What's the Average Cost of Auto Insurance in North Carolina?

The Zebra
Feb. 8, 2019

Car insurance is affordable in North Carolina. The average car insurance premium in North Carolina is $865 per year — less than the nationwide average by 39.4%.

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.


Find a cheap policy today!



Average North Carolina car insurance rates by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Mean Car Insurance Rates in North Carolina by Age

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.


NORTH CAROLINA AUTO INSURANCE COSTS BY AGE
AgeAverage Annual Premium
16$2,649.93
17$2,062.91
18$1,816.06
19$924.79
20s$875.07
30s$858.96
40s$849.97
50s$842.29
60s$857.75
70s$895.77

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.




Average Car Insurance Premiums in North Carolina by Gender

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.


NORTH CAROLINA AUTO INSURANCE PREMIUMS FOR MEN VS. WOMEN
GenderAverage Yearly Rate
Male$859.45
Female$863.11

If you're worried about getting the best value for your money with your current auto insurer, the best option is to shop around.




Mean Auto Insurance Rates in North Carolina by Marital Status

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.


NORTH CAROLINA AUTO INSURANCE RATES BY MARITAL STATUS
Marital StatusAverage Annual Premium
Single$859.45
Married$865.99
Divorced$859.45
Widowed$859.45

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!


Compare leading insurers now!




Average Car Insurance Prices in North Carolina by Credit

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:


NORTH CAROLINA AUTO INSURANCE COSTS BY CREDIT
Credit TierAverage Annual Rate
Very Poor (300-579)$1,006.36
Fair (580-669)$983.54
Good (670-739)$935.89
Very Good (740-799)$867.17
Exceptional (800-850)$834.87

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!




Average Car Insurance Prices for High-Risk Drivers in North Carolina

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.


NORTH CAROLINA CAR INSURANCE PRICES WITH VIOLATIONS
AgeAverage Annual Rate
DUI or DWI$1,657.53
Reckless Driving$3,635.90
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
Open Container$2,509.97
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.




Average Car Insurance Premiums by Coverage Amount in North Carolina

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.


NORTH CAROLINA AUTO INSURANCE PREMIUMS BY COVERAGE TYPE
Coverage LevelAverage 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.


Compare rates now!