- Average car insurance cost in North Carolina is $966 per year, or around $81 per month.
- When compared to other southeastern states, North Carolina ranks #1 out of 12 states for auto insurance affordability and ranks third overall for the entire U.S.
- Cheap car insurance in North Carolina can be found on compact SUVs driven by older drivers with good credit, clean driving records, and multiple policy discounts.
How much is car insurance in North Carolina?
average car policy cost in North Carolina is $ 966 per year, which is 37.7 % less than the overall national median rate of $ 1,551. average car indemnity cost per calendar month in North Carolina costs around $ 81 for broad coverage. The rate you ’ ll pay depends on a distribute of factors, but one of the biggest is the model of vehicle you drive.
car indemnity 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 $ 996, the Chevrolet Silverado at $ 1,038, the Jeep Grand Cherokee at $ 1,068, and the Honda CR-V at $ 784 per class. high end models like the Lexus GX 460, the Volvo XC60, and the Acura ILX cost an average of $ 1,122, $ 1,042, and $ 898 per year, respectively, for full-coverage car insurance. Luxury models generally cost a little more to insure each month ascribable to their higher refilling price values. The graph below shows average car indemnity cost in North Carolina for all 2022 models. Rates are averaged for all North Carolina Zip Codes and shown for unlike driver ages and policy deductible amounts. Get Rates in Your Area Why is this important ? Chart Data Details: Chart shows average North Carolina car insurance rates for 2022 model class vehicles with condom driver and claim-free discounts applied. Full-coverage rates are averaged for all North Carolina zip codes.
Data last updated on February 20, 2022
| 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 cable car insurance rates in the graph above scope 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 price well. When annual rates are converted to a monthly sum, the average cost of car insurance per calendar month in North Carolina ranges from $ 61 to $ 186 for the rates shown in the chart. cable car insurance rates for adolescent drivers are not included in the chart, but expect to pay quite a piece more if you are insuring a 16 to 19-year-old anywhere in North Carolina. median 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 car 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 class for 18-year-olds. It ’ mho normal for rates to fluctuate not only between companies, but besides for the same company based on their most holocene rate filing with the North Carolina Department of Insurance. The best way to ensure you ’ re getting the best hand justly now is to get some North Carolina cable car policy quotes .
Is car insurance expensive in North Carolina?
When compared to surrounding states, median North Carolina cable car indemnity 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 state, the average monetary value of cable car indemnity 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 exemplar in dollar amounts rather of percentages of how car policy rates in North Carolina comparison to surrounding states. This case uses the Toyota Camry as the rated fomite with a 40-year-old male as the rated driver. average car indemnity price on a 2022 Toyota Camry in North Carolina is $ 996 per year. This measure is :
- $450 per year cheaper than insuring the same vehicle in South Carolina ($1,446)
- $520 per year cheaper than in Georgia ($1,516)
- $284 per year cheaper than in Alabama ($1,280)
- $486 per year cheaper than in Mississippi ($1,482)
- $244 per year cheaper than in Tennessee ($1,240)
The chart below shows how modal car policy cost in North Carolina compares to early states in the southeastern part of the United States. North Carolina ranks # 1 out of 12 states in the Southeast area for brassy cable car insurance rates, and ranks # 3 out of all 50 states for car indemnity affordability. entirely the states of Ohio and New Hampshire have cheaper average cable car indemnity rates than North Carolina. 
| 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 car policy rates for each different vehicle segment. Rates range from an average of around $ 930 per year for compendious SUVs like the Toyota RAV4 and Honda CR-V up to the most expensive rates on lavishness models and sports cars that can range from about $ 1,500 to over $ 2,000 per year. Get Rates in Your Area Why is this authoritative ? Chart Data Details: Average North Carolina car policy 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 February 20, 2022
| Vehicle Segment | Annual Rate | Monthly Rate |
|---|---|---|
| Compact SUV | $884 | $74 |
| Midsize Pickup | $920 | $77 |
| Compact Car | $946 | $79 |
| Midsize SUV | $986 | $82 |
| Minivan | $1,004 | $84 |
| Midsize Car | $1,006 | $84 |
| Half-ton Pickup | $1,050 | $88 |
| Compact Luxury SUV | $1,086 | $91 |
| Compact Luxury Car | $1,096 | $91 |
| Large SUV | $1,110 | $93 |
| Large Car | $1,118 | $93 |
| Heavy Duty Pickup | $1,140 | $95 |
| Midsize Luxury SUV | $1,176 | $98 |
| Midsize Luxury Car | $1,278 | $107 |
| Sports Car | $1,364 | $114 |
| Large Luxury SUV | $1,466 | $122 |
| Large Luxury Car | $1,576 | $131 |
Which vehicles have cheap car insurance in North Carolina?
When all fomite segments are compared, the Subaru Forester and Honda CR-V have the cheap car indemnity rates in North Carolina. They cost an average of $ 874 and $ 784 per class, respectively. The list below shows the vehicle with the cheap cable car indemnity 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 cheap car policy rates in North Carolina are belittled to mid-size cars and SUVs. The board below ranks the top 30 cheapest vehicles to insure in the state of matter of North Carolina for the 2022 model year .
Get Rates in Your Area Why is this important ? Table Data Details: Average car policy rate for each model assumes a 40-year-old married male driver with a clean drive record and no at-fault accidents. dependable 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 February 20, 2022
North Carolina car insurance rates for popular vehicles
The charts below show average car indemnity 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 modal of $ 858 per year and ranges from $ 712 to $ 1,926 per class for the sample driver gamble profiles shown in the chart below.
The Rogue is considered a pack SUV, and other popular models include the Honda CR-V, Toyota RAV4, Subaru Forester, Mazda CX-5, and Ford Escape. Get Rates in Your Area Why is this important ? Chart Data Details: average rates are for a 2022 mannequin 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 gloomy and high deductible estimates which are $ 100 and $ 1,000, respectively. median Nissan Rogue car insurance price in North Carolina includes all Zip Codes and vehicle clean-cut levels.
Data last updated on February 20, 2022
| Driver Risk Profile | Annual Rate | Monthly Rate |
|---|---|---|
| High Risk Driver Age 30 | $1,926 | $161 |
| Safe Driver Age 20 | $1,690 | $141 |
| At-fault Accidents Age 40 | $1,200 | $100 |
| Low Deductibles Age 40 | $1,112 | $93 |
| Safe Driver Age 30 | $902 | $75 |
| Safe Driver Age 40 | $858 | $72 |
| Safe Driver Age 50 | $778 | $65 |
| Safe Driver Age 60 | $764 | $64 |
| High Deductibles Age 40 | $726 | $61 |
| Discount Rate Age 40 | $712 | $59 |
Toyota Tacoma insurance rates
Toyota Tacoma cable car indemnity rates in North Carolina roll from $ 736 to $ 2,014 per year for the driver profiles in the chart below. Tacoma policy costs an average of $ 884 per class or $ 74 per calendar month in North Carolina. The Toyota Tacoma belongs to the midsize pickup hand truck section, and other democratic models include the Ford Ranger, Chevy Colorado, Jeep Gladiator, and Honda Ridgeline. Get Rates in Your Area Why 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 pace discounts including multi-vehicle, multi-policy, homeowner, and others. physical damage deductibles are $ 500 except for moo and high deductible estimates which are $ 100 and $ 1,000, respectively. median Toyota Tacoma car policy monetary value in North Carolina includes all Zip Codes and vehicle tailored levels.
Data last updated on February 20, 2022
| Driver Risk Profile | Annual Rate | Monthly Rate |
|---|---|---|
| High Risk Driver Age 30 | $2,014 | $168 |
| Safe Driver Age 20 | $1,764 | $147 |
| At-fault Accidents Age 40 | $1,248 | $104 |
| Low Deductibles Age 40 | $1,162 | $97 |
| Safe Driver Age 30 | $934 | $78 |
| Safe Driver Age 40 | $884 | $74 |
| Safe Driver Age 50 | $808 | $67 |
| Safe Driver Age 60 | $794 | $66 |
| High Deductibles Age 40 | $742 | $62 |
| Discount Rate Age 40 | $736 | $61 |
Honda Civic insurance rates
The graph below shows average Honda Civic indemnity rates in North Carolina for different driver ages and hazard profiles. annual price ranges from $ 712 to $ 1,922 per year for the case driver risk profiles, with average cost being $ 854 per year. The Honda Civic is a compact cable car and early like models include the Toyota Corolla, Nissan Sentra, Hyundai Elantra, and Volkswagen Jetta. Get Rates in Your Area Why is this important ? Chart Data Details: modal rates are for a 2022 mannequin year Honda Civic with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all potential rate discounts including multi-vehicle, multi-policy, homeowner, and others. physical price deductibles are $ 500 except for low and high deductible estimates which are $ 100 and $ 1,000, respectively. average Honda Civic car policy cost in North Carolina includes all Zip Codes and vehicle trim levels.
Data last updated on February 20, 2022
| Driver Risk Profile | Annual Rate | Monthly Rate |
|---|---|---|
| High Risk Driver Age 30 | $1,922 | $160 |
| Safe Driver Age 20 | $1,686 | $141 |
| At-fault Accidents Age 40 | $1,200 | $100 |
| Low Deductibles Age 40 | $1,108 | $92 |
| Safe Driver Age 30 | $900 | $75 |
| Safe Driver Age 40 | $854 | $71 |
| Safe Driver Age 50 | $780 | $65 |
| Safe Driver Age 60 | $766 | $64 |
| High Deductibles Age 40 | $724 | $60 |
| Discount Rate Age 40 | $712 | $59 |
Ford Explorer insurance rates
average Ford Explorer insurance rates in North Carolina as shown in the chart below scope from $ 770 to $ 2,090 per year, with the average cost being $ 928. 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 Area Why is this significant ? Chart Data Details: average rates are for a 2022 model class Ford Explorer with dependable driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all potential rate discounts including multi-vehicle, multi-policy, homeowner, and others. physical price deductibles are $ 500 except for low and high deductible estimates which are $ 100 and $ 1,000, respectively. average Ford Explorer cable car indemnity cost in North Carolina includes all Zip Codes and vehicle trim levels.
Data last updated on February 20, 2022
| Driver Risk Profile | Annual Rate | Monthly Rate |
|---|---|---|
| High Risk Driver Age 30 | $2,090 | $174 |
| Safe Driver Age 20 | $1,832 | $153 |
| At-fault Accidents Age 40 | $1,298 | $108 |
| Low Deductibles Age 40 | $1,214 | $101 |
| Safe Driver Age 30 | $978 | $82 |
| Safe Driver Age 40 | $928 | $77 |
| Safe Driver Age 50 | $844 | $70 |
| Safe Driver Age 60 | $828 | $69 |
| High Deductibles Age 40 | $780 | $65 |
| Discount Rate Age 40 | $770 | $64 |
Ford F150 insurance rates
The average cost for Ford F150 policy in North Carolina is $ 934 per year. The chart below shows rates for extra driver profiles and prices range from $ 776 to $ 2,114 per year for the data shown below. The Ford F-150 is a life-size pickup truck and other comparable half-ton pickups include the Chevy Silverado, GMC Sierra, Toyota Tundra, and Ram 1500. Get Rates in Your Area Why 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 hazard profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. physical wrong deductibles are $ 500 except for first gear and eminent deductible estimates which are $ 100 and $ 1,000, respectively. average Ford F150 car policy cost in North Carolina includes all Zip Codes and vehicle trim levels.
Data last updated on February 20, 2022
| 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 number below shows some of the larger cities in North Carolina and their respective annual and monthly average car insurance rates. Visit any foliate for detail 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 $95 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.