Full Coverage Car Insurance in North Carolina
Numbers refreshed
Based on the North Carolina averages, the price covers liability, collision and cover for non-collision damage.
- $103.That's the average monthly cost of full coverage.
- 50/100/50.The minimum liability limits.
- 41st of 51.in the ranking of costliest states (1st = highest).
North Carolina: what full coverage costs
Full coverage means liability, collision and cover for non-collision damage. Those two parts cost $730 a year in North Carolina, added to the $503 liability average.
| 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).
The point when full coverage stops being worth it
While you still owe money on the car, lenders and lease companies require full coverage.
After the car is paid off, weigh what it's worth against the $730 a year that extra cover costs. Should one bad year of premiums buy most of the car, going with liability only usually makes more sense.
North Carolina: full coverage by car
Based on IIHS-HLDI loss results, these are estimates for an adult driver with a clean record. Of the 40 models we price, the cheapest and the dearest:
| Car | Per year | Per month |
|---|---|---|
| Honda CR-V | $797 | $66 |
| Honda Pilot | $801 | $67 |
| Subaru Outback | $851 | $71 |
| Toyota RAV4 | $920 | $77 |
| Mercedes-Benz C-Class | $1,722 | $143 |
| Chevrolet Camaro | $1,984 | $165 |
| Dodge Charger | $2,182 | $182 |
| Dodge Challenger | $2,313 | $193 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
Other car insurance topics in North Carolina
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