Find affordable insurance that works for you in North Carolina. Compare quotes from over 100 top companies.
Across the Tar Heel State, there are 221,456 miles of road just waiting to be driven. Read on to learn how much auto insurance costs in North Carolina based on the most common rating factors. Or, enter your ZIP code above to receive free personalized quotes and ensure you are getting the best price for your insurance.
Compare quotes from over 20 insurance companies that provide coverage throughout North Carolina. Enter your ZIP code below to get started.
Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. North Carolina drivers without a recent speeding ticket typically save 32% on their car insurance premiums — far exceeding the 17% national average. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
|Rating Factor||$ Savings||% Savings|
|No Traffic Tickets||$423||32.96%|
Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In North Carolina, the typical teen driver pays $2,583 per year — approximately half the national average for teens, but more than twice the statewide average for all drivers in the Tarheel State.
|Age||Annual Rate with Parents||Annual Rate Alone|
If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 48% after a DUI, 33% after an at-fault accident, and 32% after a speeding ticket in North Carolina. The post-citation penalties assessed by car insurance companies after violations and at-fault accidents in North Carolina are substantially higher than nationwide averages. If you have a clean driving record, be sure to check for good-driving discounts from your insurer.
|Rating Factor||Annual Rate||% Increase|
Every auto insurance company advertises its cheap prices. But as with any product, the most affordable car insurance option is not always the finest choice. Considering what's at stake, it's worthwhile to do the homework to discover an insurance policy that will cover your car completely in the event of a collision. It's worth contrasting options to find a great value, rather than settling for the cheapest car insurance you can find.
Review top insurance companies' financial strength and claims satisfaction levels to better understand the quality of service they will provide. Claims satisfaction — measured by J.D. Power — is rated on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Poor" to "Superior" — assesses an insurance company's financial strength and ability to satisfy its policy and contractual obligations.
|Insurance Company||Claims Satisfaction (J.D. Power)||Financial Strength (A.M. Best)|
|Penn National||Not Rated||Excellent|
|Utica National||Not Rated||Excellent|
The minimum insurance requirement in North Carolina is $30,000 Bodily Injury per person, $60,000 Bodily Injury per accident, and $25,000 Property Damage per accident.
For the minimum required coverage in North Carolina, you can expect to owe an average of $428 each year. This average cost is cheaper than the U.S. average by 35%. If you opt for better car insurance coverage, you can choose a policy with comprehensive and collision coverage, insuring against damages caused by car-on-car collisions, auto theft, or weather incidents. Better car insurance has a cost: in North Carolina, a comprehensive policy with a $1,000 deductible costs $814, 90% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 104% more than for a liability-only policy.
Analyze average premiums for liability-only and comprehensive coverage levels in the table below.
|Location||Liability-Only||Comprehensive — $1,000 Deductible||Comprehensive — $500 Deductible|
In North Carolina, drivers are required to maintain auto insurance at or above the below levels:
North Carolina has a seven-year lookback period. Each subsequent DWI within a seven-year period leads to enhanced penalties.
There are five levels of misdemeanor DWI offenses in North Carolina. Judges use mitigating factors to determine which level to apply to an intoxicated individual. Such mitigating factors include:
If you receive a ticket, your auto insurance premiums may get more expensive. By how much depends on the specific citation, your insurance company's pricing strategy, and local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
See below average auto insurance rates in North Carolina after some common violations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$4,358||360%||$3,411|
|Refused Breathalyzer/Chemical Test||$4,011||324%||$3,064|
|Driving with a Suspended License||$2,763||192%||$1,816|
|Driving with an Open Container||$1,275||35%||$328|
|Operating a Vehicle Without Permission||$1,275||35%||$328|
|Passing a School Bus||$1,718||81%||$771|
|Following Too Closely||$1,403||48%||$456|
|Failure to Stop at a Red Light||$1,275||35%||$328|
|Driving Wrong Way/Wrong Lane||$1,275||35%||$328|
|Failure to Yield||$1,275||35%||$328|
|Speeding in a School Zone||$1,300||37%||$353|
|Driving Too Slowly||$1,300||37%||$353|
|Driving with Expired Registration||$1,265||34%||$318|
|Failure to Show Documents||$1,142||21%||$195|
|Failure to Use Child Safety Restraint||$1,265||34%||$318|
|Failure to Wear a Seat Belt||$1,265||34%||$318|
|Driving Without Lights||$1,265||34%||$318|
NC Farm Bureau offers the cheapest premiums for North Carolina drivers with an average rate of $426 for a six-month policy, or $71 per month. If you're interested in seeing quotes from multiple insurance companies, use our comparison tool to get started.
The average cost of car insurance in North Carolina is $873 per year for full coverage or $428 for liability-only.
North Carolina requires bodily injury and liability limits of 30/60/25 along with uninsured and underinsured motorist coverage.
Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Asheville, North Carolina, and the most expensive in Fayetteville, North Carolina.
|Rank||City||Avg. Annual Premium|