North Carolina Car Insurance Calculator
The numbers were refreshed
Answer three questions. No name, email or phone needed. For North Carolina, the average is already set.
1 of 2
What's the age of the main driver?
2 of 2
How much cover do you want?
Priced from the NAIC state averages, state rate guides and IIHS-HLDI loss results. How the estimate works
Behind the estimate: North Carolina averages
The calculator begins with NAIC averages for North Carolina, then adjusts based on age, driving record and the car.
| 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).
How the estimate shifts
| Driver | Price compared with an adult, clean record |
|---|---|
| 16 to 24 | x 3.11 |
| 25 to 64 | x 1.00 |
| 65 or older | x 0.94 |
| Clean record | x 1.00 |
| One speeding ticket | x 1.22 |
| One at-fault accident | x 1.50 |
Source: Texas Department of Insurance / OPIC: HelpInsure.com auto sample rates (public form data endpoint https://www.helpinsure.com/api/autoResults behind https://www.helpinsure.com/auto.html); HelpInsure.com Company FAQ (TDI): sample rates are liability-only; DC Department of Insurance, Securities and Banking: 2024 Automobile Insurance Premium Comparison, Sample Profiles (6 month policy).
More about car insurance in North Carolina
Originally written