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Car insurance in North Carolina

North Carolina car insurance averages $1,373/yr

Ranked #7 of 51 · $-710 vs national · state minimum 50/100/50

Full-coverage average sourced from Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see methodology.

The one thing that sets North Carolina apart

Rate bureau caps hikes; SDIP point system ties premium to violations.

Minimum vs. full coverage in North Carolina

What each coverage level costs on the North Carolina average — so you can see what "going minimum" really saves, and risks.

Coverage levelEst. / yearEst. / month
Minimum$470$39
Liability Only$760$63
Full$1,370$114
Full Low Deductible$1,680$140
Minimum coverage saves about $903/yr vs full — but caps protection at 50/100/50. One at-fault crash above those limits and the gap is yours.
Minimum limits 50/100/50 per the NCDMV — insurance requirements.
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What should you actually be paying?

Six inputs. See your estimated range and whether you're above or below a typical driver in your state.

Representative estimate for planning — not a quote. Real premiums depend on your carrier, VIN, mileage, and history.

North Carolina car insurance FAQ

What's the minimum car insurance required in North Carolina?
North Carolina's state minimum is 50/100/50 — $50k bodily injury per person, $100k per accident, $50k property damage. Minimum-only runs about $470/yr but leaves you exposed above those caps.
How much is full coverage in North Carolina?
Representative full coverage averages $1,373/yr (about $114/mo), ranking North Carolina #7 of 51 states for cost.
Why is North Carolina car insurance priced the way it is?
Rate bureau caps hikes; SDIP point system ties premium to violations.