Estimates only. Not insurance advice. Get a real quote before you buy.
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2025-2026 Law Change in North Carolina

NC raised minimum liability from 30/60/25 to 30/60/25 effective Jul 2025 (minor bodily injury tier adjustment). UM/UIM stacking rules clarified. Full details →

Updated April 2026 | Rank #12 of 51

Car Insurance Cost Per Month in North Carolina 2026

Full coverage avg

$161/mo

Minimum coverage avg

$48/mo

State minimum reqs

30/60/25
UM required

NC's Reinsurance Facility creates a competitive market for most drivers. Low uninsured-driver rate. UM required. 2025 law adjusted stacking rules. Adjust age and vehicle below to see your estimated monthly cost.

North Carolina

in North Carolina with a Sedan

$161/month

Full coverage estimate (100/300/100 + collision + comp). -$47 below national avg

State Min$92/mo30/60/25
Standard$120/mo50/100/50
Full Coverage$161/mo100/300/100

Source: NerdWallet 2026, ValuePenguin 2026, Bankrate 2026

How we calculate this
Get a real quote →North Carolinadetail page →

Average Monthly Cost by Age in North Carolina 2026

AgeMin CoverageFull Coverage (Sedan)Details
16$313$547Age 16page →
17$285$499Age 17page →
18$248$435Age 18page →
19$212$370Age 19page →
25$92$161Age 25page →
35$78$137Age 35page →
45$80$140Age 45page →
65$87$153Age 65page →

Average Monthly Cost by Vehicle Type in North Carolina

Sedan
$137
/month
SUV
$108
/month
Pickup Truck
$144
/month
Sports Car
$212
/month
Electric Vehicle
$178
/month

Top 3 Carriers in North Carolina by Market Share (NAIC Q1 2026)

1
State Farm
By direct written premium
2
Erie
By direct written premium
3
NC Farm Bureau
By direct written premium

Market share data is from NAIC Q1 2026 public filings. Market share does not equal cheapest rate for your profile.

Nearby States by Cost Rank

Massachusetts
Rank #13
$163/mo
South Dakota
Rank #11
$158/mo
Virginia
Rank #13
$163/mo

North Carolina Car Insurance FAQs

What is the average car insurance cost per month in North Carolina?⌄
The average car insurance cost in North Carolina is $161 per month for full coverage (100/300/100 plus collision and comprehensive) as of 2026, per cross-referenced data from NerdWallet, Bankrate, and ValuePenguin. Minimum-coverage-only policies average $48 per month. North Carolina ranks #12 of 51 jurisdictions by cost (1 = cheapest, 51 = most expensive).
What is the minimum car insurance required in North Carolina?⌄
North Carolina requires minimum liability coverage of 30/60/25. Uninsured Motorist (UM) coverage is also required. See the law changes section below for recent updates to minimum limits.
Who has the cheapest car insurance in North Carolina?⌄
The top three carriers by market share in North Carolina are State Farm, Erie, NC Farm Bureau, per NAIC Q1 2026 market filings. Market share does not equal cheapest price -- the best rate for your specific profile (age, vehicle, driving record, credit score in states where legal) requires comparing quotes. We recommend comparing at least 3 carriers. carinsurancecomparisontool.com offers a side-by-side carrier comparison.
Does North Carolina have no-fault insurance?⌄
No. North Carolina is an at-fault state. When an accident occurs, the at-fault driver's liability coverage pays for the other driver's injuries and property damage. This means your state-minimum liability coverage must be high enough to cover a potential claim against you.
Why is car insurance so cheap in North Carolina?⌄
NC's Reinsurance Facility creates a competitive market for most drivers. Low uninsured-driver rate. UM required. 2025 law adjusted stacking rules.
Is my credit score used for car insurance in North Carolina?⌄
Yes, in most cases. North Carolina allows insurers to use a credit-based insurance score (distinct from your FICO) to predict claim likelihood. A poor credit-based score can add 20-100% to your premium. Improving your credit over 12-24 months can generate meaningful savings at renewal.
Cost of Living in North Carolina→Compare North Carolinacarrier quotes →