Learn more about car insurance costs in North Carolina.
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Your car insurance rates are dictated by factors other than state lines. Auto insurance rates price based on myriad factors, such as your age, gender, marital status, credit, and driving history.
We examined mean North Carolina car insurance rates by all of the major rating factors. Read on to learn how much car insurance runs in each US state — or enter your zip code to receive personalized prices from top car insurance companies.
It’s a fact of life: as you age, your auto insurance rates shift. Generally speaking, auto insurance is more costly for young drivers, as car insurance companies consider inexperienced motorists as less responsible.
In North Carolina, car coverage costs $2,650 per year for a 16-year-old motorist and only $842 yearly for a driver in their 50s.
|Age||Average Annual Premium|
If you're shopping for car insurance for a teen driver, North Carolina is the 2nd cheapest state in which to buy auto insurance for a 16-year-old.
While gender does not make as large an impact on auto insurance prices as location or age, it is used as a rating factor by underwriters.
|Gender||Average Yearly Rate|
If you're worried about getting the best value for your money with your current auto insurer, the best option is to shop around.
One benefit of wedlock — in addition to the honeymoon — is the price cut you typically receive on your car insurance policy. In North Carolina, married drivers save $7 annually on car insurance policies. This is a smaller discount than the national post-nuptial discount of $76.
|Marital Status||Average Annual Premium|
Auto insurance coverage for divorced drivers in North Carolina is the absolute cheapest in the nation. If you are paying too much for your policy, shop around. You could find some serious savings!
Car insurance companies use credit score to predict how reliable a customer will be. Trended data show drivers who carry exceptional credit are usually more insurable car insurance clients: they less commonly file claims covered by insurance companies.
In the state of North Carolina, a driver with excellent credit can save $171.49 per year in car insurance premiums, contrasted with a driver with a less-favorable credit score. Read more about how credit score may impact auto insurance costs:
|Credit Tier||Average Annual Rate|
|Very Poor (300-579)||$1,006.36|
|Very Good (740-799)||$867.17|
Finding affordable car insurance if you have bad credit is sometimes hard. But The Zebra is here to help. Check out our guide to getting car insurance with bad credit and learn how to save!
If you’re determined to be at fault in an accident or convicted of a vehicular violation, your insurance rates are bound to grow. The more infractions you amass, the more costly your auto insurance gets.
In North Carolina, your first minor at-fault crash results in an additional $311.77 annually in auto insurance premiums. A DUI — among the most serious driving infractions — will lift your yearly insurance rates in North Carolina by an average of $792.25.
|Violation||Average Annual Rate|
|DUI or DWI||$1,657.53|
|At-Fault Accident (<$1,000)||$1,177.06|
|At-Fault Accident ($1,000-$2,000)||$2,750.30|
|At-Fault Accident (>$2,000)||$1,301.59|
|Speeding (21-25 MPH > limit)||$2,268.49|
|Speeding (16-20 MPH > limit)||$2,251.38|
If you're in need of affordable auto insurance, think about shopping policies to get affordable coverage that covers your vehicle appropriately.
How much you pay every month for car insurance depends on the tier of protection you select. Liability-only coverage normally costs less, while low-deductible comprehensive coverage usually costs more. In North Carolina, the rate gap between liability-only coverage and full coverage with a $500 deductible is $404.
|Coverage Level||Average Yearly Rate|
|$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only||$460|
|$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$808|
|$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$866|
|$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only||$394|
|$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$741|
|$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$798|
|State Minimum — Liability Only||$351|
|State Minimum — $1,000 Comprehensive/Collision||$697|
|State Minimum — $500 Comprehensive/Collision||$755|
If you are looking for a better deal on auto insurance, it's worth policy shopping to discover affordable coverage that fits your budget.