Average Car Insurance Cost in North Carolina
Full-coverage car insurance in North Carolina averages about $1,900 a year ($158/mo). See how it compares to the national average.
Buying a $30,000 car in North Carolina
*$3,000 down, 7% APR, 60 months, tax rolled into the loan.
North Carolina charges a 3% Highway Use Tax instead of sales tax.
These are estimates for planning. Rates and fees change and vary by county and vehicle — confirm with your state motor vehicle agency.
Frequently asked questions
How much is car insurance in North Carolina?
Full coverage averages about $1,900 a year, or $158 a month. Minimum coverage costs much less, and your own rate depends on your age, record, ZIP code and car.
Is North Carolina car insurance more expensive than average?
No — the national average across states is about $2,386 a year, so North Carolina is below average.
How can I lower my car insurance?
Compare quotes every year, raise your deductible, bundle with home or renters insurance, and choose a car that's cheaper to insure. AutoCost AI estimates insurance for any car you analyze.