2025-2026 Law Change in North Carolina
North Carolina raised minimum liability limits from 30/60/25 to 50/100/50 effective 1 July 2025, and raised the minimum UM and UIM limits to match (SL 2023-133). Full details →
Updated NAIC 2023 data | Rank #8 of 51 by average expenditure
Car Insurance Cost Per Month in North Carolina
Full coverage avg
Minimum coverage avg
State minimum reqs
North Carolina's Reinsurance Facility creates a competitive market for most drivers, and the state sits in the cheapest third on the NAIC measure. UM cover is required, and the minimum limits rose in July 2025. Adjust age and vehicle below to see your estimated monthly cost.
in North Carolina with a Sedan
Anchored on the state average for a policy with liability, collision and comprehensive. -$15 below national avg
State anchor: NAIC Auto Insurance Database Report, 2023 data year. Age and vehicle adjustments are modelled.
How we calculate thisModelled Monthly Cost by Age in North Carolina
| Age | Min Coverage | Full Coverage (Sedan) | Details |
|---|---|---|---|
| 16 | $145 | $356 | Age 16page → |
| 17 | $132 | $324 | Age 17page → |
| 18 | $115 | $282 | Age 18page → |
| 19 | $98 | $241 | Age 19page → |
| 25 | $43 | $105 | Age 25page → |
| 35 | $36 | $89 | Age 35page → |
| 45 | $37 | $91 | Age 45page → |
| 65 | $40 | $99 | Age 65page → |
Average Monthly Cost by Vehicle Type in North Carolina
Top 3 Carriers in North Carolina by Market Share
Market share does not equal the cheapest rate for your profile. Compare at least three carriers.