We've gathered essential tips to help you shop for car insurance confidently and save in the Tar Heel State.
Car Insurance Calculator North Carolina
Updated: April 23, 2025
Advertising & Editorial Disclosure
Get North Carolina Car Insurance Estimates
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
$157
High
$109
Average
$68
Low
Rates updated:
Apr 23, 2025
| Insurance Carrier | MoneyGeek Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 96 /of 100 | $68 | |
| 2 |  Nationwide | 92 /of 100 | $83 |
| 3 | 75 /of 100 | $92 | |
| 4 |  GEICO | 75 /of 100 | $110 |
| 5 | 76 /of 100 | $143 | |
| 6 | 63 /of 100 | $157 |
MoneyGeek Score
96
/of 100
Average Monthly Payment$68/mo
2
Nationwide
MoneyGeek Score
92
/of 100
Average Monthly Payment$83/mo
MoneyGeek Score
75
/of 100
Average Monthly Payment$92/mo
4
GEICO
MoneyGeek Score
75
/of 100
Average Monthly Payment$110/mo
MoneyGeek Score
76
/of 100
Average Monthly Payment$143/mo
MoneyGeek Score
63
/of 100
Average Monthly Payment$157/mo
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Key Takeaways
Insurers in North Carolina will calculate your car insurance estimates based mainly on your vehicle, age, location, driving record, credit score and coverage level chosen.
Our car insurance costs estimates in North Carolina can range anywhere from $563 to $2,105 per year depending on a variety of factors.
To get the best deal on North Carolina car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts and getting multiple provider quotes.
How To Calculate North Carolina Car Insurance Costs and Save Money
Decide Coverage Needs Beforehand
Determine your coverage level before shopping to prevent opting for unnecessary higher coverage. Consider your location, driving habits, vehicle, and financial situation to assess costs. Use our calculator to find how much coverage you need.
Research Costs and Discounts for You
Look into average car insurance costs in Norht Carolina for your chosen coverage level and driver profile to understand potential savings when comparing quotes. Search for discounts you may qualify for to discuss with agents for personal savings.
Research the Cheapest Providers for You
With your coverage level and cost research in hand, begin obtaining provider estimates before requesting quotes. This approach helps identify potential sources of cheapest car insurance in North Carolina for you. Start by using our car insurance calculator for personalized estimates.
Compare Multiple Providers Through Many Avenues
Comparing multiple providers in North Carolina can lead to significant savings. Research shows savings up to 54% on full coverage and 57% on minimum coverage. Utilize various avenues such as comparison sites, independent brokers, insurer websites and direct agencies because prices for the same coverage can vary.
Take Advantage of North Carolina-Specific Programs
If you're a high-risk driver, North Carolina provides a Safe Driver Incentive Plan that may minimize your increased rates. Insurance points differ depending on the violation.
Consider Non-Traditional Coverage Options
Options like pay-per-mile insurance are ideal for those who drive less. Telematics insurance, which monitors driving and offers discounts up to 40% for good habits, is another option. Some automakers provide direct insurance programs that may offer savings and additional benefits over traditional options.
What Affects Your North Carolina Car Insurance Estimates?
Your car insurance premium in North Carolina is calculated based on four core areas: vehicle details, your driver profile, location and the provider you choose. Explore the links below to learn more about how each affects rates for North Carolina drivers:
How Much Does Provider Chosen Affect North Carolina Car Insurance Estimates?
The provider you choose is the most influential factor affecting car insurance estimates and quotes in the Tar Heel State. Depending on the provider, your rates can drop 55% or increase by as much as 79% compared to the average for North Carolina drivers.
| Lowest | North Carolina Farm Bureau | $44 | $531 |
| Highest | Kemper | $175 | $2,105 |
How Much Does Age Affect North Carolina Car Insurance Estimates?
After your provider, age is the second most important factor for determining car insurance rates for North Carolina drivers. Depending on your age, your rates can go up as much as 89% or decrease by as much as 34% compared to state averages. Car insurance premiums are highest when you are 16, decrease until you are 65 and then slightly increase after that point.
| Lowest | 24 | $90 | $1,086 |
| Highest | 16 | $260 | $3,119 |
How Much Does Credit Affect North Carolina Car Insurance Estimates?
We found that compared to other factors, credit scores are the third most impactful when insurance companies determine rates. Depending on your credit, rates in North Carolina vary from $87 to $152 monthly for full coverage, but as your credit score goes up, your rates will go down.
| Lowest | Excellent | $87 | $1,050 |
| Highest | Poor | $152 | $1,829 |
How Much Does Coverage Affect North Carolina Car Insurance Estimates?
Coverage is the fourth most important factor in determining auto insurance rates in North Carolina, causing rates to vary anywhere from $563 per year for minimum coverage to $1,390 yearly for maximum coverage.
Essentially, the higher your coverage level is for liability auto insurance, and the lower your deductible is for collision and comprehensive coverages, the more expensive pricing gets.
| Lowest | State Minimum Liability Only | $47 | $563 |
| Highest | 300/500/300 Full Cov. w/$1,500 Ded. | $116 | $1,390 |
How Much Does Driving Record Affect North Carolina Car Insurance Estimates?
Your driving record is the fifth most influential factor changing car insurance rates in North Carolina, with rates changing up to 97%. Depending on how many violations you have and the severity of them if you do, rates will vary widely.
| Lowest | Clean | $98 | $1,178 |
| Highest | DUI - BAC >= .08 | $384 | $4,605 |
How Much Does Location Affect North Carolina Car Insurance Estimates?
In the Tar Heel State, location ranks sixth in influencing auto insurance costs. Higher population density and bad weather drive up rates. Durham offers the lowest rates at $1,426 annually, while Fayetteville tops the chart at $2,057.
| Lowest | Durham | $119 | $1,426 |
| Highest | Fayetteville | $171 | $2,057 |
North Carolina Car Insurance Calculator: Bottom Line
Before you pick your car insurance, look into the costs, coverage options and different companies. Use our car insurance calculator to see what you might pay. Then, grab quotes from several places. Match them with our numbers. This way, you can find the best and most affordable plan for you.
North Carolina Car Insurance Estimate: FAQ
Below you will find answers to common questions about North Carolina car insurance costs and estimates:
What is used to determine North Carolina car insurance costs?
Personal details such as your age, credit score, driving record, the vehicle you drive and location affect how your rates are calculated the most. From there the provider you choose and the coverage level you want influence exactly how much you will pay past that.
How much is North Carolina car insurance on average?
On average, North Carolina car insurance costs about $50 to $150 per month. Depending on your unique profile and coverage chosen, car insurance can range anywhere from $30 per month to up to $200 monthly on average.
How do I get the best car insurance in North Carolina?
To secure the best car insurance in North Carolina, evaluate your coverage needs, compare rates and insurers, and utilize tools like a car insurance calculator.
Our North Carolina Car Insurance Estimate Methodology
For all costs and modifications of cost profiles presented, we used the following base profile:
- 40 years old
- Good credit
- Drives a 2012 Toyota Camry
- Clean driving record
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.