🚗 Car insurance cost in North Carolina (2026)
The estimated average is $1,548 per year — below the national average (-28% vs. the U.S. average of $2,150).
North Carolina is home to about 10.8 million people, and car insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Charlotte typically differ from smaller towns.
Estimate your car insurance in North Carolina
North Carolina car insurance estimator
Starts from the North Carolina average. Estimate only — get quotes to confirm.
Car insurance cost in North Carolina cities
| City | Population | Est. car insurance |
|---|---|---|
| Charlotte | 897,720 | $1,672 |
| Raleigh | 476,587 | $1,610 |
| Greensboro | 301,115 | $1,610 |
| Durham | 296,186 | $1,610 |
| Winston-Salem | 253,319 | $1,610 |
| Fayetteville | 209,468 | $1,548 |
North Carolina car insurance FAQ
How much is car insurance in North Carolina?
The estimated average car insurance in North Carolina is $1,548 per year, which is below the national average (-28% vs. the U.S. average of $2,150). North Carolina ranks 48 of 51 states from most to least expensive.
Why is car insurance cheaper in North Carolina?
Car insurance pricing in North Carolina reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the South.
How can I save on car insurance in North Carolina?
Compare at least three quotes from insurers active in North Carolina, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.