Short answer: car insurance in North Carolina depends on your ZIP code, coverage level and driver/home profile. North Carolina's state minimum car insurance is 30/60/25. Compare free quotes from licensed partners in ~2 minutes. The average annual car insurance premium in North Carolina is about $925 (NAIC, 2023); your exact rate depends on coverage and profile.
Updated August 2026
North Carolina car insurance basicsNorth Carolina is an
at-fault (tort) state for auto insurance. Minimum car insurance in North Carolina:
30/60/25 — $30k bodily injury/person, $60k/accident, $25k property damage. Statewide average premium:
~$925/yr (NAIC, 2023).
Verify with the state insurance department →
Cities in North Carolina
North Carolina car insurance FAQ
How much is car insurance in North Carolina?
The average annual car insurance premium in North Carolina is about $925 (NAIC, 2023); your rate varies by city, ZIP, coverage and profile. Compare free quotes from licensed partners.
How do I get cheap car insurance in North Carolina?
Compare multiple carriers, bundle policies, and check local North Carolina discounts. Get free quotes in a couple of minutes.
Also compare home insurance in North Carolina →