For a 40-year-old driver with a clean record, North Carolina car insurance averages about $154 a month ($1,848 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 34% below the national average in our data. It’s lower than in Georgia, South Carolina, Tennessee and Virginia. Progressive has the lowest full-coverage average among the five major insurers we compared (Allstate, GEICO, NC Farm Bureau, Progressive and State Farm), at about $91 a month.
North Carolina car insurance: key numbers
Where you live matters. The Charlotte area costs the most in our data: Mecklenburg County averages about $174 a month for full coverage. Southeastern counties are next, led by Bladen County ($172) and Columbus County ($172). The mountains and the coast cost the least, and Carteret County, on the Crystal Coast, is the least expensive of the 93 counties we price, at $134. Use these averages as a benchmark for where you live, then compare quotes for your own car and address.
Cost data comes from the auto rates insurers file with state regulators, priced across 441 North Carolina ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
The average cost of car insurance in North Carolina is about $154 a month ($1,848 a year) for full coverage and $52 a month ($625 a year) for liability-only coverage at 30/60/25 limits. That’s for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026.
Full coverage in North Carolina averages $1,848 a year, or about $154 a month, for our benchmark driver. Liability-only coverage at 30/60/25 limits averages $625 a year ($52 a month), and 50/100/50 liability with comprehensive and collision averages $1,890 ($158 a month).
Full-coverage averages: North Carolina and its neighbors
Monthly, for the same benchmark driver and car in each state. Select a state to see its guide.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
North Carolina’s average is about $54 a month below Georgia’s, $35 below South Carolina’s, $33 below Tennessee’s and $24 below Virginia’s. It’s the seventh-lowest of the 50 states and Washington, D.C., in our data.
Progressive has the lowest full-coverage average among the five insurers in our North Carolina rate data. Of the six published 2026 statewide North Carolina rate studies we reviewed, the one whose figures are also built from Quadrant rate data ranks Erie Insurance cheapest for full coverage. Four of the other five rank Progressive first, and only one of those five includes Erie. For liability-only coverage at 30/60/25 limits, State Farm has the lowest average among these five insurers, at about $32 a month, followed by Progressive at $40.
Full-coverage averages by insurer in North Carolina
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 30/60/25 (Yearly): | Liability Only 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $480 | $40 | $1,096 | $91 |
| State Farm | $385 | $32 | $1,144 | $95 |
| NC Farm Bureau | $609 | $51 | $1,910 | $159 |
| GEICO | $668 | $56 | $1,999 | $167 |
| Allstate | $982 | $82 | $3,089 | $257 |
| Erie Insurance* | $464 | $39 | $800 | $67 |
| Nationwide* | $620 | $52 | $1,703 | $142 |
| Farmers* | $801 | $67 | $1,866 | $156 |
| Penn National* | $619 | $52 | $1,870 | $156 |
| Utica National* | $1,022 | $85 | $2,329 | $194 |
| North Carolina average | $625 | $52 | $1,848 | $154 |
These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Your ZIP code matters
Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.
Progressive
Full coverage down 4.6% in the past 9 months $91/mo full coverageThe lowest full-coverage average statewide and second for liability-only coverage, among 5 major insurers. It cut its full-coverage average 4.6% in the past 9 months and cut its liability-only average 8.6%.
State Farm
Full coverage down 4.5% in the past 9 months $95/mo full coverageSecond of five for full coverage and first for liability-only coverage statewide. It cut its full-coverage average 4.5% in the past 9 months and cut its liability-only average 10.7%.
NC Farm Bureau
Full coverage down 2.7% in the past 9 months $159/mo full coverageThird of five for full coverage and third among 5 major insurers for liability-only coverage statewide. It cut its full-coverage average 2.7% in the past 9 months and cut its liability-only average 6.9%.
GEICO
Full coverage down 2.6% in the past 9 months $167/mo full coverageFourth of five for full coverage and fourth among 5 major insurers for liability-only coverage statewide. It cut its full-coverage average 2.6% in the past 9 months and cut its liability-only average 6.4%.
Allstate
Full coverage down 7.7% in the past 9 months $257/mo full coverageFifth of five for full coverage and fifth among 5 major insurers for liability-only coverage statewide. It cut its full-coverage average 7.7% in the past 9 months and cut its liability-only average 9.5%.
Also selling in North Carolina
Priced from published studiesOur statewide figures are about $67 a month for Erie, $142 for Nationwide, $156 for Farmers, $156 for Penn National and $194 for Utica National.
Not for our benchmark driver. Comparing the same insurers in the same North Carolina ZIP codes, full coverage averaged $1,942 a year nine months earlier and $1,848 in rates as of Aug. 31, 2026, a 4.8% drop. Allstate cut its North Carolina average 7.7%, Progressive 4.6%, State Farm 4.5%, NC Farm Bureau 2.7% and GEICO 2.6%. Liability-only coverage at 30/60/25 limits fell 8.4%, led by State Farm, which cut its liability-only average 10.7%.
Change in full-coverage averages over the past 9 months
Same driver, same insurer, same ZIP codes. Statewide averages.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.
North Carolina’s full-coverage average is the seventh-lowest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.
Among cities with at least three ZIP codes in our data, Charlotte is the most expensive, at $178 a month for full coverage, followed by Gastonia at $171 and Fayetteville at $169. Hendersonville is the least expensive, at about $140. Across all 327 cities and towns we price, averages run from about $178 in Charlotte to $132 in Holly Ridge, Sneads Ferry and Swansboro.
Full-coverage averages in North Carolina cities with three or more ZIP codes
Monthly, cities with at least three ZIP codes in our data. Dark bars have a city guide.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
The table lists all 327 North Carolina cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.
| City or Town: | ZIP Codes in Our Data: | Liability Only 30/60/25 (Yearly): | Liability Only 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| Charlotte | 24 | $783 | $65 | $2,133 | $178 |
| Chadbourn | 1 | $650 | $54 | $2,078 | $173 |
| Rowland | 1 | $700 | $58 | $2,073 | $173 |
| Elizabethtown | 1 | $646 | $54 | $2,065 | $172 |
| Bladenboro | 1 | $643 | $54 | $2,061 | $172 |
| Dallas | 1 | $749 | $62 | $2,060 | $172 |
| Whiteville | 1 | $649 | $54 | $2,060 | $172 |
| Bessemer City | 1 | $748 | $62 | $2,056 | $171 |
| Fort Bragg | 1 | $748 | $62 | $2,055 | $171 |
| Tabor City | 1 | $648 | $54 | $2,052 | $171 |
| Gastonia | 3 | $756 | $63 | $2,049 | $171 |
| Fairmont | 1 | $699 | $58 | $2,044 | $170 |
| Lumberton | 2 | $710 | $59 | $2,044 | $170 |
| Shannon | 1 | $707 | $59 | $2,040 | $170 |
| Pineville | 1 | $751 | $63 | $2,039 | $170 |
| Saint Pauls | 1 | $701 | $58 | $2,039 | $170 |
| Pembroke | 1 | $705 | $59 | $2,034 | $170 |
| Red Springs | 1 | $700 | $58 | $2,033 | $169 |
| Fayetteville | 8 | $744 | $62 | $2,026 | $169 |
| Monroe | 2 | $726 | $61 | $2,025 | $169 |
| Parkton | 1 | $717 | $60 | $2,021 | $168 |
| Spring Lake | 1 | $736 | $61 | $2,021 | $168 |
| Marshville | 1 | $684 | $57 | $2,019 | $168 |
| Hope Mills | 1 | $745 | $62 | $2,015 | $168 |
| Wingate | 1 | $715 | $60 | $2,005 | $167 |
| Rocky Point | 1 | $667 | $56 | $2,002 | $167 |
| Raeford | 1 | $728 | $61 | $1,998 | $167 |
| Knightdale | 1 | $747 | $62 | $1,993 | $166 |
| Grifton | 1 | $655 | $55 | $1,984 | $165 |
| Farmville | 1 | $658 | $55 | $1,982 | $165 |
| Clinton | 1 | $649 | $54 | $1,980 | $165 |
| Indian Trail | 1 | $714 | $60 | $1,978 | $165 |
| Snow Hill | 1 | $650 | $54 | $1,978 | $165 |
| Maxton | 1 | $655 | $55 | $1,977 | $165 |
| Roseboro | 1 | $643 | $54 | $1,975 | $165 |
| Rose Hill | 1 | $636 | $53 | $1,973 | $164 |
| Matthews | 2 | $720 | $60 | $1,966 | $164 |
| Wadesboro | 1 | $636 | $53 | $1,964 | $164 |
| Harrisburg | 1 | $711 | $59 | $1,956 | $163 |
| Concord | 2 | $703 | $59 | $1,955 | $163 |
| Greenville | 2 | $721 | $60 | $1,954 | $163 |
| Elm City | 1 | $640 | $53 | $1,951 | $163 |
| Belmont | 1 | $729 | $61 | $1,949 | $162 |
| Laurinburg | 1 | $656 | $55 | $1,948 | $162 |
| Mount Holly | 1 | $724 | $60 | $1,943 | $162 |
| Rolesville | 1 | $701 | $58 | $1,943 | $162 |
| Winterville | 1 | $730 | $61 | $1,942 | $162 |
| Kannapolis | 2 | $692 | $58 | $1,939 | $162 |
| Linden | 1 | $680 | $57 | $1,939 | $162 |
| Waxhaw | 1 | $702 | $59 | $1,936 | $161 |
| Ayden | 1 | $704 | $59 | $1,934 | $161 |
| Stedman | 1 | $674 | $56 | $1,932 | $161 |
| Rockingham | 1 | $636 | $53 | $1,927 | $161 |
| High Point | 4 | $688 | $57 | $1,924 | $160 |
| Hamlet | 1 | $638 | $53 | $1,923 | $160 |
| Kings Mountain | 1 | $644 | $54 | $1,921 | $160 |
| Vanceboro | 1 | $695 | $58 | $1,921 | $160 |
| Midland | 1 | $676 | $56 | $1,918 | $160 |
| Butner | 1 | $653 | $54 | $1,916 | $160 |
| Creedmoor | 1 | $647 | $54 | $1,914 | $160 |
| Lawndale | 1 | $619 | $52 | $1,910 | $159 |
| Greensboro | 9 | $683 | $57 | $1,908 | $159 |
| Cherryville | 1 | $642 | $54 | $1,907 | $159 |
| Grover | 1 | $634 | $53 | $1,906 | $159 |
| Lincolnton | 1 | $648 | $54 | $1,906 | $159 |
| Shelby | 2 | $633 | $53 | $1,904 | $159 |
| Wilson | 2 | $654 | $55 | $1,904 | $159 |
| Mooresboro | 1 | $617 | $51 | $1,902 | $159 |
| Enfield | 1 | $555 | $46 | $1,901 | $158 |
| China Grove | 1 | $662 | $55 | $1,899 | $158 |
| Iron Station | 1 | $633 | $53 | $1,898 | $158 |
| Salisbury | 3 | $665 | $55 | $1,895 | $158 |
| Garner | 1 | $686 | $57 | $1,893 | $158 |
| Vale | 1 | $619 | $52 | $1,893 | $158 |
| Wake Forest | 1 | $668 | $56 | $1,893 | $158 |
| Benson | 1 | $670 | $56 | $1,892 | $158 |
| Four Oaks | 1 | $666 | $56 | $1,890 | $158 |
| Rockwell | 1 | $658 | $55 | $1,888 | $157 |
| Warsaw | 1 | $610 | $51 | $1,887 | $157 |
| Clayton | 2 | $680 | $57 | $1,884 | $157 |
| Willow Spring | 1 | $681 | $57 | $1,884 | $157 |
| Selma | 1 | $664 | $55 | $1,883 | $157 |
| Warrenton | 1 | $541 | $45 | $1,883 | $157 |
| Burgaw | 1 | $618 | $52 | $1,882 | $157 |
| Windsor | 1 | $561 | $47 | $1,882 | $157 |
| Cleveland | 1 | $645 | $54 | $1,881 | $157 |
| Linwood | 1 | $652 | $54 | $1,880 | $157 |
| Smithfield | 1 | $674 | $56 | $1,879 | $157 |
| Middlesex | 1 | $610 | $51 | $1,878 | $157 |
| Wendell | 1 | $672 | $56 | $1,878 | $157 |
| Grimesland | 1 | $628 | $52 | $1,877 | $156 |
| Norlina | 1 | $541 | $45 | $1,876 | $156 |
| Louisburg | 1 | $559 | $47 | $1,875 | $156 |
| Rougemont | 1 | $550 | $46 | $1,875 | $156 |
| Fuquay-Varina | 1 | $675 | $56 | $1,873 | $156 |
| Zebulon | 1 | $654 | $55 | $1,873 | $156 |
| Bailey | 1 | $604 | $50 | $1,871 | $156 |
| Mount Olive | 1 | $619 | $52 | $1,871 | $156 |
| Murfreesboro | 1 | $551 | $46 | $1,871 | $156 |
| Raleigh | 15 | $687 | $57 | $1,871 | $156 |
| Willard | 1 | $604 | $50 | $1,869 | $156 |
| Franklinton | 1 | $559 | $47 | $1,866 | $156 |
| Henderson | 2 | $560 | $47 | $1,866 | $156 |
| Kenly | 1 | $613 | $51 | $1,866 | $156 |
| Oxford | 1 | $554 | $46 | $1,866 | $156 |
| La Grange | 1 | $633 | $53 | $1,865 | $155 |
| Princeton | 1 | $656 | $55 | $1,865 | $155 |
| Youngsville | 1 | $575 | $48 | $1,865 | $155 |
| Lucama | 1 | $608 | $51 | $1,864 | $155 |
| Angier | 1 | $665 | $55 | $1,863 | $155 |
| Kinston | 2 | $634 | $53 | $1,862 | $155 |
| Littleton | 1 | $545 | $45 | $1,862 | $155 |
| Pink Hill | 1 | $605 | $50 | $1,862 | $155 |
| Cameron | 1 | $650 | $54 | $1,861 | $155 |
| Dunn | 1 | $658 | $55 | $1,861 | $155 |
| North Wilkesboro | 1 | $543 | $45 | $1,861 | $155 |
| Coats | 1 | $659 | $55 | $1,860 | $155 |
| Roanoke Rapids | 1 | $564 | $47 | $1,860 | $155 |
| Timberlake | 1 | $545 | $45 | $1,860 | $155 |
| Ahoskie | 1 | $558 | $47 | $1,859 | $155 |
| Erwin | 1 | $657 | $55 | $1,859 | $155 |
| Lillington | 1 | $655 | $55 | $1,859 | $155 |
| Plymouth | 1 | $566 | $47 | $1,859 | $155 |
| Roxboro | 2 | $548 | $46 | $1,859 | $155 |
| Broadway | 1 | $650 | $54 | $1,858 | $155 |
| Dudley | 1 | $640 | $53 | $1,856 | $155 |
| Spring Hope | 1 | $589 | $49 | $1,855 | $155 |
| Tarboro | 1 | $609 | $51 | $1,855 | $155 |
| Harmony | 1 | $542 | $45 | $1,854 | $155 |
| Williamston | 1 | $607 | $51 | $1,854 | $155 |
| Durham | 7 | $643 | $54 | $1,853 | $154 |
| Millers Creek | 1 | $537 | $45 | $1,853 | $154 |
| Washington | 1 | $617 | $51 | $1,853 | $154 |
| Chocowinity | 1 | $610 | $51 | $1,852 | $154 |
| Goldsboro | 2 | $645 | $54 | $1,851 | $154 |
| Edenton | 1 | $570 | $48 | $1,849 | $154 |
| Sanford | 2 | $648 | $54 | $1,849 | $154 |
| Wilkesboro | 1 | $545 | $45 | $1,848 | $154 |
| Pikeville | 1 | $642 | $54 | $1,847 | $154 |
| Beulaville | 1 | $605 | $50 | $1,846 | $154 |
| Castle Hayne | 1 | $680 | $57 | $1,846 | $154 |
| Rocky Mount | 3 | $616 | $51 | $1,845 | $154 |
| Wallace | 1 | $605 | $50 | $1,845 | $154 |
| Hertford | 1 | $565 | $47 | $1,844 | $154 |
| Nashville | 1 | $600 | $50 | $1,842 | $154 |
| Huntersville | 1 | $655 | $55 | $1,838 | $153 |
| Mount Gilead | 1 | $549 | $46 | $1,836 | $153 |
| Ramseur | 1 | $564 | $47 | $1,833 | $153 |
| Snow Camp | 1 | $562 | $47 | $1,831 | $153 |
| Siler City | 1 | $572 | $48 | $1,830 | $153 |
| Asheboro | 2 | $579 | $48 | $1,828 | $152 |
| Stanfield | 1 | $571 | $48 | $1,828 | $152 |
| Leland | 1 | $674 | $56 | $1,826 | $152 |
| Winnabow | 1 | $659 | $55 | $1,826 | $152 |
| Liberty | 1 | $565 | $47 | $1,824 | $152 |
| Hickory | 2 | $614 | $51 | $1,823 | $152 |
| Troy | 1 | $556 | $46 | $1,823 | $152 |
| Robbins | 1 | $560 | $47 | $1,821 | $152 |
| Cornelius | 1 | $652 | $54 | $1,820 | $152 |
| Dobson | 1 | $553 | $46 | $1,820 | $152 |
| Reidsville | 1 | $563 | $47 | $1,820 | $152 |
| Boonville | 1 | $548 | $46 | $1,819 | $152 |
| Browns Summit | 1 | $582 | $49 | $1,819 | $152 |
| Denton | 1 | $556 | $46 | $1,817 | $151 |
| Oakboro | 1 | $564 | $47 | $1,817 | $151 |
| Bahama | 1 | $575 | $48 | $1,816 | $151 |
| Burlington | 2 | $580 | $48 | $1,816 | $151 |
| Stoneville | 1 | $545 | $45 | $1,816 | $151 |
| Mount Pleasant | 1 | $570 | $48 | $1,815 | $151 |
| Efland | 1 | $569 | $47 | $1,814 | $151 |
| McLeansville | 1 | $580 | $48 | $1,814 | $151 |
| Davidson | 1 | $637 | $53 | $1,813 | $151 |
| Walnut Cove | 1 | $553 | $46 | $1,813 | $151 |
| Elkin | 1 | $552 | $46 | $1,812 | $151 |
| Hillsborough | 1 | $576 | $48 | $1,812 | $151 |
| Locust | 1 | $570 | $48 | $1,812 | $151 |
| Newton | 1 | $611 | $51 | $1,812 | $151 |
| Stokesdale | 1 | $573 | $48 | $1,811 | $151 |
| Bolivia | 1 | $655 | $55 | $1,809 | $151 |
| Graham | 1 | $578 | $48 | $1,809 | $151 |
| Conover | 1 | $611 | $51 | $1,807 | $151 |
| Jonesville | 1 | $549 | $46 | $1,807 | $151 |
| Mount Airy | 1 | $557 | $46 | $1,807 | $151 |
| Seagrove | 1 | $553 | $46 | $1,807 | $151 |
| Taylorsville | 1 | $595 | $50 | $1,807 | $151 |
| Albemarle | 1 | $565 | $47 | $1,806 | $151 |
| Granite Falls | 1 | $603 | $50 | $1,806 | $151 |
| Hamptonville | 1 | $545 | $45 | $1,806 | $151 |
| Norwood | 1 | $554 | $46 | $1,806 | $151 |
| Pinnacle | 1 | $545 | $45 | $1,806 | $151 |
| Mebane | 1 | $579 | $48 | $1,804 | $150 |
| Mooresville | 2 | $635 | $53 | $1,804 | $150 |
| New Hill | 1 | $570 | $48 | $1,804 | $150 |
| Madison | 1 | $549 | $46 | $1,803 | $150 |
| New London | 1 | $554 | $46 | $1,803 | $150 |
| Whitsett | 1 | $574 | $48 | $1,803 | $150 |
| Haw River | 1 | $573 | $48 | $1,802 | $150 |
| Vass | 1 | $566 | $47 | $1,802 | $150 |
| Carthage | 1 | $566 | $47 | $1,801 | $150 |
| Eden | 1 | $556 | $46 | $1,800 | $150 |
| Pittsboro | 1 | $562 | $47 | $1,800 | $150 |
| Shallotte | 1 | $660 | $55 | $1,800 | $150 |
| Gibsonville | 1 | $572 | $48 | $1,799 | $150 |
| Sparta | 1 | $537 | $45 | $1,799 | $150 |
| Stanley | 1 | $625 | $52 | $1,799 | $150 |
| East Bend | 1 | $546 | $46 | $1,798 | $150 |
| Randleman | 1 | $570 | $48 | $1,798 | $150 |
| Sherrills Ford | 1 | $610 | $51 | $1,798 | $150 |
| Supply | 1 | $656 | $55 | $1,798 | $150 |
| Pilot Mountain | 1 | $549 | $46 | $1,797 | $150 |
| Pleasant Garden | 1 | $568 | $47 | $1,797 | $150 |
| Claremont | 1 | $602 | $50 | $1,796 | $150 |
| Maiden | 1 | $604 | $50 | $1,796 | $150 |
| Denver | 1 | $629 | $52 | $1,795 | $150 |
| Connelly Springs | 1 | $594 | $50 | $1,792 | $149 |
| Catawba | 1 | $598 | $50 | $1,791 | $149 |
| Yadkinville | 1 | $547 | $46 | $1,791 | $149 |
| Aberdeen | 1 | $572 | $48 | $1,790 | $149 |
| Elon | 1 | $563 | $47 | $1,790 | $149 |
| Trinity | 1 | $570 | $48 | $1,790 | $149 |
| Troutman | 1 | $608 | $51 | $1,790 | $149 |
| Southern Pines | 1 | $580 | $48 | $1,788 | $149 |
| Statesville | 2 | $601 | $50 | $1,787 | $149 |
| Lenoir | 1 | $595 | $50 | $1,786 | $149 |
| Rutherfordton | 1 | $511 | $43 | $1,786 | $149 |
| Sophia | 1 | $561 | $47 | $1,785 | $149 |
| Morganton | 1 | $592 | $49 | $1,784 | $149 |
| Tarawa Terrace | 1 | $655 | $55 | $1,784 | $149 |
| Forest City | 1 | $521 | $43 | $1,783 | $149 |
| Hudson | 1 | $598 | $50 | $1,781 | $148 |
| Ellenboro | 1 | $511 | $43 | $1,780 | $148 |
| Bostic | 1 | $503 | $42 | $1,778 | $148 |
| Carrboro | 1 | $593 | $49 | $1,777 | $148 |
| West End | 1 | $562 | $47 | $1,777 | $148 |
| Stony Point | 1 | $589 | $49 | $1,776 | $148 |
| Winston-Salem | 7 | $619 | $52 | $1,776 | $148 |
| Pinehurst | 1 | $569 | $47 | $1,773 | $148 |
| Summerfield | 1 | $617 | $51 | $1,771 | $148 |
| Boone | 1 | $524 | $44 | $1,770 | $148 |
| Thomasville | 1 | $605 | $50 | $1,769 | $147 |
| Valdese | 1 | $594 | $50 | $1,769 | $147 |
| Camp Lejeune | 1 | $651 | $54 | $1,767 | $147 |
| Jamestown | 1 | $627 | $52 | $1,765 | $147 |
| Oak Ridge | 1 | $620 | $52 | $1,762 | $147 |
| Banner Elk | 1 | $509 | $42 | $1,761 | $147 |
| Nebo | 1 | $501 | $42 | $1,758 | $147 |
| Bakersville | 1 | $492 | $41 | $1,755 | $146 |
| Kernersville | 1 | $620 | $52 | $1,755 | $146 |
| Lexington | 2 | $596 | $50 | $1,755 | $146 |
| West Jefferson | 1 | $502 | $42 | $1,755 | $146 |
| Apex | 3 | $627 | $52 | $1,754 | $146 |
| Cary | 4 | $630 | $53 | $1,754 | $146 |
| Morrisville | 1 | $625 | $52 | $1,753 | $146 |
| Colfax | 1 | $616 | $51 | $1,752 | $146 |
| Tryon | 1 | $512 | $43 | $1,751 | $146 |
| Marion | 1 | $508 | $42 | $1,750 | $146 |
| Newland | 1 | $501 | $42 | $1,750 | $146 |
| Carolina Beach | 1 | $666 | $56 | $1,749 | $146 |
| Walkertown | 1 | $609 | $51 | $1,749 | $146 |
| Columbus | 1 | $508 | $42 | $1,746 | $146 |
| Holly Springs | 1 | $623 | $52 | $1,745 | $145 |
| Burnsville | 1 | $496 | $41 | $1,744 | $145 |
| Rural Hall | 1 | $602 | $50 | $1,744 | $145 |
| Pfafftown | 1 | $599 | $50 | $1,742 | $145 |
| Clemmons | 1 | $600 | $50 | $1,740 | $145 |
| Chapel Hill | 3 | $578 | $48 | $1,738 | $145 |
| King | 1 | $586 | $49 | $1,733 | $144 |
| Lewisville | 1 | $599 | $50 | $1,733 | $144 |
| Hampstead | 1 | $647 | $54 | $1,731 | $144 |
| Spruce Pine | 1 | $498 | $42 | $1,727 | $144 |
| Richlands | 1 | $623 | $52 | $1,726 | $144 |
| Advance | 1 | $587 | $49 | $1,719 | $143 |
| Southport | 1 | $637 | $53 | $1,717 | $143 |
| Wilmington | 6 | $666 | $56 | $1,716 | $143 |
| Mocksville | 1 | $578 | $48 | $1,715 | $143 |
| Camden | 1 | $585 | $49 | $1,709 | $142 |
| Elizabeth City | 1 | $593 | $49 | $1,707 | $142 |
| Moyock | 1 | $592 | $49 | $1,705 | $142 |
| Oak Island | 1 | $634 | $53 | $1,702 | $142 |
| Murphy | 1 | $514 | $43 | $1,698 | $142 |
| Andrews | 1 | $516 | $43 | $1,696 | $141 |
| Asheville | 5 | $551 | $46 | $1,696 | $141 |
| Hayesville | 1 | $517 | $43 | $1,695 | $141 |
| Arden | 1 | $552 | $46 | $1,690 | $141 |
| Fairview | 1 | $542 | $45 | $1,689 | $141 |
| Kill Devil Hills | 1 | $596 | $50 | $1,687 | $141 |
| Manteo | 1 | $598 | $50 | $1,686 | $141 |
| Robbinsville | 1 | $510 | $43 | $1,686 | $141 |
| Fletcher | 1 | $547 | $46 | $1,685 | $140 |
| Old Fort | 1 | $518 | $43 | $1,684 | $140 |
| Mills River | 1 | $534 | $45 | $1,683 | $140 |
| Hendersonville | 3 | $541 | $45 | $1,680 | $140 |
| Marshall | 1 | $514 | $43 | $1,679 | $140 |
| Black Mountain | 1 | $540 | $45 | $1,678 | $140 |
| Jacksonville | 2 | $609 | $51 | $1,677 | $140 |
| Swannanoa | 1 | $542 | $45 | $1,676 | $140 |
| Cherokee | 1 | $517 | $43 | $1,675 | $140 |
| Leicester | 1 | $526 | $44 | $1,675 | $140 |
| Kitty Hawk | 1 | $588 | $49 | $1,674 | $140 |
| Flat Rock | 1 | $540 | $45 | $1,671 | $139 |
| Franklin | 1 | $514 | $43 | $1,671 | $139 |
| Mars Hill | 1 | $514 | $43 | $1,671 | $139 |
| Alexander | 1 | $527 | $44 | $1,668 | $139 |
| Candler | 1 | $530 | $44 | $1,667 | $139 |
| Cullowhee | 1 | $514 | $43 | $1,666 | $139 |
| Pisgah Forest | 1 | $525 | $44 | $1,665 | $139 |
| Weaverville | 1 | $529 | $44 | $1,665 | $139 |
| Sylva | 1 | $516 | $43 | $1,664 | $139 |
| Brevard | 1 | $525 | $44 | $1,663 | $139 |
| Bryson City | 1 | $512 | $43 | $1,661 | $138 |
| Whittier | 1 | $512 | $43 | $1,661 | $138 |
| Clyde | 1 | $512 | $43 | $1,657 | $138 |
| Canton | 1 | $514 | $43 | $1,656 | $138 |
| Waynesville | 2 | $515 | $43 | $1,650 | $138 |
| Maysville | 1 | $555 | $46 | $1,639 | $137 |
| Ocean Isle Beach | 1 | $588 | $49 | $1,636 | $136 |
| Sunset Beach | 1 | $587 | $49 | $1,628 | $136 |
| Calabash | 1 | $584 | $49 | $1,622 | $135 |
| Beaufort | 1 | $565 | $47 | $1,619 | $135 |
| Hubert | 1 | $580 | $48 | $1,614 | $135 |
| Morehead City | 1 | $576 | $48 | $1,610 | $134 |
| Newport | 1 | $570 | $48 | $1,607 | $134 |
| New Bern | 2 | $569 | $47 | $1,606 | $134 |
| Havelock | 1 | $568 | $47 | $1,605 | $134 |
| Holly Ridge | 1 | $564 | $47 | $1,588 | $132 |
| Swansboro | 1 | $569 | $47 | $1,588 | $132 |
| Sneads Ferry | 1 | $568 | $47 | $1,586 | $132 |
| North Carolina average | 441 | $625 | $52 | $1,848 | $154 |
Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.
Compare North Carolina with other states on our car insurance rates by state page.
Mecklenburg County is the most expensive county in our data, at about $174 a month for full coverage, followed by Bladen County ($172) and Columbus County ($172). The least expensive are Carteret County ($134), Haywood County ($138) and Jackson, Transylvania, Swain, Macon and Onslow counties (each $139). We price 93 of North Carolina’s 100 counties.
| County: | ZIP Codes in Our Data: | Liability Only 30/60/25 (Yearly): | Liability Only 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| Mecklenburg County | 29 | $766 | $64 | $2,093 | $174 |
| Bladen County | 2 | $645 | $54 | $2,063 | $172 |
| Columbus County | 3 | $649 | $54 | $2,063 | $172 |
| Robeson County | 10 | $700 | $58 | $2,035 | $170 |
| Cumberland County | 12 | $733 | $61 | $2,013 | $168 |
| Hoke County | 1 | $728 | $61 | $1,998 | $167 |
| Union County | 7 | $712 | $59 | $1,991 | $166 |
| Gaston County | 9 | $721 | $60 | $1,985 | $165 |
| Greene County | 1 | $650 | $54 | $1,978 | $165 |
| Sampson County | 2 | $646 | $54 | $1,977 | $165 |
| Anson County | 1 | $636 | $53 | $1,964 | $164 |
| Scotland County | 1 | $656 | $55 | $1,948 | $162 |
| Pitt County | 7 | $688 | $57 | $1,947 | $162 |
| Cabarrus County | 7 | $678 | $57 | $1,925 | $160 |
| Cleveland County | 6 | $630 | $53 | $1,908 | $159 |
| Wilson County | 4 | $639 | $53 | $1,906 | $159 |
| Granville County | 3 | $618 | $52 | $1,899 | $158 |
| Richmond County | 3 | $608 | $51 | $1,895 | $158 |
| Rowan County | 6 | $660 | $55 | $1,892 | $158 |
| Duplin County | 5 | $612 | $51 | $1,883 | $157 |
| Bertie County | 1 | $561 | $47 | $1,882 | $157 |
| Harnett County | 8 | $666 | $56 | $1,880 | $157 |
| Johnston County | 8 | $663 | $55 | $1,880 | $157 |
| Warren County | 2 | $541 | $45 | $1,880 | $157 |
| Halifax County | 3 | $555 | $46 | $1,874 | $156 |
| Lincoln County | 4 | $632 | $53 | $1,873 | $156 |
| Pender County | 4 | $634 | $53 | $1,871 | $156 |
| Franklin County | 3 | $564 | $47 | $1,869 | $156 |
| Vance County | 2 | $560 | $47 | $1,866 | $156 |
| Hertford County | 2 | $555 | $46 | $1,865 | $155 |
| Lenoir County | 3 | $633 | $53 | $1,863 | $155 |
| Person County | 3 | $547 | $46 | $1,859 | $155 |
| Washington County | 1 | $566 | $47 | $1,859 | $155 |
| Edgecombe County | 2 | $614 | $51 | $1,858 | $155 |
| Guilford County | 21 | $645 | $54 | $1,856 | $155 |
| Wayne County | 5 | $638 | $53 | $1,855 | $155 |
| Martin County | 1 | $607 | $51 | $1,854 | $155 |
| Wilkes County | 3 | $542 | $45 | $1,854 | $155 |
| Beaufort County | 2 | $613 | $51 | $1,853 | $154 |
| Nash County | 6 | $605 | $50 | $1,853 | $154 |
| Chowan County | 1 | $570 | $48 | $1,849 | $154 |
| Durham County | 8 | $635 | $53 | $1,849 | $154 |
| Lee County | 2 | $648 | $54 | $1,849 | $154 |
| Wake County | 33 | $667 | $56 | $1,845 | $154 |
| Perquimans County | 1 | $565 | $47 | $1,844 | $154 |
| Randolph County | 9 | $583 | $49 | $1,829 | $152 |
| Montgomery County | 1 | $556 | $46 | $1,823 | $152 |
| Stanly County | 6 | $563 | $47 | $1,812 | $151 |
| Alamance County | 7 | $574 | $48 | $1,810 | $151 |
| Rockingham County | 5 | $557 | $46 | $1,810 | $151 |
| Surry County | 4 | $553 | $46 | $1,809 | $151 |
| Catawba County | 8 | $608 | $51 | $1,806 | $151 |
| Iredell County | 6 | $603 | $50 | $1,804 | $150 |
| Yadkin County | 5 | $547 | $46 | $1,804 | $150 |
| Alleghany County | 1 | $537 | $45 | $1,799 | $150 |
| Orange County | 6 | $575 | $48 | $1,796 | $150 |
| Davidson County | 5 | $601 | $50 | $1,795 | $150 |
| Moore County | 7 | $568 | $47 | $1,793 | $149 |
| Alexander County | 2 | $592 | $49 | $1,791 | $149 |
| Caldwell County | 3 | $599 | $50 | $1,791 | $149 |
| Stokes County | 3 | $561 | $47 | $1,784 | $149 |
| Burke County | 3 | $594 | $50 | $1,782 | $149 |
| Chatham County | 3 | $568 | $47 | $1,782 | $149 |
| Rutherford County | 4 | $512 | $43 | $1,782 | $149 |
| Watauga County | 2 | $516 | $43 | $1,766 | $147 |
| Forsyth County | 13 | $612 | $51 | $1,761 | $147 |
| Ashe County | 1 | $502 | $42 | $1,755 | $146 |
| Avery County | 1 | $501 | $42 | $1,750 | $146 |
| Polk County | 2 | $510 | $43 | $1,749 | $146 |
| Yancey County | 1 | $496 | $41 | $1,744 | $145 |
| Mitchell County | 2 | $495 | $41 | $1,741 | $145 |
| New Hanover County | 8 | $667 | $56 | $1,737 | $145 |
| Brunswick County | 10 | $633 | $53 | $1,736 | $145 |
| McDowell County | 3 | $509 | $42 | $1,731 | $144 |
| Davie County | 2 | $582 | $49 | $1,717 | $143 |
| Camden County | 1 | $585 | $49 | $1,709 | $142 |
| Pasquotank County | 1 | $593 | $49 | $1,707 | $142 |
| Currituck County | 1 | $592 | $49 | $1,705 | $142 |
| Cherokee County | 2 | $515 | $43 | $1,697 | $141 |
| Clay County | 1 | $517 | $43 | $1,695 | $141 |
| Graham County | 1 | $510 | $43 | $1,686 | $141 |
| Craven County | 4 | $600 | $50 | $1,685 | $140 |
| Buncombe County | 13 | $542 | $45 | $1,684 | $140 |
| Dare County | 3 | $594 | $50 | $1,682 | $140 |
| Henderson County | 6 | $541 | $45 | $1,680 | $140 |
| Madison County | 2 | $514 | $43 | $1,675 | $140 |
| Onslow County | 9 | $602 | $50 | $1,673 | $139 |
| Macon County | 1 | $514 | $43 | $1,671 | $139 |
| Swain County | 2 | $515 | $43 | $1,668 | $139 |
| Transylvania County | 2 | $525 | $44 | $1,664 | $139 |
| Jackson County | 3 | $514 | $43 | $1,663 | $139 |
| Haywood County | 4 | $514 | $43 | $1,653 | $138 |
| Carteret County | 4 | $570 | $48 | $1,606 | $134 |
| North Carolina average | 441 | $625 | $52 | $1,848 | $154 |
Full coverage at 100/300/100 limits costs a little less on average than 50/100/50 statewide in our data: $1,848 a year compared with $1,890, with the same $500 deductibles. Across the five insurers, the change runs from $397 less a year (Allstate) to $104 more (NC Farm Bureau). The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate and GEICO charge less for 100/300/100 than for 50/100/50 for our benchmark driver. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.
Required since July 1, 2025
50/100/50Underinsured motorist changes
Since July 1, 2025If your coverage lapses
$50 to $150North Carolina drivers must carry liability insurance from an insurer licensed in the state, according to the NCDMV. For policies issued or renewed on or after July 1, 2025, the minimum is:
Before July 1, 2025, the minimum was 30/60/25. Since that date, you can also combine underinsured motorist limits from more than one policy, and your underinsured motorist coverage is no longer reduced by the at-fault driver’s liability coverage, according to the Department of Insurance.
Your insurer must tell NCDMV if your coverage lapses. If you don’t respond to the notice, you can lose your license plate and pay a $50 to $150 civil penalty plus a $50 restoration fee, according to the NCDMV. Since Oct. 1, 2026, you have 30 days (up from 10) to respond, under Session Law 2026-46. Driving without the required insurance is a Class 3 misdemeanor under G.S. 20-313.
North Carolina follows contributory negligence: being even partly at fault for a crash can keep you from collecting damages, according to the Department of Insurance.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from North Carolina law and the North Carolina Department of Insurance. We refresh these figures when new rate data is released.
The table in this section comes from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use it to compare vehicle types with each other.
In this analysis, an SUV is the least expensive vehicle type to insure and a coupe the most expensive in all 100 counties in that analysis. A coupe costs about 33% more than an SUV on average.
| Auto Insurance Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Alamance | $762 | $608 | $802 | $640 | $751 |
| Alexander | $773 | $608 | $815 | $642 | $761 |
| Alleghany | $784 | $610 | $828 | $646 | $771 |
| Anson | $924 | $751 | $972 | $789 | $910 |
| Ashe | $758 | $584 | $804 | $621 | $745 |
| Avery | $762 | $589 | $808 | $626 | $749 |
| Beaufort | $936 | $743 | $982 | $783 | $921 |
| Bertie | $950 | $744 | $1,002 | $785 | $935 |
| Bladen | $936 | $743 | $988 | $784 | $921 |
| Brunswick | $760 | $621 | $800 | $653 | $749 |
| Buncombe | $653 | $521 | $694 | $552 | $641 |
| Burke | $795 | $624 | $841 | $664 | $782 |
| Cabarrus | $790 | $622 | $833 | $657 | $778 |
| Caldwell | $776 | $602 | $824 | $640 | $763 |
| Camden | $790 | $634 | $830 | $666 | $778 |
| Carteret | $761 | $617 | $799 | $647 | $750 |
| Caswell | $914 | $716 | $964 | $756 | $900 |
| Catawba | $796 | $641 | $842 | $676 | $783 |
| Chatham | $772 | $605 | $813 | $638 | $760 |
| Cherokee | $706 | $550 | $752 | $586 | $693 |
| Chowan | $950 | $744 | $999 | $785 | $935 |
| Clay | $709 | $551 | $756 | $587 | $696 |
| Cleveland | $866 | $698 | $911 | $734 | $853 |
| Columbus | $936 | $743 | $988 | $784 | $921 |
| Craven | $742 | $603 | $782 | $634 | $731 |
| Cumberland | $933 | $751 | $986 | $792 | $918 |
| Currituck | $790 | $634 | $830 | $666 | $778 |
| Dare | $796 | $638 | $835 | $671 | $784 |
| Davidson | $767 | $612 | $809 | $646 | $755 |
| Davie | $714 | $573 | $754 | $604 | $702 |
| Duplin | $923 | $735 | $966 | $770 | $910 |
| Durham | $750 | $613 | $792 | $645 | $738 |
| Edgecombe | $936 | $743 | $988 | $784 | $921 |
| Forsyth | $700 | $573 | $738 | $602 | $689 |
| Franklin | $950 | $744 | $1,002 | $785 | $935 |
| Gaston | $854 | $689 | $905 | $728 | $840 |
| Gates | $950 | $744 | $1,002 | $785 | $935 |
| Graham | $708 | $552 | $754 | $587 | $695 |
| Granville | $914 | $716 | $964 | $756 | $900 |
| Greene | $936 | $743 | $982 | $784 | $921 |
| Guilford | $694 | $571 | $731 | $600 | $683 |
| Halifax | $950 | $744 | $1,002 | $785 | $935 |
| Harnett | $933 | $751 | $986 | $792 | $918 |
| Haywood | $666 | $522 | $709 | $555 | $654 |
| Henderson | $695 | $546 | $740 | $580 | $682 |
| Hertford | $950 | $744 | $1,002 | $785 | $935 |
| Hoke | $1,032 | $875 | $1,078 | $911 | $1,019 |
| Hyde | $811 | $647 | $853 | $682 | $798 |
| Iredell | $769 | $605 | $811 | $639 | $757 |
| Jackson | $671 | $524 | $715 | $558 | $659 |
| Johnston | $933 | $743 | $986 | $784 | $918 |
| Jones | $787 | $633 | $827 | $665 | $775 |
| Lee | $923 | $746 | $970 | $784 | $910 |
| Lenoir | $894 | $743 | $933 | $779 | $883 |
| Lincoln | $841 | $682 | $888 | $719 | $828 |
| Macon | $704 | $546 | $751 | $582 | $691 |
| Madison | $686 | $535 | $730 | $569 | $674 |
| Martin | $936 | $743 | $982 | $784 | $921 |
| Mcdowell | $703 | $548 | $749 | $584 | $690 |
| Mecklenburg | $796 | $656 | $839 | $689 | $785 |
| Mitchell | $742 | $574 | $786 | $609 | $729 |
| Montgomery | $785 | $617 | $826 | $650 | $773 |
| Moore | $769 | $605 | $810 | $638 | $757 |
| Nash | $936 | $743 | $985 | $784 | $921 |
| New Hanover | $875 | $723 | $920 | $757 | $863 |
| Northampton | $950 | $744 | $1,002 | $785 | $935 |
| Onslow | $755 | $619 | $794 | $649 | $744 |
| Orange | $693 | $550 | $732 | $581 | $681 |
| Pamlico | $775 | $626 | $814 | $657 | $764 |
| Pasquotank | $793 | $636 | $832 | $668 | $781 |
| Pender | $865 | $718 | $908 | $751 | $853 |
| Perquimans | $950 | $744 | $1,002 | $785 | $935 |
| Person | $914 | $716 | $964 | $756 | $900 |
| Pitt | $936 | $743 | $985 | $784 | $921 |
| Polk | $737 | $573 | $782 | $608 | $724 |
| Randolph | $777 | $611 | $817 | $644 | $765 |
| Richmond | $788 | $624 | $830 | $658 | $775 |
| Robeson | $977 | $794 | $1,029 | $834 | $963 |
| Rockingham | $786 | $614 | $828 | $649 | $773 |
| Rowan | $870 | $706 | $917 | $742 | $856 |
| Rutherford | $752 | $584 | $796 | $619 | $740 |
| Sampson | $933 | $743 | $986 | $784 | $918 |
| Scotland | $977 | $794 | $1,028 | $834 | $963 |
| Stanly | $792 | $625 | $834 | $659 | $780 |
| Stokes | $728 | $584 | $769 | $616 | $716 |
| Surry | $768 | $604 | $809 | $637 | $756 |
| Swain | $675 | $527 | $719 | $561 | $663 |
| Transylvania | $689 | $539 | $733 | $573 | $676 |
| Tyrrell | $950 | $744 | $1,002 | $785 | $935 |
| Union | $875 | $725 | $921 | $760 | $862 |
| Vance | $950 | $744 | $1,002 | $785 | $935 |
| Wake | $743 | $593 | $782 | $625 | $731 |
| Warren | $950 | $744 | $1,002 | $785 | $935 |
| Washington | $950 | $744 | $1,002 | $785 | $935 |
| Watauga | $753 | $583 | $798 | $619 | $740 |
| Wayne | $894 | $743 | $933 | $779 | $883 |
| Wilkes | $767 | $600 | $809 | $634 | $755 |
| Wilson | $901 | $743 | $936 | $784 | $890 |
| Yadkin | $757 | $597 | $796 | $629 | $745 |
| Yancey | $738 | $570 | $782 | $606 | $725 |
The average cost of car insurance in North Carolina is about $154 a month ($1,848 a year) for full coverage and $52 a month ($625 a year) for liability-only coverage at 30/60/25 limits. That’s for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026.
Progressive has the lowest full-coverage average in our North Carolina rate data, at about $91 a month, with State Farm close behind at $95. For liability-only coverage at 30/60/25 limits, State Farm has the lowest average, at about $32 a month. The one published 2026 North Carolina study we reviewed whose figures are also built from Quadrant rate data ranks Erie Insurance cheapest for full coverage, while most of the others, which mostly don’t include Erie, rank Progressive first. Rates vary by driver, so compare quotes for your own car and ZIP code.
In our data, Mecklenburg County, home to Charlotte, costs the most, at about $174 a month for full coverage, followed by Bladen County ($172) and Columbus County ($172). Charlotte averages about $178 a month. Carteret County is the least expensive county we price, at about $134.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, North Carolina full coverage fell 4.8% over the past nine months, from about $1,942 to $1,848 a year. Allstate cut its North Carolina average 7.7%, Progressive 4.6%, State Farm 4.5%, NC Farm Bureau 2.7% and GEICO 2.6%. Liability-only coverage at 30/60/25 limits fell 8.4%.
For policies issued or renewed on or after July 1, 2025, North Carolina requires $50,000 per person and $100,000 per crash in bodily injury liability, $50,000 in property damage liability, and uninsured and underinsured motorist coverage. Before that, the minimum was 30/60/25.
No. North Carolina doesn’t use a no-fault system and doesn’t require personal injury protection (PIP) coverage. Drivers must carry liability coverage, and under North Carolina’s contributory negligence rule, being even partly at fault for a crash can keep you from collecting damages.
For our benchmark driver, full coverage in North Carolina averages about $154 a month. Georgia averages about $208, 35% above North Carolina. South Carolina averages about $189, 23% above North Carolina. Tennessee averages about $187, 21% above North Carolina. Virginia averages about $178, 16% above North Carolina. Every neighboring state costs more. These averages use the same driver and coverage in every state, from rates as of Aug. 31, 2026.
