Auto Insurance in North Carolina — Average Cost 2026
Average auto insurance in North Carolina: $1,430/year ($119/month). North Carolina ranks #12 out of 51 states — below the national average.
Average annual
$1,430
Average monthly
$119
National rank
#12
of 51 states
vs national avg
-19.7%
North Carolina vs national average
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State averages are the starting point. Your actual rate depends on your individual profile. Use our calculator for a detailed estimate.
Auto insurance in North Carolina
North Carolina sits 20% below the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in North Carolina tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save North Carolina drivers hundreds of dollars annually.