Find Cheaper North Carolina Car Insurance Rates in 2024
Enter your North Carolina zip code below to view companies that have cheap auto insurance rates.
Average insurance rates in North Carolina for 2024 are $810 a year including full coverage. Comprehensive, collision, and liability cost approximately $180, $328, and $210, respectively. Fayetteville and Jacksonville average the highest car insurance rates, and the two largest writers in North Carolina are Nationwide and State Farm.
Average rate for full coverage: $810
Premium estimates by individual coverage type:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Auto Insurance in North Carolina
For a driver around age 40, prices go from the low end price of $248 for just liability coverage to a high of $1,748 for a high-risk insurance policy.
These differences highlight why it is important to compare prices using their specific location, instead of depending on generic averages.
Use the form below to get accurate rates for your location.
Enter your North Carolina zip code below to view companies that have cheap auto insurance rates.
Recommended Companies for Cheap North Carolina Insurance
The chart above shows average North Carolina auto insurance prices for different risks and coverage choices. The cheapest discount price is $466. Drivers who choose higher $1,000 deductibles will pay $694. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $810. Choosing low $100 deductibles for collision and other-than-collision coverage could cost up to $1,034. High risk drivers could be charged as much as $1,748. The cost for full coverage insurance for a teenager can be as high as $2,978.
Insurance rates in North Carolina can also vary considerably based on the type of vehicle you drive, your driving record and age, and physical damage deductibles and liability limits.
The make and model of vehicle you drive is a large factor when calculating the cost of auto insurance in North Carolina. Buying a cheaper and safe model will be cheaper to insure due to cheaper repair costs and less likelihood of injuries in accidents.
This table shows car insurance premium estimates for the most popular vehicles in North Carolina.
| Make and Model | Premium | % to Avg |
|---|---|---|
| Chevrolet Silverado | $856 | 5.4% |
| Dodge Ram | $878 | 7.7% |
| Ford Escape | $674 | -20.2% |
| Ford Focus | $784 | -3.3% |
| Ford Fusion | $858 | 5.6% |
| Ford F-150 | $762 | -6.3% |
| GMC Acadia | $746 | -8.6% |
| GMC Sierra | $840 | 3.6% |
| Honda Accord | $756 | -7.1% |
| Honda Civic | $886 | 8.6% |
| Honda CR-V | $656 | -23.5% |
| Honda Pilot | $768 | -5.5% |
| Hyundai Sonata | $822 | 1.5% |
| Kia Optima | $838 | 3.3% |
| Nissan Altima | $834 | 2.9% |
| Nissan Rogue | $814 | 0.5% |
| Toyota Camry | $826 | 1.9% |
| Toyota Corolla | $808 | -0.2% |
| Toyota Prius | $752 | -7.7% |
| Toyota RAV4 | $764 | -6% |
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Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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Your auto insurance company influences the cost of coverage. Each company sets their own rates, and prices can change based upon different risk factors. In North Carolina, car insurance prices range from $645 with Progressive to as much as $1,075 with Allstate. Companies like Utica National, Liberty Mutual, and NC Farm Bureau fall somewhere in between.
These are probably not the prices you would have to pay, as your location, your driving history, and the type of vehicle you drive all factor in.| Rank | Company | Market Share | Average Rate |
|---|---|---|---|
| 1 | Nationwide | 15.88% | $910 |
| 2 | State Farm | 14.71% | $764 |
| 3 | Geico | 9.42% | $735 |
| 4 | Farm Bureau | 9.29% | N/A |
| 5 | Allstate | 9.24% | $1,075 |
| 6 | USAA | 7.43% | N/A |
| 7 | AmTrust | 7.37% | N/A |
| 8 | Progressive | 4.82% | $645 |
| 9 | Erie Insurance | 3.57% | $913 |
| 10 | Liberty Mutual | 3.28% | $714 |
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra
Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $800 a year for full coverage. Prices are highest for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $2,900 a year. View Rates by Age
If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,000 to $1,300 extra per year, depending on your age. A high-risk auto insurance policy can be from 44% to 138% more than average. View High Risk Driver Rates
Choosing high deductibles could cut prices by as much as $340 annually, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $189 more per year. View Rates by Deductible or Liability Limit
Where you live in North Carolina has a huge impact on auto insurance prices. Less congested rural areas might see rates around $600 a year, whereas some neighorhoods in Fayetteville and Jacksonville could have rates closer to $1,100. Even different neighborhoods with close proximity in the same city can have significantly different rates.
These wide price ranges demonstrate why it is so important to get rates for your specific North Carolina zip code.
With so much variability in prices, the best way to figure out which insurance company is cheapest is to get quotes from multiple companies. Each insurance company uses a different rate calculation, so the rates can be significantly different.
North Carolina Auto Insurance Articles
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $2,978 |
| 20 | $1,870 |
| 30 | $848 |
| 40 | $810 |
| 50 | $740 |
| 60 | $724 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,034 |
| $250 | $932 |
| $500 | $810 |
| $1,000 | $694 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $810 |
| 50/100 | $852 |
| 100/300 | $905 |
| 250/500 | $1,041 |
| 100 CSL | $873 |
| 300 CSL | $989 |
| 500 CSL | $1,073 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,254 |
| 20 | $2,966 |
| 30 | $1,790 |
| 40 | $1,748 |
| 50 | $1,666 |
| 60 | $1,652 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $43 |
| Multi-vehicle | $42 |
| Homeowner | $11 |
| 5-yr Accident Free | $61 |
| 5-yr Claim Free | $52 |
| Paid in Full/EFT | $38 |
| Advance Quote | $40 |
| Online Quote | $57 |
| Total Discounts | $344 |
Discounts are estimated and may not be available from every company or in every state.
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