North Carolina Car Insurance Quotes & Average Rates

Full coverage car insurance in North Carolina is estimated at $1,620 a year, or $135 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $486 a year. North Carolina is an at-fault state, and drivers must carry 50/100/50 liability limits. Below you will find estimated rates for 63 North Carolina cities, a breakdown by age and driving record, and the coverage the state actually requires.

Car insurance calculator — North Carolina

Estimated from state average premiums and your rating factors. Not a quote.

ZIP code

Driver age — 35

Driving record

Vehicle type

Coverage level

Deductible

Annual mileage

Married

Your estimated premium

$135/ month

$1,620 per year · carriers in North Carolina typically quote $1,150 – $2,235

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We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in North Carolina

Insurer	Est. annual	Est. monthly	vs. average	Notes
USAA	$1,231	$103	-24%	Military members and families only
Geico	$1,328	$111	-18%	Usually cheapest for clean records
State Farm	$1,426	$119	-12%	Strong for young and student drivers
Progressive	$1,539	$128	-5%	Competitive after a ticket or accident
Travelers	$1,571	$131	-3%	Good multi-policy discounts
Nationwide	$1,620	$135	0%	Mid-market, wide availability
Allstate	$1,847	$154	+14%	Higher base rate, heavy discount stacking
Farmers	$1,960	$163	+21%	Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in North Carolina. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

North Carolina car insurance rates by age

Driver age	Full coverage / yr	Minimum / yr	Full coverage / mo
16 years old	$4,375	$1,312	$365
18 years old	$3,690	$1,107	$308
20 years old	$3,056	$917	$255
22 years old	$2,538	$761	$211
25 years old	$1,937	$581	$161
30 years old	$1,670	$501	$139
40 years old	$1,570	$471	$131
50 years old	$1,503	$451	$125
60 years old	$1,486	$446	$124
65 years old	$1,553	$466	$129
70 years old	$1,703	$511	$142
75 years old	$1,987	$596	$166

Estimated premiums by age in North Carolina, clean record, sedan.

How violations change your North Carolina premium

Driving record	Est. annual	Increase
Clean record	$1,620	—
1 speeding ticket	$1,992	+23%
1 at-fault accident	$2,381	+47%
DUI / DWI	$3,061	+89%

What a violation costs a 35-year-old in North Carolina. Surcharges normally stay on the policy for three to five years.

A DUI in North Carolina usually also triggers an SR-22 filing requirement, which most standard carriers will not write.

North Carolina minimum insurance requirements

Required coverage in North Carolina	Minimum limit
Bodily injury liability, per person	$50,000
Bodily injury liability, per accident	$100,000
Property damage liability	$50,000
Uninsured/underinsured motorist	Required
Insurance system	At-fault (tort)

Limits are set by statute and change from time to time. Confirm the current figures with the North Carolina Department of Insurance before you buy.

Coverage levels in North Carolina

Coverage level	Est. annual	Est. monthly
State minimum liability	$486	$40
Full coverage (100/300/100 + comp & collision)	$1,620	$135
Full coverage, high limits + low deductible	$1,927	$161

Coverage level comparison for North Carolina.

Car insurance rates in North Carolina cities

Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 63 North Carolina cities we price.

Charlotte$1,800 Raleigh$1,800 Greensboro$1,676 Durham$1,676 Winston-Salem$1,676 Fayetteville$1,676 Cary$1,676 Wilmington$1,552 High Point$1,552 Asheville$1,552 Greenville$1,552 Concord$1,552 Gastonia$1,552 Jacksonville$1,552 Chapel Hill$1,459 Rocky Mount$1,459 Huntersville$1,459 Burlington$1,459 Wilson$1,459 Kannapolis$1,459 Apex$1,459 Hickory$1,459 Wake Forest$1,459 Indian Trail$1,459 Mooresville$1,459 Goldsboro$1,459 Monroe$1,459 Salisbury$1,459 Holly Springs$1,459 Matthews$1,459 New Bern$1,459 Fort Bragg$1,381 Sanford$1,381 Cornelius$1,381 Garner$1,381 Thomasville$1,381 Statesville$1,381 Asheboro$1,381 Mint Hill$1,381 Fuquay-Varina$1,381 Morrisville$1,381 Kernersville$1,381 Lumberton$1,381 Kinston$1,381 Carrboro$1,381 Havelock$1,381 Shelby$1,381 Clemmons$1,381 Lexington$1,381 Clayton$1,381 Boone$1,381 Elizabeth City$1,381 Leland$1,381 Lenoir$1,381 Morganton$1,381 Hope Mills$1,381 Albemarle$1,381 Pinehurst$1,381 Laurinburg$1,381 Eden$1,381 Roanoke Rapids$1,381 Henderson$1,381 Stallings$1,381

Frequently asked questions

▸How much is car insurance in North Carolina?

Full coverage in North Carolina is estimated at $1,620 a year, or $135 a month, for a 35-year-old with a clean record. A state-minimum policy is estimated at $486 a year.

▸What car insurance is required in North Carolina?

North Carolina requires $50,000 bodily injury liability per person, $100,000 per accident and $50,000 property damage, plus uninsured/underinsured motorist.

▸Is North Carolina a no-fault state?

No. North Carolina is an at-fault (tort) state, so the driver responsible for a crash — through their liability insurance — pays for the other party's injuries and property damage.

▸Which North Carolina city has the cheapest car insurance?

Of the 63 North Carolina cities we price, Stallings carries the lowest estimate at $1,381 a year, while Charlotte is highest at $1,800. Urban density is the main driver of the gap.

▸How can I get cheaper car insurance in North Carolina?

Re-quote at every renewal rather than letting the policy roll, raise your deductible to $1,000 if you can absorb it, bundle with home or renters cover, and ask specifically about low-mileage, defensive-driving and telematics discounts. The spread between the cheapest and most expensive carrier on an identical risk is routinely close to 2x.