Car Insurance for Age 46-55 in North Carolina

Average auto insurance rates for 46-55 year old drivers in North Carolina (NC), including male vs female rate comparison.

Avg Annual Rate

$1,282

$358 below national avg

Male Rate

$1,310/yr

Female Rate

$1,256/yr

Cost Rank

#44

of 51 states

Male vs Female Rates — Age 46-55 in North Carolina

Gender	Annual	Monthly	vs Average
Male	$1,310	$109	+$28
Female	$1,256	$105	$-26
Average	$1,282	$107	—

Male drivers aged 46-55 pay $54 more per year in North Carolina.

All Age Groups in North Carolina

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

Most & Least Expensive States for Age 46-55

Most Expensive

#1	Michigan	$2,565
#2	Louisiana	$2,470
#3	Florida	$2,375
#4	New York	$2,204
#5	Kentucky	$2,090
#6	Colorado	$1,995
#7	Georgia	$1,995
#8	California	$1,966
#9	Nevada	$1,966
#10	Oklahoma	$1,928

Least Expensive

#51	Maine	$855
#50	Vermont	$950
#49	New Hampshire	$998
#48	Idaho	$1,045
#47	Hawaii	$1,206
#46	Wisconsin	$1,216
#45	Ohio	$1,226
#44	North Carolina	$1,282
#43	Iowa	$1,282
#42	North Dakota	$1,292

North Carolina Insurance Overview

State Avg Premium

$1,350/yr

Fault System

At-Fault (Tort)

Uninsured Rate

7.4%

📊

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

How much does car insurance cost for age 46-55 in North Carolina?

The average annual car insurance premium for 46-55 year olds in North Carolina is $1,282 (about $107/month). This is $358 below the national average of $1,640 for this age group.

Do males or females pay more for car insurance at age 46-55 in North Carolina?

In North Carolina, male drivers aged 46-55 pay more — $1,310/yr for males vs $1,256/yr for females, a difference of $54 per year.

How does North Carolina rank for age 46-55 insurance costs?

North Carolina ranks #44 out of 51 states for car insurance costs for 46-55 year olds (most expensive first). The cheapest state for this age group is Maine at $855/yr, while Michigan is the most expensive at $2,565/yr.

Why is car insurance cheaper for age 46-55 in North Carolina?

Insurance rates for 46-55 year olds in North Carolina are influenced by the state's at-fault (tort) system, local accident rates (128,399/yr), uninsured driver rate (7.4%), and population density. North Carolina has 8,559,980 registered vehicles.

How can 46-55 year olds save on car insurance in North Carolina?

46-55 year olds in North Carolina can save by: comparing quotes from multiple insurers (Erie Insurance is often the cheapest), maintaining a clean driving record, taking defensive driving courses, bundling policies, and asking about age-specific or good student discounts. Higher deductibles can also lower premiums.

Age 46-55 Rates in Other States

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