)
  • $232 per year cheaper than in Tennessee ($1,184)

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 #1 out of 12 states in the Southeast region for cheapest car insurance rates, and ranks #3 out of all 50 states for car insurance affordability. Only the states of Ohio and New Hampshire 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
North Carolina$966--
Virginia$982$16
Tennessee$1,206$240
Alabama$1,240$274
West Virginia$1,370$404
South Carolina$1,404$438
Mississippi$1,438$472
Georgia$1,472$506
Arkansas$1,630$664
Kentucky$1,772$806
Louisiana$2,206$1,240
Florida$2,228$1,262

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 2022 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 April 12, 2022
North Carolina Car Insurance Rates by Vehicle Segment
North Carolina Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$904$75
Midsize Pickup$928$77
Minivan$972$81
Midsize SUV$980$82
Compact Car$996$83
Midsize Car$1,008$84
Half-ton Pickup$1,050$88
Compact Luxury SUV$1,086$91
Large SUV$1,090$91
Compact Luxury Car$1,098$92
Large Car$1,118$93
Heavy Duty Pickup$1,152$96
Midsize Luxury SUV$1,168$97
Midsize Luxury Car$1,280$107
Sports Car$1,364$114
Large Luxury SUV$1,462$122
Large Luxury Car$1,528$127

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 $836 and $848 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 $840 per year or $70 per month
  • Cheapest compact SUV insuranceMazda CX-5 at $734 per year or $61 per month
  • Cheapest midsize car insuranceSubaru Legacy at $940 per year or $78 per month
  • Cheapest midsize SUV insuranceHonda Passport at $776 per year or $65 per month
  • Cheapest full-size car insuranceToyota Avalon at $1,016 per year or $85 per month
  • Cheapest full-size SUV insuranceChevrolet Tahoe at $972 per year or $81 per month
  • Cheapest midsize pickup insuranceChevrolet Colorado at $796 per year or $66 per month
  • Cheapest full-size pickup insuranceFord F150 at $934 per year or $78 per month
  • Cheapest heavy duty pickup insuranceFord F350 Super Duty at $1,052 per year or $88 per month
  • Cheapest minivan insuranceHonda Odyssey at $902 per year or $75 per month
  • Cheapest sports car insuranceMazda MX-5 Miata at $838 per year or $70 per month
  • Cheapest compact luxury car insuranceMercedes-Benz A220 at $952 per year or $79 per month
  • Cheapest compact luxury SUV insuranceAcura RDX at $830 per year or $69 per month
  • Cheapest midsize luxury car insuranceAcura ILX at $892 per year or $74 per month
  • Cheapest midsize luxury SUV insuranceCadillac XT5 at $954 per year or $80 per month
  • Cheapest full-size luxury car insuranceAudi A5 at $1,136 per year or $95 per month
  • Cheapest full-size luxury SUV insuranceVolvo XC90 at $1,044 per year or $87 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 2022 model year.

Top 30 Cheapest Vehicles to Insure in North Carolina
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$734$61
2Nissan Kicks$756$63
3Chevrolet Trailblazer$762$64
4Honda Passport$776$65
5Subaru Crosstrek$778$65
6Chevrolet Colorado$796$66
7Toyota C-HR$800$67
8Buick Encore$802$67
9Nissan Rogue Sport$808$67
10Buick Envision$822$69
11Hyundai Venue$824$69
12Kia Seltos$826$69
13Ford Maverick$828$69
14Subaru Ascent$828$69
15Acura RDX$830$69
16Toyota Corolla Cross$832$69
17Subaru Forester$836$70
18Mazda MX-5 Miata$838$70
19Hyundai Kona$840$70
20Subaru Impreza$840$70
21Volkswagen Tiguan$842$70
22Chevrolet Spark$844$70
23Honda CR-V$848$71
24Cadillac XT4$850$71
25Mazda CX-30$856$71
26Ford Ranger$860$72
27Honda HR-V$870$73
28Ford Edge$872$73
29Ford Ecosport$878$73
30Subaru Outback$886$74

    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 March 24, 2022
    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 $950 per year and ranges from $786 to $2,148 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 2022 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 May 19, 2022
    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$2,148$179
    Safe Driver Age 20$1,880$157
    At-fault Accidents Age 40$1,338$112
    Low Deductibles Age 40$1,224$102
    Safe Driver Age 30$994$83
    Safe Driver Age 40$950$79
    Safe Driver Age 50$864$72
    Safe Driver Age 60$848$71
    High Deductibles Age 40$808$67
    Discount Rate Age 40$786$66

    Toyota Tacoma insurance rates

    Toyota Tacoma car insurance rates in North Carolina range from $748 to $2,042 per year for the driver profiles in the chart below. Tacoma insurance costs an average of $896 per year or $75 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 2022 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 May 19, 2022
    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$2,042$170
    Safe Driver Age 20$1,790$149
    At-fault Accidents Age 40$1,264$105
    Low Deductibles Age 40$1,180$98
    Safe Driver Age 30$952$79
    Safe Driver Age 40$896$75
    Safe Driver Age 50$818$68
    Safe Driver Age 60$804$67
    High Deductibles Age 40$752$63
    Discount Rate Age 40$748$62

    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 $796 to $2,160 per year for the example driver risk profiles, with average cost being $958 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 2022 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 May 19, 2022
    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$2,160$180
    Safe Driver Age 20$1,892$158
    At-fault Accidents Age 40$1,350$113
    Low Deductibles Age 40$1,232$103
    Safe Driver Age 30$1,006$84
    Safe Driver Age 40$958$80
    Safe Driver Age 50$872$73
    Safe Driver Age 60$856$71
    High Deductibles Age 40$816$68
    Discount Rate Age 40$796$66

    Ford Explorer insurance rates

    Average Ford Explorer insurance rates in North Carolina as shown in the chart below range from $758 to $2,052 per year, with the average cost being $910.

    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 2022 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 May 19, 2022
    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$2,052$171
    Safe Driver Age 20$1,798$150
    At-fault Accidents Age 40$1,268$106
    Low Deductibles Age 40$1,206$101
    Safe Driver Age 30$964$80
    Safe Driver Age 40$910$76
    Safe Driver Age 50$826$69
    Safe Driver Age 60$812$68
    Discount Rate Age 40$758$63
    High Deductibles Age 40$756$63

    Ford F150 insurance rates

    The average cost for Ford F150 insurance in North Carolina is $934 per year. The chart below shows rates for additional driver profiles and prices range from $776 to $2,114 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 2022 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 May 19, 2022
    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$2,114$176
    Safe Driver Age 20$1,852$154
    At-fault Accidents Age 40$1,318$110
    Low Deductibles Age 40$1,208$101
    Safe Driver Age 30$984$82
    Safe Driver Age 40$934$78
    Safe Driver Age 50$852$71
    Safe Driver Age 60$836$70
    High Deductibles Age 40$796$66
    Discount Rate Age 40$776$65

    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 $3,462 per year for a 16-year-old driver, $3,234 per year for a 17-year-old driver, $3,020 per year for a 18-year-old driver, and $2,732 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 $152 per year compared to a good credit rating of 670-739. Conversely, a mediocre credit score could cost as much as $176 more per year.
    • Gender affects car insurance rates. For the average 2022 model year vehicle, a 20-year-old male driver pays an estimated $1,920 per year, while a 20-year-old female will pay an average of $1,424, a difference of $496 per year. The females get the cheaper rate by far. But by age 50, the cost for male drivers is $884 and the female rate is $862, a difference of only $22.
    • The higher deductible you choose, the lower the policy cost. Increasing your deductibles from $500 to $1,000 could save around $232 per year for a 40-year-old driver and $452 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 $1,560 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 $29 and $101 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 $1,160 or more per year.