North Carolina vs Ohio Car Insurance

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

Quick Verdict

More Affordable

Ohio is $60/yr cheaper on average.

Fewer Uninsured

North Carolina has a lower uninsured rate (7.4% vs 12.4%).

Rate & Coverage Comparison

Attribute	North Carolina	Ohio
Avg Annual Premium	$1,350	$1,290
Min Liability	$440	$420
Full Coverage	$1,350	$1,290
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	7.4%	12.4%
Registered Vehicles	8,559,980	9,675,180
Accidents/Year	128,399	145,127
Population	10,439,000	11,799,000

Minimum Coverage Requirements

North Carolina

30/60 / 25 liability

Ohio

25/50 / 25 liability

Premium Comparison

North Carolina$440 – $1,350

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

Ohio$420 – $1,290

Liability: $420Avg: $1,290Full: $1,290

North CarolinaFull rates, age breakdown, requirements →OhioFull 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, North Carolina or Ohio?

Ohio has cheaper car insurance, with an average annual premium of $1,290 compared to $1,350 in North Carolina - a difference of $60 per year.

How do North Carolina and Ohio compare on fault systems?

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

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

North Carolina requires 30/60 / 25 liability. Ohio requires 25/50 / 25 liability. Minimum liability costs $440/yr in North Carolina and $420/yr in Ohio.

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

Ohio has a higher uninsured driver rate at 12.4%, compared to 7.4% in North Carolina. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the North Carolina vs Ohio 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

North Carolina

Ohio

Avg Annual Premium

$1,350

$1,290

Min Liability

$440

$420

Full Coverage

$1,350

$1,290

Fault System

At-Fault (Tort)

Uninsured Rate

7.4%

12.4%

Registered Vehicles

8,559,980

9,675,180

Accidents/Year

128,399

145,127

Population

10,439,000

11,799,000