How Do Car Insurance Costs in North Carolina Compare to Other States?

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Do you want to know how the price of car insurance in North Carolina compares to other states? If so, check out the following helpful guide.

What are the average car insurance costs in North Carolina?

According to the U.S. News, the current average car insurance rate in North Carolina is lower than the U.S. national average.

The average rate for drivers in the Tar Heel state is listed as $1,124 per year while the national average is listed as $1,442.

Though, averages can only tell us so much. Out of the seven different North Carolina insurance companies that U.S. News compared, the highest average rate is $1,850 per year while the lowest is only $821 per annum.

What are the average car insurance costs in other states?

While North Carolina may indeed have lower auto insurance rates compared to the national average, some other states have cheaper car insurance.

For instance, according to MarketWatch, the cheapest Ohio car insurance rates are $738 per year for full coverage.

Take a look at the further findings from MarketWatch to find the best car insurance companies in Ohio state.

Now, to discover what the average car insurance rates in 2022 are in other U.S. states, we can use Bankrate’s list that was published in September:

  • In Alabama, the average cost is $1,760 per year for full coverage.
  • In Alaska, the average cost is $1,770.
  • In Arizona, the average cost is $1,743.
  • In Arkansas, the average cost is $1,806.
  • In California, the average cost is $2,190.
  • In Colorado, the average cost is $2,019.
  • In Connecticut, the average cost is $1,533.
  • In Delaware, the average cost is $1,963.
  • In Florida, the average cost is $2,762.
  • In Georgia, the average cost is $1,985.
  • In Hawaii, the average cost is $1,206.
  • In Idaho, the average cost is $1,065.
  • In Illinois, the average cost is $1,548.
  • In Indiana, the average cost is $1,242.
  • In Iowa, the average cost is $1,254.
  • In Kansas, the average cost is $1,802.
  • In Kentucky, the average cost is $1,954.
  • In Louisiana, the average cost is $2,864.
  • In Maine, the average cost is $876.
  • In Maryland, the average cost is $1,931.
  • In Massachusetts, the average cost is $1,296.
  • In Michigan, the average cost is $2,345.
  • In Minnesota, the average cost is $1,692.
  • In Mississippi, the average cost is $1,701.
  • In Missouri, the average cost is $1,861.
  • In Montana, the average cost is $1,795.
  • In Nebraska, the average cost is $1,538.
  • In Nevada, the average cost is $2,426.
  • In New Hampshire, the average cost is $1,182.
  • In New Jersey, the average cost is $1,891.
  • In New Mexico, the average cost is $1,489.
  • In New York, the average cost is $2,996.
  • In North Dakota, the average cost is $1,225.
  • In Oklahoma, the average cost is $1,902.
  • In Oregon, the average cost is $1,371.
  • In Pennsylvania, the average cost is $2,002.
  • In Rhode Island, the average cost is $1,8047.
  • In South Carolina, the average cost is $1,464.
  • In South Dakota, the average cost is $1,542.
  • In Tennessee, the average cost is $1,383.
  • In Texas, the average cost is $1,868.
  • In Utah, the average cost is $1,449.
  • In Vermont, the average cost is $1,000.
  • In Virginia, the average cost is $1,340.
  • In Washington, the average cost is $1,313.
  • In West Virginia, the average cost is $1,527.
  • In Wisconsin, the average cost is $1,249.
  • In Wyoming, the average cost is $1,510.

Insurance Rates Depend on Various Factors

Average rates can only tell us so much because the cost of car insurance can vary greatly from one person to another.

Factors that affect your rate include your age, your driving history and experience, your credit score, your gender, your location, your annual mileage, your insurance history, and more.

The insurance company you choose to go with can also affect the cost. So, make sure you get quotes from various insurers to find the best auto coverage for you.

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