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Shannon Martin
Written by
Natasha Cornelius, CLU
Edited by
Kenneth Chavis IV
Reviewed by
Natasha Cornelius, CLUEdited by
Kenneth Chavis IVReviewed by
Updated Sep 11, 2024
The average cost of full coverage car insurance in North Carolina is $2,040 annually, while the average cost of minimum coverage is $609 a year.
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On This Page
On This Page
- Cost of car insurance in North Carolina
- Car insurance rates by city
- Costs by age and gender
- Costs by driving record
- Car insurance rates by credit score
- Car insurance rates by vehicle type
- Estimate your car insurance cost
- How to save on car insurance
- Frequently asked questions
- Methodology
How much is car insurance in North Carolina?
The average cost of car insurance in North Carolina is $2,040 annually for full coverage and $609 annually for state-required minimum coverage. North Carolina car insurance rates are typically well below the national average costs of car insurance, which are $2,348 per year for full coverage and $639 per year for minimum coverage. To pinpoint how much drivers can expect to pay, Bankrate’s insurance editorial team, which includes licensed agents, turned to Quadrant Information Services and reviewed average rates for the largest companies in the state by market share.
Key takeaways
- The average cost of full coverage car insurance in North Carolina is $2,040 per year or $170 per month. Minimum coverage is $609 per year or $51 per month.
- On average, North Carolina drivers pay 12 percent less for full coverage car insurance compared to the national average.
- Of all age groups, 16-year-old drivers pay the most for car insurance in NC.
- On average, drivers convicted of a DUI in North Carolina pay for full coverage compared to the national average.
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North Carolina car insurance rates by city
Car insurance rates vary by state; they can also vary by city. For example, Fayetteville and Charlotte’s average annual full coverage premiums are slightly higher than the state average. Larger cities tend to have higher insurance costs for a few reasons. Higher medical care costs may increase bodily injury liability coverage premiums, and higher costs for vehicle repairs and labor may increase premiums for property damage liability, comprehensive coverage and collision coverage. Additionally, larger cities tend to have more traffic, which could lead to a higher likelihood of accidents.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|
| Newport | $1,762 | -15% |
| Smyrna | $1,791 | -13% |
| Trenton | $2,128 | +4% |
| Boomer | $1,959 | -4% |
| Ennice | $1,939 | -5% |
| Hays | $1,957 | -4% |
| Jonesville | $1,935 | -5% |
| Lansing | $1,933 | -5% |
| North Wilkesboro | $1,950 | -4% |
| Piney Creek | $1,970 | -4% |
| Greensboro | $2,091 | +2% |
| Broadway | $2,090 | +2% |
| Fuquay Varina | $2,071 | +1% |
| Goldsboro | $2,043 | +0% |
| New Hill | $1,932 | -5% |
| Willow Spring | $2,057 | +1% |
| Raleigh | $1,947 | -5% |
| Durham | $1,958 | -4% |
| Rocky Mount | $2,090 | +2% |
| Conetoe | $2,175 | +6% |
| Bear Creek | $1,955 | -4% |
| Cumnock | $2,139 | +5% |
| Elon | $1,931 | -5% |
| Haw River | $1,922 | -6% |
| Lexington | $1,943 | -5% |
| Randleman | $1,927 | -6% |
| Reidsville | $1,960 | -4% |
| Seagrove | $1,955 | -4% |
| Snow Camp | $1,952 | -4% |
| Burlington | $1,925 | -6% |
| Ether | $2,000 | -2% |
| Highfalls | $2,020 | -1% |
| High Point | $2,105 | +3% |
| Kernersville | $1,811 | -12% |
| Leasburg | $2,218 | +8% |
| Linwood | $2,051 | +1% |
| Oak Ridge | $1,839 | -10% |
| Staley | $1,953 | -4% |
| Swepsonville | $2,003 | -2% |
| Thomasville | $1,945 | -5% |
| Biscoe | $1,949 | -5% |
| Colfax | $1,837 | -10% |
| Mebane | $1,920 | -6% |
| Candor | $1,979 | -3% |
| Sanford | $2,083 | +2% |
| Summerfield | $1,847 | -10% |
| Trinity | $1,940 | -5% |
| West End | $1,944 | -5% |
| Goldston | $1,948 | -5% |
| Pleasant Garden | $1,943 | -5% |
| Star | $1,951 | -4% |
| Rodanthe | $1,969 | -4% |
| Stumpy Point | $1,948 | -5% |
| Sunbury | $2,182 | +7% |
| Alexis | $2,001 | -2% |
| Chapel Hill | $1,700 | -18% |
| Clayton | $2,087 | +2% |
| Franklinton | $2,175 | +6% |
| Louisburg | $2,166 | +6% |
| Manson | $2,166 | +6% |
| Cary | $1,749 | -15% |
| Apex | $1,746 | -16% |
| Rolesville | $1,923 | -6% |
| Wake Forest | $1,868 | -9% |
| Efland | $1,967 | -4% |
| Eden | $1,954 | -4% |
| Liberty | $1,946 | -5% |
| Mc Leansville | $1,941 | -5% |
| Mount Gilead | $1,984 | -3% |
| Ruffin | $2,182 | +7% |
| Pinetops | $2,170 | +6% |
| Pleasant Hill | $2,167 | +6% |
| Fayetteville | $2,299 | +12% |
| Wilkesboro | $1,967 | -4% |
| Scotts | $2,039 | -0% |
| Cedar Mountain | $1,877 | -8% |
| Fairview | $1,809 | -12% |
| Fontana Dam | $1,872 | -9% |
| Pisgah Forest | $1,831 | -11% |
| Scaly Mountain | $1,873 | -9% |
| Zirconia | $1,829 | -11% |
| Youngsville | $2,168 | +6% |
| Chocowinity | $2,119 | +4% |
| Bethel | $2,113 | +4% |
| Fairfield | $2,254 | +10% |
| Farmville | $2,155 | +5% |
| Barnardsville | $1,799 | -13% |
| Enka | $1,882 | -8% |
| Green Mountain | $1,911 | -7% |
| Mill Spring | $1,898 | -7% |
| Penland | $1,975 | -3% |
| Hendersonville | $1,830 | -11% |
| Bath | $2,213 | +8% |
| Belhaven | $2,215 | +8% |
| Elm City | $2,148 | +5% |
| Greenville | $2,125 | +4% |
| East Bend | $1,936 | -5% |
| Germanton | $1,815 | -12% |
| Madison | $1,954 | -4% |
| Rural Hall | $1,812 | -12% |
| Winston Salem | $1,864 | -9% |
| Almond | $1,802 | -12% |
| Candler | $1,803 | -12% |
| Clyde | $1,812 | -12% |
| East Flat Rock | $1,829 | -11% |
| Etowah | $1,831 | -11% |
| Flat Rock | $1,845 | -10% |
| Fletcher | $1,852 | -10% |
| Glenville | $1,859 | -9% |
| Lake Toxaway | $1,812 | -12% |
| Micaville | $1,968 | -4% |
| Topton | $1,812 | -12% |
| Aulander | $2,197 | +7% |
| Blounts Creek | $2,124 | +4% |
| Fremont | $2,117 | +4% |
| Lewisville | $1,798 | -13% |
| Clinton | $2,168 | +6% |
| Dunn | $2,077 | +2% |
| Hoffman | $2,306 | +12% |
| Linden | $2,116 | +4% |
| Lumberton | $2,355 | +14% |
| Rockingham | $2,261 | +10% |
| Tar Heel | $2,399 | +16% |
| Wilmington | $1,871 | -9% |
| Kittrell | $2,163 | +6% |
| Middlesex | $2,139 | +5% |
| Moncure | $1,944 | -5% |
| Norlina | $2,176 | +6% |
| Bennett | $1,957 | -4% |
| Bynum | $2,013 | -1% |
| Denton | $1,958 | -4% |
| Graham | $1,925 | -6% |
| Providence | $2,181 | +7% |
| Saxapahaw | $2,003 | -2% |
| Troy | $1,957 | -4% |
| Benson | $2,061 | +1% |
| Butner | $2,141 | +5% |
| Carrboro | $1,677 | -20% |
| Kipling | $2,134 | +5% |
| Macon | $2,191 | +7% |
| Princeton | $2,069 | +1% |
| Stem | $2,148 | +5% |
| Oxford | $2,212 | +8% |
| Bullock | $2,195 | +7% |
| Creedmoor | $2,158 | +6% |
| Garner | $2,072 | +2% |
| Roxboro | $2,209 | +8% |
| Timberlake | $2,204 | +8% |
| Vaughan | $2,219 | +8% |
| Bunn | $2,188 | +7% |
| Calypso | $2,142 | +5% |
| Falcon | $2,179 | +7% |
| Godwin | $2,113 | +4% |
| Red Springs | $2,354 | +14% |
| Sandy Ridge | $1,972 | -3% |
| Stoneville | $1,958 | -4% |
| Asheboro | $1,932 | -5% |
| Lawsonville | $1,960 | -4% |
| Holly Springs | $1,734 | -16% |
| Ridgeway | $2,222 | +9% |
| Selma | $2,080 | +2% |
| Blanch | $2,226 | +9% |
| Browns Summit | $1,941 | -5% |
| Climax | $1,933 | -5% |
| Franklinville | $1,931 | -5% |
| Gibsonville | $1,932 | -5% |
| Pittsboro | $1,954 | -4% |
| Sedalia | $1,978 | -3% |
| Siler City | $1,954 | -4% |
| Bonlee | $2,007 | -2% |
| Jackson Springs | $1,949 | -5% |
| Jamestown | $1,834 | -11% |
| Julian | $1,940 | -5% |
| Ramseur | $1,934 | -5% |
| Robbins | $1,967 | -4% |
| Kenly | $2,114 | +4% |
| Knightdale | $2,186 | +7% |
| Wendell | $2,076 | +2% |
| Cedar Grove | $1,975 | -3% |
| Milton | $2,200 | +8% |
| Prospect Hill | $2,182 | +7% |
| Semora | $2,211 | +8% |
| Stokesdale | $1,931 | -6% |
| Whitsett | $1,940 | -5% |
| Wise | $2,222 | +9% |
| Balsam | $1,859 | -9% |
| Canton | $1,823 | -11% |
| Gerton | $1,879 | -8% |
| Sapphire | $1,884 | -8% |
| Tuxedo | $1,909 | -7% |
| Waynesville | $1,825 | -11% |
| Union Grove | $1,942 | -5% |
| Zionville | $1,906 | -7% |
| Balsam Grove | $1,880 | -8% |
| Black Mountain | $1,798 | -13% |
| Cashiers | $1,821 | -11% |
| Cherokee | $1,824 | -11% |
| Horse Shoe | $1,846 | -10% |
| Otto | $1,802 | -12% |
| Ridgecrest | $1,869 | -9% |
| Spruce Pine | $1,892 | -8% |
| Whittier | $1,815 | -12% |
| Hurdle Mills | $2,188 | +7% |
| Lillington | $2,090 | +2% |
| Smithfield | $2,058 | +1% |
| Leicester | $1,798 | -13% |
| Marion | $1,891 | -8% |
| Naples | $1,902 | -7% |
| Old Fort | $1,798 | -13% |
| Penrose | $1,827 | -11% |
| Sylva | $1,822 | -11% |
| Bakersville | $1,895 | -7% |
| Bat Cave | $1,914 | -6% |
| Castalia | $2,177 | +7% |
| Edward | $2,152 | +5% |
| Bahama | $2,009 | -2% |
| Four Oaks | $2,052 | +1% |
| Henderson | $2,171 | +6% |
| Morrisville | $1,736 | -16% |
| Stovall | $2,247 | +10% |
| Warrenton | $2,169 | +6% |
| Zebulon | $2,092 | +2% |
| Battleboro | $2,117 | +4% |
| Bellarthur | $2,193 | +7% |
| Asheville | $1,823 | -11% |
| Angier | $2,078 | +2% |
| Aurora | $2,131 | +4% |
| Bailey | $2,129 | +4% |
| Cedar Falls | $1,993 | -2% |
| Eagle Springs | $1,964 | -4% |
| Hillsborough | $1,983 | -3% |
| Pelham | $2,190 | +7% |
| Sophia | $1,939 | -5% |
| Yanceyville | $2,178 | +7% |
| Atkinson | $2,189 | +7% |
| Burgaw | $2,136 | +5% |
| Cerro Gordo | $2,410 | +17% |
| Currie | $2,174 | +6% |
| Garland | $2,171 | +6% |
| Rose Hill | $2,184 | +7% |
| Tabor City | $2,395 | +16% |
| Ocean Isle Beach | $1,778 | -14% |
| Gloucester | $1,795 | -13% |
| Grifton | $2,141 | +5% |
| Camp Lejeune | $1,991 | -2% |
| Mccutcheon Field | $2,044 | +0% |
| Everetts | $2,162 | +6% |
| Enfield | $2,184 | +7% |
| Gaston | $2,154 | +5% |
| Coats | $2,084 | +2% |
| Rougemont | $2,199 | +7% |
| Charlotte | $2,283 | +11% |
| Powells Point | $1,874 | -8% |
| Wanchese | $1,869 | -9% |
| Gastonia | $2,305 | +12% |
| Kings Mountain | $2,191 | +7% |
| Mc Adenville | $2,214 | +8% |
| Ansonville | $2,296 | +12% |
| Gold Hill | $2,063 | +1% |
| Kannapolis | $2,064 | +1% |
| Lincolnton | $2,184 | +7% |
| Mc Farlan | $2,319 | +13% |
| Midland | $2,102 | +3% |
| Mooresville | $1,970 | -3% |
| Woodleaf | $2,053 | +1% |
| Scotland Neck | $2,205 | +8% |
| Seaboard | $2,175 | +6% |
| Whitakers | $2,171 | +6% |
| Wilson | $2,204 | +8% |
| Eure | $2,197 | +7% |
| Kitty Hawk | $1,894 | -7% |
| Moyock | $1,903 | -7% |
| Nags Head | $1,893 | -7% |
| Brasstown | $1,833 | -11% |
| Roper | $2,193 | +7% |
| Bostic | $1,907 | -7% |
| Ellenboro | $1,919 | -6% |
| Locust | $1,963 | -4% |
| Jackson | $2,181 | +7% |
| Jamesville | $2,169 | +6% |
| Littleton | $2,162 | +6% |
| Stokes | $2,117 | +4% |
| Monroe | $2,335 | +13% |
| Valdese | $1,974 | -3% |
| Arden | $1,808 | -12% |
| Burnsville | $1,880 | -8% |
| Franklin | $1,793 | -13% |
| Robbinsville | $1,795 | -13% |
| Tuckasegee | $1,801 | -12% |
| Waves | $1,948 | -5% |
| Winfall | $2,182 | +7% |
| Cherryville | $2,170 | +6% |
| China Grove | $2,065 | +1% |
| Concord | $2,089 | +2% |
| Crouse | $2,183 | +7% |
| Dillsboro | $1,894 | -7% |
| Hot Springs | $1,829 | -11% |
| Little Switzerland | $1,955 | -4% |
| Nebo | $1,891 | -8% |
| Columbus | $1,907 | -7% |
| Cullowhee | $1,820 | -11% |
| Hazelwood | $1,890 | -8% |
| Maggie Valley | $1,826 | -11% |
| Marshall | $1,796 | -13% |
| Lawndale | $2,177 | +6% |
| Mount Pleasant | $1,971 | -3% |
| Kelford | $2,185 | +7% |
| Macclesfield | $2,124 | +4% |
| Pinetown | $2,202 | +8% |
| Rich Square | $2,183 | +7% |
| Severn | $2,228 | +9% |
| Frisco | $1,882 | -8% |
| Sharpsburg | $2,089 | +2% |
| Sims | $2,139 | +5% |
| Walstonburg | $2,172 | +6% |
| Elizabeth City | $1,886 | -8% |
| Barco | $1,890 | -8% |
| Creswell | $2,179 | +7% |
| Gates | $2,196 | +7% |
| Merry Hill | $2,193 | +7% |
| Hayesville | $1,806 | -12% |
| Grimesland | $2,114 | +4% |
| Margarettsville | $2,174 | +6% |
| Parmele | $2,155 | +5% |
| Aydlett | $1,906 | -7% |
| Belvidere | $2,185 | +7% |
| Hatteras | $1,895 | -7% |
| Knotts Island | $1,897 | -7% |
| Pope Army Airfield | $2,329 | +13% |
| Fairmont | $2,361 | +15% |
| Hope Mills | $2,322 | +13% |
| Lakeview | $2,024 | -1% |
| Maxton | $2,308 | +12% |
| Stedman | $2,121 | +4% |
| Seven Springs | $2,128 | +4% |
| Swansboro | $1,787 | -13% |
| Catawba | $1,955 | -4% |
| Conover | $1,964 | -4% |
| Grassy Creek | $1,917 | -6% |
| Roaring River | $1,962 | -4% |
| Taylorsville | $1,968 | -4% |
| Engelhard | $2,246 | +10% |
| Garysburg | $2,164 | +6% |
| Brunswick | $2,432 | +18% |
| Clarendon | $2,396 | +16% |
| Riegelwood | $2,138 | +5% |
| Ernul | $2,165 | +6% |
| Grantsboro | $1,792 | -13% |
| Marshallberg | $1,832 | -11% |
| Morehead City | $1,760 | -15% |
| Spindale | $1,912 | -7% |
| Salisbury | $2,060 | +1% |
| Shelby | $2,167 | +6% |
| Spencer | $2,058 | +1% |
| Vale | $2,174 | +6% |
| Murphy | $1,819 | -11% |
| Pollocksville | $2,106 | +3% |
| Richlands | $1,998 | -2% |
| Hickory | $1,972 | -3% |
| Culberson | $1,901 | -7% |
| Dudley | $2,028 | -1% |
| Erwin | $2,101 | +3% |
| Marston | $2,342 | +14% |
| Todd | $1,951 | -4% |
| Traphill | $1,954 | -4% |
| Warrensville | $1,928 | -6% |
| West Jefferson | $1,923 | -6% |
| Highlands | $1,795 | -13% |
| Lake Lure | $1,902 | -7% |
| Rosman | $1,867 | -9% |
| Skyland | $1,880 | -8% |
| Norman | $2,025 | -1% |
| Pinehurst | $1,919 | -6% |
| Spring Lake | $2,316 | +13% |
| Turkey | $2,173 | +6% |
| Wagram | $2,290 | +12% |
| Mount Airy | $1,935 | -5% |
| Barnesville | $2,397 | +16% |
| Elizabethtown | $2,388 | +16% |
| Olivia | $2,158 | +6% |
| Dobson | $1,932 | -5% |
| Mocksville | $1,832 | -11% |
| Walnut Cove | $1,945 | -5% |
| Yadkinville | $1,932 | -5% |
| New Bern | $1,775 | -14% |
| Salter Path | $1,805 | -12% |
| Stella | $1,780 | -14% |
| Vanceboro | $2,143 | +5% |
| Winterville | $2,132 | +4% |
| Creston | $1,919 | -6% |
| Glen Alpine | $1,981 | -3% |
| Dublin | $2,426 | +17% |
| Kenansville | $2,132 | +4% |
| Laurinburg | $2,283 | +11% |
| Mount Olive | $2,128 | +4% |
| Pembroke | $2,357 | +14% |
| Saint Pauls | $2,365 | +15% |
| Vass | $1,955 | -4% |
| Wade | $2,166 | +6% |
| Clarkton | $2,395 | +16% |
| Kelly | $2,196 | +7% |
| Bridgeton | $1,873 | -9% |
| Cherry Point | $1,825 | -11% |
| Jacksonville | $1,974 | -3% |
| Advance | $1,834 | -11% |
| Pine Hall | $1,957 | -4% |
| Ararat | $1,932 | -5% |
| Cooleemee | $1,839 | -10% |
| Danbury | $1,952 | -4% |
| Pfafftown | $1,810 | -12% |
| Siloam | $1,924 | -6% |
| Alamance | $2,003 | -2% |
| King | $1,805 | -12% |
| Pilot Mountain | $1,927 | -6% |
| Boonville | $1,940 | -5% |
| Pinnacle | $1,939 | -5% |
| Badin | $1,964 | -4% |
| Clemmons | $1,813 | -12% |
| Mayodan | $1,953 | -4% |
| Westfield | $1,949 | -5% |
| Oakboro | $1,962 | -4% |
| Paw Creek | $2,311 | +12% |
| Polkville | $2,310 | +12% |
| Union Mills | $1,910 | -7% |
| Waxhaw | $2,051 | +1% |
| Tarboro | $2,127 | +4% |
| Avon | $1,886 | -8% |
| Hobbsville | $2,198 | +7% |
| Kill Devil Hills | $1,883 | -8% |
| Manns Harbor | $1,898 | -7% |
| Ocraco*ke | $1,898 | -7% |
| Chadbourn | $2,402 | +16% |
| Delco | $2,135 | +5% |
| Supply | $2,020 | -1% |
| Calabash | $1,757 | -15% |
| Arapahoe | $1,792 | -13% |
| Atlantic | $1,785 | -13% |
| Beulaville | $2,146 | +5% |
| Tarawa Terrace | $1,995 | -2% |
| Hamptonville | $1,942 | -5% |
| Hassell | $2,217 | +8% |
| Nashville | $2,120 | +4% |
| Scranton | $2,247 | +10% |
| Stantonsburg | $2,158 | +6% |
| Williamston | $2,115 | +4% |
| Cofield | $2,195 | +7% |
| Jarvisburg | $1,893 | -7% |
| Marble | $1,800 | -13% |
| Bessemer City | $2,333 | +13% |
| Caroleen | $1,972 | -3% |
| Casar | $2,175 | +6% |
| Cornelius | $1,958 | -4% |
| Lowell | $2,224 | +9% |
| Evergreen | $2,413 | +17% |
| Hallsboro | $2,397 | +16% |
| Leland | $2,016 | -1% |
| Magnolia | $2,129 | +4% |
| Southport | $1,833 | -11% |
| Ayden | $2,156 | +6% |
| Beaufort | $1,759 | -15% |
| Davis | $1,797 | -13% |
| Hobucken | $2,194 | +7% |
| Point Harbor | $1,930 | -6% |
| Roduco | $2,231 | +9% |
| South Mills | $1,909 | -7% |
| Winton | $2,186 | +7% |
| Albemarle | $1,956 | -4% |
| Belmont | $2,220 | +8% |
| Dallas | $2,330 | +13% |
| Iron Station | $2,180 | +7% |
| Landis | $2,070 | +1% |
| Robersonville | $2,111 | +3% |
| Roxobel | $2,235 | +9% |
| Currituck | $1,950 | -5% |
| Harbinger | $1,919 | -6% |
| Harrellsville | $2,200 | +8% |
| Hertford | $2,175 | +6% |
| Maple | $1,960 | -4% |
| Aberdeen | $1,954 | -4% |
| Autryville | $2,183 | +7% |
| Bunnlevel | $2,325 | +13% |
| Stacy | $1,873 | -9% |
| Williston | $1,862 | -9% |
| Claremont | $1,968 | -4% |
| Glendale Springs | $1,966 | -4% |
| Hildebran | $1,968 | -4% |
| Roaring Gap | $2,011 | -1% |
| Lowgap | $1,947 | -5% |
| Tobaccoville | $1,812 | -12% |
| Walkertown | $1,816 | -12% |
| Wilsons Mills | $2,113 | +4% |
| Como | $2,210 | +8% |
| Conway | $2,183 | +7% |
| Fountain | $2,167 | +6% |
| Earl | $2,229 | +9% |
| Forest City | $1,916 | -6% |
| Harrisburg | $2,091 | +2% |
| Lattimore | $2,221 | +8% |
| Richfield | $1,954 | -4% |
| Rutherfordton | $1,921 | -6% |
| Grover | $2,179 | +7% |
| Indian Trail | $2,122 | +4% |
| Morven | $2,281 | +11% |
| Mount Holly | $2,220 | +8% |
| Ellerbe | $1,964 | -4% |
| Gibson | $2,297 | +12% |
| Lumber Bridge | $2,377 | +15% |
| Rex | $2,433 | +18% |
| Southern Pines | $1,933 | -5% |
| Cameron | $2,080 | +2% |
| Cumberland | $2,366 | +15% |
| Faison | $2,136 | +5% |
| Lemon Springs | $2,158 | +6% |
| Pink Hill | $2,136 | +5% |
| Sealevel | $1,856 | -9% |
| Banner Elk | $1,925 | -6% |
| Crossnore | $1,992 | -2% |
| Glade Valley | $1,965 | -4% |
| Lenoir | $1,954 | -4% |
| Harmony | $1,956 | -4% |
| Maiden | $1,973 | -3% |
| Newton | $1,967 | -4% |
| Stony Point | $1,968 | -4% |
| Proctorville | $2,397 | +16% |
| Raeford | $2,329 | +13% |
| Laurel Hill | $2,284 | +11% |
| Newton Grove | $2,169 | +6% |
| Parkton | $2,377 | +15% |
| Pinebluff | $1,951 | -4% |
| Rowland | $2,360 | +15% |
| Salemburg | $2,174 | +6% |
| Shannon | $2,368 | +15% |
| Warsaw | $2,133 | +4% |
| Rockwell | $2,065 | +1% |
| Statesville | $1,958 | -4% |
| Brevard | $1,804 | -12% |
| Lake Junaluska | $1,787 | -13% |
| Mars Hill | $1,841 | -10% |
| Mills River | $1,821 | -11% |
| Saluda | $1,904 | -7% |
| Weaverville | $1,798 | -13% |
| Deep Gap | $1,894 | -7% |
| Jonas Ridge | $1,993 | -2% |
| Laurel Springs | $1,970 | -3% |
| Olin | $1,949 | -5% |
| Sherrills Ford | $1,970 | -3% |
| State Road | $1,937 | -5% |
| Plymouth | $2,171 | +6% |
| Shawboro | $1,894 | -7% |
| Huntersville | $1,967 | -4% |
| Matthews | $2,123 | +4% |
| Mooresboro | $2,178 | +7% |
| Oak City | $2,164 | +6% |
| Pendleton | $2,208 | +8% |
| Pikeville | $2,037 | -0% |
| Roanoke Rapids | $2,152 | +5% |
| Camden | $1,880 | -8% |
| Columbia | $2,189 | +7% |
| Corolla | $1,906 | -7% |
| Henrietta | $2,183 | +7% |
| Lilesville | $2,291 | +12% |
| Marshville | $2,340 | +14% |
| Mount Mourne | $2,034 | -0% |
| Poplar Branch | $1,955 | -4% |
| Salvo | $1,951 | -4% |
| Shiloh | $1,881 | -8% |
| Windsor | $2,173 | +6% |
| Fallston | $2,227 | +9% |
| Mount Ulla | $2,120 | +4% |
| Newell | $2,684 | +27% |
| Halifax | $2,176 | +6% |
| Lewiston Woodville | $2,226 | +9% |
| Simpson | $2,164 | +6% |
| Speed | $2,221 | +8% |
| Spring Hope | $2,120 | +4% |
| Buxton | $1,953 | -4% |
| Durants Neck | $2,222 | +9% |
| Gatesville | $2,194 | +7% |
| Grandy | $1,901 | -7% |
| Manteo | $1,876 | -8% |
| Bolivia | $2,014 | -1% |
| Carolina Beach | $1,856 | -9% |
| Holly Ridge | $1,777 | -14% |
| Shallotte | $2,015 | -1% |
| Albertson | $2,137 | +5% |
| Hookerton | $2,158 | +6% |
| Fair Bluff | $2,392 | +16% |
| Hampstead | $1,831 | -11% |
| Lake Waccamaw | $2,142 | +5% |
| Teachey | $2,134 | +5% |
| Winnabow | $2,021 | -1% |
| Kinston | $2,066 | +1% |
| Atlantic Beach | $1,767 | -14% |
| Cedar Island | $1,933 | -5% |
| Havelock | $1,779 | -14% |
| Maysville | $1,782 | -13% |
| Boone | $1,946 | -5% |
| Hiddenite | $1,935 | -5% |
| Hudson | $1,967 | -4% |
| Linville Falls | $1,966 | -4% |
| Rutherford College | $1,981 | -3% |
| Sugar Grove | $1,892 | -8% |
| Morganton | $1,973 | -3% |
| Crumpler | $1,912 | -7% |
| Elkin | $1,933 | -5% |
| Purlear | $1,957 | -4% |
| Oriental | $1,801 | -12% |
| Snow Hill | $2,150 | +5% |
| Drexel | $1,981 | -3% |
| Scottville | $1,997 | -2% |
| Vandemere | $2,181 | +7% |
| Emerald Isle | $1,778 | -14% |
| Blowing Rock | $1,917 | -6% |
| Ferguson | $1,938 | -5% |
| Mc Grady | $2,018 | -1% |
| Moravian Falls | $1,943 | -5% |
| Newland | $1,918 | -6% |
| Sparta | $1,951 | -4% |
| Thurmond | $1,938 | -5% |
| Connellys Springs | $1,964 | -4% |
| Granite Falls | $1,962 | -4% |
| Jefferson | $1,909 | -7% |
| Millers Creek | $1,959 | -4% |
| Ronda | $1,938 | -5% |
| Terrell | $1,976 | -3% |
| Collettsville | $1,909 | -7% |
| Elk Park | $1,901 | -7% |
| Fleetwood | $1,914 | -6% |
| Pineola | $1,992 | -2% |
| Pineville | $2,282 | +11% |
| Henrico | $2,186 | +7% |
| Hollister | $2,199 | +7% |
| Lucama | $2,130 | +4% |
| New London | $1,956 | -4% |
| Wadesboro | $2,293 | +12% |
| Wingate | $2,341 | +14% |
| Peachland | $2,353 | +14% |
| Stanley | $1,969 | -4% |
| Hamlet | $2,264 | +10% |
| White Oak | $2,396 | +16% |
| Norwood | $1,963 | -4% |
| Polkton | $2,314 | +13% |
| Waco | $2,230 | +9% |
| Ivanhoe | $2,151 | +5% |
| Longwood | $2,134 | +4% |
| Nakina | $2,402 | +16% |
| Sneads Ferry | $1,779 | -14% |
| Deep Run | $2,129 | +4% |
| Dover | $2,152 | +5% |
| La Grange | $2,027 | -1% |
| Fort Bragg | $2,320 | +13% |
| Bladenboro | $2,389 | +16% |
| Carthage | $1,952 | -4% |
| Marietta | $2,397 | +16% |
| Orrum | $2,366 | +15% |
| Roseboro | $2,163 | +6% |
| Murfreesboro | $2,186 | +7% |
| Potecasi | $2,225 | +9% |
| Weldon | $2,177 | +6% |
| Woodland | $2,195 | +7% |
| Ahoskie | $2,186 | +7% |
| Coinjock | $1,952 | -4% |
| Corapeake | $2,192 | +7% |
| Kure Beach | $1,839 | -10% |
| Oak Island | $1,825 | -11% |
| Sunset Beach | $1,773 | -14% |
| Bayboro | $2,102 | +3% |
| Chinquapin | $2,132 | +4% |
| Lowland | $2,212 | +8% |
| Hobgood | $2,188 | +7% |
| Tillery | $2,231 | +9% |
| Edenton | $2,185 | +7% |
| Stanfield | $1,978 | -3% |
| Troutman | $1,975 | -3% |
| Wallace | $2,138 | +5% |
| Willard | $2,148 | +5% |
| Cramerton | $2,209 | +8% |
| Misenheimer | $1,969 | -4% |
| Tryon | $1,903 | -7% |
| Warne | $1,868 | -9% |
| Bolton | $2,145 | +5% |
| Council | $2,392 | +16% |
| Whiteville | $2,409 | +17% |
| Wrightsville Beach | $1,847 | -10% |
| Harkers Island | $1,770 | -14% |
| Midway Park | $1,986 | -3% |
| Hamilton | $2,163 | +6% |
| Pantego | $2,218 | +8% |
| Swanquarter | $2,205 | +8% |
| Washington | $2,119 | +4% |
| Colerain | $2,191 | +7% |
| Andrews | $1,811 | -12% |
| Ash | $2,130 | +4% |
| Castle Hayne | $2,034 | -0% |
| Vilas | $1,900 | -7% |
| Alexander | $1,789 | -13% |
| Bryson City | $1,813 | -12% |
| Lynn | $1,969 | -4% |
| Montreat | $1,869 | -9% |
| Swannanoa | $1,796 | -13% |
| Harrells | $2,171 | +6% |
| Maple Hill | $2,178 | +7% |
| Rocky Point | $2,175 | +6% |
| Comfort | $2,183 | +7% |
| Cove City | $2,117 | +4% |
| Hubert | $1,784 | -13% |
| Merritt | $1,802 | -12% |
| Belews Creek | $1,822 | -11% |
| Cleveland | $2,052 | +1% |
| Powellsville | $2,216 | +8% |
| Tyner | $2,183 | +7% |
| Barium Springs | $2,018 | -1% |
| Davidson | $1,997 | -2% |
| Denver | $1,977 | -3% |
Average car insurance costs by age and gender in North Carolina
Car insurance rates vary by age in most states, including North Carolina, with younger drivers usually paying more for coverage due to a higher likelihood of accidents and subsequent claims. Recognizing and responding to sudden road hazards is a learned skill that takes time to develop, and the lack of driving experience is why teen drivers typically face the highest insurance rates.
In most cases, young drivers can save money by staying on their parents’ policies as additional drivers for as long as possible. Premiums generally decrease with age but may begin to increase again when drivers reach their senior years. In some states, male drivers typically see higher average rates than female drivers, but North Carolina car insurance laws do not allow the use of gender as an insurance rating factor.
Age | Average annual full coverage premium in NC | Average minimum coverage premium in NC |
|---|---|---|
Age 16* | Average annual full coverage premium in NC $4,804 | Average minimum coverage premium in NC $1,714 |
Age 18 | Average annual full coverage premium in NC $4,065 | Average minimum coverage premium in NC $1,403 |
Age 20 | Average annual full coverage premium in NC $2,639 | Average minimum coverage premium in NC $763 |
Age 25 | Average annual full coverage premium in NC $2,231 | Average minimum coverage premium in NC $658 |
Age 30 | Average annual full coverage premium in NC $2,112 | Average minimum coverage premium in NC $628 |
Age 40 | Average annual full coverage premium in NC $2,041 | Average minimum coverage premium in NC $609 |
Age 50 | Average annual full coverage premium in NC $1,988 | Average minimum coverage premium in NC $600 |
Age 60 | Average annual full coverage premium in NC $1,928 | Average minimum coverage premium in NC $591 |
Age 70 | Average annual full coverage premium in NC $2,047 | Average minimum coverage premium in NC $632 |
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
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Age | Average annual full coverage premium in NC | Average minimum coverage premium in NC |
|---|---|---|
Age 16* | Average annual full coverage premium in NC $4,804 | Average minimum coverage premium in NC $1,714 |
Age 18 | Average annual full coverage premium in NC $4,527 | Average minimum coverage premium in NC $1,401 |
Age 20 | Average annual full coverage premium in NC $2,640 | Average minimum coverage premium in NC $764 |
Age 25 | Average annual full coverage premium in NC $2,231 | Average minimum coverage premium in NC $658 |
Age 30 | Average annual full coverage premium in NC $2,112 | Average minimum coverage premium in NC $628 |
Age 40 | Average annual full coverage premium in NC $2,039 | Average minimum coverage premium in NC $609 |
Age 50 | Average annual full coverage premium in NC $1,780 | Average minimum coverage premium in NC $600 |
Age 60 | Average annual full coverage premium in NC $1,928 | Average minimum coverage premium in NC $591 |
Age 70 | Average annual full coverage premium in NC $2,047 | Average minimum coverage premium in NC $633 |
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
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Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
Rates refreshed as of Sep 2024
Read our full methodology
Bankrate’s take:Insurance rates are based on risk and statistical data. Historically, men tend to have riskier driving behavior than women. In fact, Insurance Institute for Highway Safety data reveal that men are less likely to wear a seat belt and more likely to drive while intoxicated and speed. Males tend to average more miles on the road per year than their female counterparts, as well. However, North Carolina, California, Hawaii, Massachusetts, Michigan and Pennsylvania prohibit the use of gender as a rating factor when pricing policies.
Cost considerations for young drivers in North Carolina
If a young driver is still living in their parents’ household, it’s usually cheaper to keep that driver listed on their parents’ policy. By staying on their parents’ policy, new drivers get the fiscal benefit of having more experienced drivers on the policy to keep the cost lower. You can see from the rates here that the newest drivers — those who are 16 and 17 years old — pay the highest average rates. Premiums may start to lower after just one year of driving experience, provided the young driver maintains a clean driving record.
Age | Avg. annual premium for drivers in NC |
|---|---|
Age 16* | Avg. annual premium for drivers in NC $4,804 |
Age 17 | Avg. annual premium for drivers in NC $3,763 |
Age 18 | Avg. annual premium for drivers in NC $3,453 |
Age 19 | Avg. annual premium for drivers in NC $2,647 |
Age 20 | Avg. annual premium for drivers in NC $2,596 |
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Rates refreshed as of Sep 2024
Read our full methodology
Age | Avg. annual premium for drivers in NC |
|---|---|
Age 18 | Avg. annual premium for drivers in NC $4,296 |
Age 19 | Avg. annual premium for drivers in NC $2,710 |
Age 20 | Avg. annual premium for drivers in NC $2,639 |
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Rates refreshed as of Sep 2024
Read our full methodology
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 24 percent more |
| Age 19 | 2 percent more |
| Age 20 | 2 percent more |
*18- and 20-year-old are renters on their own policies with no discounts applied
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How does driving record impact the cost of car insurance in North Carolina?
Safe drivers usually enjoy the cheapest car insurance. Policyholders who are caught driving without insurance in North Carolina or who have driving incidents on their records may be viewed as high-risk drivers, which often results in higher premiums. The severity of the infraction, other marks on your record and the insurance company you choose can all impact rates. A driving under the influence (DUI) conviction has the most significant impact on your premiums in North Carolina, changing average rates by an astounding 296 percent more. The table here provides an overview of the average annual premium increase for a North Carolina policyholder with a single speeding ticket, accident or DUI on their record.
Driving incident | Avg. annual premium* in NC | Percentage increase from NC avg. annual premium* |
|---|---|---|
Clean driving record | Avg. annual premium* in NC $2,040 | Percentage increase from NC avg. annual premium* 0% |
Speeding ticket conviction | Avg. annual premium* in NC $3,037 | Percentage increase from NC avg. annual premium* 49% |
At-fault accident | Avg. annual premium* in NC $2,820 | Percentage increase from NC avg. annual premium* 38% |
DUI conviction | Avg. annual premium* in NC $8,070 | Percentage increase from NC avg. annual premium* 296% |
*The rates reflected are for full coverage policies.
Rates from Sep 2024
Read our full methodology
Car insurance rates in North Carolina by credit score
Another major factor that may contribute to your insurance rate is your credit score. In most states, major auto carriers will use credit-based insurance scores as an insurance rating factor, with drivers with higher credit scores paying lower premiums, on average.
Credit tier | Avg. annual premium* in NC | Percentage change from NC average annual premium* |
|---|---|---|
Poor | Avg. annual premium* in NC $2,845 | Percentage change from NC average annual premium* 39% |
Average | Avg. annual premium* in NC $2,172 | Percentage change from NC average annual premium* 6% |
Good | Avg. annual premium* in NC $2,040 | Percentage change from NC average annual premium* 0% |
Excellent | Avg. annual premium* in NC $1,968 | Percentage change from NC average annual premium* -4% |
*Rates reflect full coverage policies.
Rates from Sep 2024
Read our full methodology
North Carolina car insurance rates by vehicle type
The type of vehicle you drive is another impacting rating factor for North Carolina car insurance. Vehicles that have a higher statistical likelihood of an accident, fewer safety features or more expensive repair costs may cost more to insure. For example, a BMW 330i costs about 8 percent more than the state average to insure for full coverage, while a Ford F-150 costs about 13 percent less than the state average.
Vehicle | Avg. annual premium* in NC |
|---|---|
Toyota Camry | Avg. annual premium* in NC $2,040 |
Ford F-150 | Avg. annual premium* in NC $1,784 |
Honda Odyssey | Avg. annual premium* in NC $1,630 |
BMW 330i | Avg. annual premium* in NC $2,195 |
Toyota Prius | Avg. annual premium* in NC $2,045 |
*Rates reflect full coverage policies.
Rates from Sep 2024
Read our full methodology
Estimate your car insurance cost in North Carolina
Finding car insurance in NC that fits your needs and budget can be overwhelming. Getting an idea of what you might end up paying is a good place to start. Bankrate created the tool below to help drivers estimate their costs.
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These factors have the largest impact on your payment and are used to provide a personalized estimate. Based on the state you live in, some rating factors may not apply.
Why we're asking
We calculated your estimate by comparing your provided details to data from similar drivers. Our estimate assumes 2020 Toyota Camry, 12,000 miles annually, and 100/300/50 liability limits with $500 comprehensive and collision deductibles.
Methodology
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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This advertisem*nt is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisem*nt are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisem*nt. All offers are subject to additional terms and conditions.
Insurance disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How to save on car insurance in North Carolina
Generally, North Carolina car insurance is cheaper than comparable coverage in many other states. However, there are still ways to potentially shave more money off your premium.
- Shop around: Each car insurance company weighs a driver’s unique factors differently to come up with slightly different rates, which is why your insurance premium can vary from company to company. In order to find the lowest possible premium, it may help to request quotes from several companies. Use the same coverage type and policy limits in order to do an apples-to-apples comparison.
- Bundle your policies: Bundling your auto and home insurance just means buying both policies from the same company. This is generally one of the most significant discounts you can get.
- Maintain a clean driving record: Drivers with incidents like tickets, at-fault accidents and DUI convictions pay quite a bit more for car insurance coverage, on average. Practicing safe driving habits may help you avoid these costly surcharges.
- Look for discounts: In addition to bundling, most car insurance companies offer at least a handful of discount opportunities. Some of the most common include multi-policy, paperless billing and claims-free discounts.
Keep in mind that North Carolina prohibits many common discounts, though. One example is the good student discount. The state also doesn’t allow insurers to offer programs that have the potential to raise a policyholder’s premium. For instance, telematics programs that could result in an insurance premium aren’t allowed in North Carolina.
To ensure you’re taking advantage of the discounts that are available, talk to your agent or a representative from your company.
Frequently asked questions
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
Methodology
Bankrate utilizes Quadrant Information Services to analyze September 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:
40 year old
Single male and female driver
2022 Toyota Camry
Primary vehicle
Good credit score
Clean driving record
Commutes 5 days
Bodily injury liability
$100,000 per person
$300,000 per accident
Property damage liability
$50,000 per accident
Personal injury protection
$100,000 per accident
Uninsured motorist bodily injury
$100,000 per person
$300,000 per accident
Collision deductible
$500
Comprehensive deductible
$500
Other profiles
These are sample rates and should only be used for comparative purposes.
Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Reviewed by Kenneth Chavis IV
