Popular QuestionsPopular Questions About North Carolina Car Insurance

How much does North Carolina car insurance cost? $986

North Carolina drivers pay $986 per year, on average, for car insurance. This is lower than the national average of $1,311 per year. 

North Carolina drivers can find the best rates by doing their homework. An independent insurance agent can help you get quotes from multiple insurance companies, so you can be sure you are getting the best coverage for your needs, at the right price. 

north carolina car insurance cost chart
What does North Carolina car insurance actually do for me?

North Carolina’s roads can be congested and dangerous at any time of year. Accidents can happen in the blink of an eye. If you are involved in a crash, here are a few of the ways that your North Carolina auto insurance can help...

  • Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender. 
  • Fix Someone Else's Car – Required/Min. $25,000. We officially call this "property damage liability." 
  • Pay Your Medical Bills – Not Required. We officially call this "personal injury protection" or "PIP."
  • Pay Someone Else's Med Bills – Required/Min. $30,000 per person / $60,000 per accident. We officially call this "bodily injury liability."

Like most states, North Carolina requires all drivers to purchase a minimum amount of liability insurance. These mandatory limits ensure that drivers are prepared to pay for damage and medical bills for others if they cause an accident. 

Who pays if the accident wasn't my fault?

The driver who caused the accident is responsible for covering the cost of damages.

How many North Carolina drivers are uninsured: 6.5%

Despite laws that require car insurance in North Carolina,sometimes people drive without any coverage. These drivers have no financial backup plan for accidents, and are likely unable to pay for damage if they cause an accident. 

While North Carolina has a relatively low percentage of uninsured drivers, you are still at risk. But with uninsured motorist coverage, you can have peace of mind and the protection you need if an uninsured driver hits you. Uninsured motorist coverage pays for your vehicle repairs and medical expenses if you are in an accident and the at-fault driver does not have insurance. 

Which are the best insurance companies in North Carolina?

An independent insurance agent compares multiple companies to find the best policy for your needs.

InformationFind the Best Insurance in Your City

Now, let's take a quick peek at what’s going on in your city. Insurance companies look at a lot of factors when determining car insurance costs. One of many factors is location. Crime rates and time spent in the car will factor into how much your car insurance will cost.

How does your city measure up to the national average?

  • National average car insurance cost - $1318 / year
  • National average car thefts per 1,000 - 2.94
  • National average time spent commuting - 25.4 min


CityCommute time (min)Auto theft rate per 1,000Annual insurance costMonthly insurance cost
Charlotte24.93.11$990$83
Asheville16.22.76$738$62
Greenville17.10.96$877$73
Fayetteville19.24.38$1,645$137
Wilmington16.93.12$1,298$108
Greensboro19.71.86$1,267$106
Winston Salem19.12.96$1,150$96
Raleigh21.81.64$1,118$93
Durham21.12.37$1,416$118
Cary20.30.36$1,102$92
Chapel Hill181.1$1,054$88
High Point19.52.18$1,279$107
Burlington19.51.9$736$61
Rocky Mount18.81.36$1,067$89
Hickory/
Statesville
18.32.05$1,260$105

Asheville, NC Car Insurance

Asheville residents pay an average of $62 per month for their auto insurance coverage. Of course, car insurance rates are different for every driver. Your age, gender, driving record, and other personal characteristics help insurance companies determine your rates by predicting how risky you are as a driver. 

When you face a long commute every day, you have a greater risk for car accidents, too. Luckily for Asheville drivers, commute times tend to be lower than the national average. As a result, Asheville residents may be able to save on car insurance.

Insurance rates in general are usually higher in cities where crime is prevalent, and you will pay more for car insurance if you live in a city with a high auto theft rate. Asheville has a lower auto theft rate than the U.S. overall, which could help you score lower rates on coverage. 

Greenville, NC Car Insurance

The average monthly cost of auto insurance in Greenville is $73. However, everyone’s car insurance rates are a little different. Depending on your car, your age, and your gender, along with a few other factors, your monthly Greenville car insurance rate could be higher or lower than average. 

It’s simple: long commutes drive up auto insurance premiums. That's because the more time you spend driving, the greater your risk for being involved in an accident. Commute times in Greenville are lower than the national average, which can help residents save a little on car insurance. 

Cars can be stolen no matter where you live. Car insurance rates are directly tied to the auto theft rate in your city. Auto theft is pretty rare in Greenville, which offers residents peace of mind and savings on Greenville car insurance rates.

Wilmington, NC Car Insurance 

The average monthly cost of auto insurance in Wilmington is $108. Depending on the kind of car you drive, your age and your driving record, your rates could be slightly higher or lower than the Wilmington average. Insurance companies use your unique characteristics to determine how risky you are as a driver, and how much you should pay for coverage. 

Long commutes are frustrating, and they increase your risk for getting into a car accident. Wilmington drivers spend less time on the road than drivers in many other cities, which could help them save on car insurance. 

Most drivers don't think about their risk for auto theft until it's too late, and cars can be stolen anywhere. The risk for car theft in Wilmington is higher than average, which could lead to higher “other than collision” coverage rates for many Wilmington drivers. 

Greensboro, NC Car Insurance

Residents of Greensboro pay an average of $106 per month for their car insurance coverage. Auto insurance rates vary from driver to driver. Rates are highly customized, based on your age, gender, driving record, vehicle type, and several other personal characteristics that help car insurance companies predict how risky you are as a driver. 

Insurance rates are usually higher for drivers with long commutes because more time spent on the road leads to an increase risk for accidents. Greensboro drivers spend less time traveling to and from work than the average American, which may help local drivers save on car insurance. 

Car theft is a problem in many parts of North Carolina, but the car theft rate in Greensboro is quite low compared to the U.S. overall. This is great news for Greensboro residents, who benefit from increased peace of mind and lower car insurance rates.

Winston Salem, NC Car Insurance

The average monthly cost of auto insurance in Winston Salem is $96. Of course, car insurance rates are unique for each driver, so you may be expected to pay significantly more or less than average. Your individual rate depends on the type of car you drive as well as your age, driving record, and several other factors. 

Commute times for Winston Salem drivers tend to be shorter than the national average. This is great news, because less time spent driving means a decreased risk for car accidents. Winston Salem drivers likely enjoy lower car insurance rates as a result.

Living in a dangerous city means you face a higher risk for car theft and vandalism. Higher rates of vehicle theft lead to higher auto insurance premiums. The auto theft rate in Winston Salem is similar to the U.S. overall, which likely has little impact on car insurance rates for local drivers. Keep in mind that you cannot be compensated for loss or damage caused by property crimes unless your policy includes comprehensive (“other than collision”) coverage.

Raleigh, NC Car Insurance

The average monthly cost of car insurance in Raleigh is $93. Keep in mind, however, that Raleigh auto insurance rates can vary greatly depending on each driver’s unique circumstances. What you pay depends on your age, driving history, vehicle, deductible amount, and several other factors. 

Simply put, long commutes increase your risk for a car accident. If you drive more than average, you will likely pay more for car insurance, too. Commute times in Raleigh are slightly lower than the national average, which might help residents save a little on Raleigh car insurance. 

Raleigh has a low crime rate and an auto theft rate that is lower than the U.S. overall average. Because auto theft rates are directly tied to car insurance premiums, Raleigh drivers likely enjoy some savings.

Durham, NC Car Insurance 

Residents of Durham pay an average of $118 per month for their auto insurance coverage. Every driver pays a unique car insurance rate based on age, gender, type of car, and a few other personal factors. Your Durham monthly auto insurance rate could be higher or lower than average based on these variables. 

If your daily commute is longer than the national average, you will likely pay more for car insurance. That’s because the more time you spend driving, the more likely you are to be involved in a crash. Commute times in Durham are often lower than the national average, which can help lower car insurance rates for many residents. 

Some cities have an increased risk for auto theft and vandalism. If you live in one of these cities, you will likely pay more for car insurance, too. The auto theft rate in Durham is lower than in the U.S. overall, which can help to keep Durham car insurance rates lower than in other cities. 

Cary, NC Car Insurance 

The average monthly cost of car insurance in Cary is $92. Of course, auto insurance rates can vary significantly from driver to driver. Each person’s rates are based on personal characteristics like age, gender, driving record, and type of car. Your rates will be higher or lower than average based on these factors. 

Car insurance rates tend to be higher for drivers who spend more time driving to work or school every day. In Cary, average commute times are slightly lower than the national average. Because less time on the roads decreases your accident risk, you might pay less for car insurance in Cary than in other cities. 

Cary is a very safe city with a low auto theft rate. This is great news for Cary residents, who likely pay less for car insurance as a result. 

Chapel Hill, NC Car Insurance 

Residents of Chapel Hill pay an average of $92 per month for their car insurance. Your individual Chapel Hill car insurance rate depends on personal characteristics like your age, the make and model of your car, and your driving history. These variables may raise or lower your rate. 

When you spend a lot of time driving each day, you have an increased risk for being involved in an accident. For this reason, drivers with long commutes also pay more for car insurance. If you live in Chapel Hill, you likely have a commute time that is shorter than the national average. As a result, you may be able to save on Chapel Hill car insurance. 

Higher rates of car theft and vandalism in your city may lead to higher car insurance rates. Luckily, Chapel Hill residents enjoy a very low auto theft rate, and likely pay less for car insurance as a result. 

High Point, NC Car Insurance 

The average monthly cost of auto insurance in High Point is $107. Keep in mind, however, that the monthly cost for High Point car insurance varies from one driver to the next. Several factors influence your rate, including your age, gender, and the make and model of your car. 

It’s simple: the more time you spend on the roads, the more likely it is that you'll be in an accident. The longer your commute time, the more you might pay for car insurance. High Point drivers typically have lower commute times than the national average, and may pay less for car insurance, too. 

Some cities have a serious problem with auto theft and vandalism. Residents of those cities likely pay more for car insurance than residents of safer cities. The auto theft rate in High Point is similar to the U.S. overall, which likely has minimal impact on auto insurance rates for local drivers. 

Burlington, NC Car Insurance 

Residents of Burlington pay an average of $61 per month for their auto insurance coverage. Your personal car insurance cost depends on your age, gender, and driving history. You could end up paying a little more or a little less than average based on these and other variables. 

It’s simple: the less time you spend on the roads, the less likely it is that you'll be in an accident. Drivers with shorter commute times tend to pay less for car insurance. 

Burlington drivers spend less time on the road than most, which can help keep insurance rates relatively low. Burlington has a low auto theft rate, which is great for residents’ peace of mind. A low auto theft rate also helps to keep auto insurance rates down. 

Rocky Mount, NC Car Insurance 

The average monthly cost of auto insurance in Rocky Mount is $89. Several individual factors influence your personalized Rocky Mount car insurance rate. Insurance companies look at your age, gender, driving record, and other variables to determine how much you should pay for coverage. 

Long commutes drive up car insurance premiums, because more time spent driving increases the accident risk. Rocky Mount commute times are lower than the national average, which can help keep rates low for local drivers. 

Living in a high crime city puts drivers at risk for auto theft and vandalism. High rates of auto theft also drive up insurance premiums. Fortunately, the auto theft rate in Rocky Mount is quite low, allowing residents to save on car insurance.

Hickory/Statesville, NC Car Insurance 

Residents in the Hickory/Statesville area pay an average of $105 per month for their car insurance coverage. You could pay more or less than average for your Hickory/Statesville car insurance. What you pay is based on personal characteristics like your age and gender, as well as the type of car you drive. Other factors play a role, too. 

If you spend a lot of time commuting to work or school each day, you face a greater risk for car accidents. Hickory/Statesville drivers typically have shorter than average commute times, which can help provide some savings on car insurance.