$1,456
Avg. Auto Insurance/Year
18% below national avg
$1,567
Avg. Home Insurance/Year
14% below national avg
#37
Cost Ranking (Most Expensive)
30/60/25
Minimum Liability Required
📰 For Journalists & Bloggers:
You may cite this data with attribution to InsureCompare.
Citation: "According to InsureCompare's 2025 State Insurance Rate Report,
the average North Carolina driver pays $1,456 annually for car insurance,
which is 18% below the national average."
Source: InsureCompare.com
How North Carolina Compares to National Average
Auto Insurance
North Carolina: $1,456 vs National: $1,771
Home Insurance
North Carolina: $1,567 vs National: $1,820
North Carolina Minimum Insurance Requirements
| Coverage Type |
Minimum Required |
Recommended |
| Bodily Injury (per person) |
$30k |
$100k+ |
| Bodily Injury (per accident) |
$60k |
$300k+ |
| Property Damage |
$25k |
$100k+ |
Cheapest Car Insurance Companies in North Carolina
| Company |
Avg. Annual Rate |
vs State Avg |
| GEICO |
$1,193 |
-18% |
| USAA (Military) |
$1,092 |
-25% |
| Progressive |
$1,281 |
-12% |
| State Farm |
$1,383 |
-5% |