Average Car Insurance Cost in North Carolina (2023)
By Atlas by RapidTool · Updated
Average car insurance cost in North Carolina is the typical annual premium per insured vehicle for a policy with liability, collision and comprehensive coverage: about $1,097 per year (2023 NAIC data). That is 24% below the national average of $1,439 and ranks 40 of 50 states, highest first.
- Average premium: $1,097 per year, about $91 per month
- Rank: 40 of 50 states, highest first
- Data year: 2023 (NAIC)
- Your quote depends on age, vehicle, record and coverage
Roughly $91 per month.
Highest and lowest average premiums
| State | Average annual premium |
|---|---|
| Florida | $1,994 |
| Louisiana | $1,983 |
| New York | $1,896 |
| North Dakota | $961 |
| Vermont | $958 |
| Maine | $926 |
North Carolina vs nearby states
| State | Average annual premium |
|---|---|
| North Carolina | $1,097 |
| South Carolina | $1,517 |
| Virginia | $1,238 |
| Tennessee | $1,212 |
| Georgia | $1,746 |
How it works in North Carolina
This page shows the average annual auto insurance premium in North Carolina from NAIC data for 2023. Your own price depends on age, driving record, vehicle, ZIP code and coverage. NAIC cautions that state averages reflect different coverage choices, vehicle values and state laws, so compare states with care.
What this estimate includes
- The average annual premium per insured vehicle in North Carolina for liability, collision and comprehensive coverage combined
- A comparison with the national average and with nearby states
- Not included: your personal rating factors, discounts or specific coverage choices
Common questions
Why is my car insurance quote different from the North Carolina average?
Insurers price by driver, vehicle, location and coverage. A state average is a benchmark, not a quote.
How old is this car insurance data?
The latest NAIC report available covers 2023, so current premiums are likely different.
How can I pay less for car insurance?
Compare quotes from several insurers, ask about discounts and review your coverage levels.
Estimates for planning only. See the disclaimer.
Keep exploring
Paycheck Calculator in North Carolina · Mortgage Payment in North Carolina · All North Carolina pages · Car Insurance Cost by state
Nearby states: South Carolina · Virginia · Tennessee · Georgia