Candace Baker, Car Insurance Writer
@candacebaker
Car insurance in North Carolina costs $43 per month or $511 per year for minimum coverage, on average. The cheapest car insurance companies in North Carolina are EMC Insurance, Auto-Owners, and Farmers Mutual Insurance of Nebraska, and getting quotes from several companies can help you find the best deal.
The average cost of car insurance in North Carolina is 35% lower than the national average auto insurance premium. There are several factors that affect how much you'll pay for car insurance in North Carolina, including your driving record, age and location, the amount of coverage you purchase, and the insurance company you buy it from.
Average Cost of Car Insurance in North Carolina by Category
- After an at-fault accident: $152 per month
- Driver with poor credit: $59 per month
- Teen driver: $145 per month
- After a DUI: $168 per month
Average Cost of Car Insurance in North Carolina by Company
Company | Minimum Coverage | Full Coverage |
$1,132 per year | $2,787 per year | |
$323 per year | $945 per year | |
$473 per year | $1235 per year | |
$710 per year | $1,692 per year | |
$481 per year | $1,385 per year | |
$320 per year | $1164 per year | |
$362 per year | $1,085 per year | |
$547 per year | $1,660 per year | |
$383 per year | $1113 per year | |
$360 per year | $1,183 per year |
Note: Rates are an approximation based on a 45-year-old man in North Carolina with a clean driving record. Actual rates will vary.
Average Cost of Car Insurance in North Carolina by Age
Age | Average Premium |
$1,738 per year | |
$1,325 per year | |
$1,119 per year | |
$625 per year | |
$617 per year | |
$584 per year | |
$578 per year | |
$570 per year | |
$562 per year | |
$534 per year | |
$512 per year | |
$511 per year | |
$498 per year | |
$511 per year |
Note: Rates are an approximation based on a driver in North Carolina with minimum coverage and a clean driving record. Actual rates will vary.
How to Lower the Cost of Car Insurance in North Carolina
- Shop around and compare quotes. We recommend comparing quotes from at least three different insurance companies to make sure you are getting the best rate.
- Choose a higher deductible. Your deductible is the amount you have to pay out of pocket before your insurance kicks in. Choosing a higher deductible can lower your premiums but means you will have to pay more out-of-pocket when you file a claim.
- Consider lowering your coverage. Consider purchasing only the minimum amount of coverage required by your state, rather than purchasing higher limits or a full coverage policy.
- Look for discounts you may be eligible for. For instance, most insurance companies offer a good-driver discount for customers with a clean driving record, a good-student discount, or a discount for paying your premiums in full up front.
To learn more, check out our guide to how much car insurance you need in North Carolina as well as our picks for the cheapest car insurance companies in North Carolina.
People also ask
How much car insurance do I need in North Carolina?
Drivers in North Carolina need $30,000 of bodily injury liability insurance per person (up to $60,000 per accident) and $25,000 of property damage liability insurance. North Carolina also requires uninsured motorist protection. UM replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits.
Here’s How Much Car Insurance Drivers Need in North Carolina:
| Coverage Type | Minimum Coverage Limit |
| ... | $30,000 |
Why is North Carolina car insurance so expensive?
Car insurance in North Carolina is actually not very expensive compared to the national average, thanks to its mostly rural population and state laws that create insurance caps. In North Carolina, you can expect to pay around $2,219 per year for full coverage car insurance, compared to the national average of $4,211 per year. Car insurance in North Carolina is less expensive than the national average, which is around $4,211 per year for full coverage and about $1,407 per year for minimum coverage.
The...
read full answerWhat is the penalty for driving without insurance in North Carolina?
The penalties for driving without insurance in North Carolina include fines and the suspension of your registration. To avoid these consequences, North Carolina drivers need at least $30,000 in bodily injury liability coverage (up to $60,000 per accident), along with $25,000 in liability coverage for property damage. You'll need uninsured/underinsured motorist coverage equal to the minimum liability limits, too.
Drivers in North Carolina pay an average of $477 per year to maintain the minimum...
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