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Auto insurance rates, minimum coverage requirements, and driver statistics for North Carolina (NC).
Avg Annual Premium
$1,350
$376 below national avg
Cost Rank
#44
of 51 (most expensive first)
Fault System
At-Fault (Tort)
Tort-based
Uninsured Rate
7.4%
of drivers
Min Liability
$440/yr
Legal minimum
Average Premium
$1,350/yr
State average
Full Coverage
$1,350/yr
Comprehensive + Collision
North Carolina requires:
30/60 / 25 liability
| Age Group | Average | Male | Female |
|---|---|---|---|
| 16-19 | $3,645 | $4,118 | $3,172 |
| 20-25 | $2,430 | $2,700 | $2,160 |
| 26-35 | $1,485 | $1,552 | $1,418 |
| 36-45 | $1,350 | $1,377 | $1,323 |
| 46-55 | $1,282 | $1,310 | $1,256 |
| 56-65 | $1,242 | $1,269 | $1,215 |
| 65+ | $1,418 | $1,458 | $1,377 |
Rates shown are annual averages for each age group in North Carolina. Individual rates vary based on driving record, credit, and vehicle.
| Metric | North Carolina | National Avg |
|---|---|---|
| Average Annual Premium | $1,350 | $1,726 |
| Uninsured Rate | 7.4% | 11.1% |
| Registered Vehicles | 8,559,980 | 5,330,804 |
| Accidents per Year | 128,399 | 79,962 |
Population
10,439,000
Registered Vehicles
8,559,980
Accidents per Year
128,399
Vehicles per Capita
0.82
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.
Read our full methodology or contact us with corrections.