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

The Zebra
Oct. 11, 2018

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

Your car insurance rates are affected by factors other than state lines. Auto insurance premiums price based on a number of components, such as your age, credit rating, driving history, gender, and marital status.

We analyzed average North Carolina car insurance rates by each of the major rating factors. See below how much auto insurance costs in your location — or enter your zip code to receive personalized quotes from top auto insurance companies.


Average Auto Insurance Costs in North Carolina by Age

It’s a fact of life: as you age, your car insurance prices change. Generally, auto insurance is pricier for young drivers, as underwriters see inexperienced drivers as less responsible.

In North Carolina, car insurance runs $2,650 each year for a 16-year-old driver, versus $842 annually for a driver in his or her 50s.


NORTH CAROLINA CAR INSURANCE PRICES BY AGE
Age Average Annual Rate
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



Average Auto Insurance Outlays in North Carolina by Gender

While gender doesn’t have as large an impact on car insurance rates as location or age, it is used as a rating factor. Men pay less than do women for car insurance in North Carolina, but the difference is only $3.66 annually.

NORTH CAROLINA CAR INSURANCE PRICES BY GENDER
Gender Average Yearly Premium
Male $859.45
Female $863.11



Average Car Insurance Rates in North Carolina by Marital Status

A benefit of wedlock — aside from the honeymoon — is the better deal you often earn on your car insurance policy. In North Carolina, wedded drivers save $7 each year on car insurance policies. This is a smaller discount than the national savings of $76.


NORTH CAROLINA CAR INSURANCE COSTS BY MARITAL STATUS
Marital Status Average Annual Premium
Single $859.45
Married $865.99
Divorced $859.45
Widowed $859.45



Mean Auto Insurance Rates in North Carolina by Credit History

Car insurance underwriters use credit to predict a potential customer's insurability. Historical data show motorists with solid credit histories are more reliable car insurance customers: they less frequently file claims insurance companies have to reimburse.

In North Carolina, a car insurance client who maintains outstanding credit can save $171.49 each year on auto insurance, compared to a driver with a low credit rating. Learn more about how credit score can impact car insurance expenses:


NORTH CAROLINA CAR INSURANCE COSTS BY CREDIT TIER
Credit Level Average Yearly 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



Average Car Insurance Costs for Risky Drivers in North Carolina

If you've been defined as at fault in a driving incident or found guilty of a driving infraction, your insurance rates are bound to rise. The more violations you accumulate, the pricier your auto insurance gets.

In North Carolina, your first at-fault fender bender results in a penalty of $311.77 each year in car insurance premiums. A DUI — considered one of the most serious driving violations — may increase your yearly insurance rates in North Carolina by an average of $792.25.


NORTH CAROLINA AUTO INSURANCE PREMIUMS AFTER INFRACTIONS
Age Average Yearly Premium
DWI/DUI $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 your car insurance premiums cost more than average, consider weighing rates to get reasonably priced coverage that suits you.


Find a cheap policy today!

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