The average car insurance rate in North Carolina is $438 a year. Thatâs $136 less than the nationwide average ($574), making it one of the least expensive states for auto coverage. Here are average car insurance rates for common policy amounts:
State minimum liability: $37 monthly, $438 yearly
50/100/50: $40 monthly, $481 yearly
100/300/100 with comprehensive and collision, $500 deductible: $119 monthly, $1, 425 yearly