Average Car Insurance Cost in North Carolina
Numbers refreshed
NAIC provides North Carolina averages for each type of coverage and shows its national rank.
- $1,233.the yearly average price of full coverage.
- The minimum liability limits are 50/100/50.
- 41st of 51.the most expensive state (1st = highest).
Average cost for each type of coverage in North Carolina
In North Carolina, full coverage costs an average of $1,233 each year. At 24% less, this cost falls below the yearly US average of $1,613.
Per insured car, spending averaged $931 in 2023 and $1,038 in 2024, a rise of 11.6%.
| Coverage in North Carolina | Per year | Per month |
|---|---|---|
| Liability | $503 | $42 |
| Collision | $497 | $41 |
| Comprehensive | $233 | $19 |
| Full coverage (all three) | $1,233 | $103 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
North Carolina compared with similar states
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| Kansas | 38th | $1,295 | $108 |
| South Dakota | 39th | $1,291 | $108 |
| Wyoming | 40th | $1,262 | $105 |
| North Carolina | 41st | $1,233 | $103 |
| Indiana | 42nd | $1,142 | $95 |
| Ohio | 43rd | $1,134 | $94 |
| Iowa | 44th | $1,133 | $94 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The number for you
Those numbers cover all ages and records. The North Carolina calculator adjusts them to yours.
More car insurance information for North Carolina
First written