North Carolina average car insurance premium
These are not quotes or estimates. They are the average premium actually written per insured vehicle, as reported by insurers to state regulators and compiled by the NAIC. That makes them slower to update than a rate-quote site, and far harder to argue with.
2023
$441
19th highest of 51 states and DC. National average that year was $464.
2019 –2023
| Year | North Carolina | National | Relative |
|---|---|---|---|
| 2019 | $344 | $382 | -9.9% |
| 2020 | $340 | $371 | -8.4% |
| 2021 | $355 | $377 | -5.9% |
| 2022 | $386 | $400 | -3.6% |
| 2023 | $441 | $464 | -4.9% |
Over the full period North Carolina moved up 28.1%, against 21.4% nationally. 2023 is also the highest year in this window.