Maryland vs North Carolina Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

North Carolina is $520/yr cheaper on average.

Fewer Uninsured

North Carolina has a lower uninsured rate (7.4% vs 12.2%).

Rate & Coverage Comparison

Attribute	Maryland	North Carolina
Avg Annual Premium	$1,870	$1,350
Min Liability	$610	$440
Full Coverage	$1,870	$1,350
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	12.2%	7.4%
Registered Vehicles	5,065,140	8,559,980
Accidents/Year	75,977	128,399
Population	6,177,000	10,439,000

Minimum Coverage Requirements

Maryland

30/60 / 15 liability

North Carolina

30/60 / 25 liability

Premium Comparison

Maryland$610 – $1,870

Liability: $610Avg: $1,870Full: $1,870

North Carolina$440 – $1,350

Liability: $440Avg: $1,350Full: $1,350

MarylandFull rates, age breakdown, requirements →North CarolinaFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Maryland or North Carolina?

North Carolina has cheaper car insurance, with an average annual premium of $1,350 compared to $1,870 in Maryland - a difference of $520 per year.

How do Maryland and North Carolina compare on fault systems?

Maryland uses a at-fault (tort) system while North Carolina uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Maryland vs North Carolina?

Maryland requires 30/60 / 15 liability. North Carolina requires 30/60 / 25 liability. Minimum liability costs $610/yr in Maryland and $440/yr in North Carolina.

Which state has more uninsured drivers, Maryland or North Carolina?

Maryland has a higher uninsured driver rate at 12.2%, compared to 7.4% in North Carolina. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Maryland vs North Carolina insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Maryland

North Carolina

Avg Annual Premium

$1,870

$1,350

Min Liability

$610

$440

Full Coverage

$1,870

$1,350

Fault System

At-Fault (Tort)

Uninsured Rate

12.2%

7.4%

Registered Vehicles

5,065,140

8,559,980

Accidents/Year

75,977

128,399

Population

6,177,000

10,439,000