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North Carolina Average Cost of Car Insurance Rates (2022)

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Car Insurance
Courtney Roy

By: Courtney Roy

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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How Much Does Car Insurance Cost In North Carolina?

On average, car insurance rates for drivers in North Carolina are $131 per month, and $1574 per year. The average rates make North Carolina the 50th most expensive state in the country for car insurance rates and 70% less expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $13150%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best North Carolina Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in North Carolina and has selected the following providers and quotes as the best rates for drivers in North Carolina.

Cheapest CompaniesQuotes
Allstate$33
Progressive$35
State Farm$44
GEICO$52
Travelers$62

North Carolina Car Insurance Rates by City

For drivers in North Carolina, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in North Carolina.

CityAvg. Monthly Rate
Asheville$101
Cary$109
Charlotte$149
Durham$124
Fayetteville$159
Gastonia$133
Greensboro$127
Raleigh$127
Wilmington$115
Winston Salem$116

What Is the Average Cost of Car Insurance in North Carolina by Age?

Most North Carolina teens can avoid jumping on mom and dad's policy if they have a job. Young adults, who have more driving experience and are therefore less risky to insure, see savings of $45 per month when compared to teenage drivers. That's $480 in savings per year!

The slide in average costs continues into one’s 30s, hits a speed bump in the 40s, and comes back down for drivers in their 50s. Those approaching retirement slash average premiums even further, with an average monthly payment under $100. Folks in their 70s and 80s also enjoy a stellar deal, seeing average monthly rates of more than $30 below the state's average monthly cost.

AgeAvg. Monthly Rate
Teens$190
20s$145
30s$117
40s$128
50s$117
60s$94
70s$97
>80s$95

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What Is the Average Cost of Car Insurance in North Carolina by Gender?

Men pay five percent more than women for car insurance in North Carolina. That’s because women are statistically safer drivers than men and are therefore considered less risky to insure.

GenderAvg. Monthly Rate
Male$134
Female$128

Does Marital Status Influence the Average Cost of Car Insurance in North Carolina?

The married pay $3 more for car insurance on average than their single counterparts in the Tar Heel State.

Economists and other financial experts still argue that marriage is a boon to the average person’s bank account. They cite greater financial stability, tax benefits, and higher average net worth as benefits.

Marital StatusAvg. Monthly Rate
Married$133
Single$130

What Are the Minimum Car Insurance Requirements in North Carolina?

The Tar Heel State requires you have liability insurance and uninsured/underinsured coverage. State law states you must have $30,000 in bodily injury liability per person and $60,000 per accident, $25,000 in property damage liability per accident, and $30,000 in uninsured/underinsured motorist bodily per person, and $60,000 in underinsured motorist bodily per accident. To cover your car itself, buy comprehensive and collision coverage.

north-carolina

How Does Credit History Affect North Carolina Car Insurance Rates?

North Carolina, like most states, allows insurance companies to set rates based on credit.

The good news is only a single dollar makes up all the difference between drivers with poor, average, and good credit. Drivers with excellent credit save another $15 per month, and you can get there by boosting your credit score above 800.

Credit HistoryAvg. Monthly Rate
Poor$128
Average$128
Good$129
Excellent$114

What Is the Average Cost of Car Insurance in North Carolina for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in North Carolina will pay $18 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $17. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving HistoryAvg. Monthly Rate
No Violation$122
At-Fault Accident$139
Speeding$140

Tips for Researching North Carolina Car Insurance Rates

North Carolina's insurance prices and policies vary by location, insurer, and driver. The Tar Heel State's growth continues to outpace the rest of the South and the nation as a whole. Even with the booming population, premiums should stay in the relatively inexpensive range for the near future.
Try Insurify ’s comparison tool to line up 10+ real quotes and unlock savings and discounts. In less than two minutes, you can find the coverage you deserve at a price you can afford.

Top Auto Insurance Companies

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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - North Carolina Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county North Carolina. Insurify analyzed the latest data for the five most populous cities in North Carolina to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in North Carolina and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Courtney Roy
Courtney Roy

Content Writer at Insurify

Courtney Roy is a financial and technology copywriter. He creates content that makes an actionable difference in the life of his readers. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering. He and his wife chase their five kids in the Phoenix, Arizona sun. You can learn more at thecopyprophet.com.

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