North Carolina auto insurance averages - $925.08 per year in 2023, ranked #44 of 51 states. NAIC Auto Insurance Database (June 2025 release).
North Carolina's 2019-2023 expenditure path rose on this NAIC series; averages reflect purchased coverage mix, not a binder price.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $925.08 ▲10.2% | $448 |
| 2022 | $839.28 ▲6.3% | $419 |
| 2021 | $789.17 ▲3.0% | $403 |
| 2020 | $765.96 ▲1.6% | $399 |
| 2019 | $753.96 | $395 |
Evidence lead: 2023 cost position
North Carolina's strongest visible signal here is its 2019-2023 expenditure path. The cards below separate that change from level, annual shape, component mix, and registry coverage - descriptive only, not a quote.
2023 cost position
North Carolina records $925.08 in 2023 average expenditure and ranks #44 of 51. This lowest-cost tier describes the statewide blend in the NAIC table, not the cheapest available policy. Individual premiums can still sit far above or below the state figure because the source is an aggregate market measure.
Five-year movement
The 2019-to-2023 comparison for North Carolina is +22.7%, the #12 change among 51 jurisdictions. The state therefore moved faster than most of the table, although the endpoint comparison can conceal pauses or reversals between those years. The year-by-year shape below provides that missing context.
Year-by-year shape
Every annual step in North Carolina's 2019–2023 series is positive. The latest move, from 2022 to 2023, is +10.2%; the largest absolute step occurs in 2023 at +10.2%. This pattern is a continuous rise in the reported averages, not a forecast that the sequence will continue.
Coverage-component signature
North Carolina's most distinctive 2023 component is liability: $448.00, or 32.7% below the 51-jurisdiction average of $666.04. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
Moderate registry context
In the linked NAIC-derived registry, North Carolina has 5,933 complaints distributed across 45 companies. The two coverage ranks are #30 and #31 of 51, a middle-lower footprint. Read those denominators with the complaint profile itself; neither count is a normalized complaint rate or evidence about why average auto expenditure moved.
Nearest expenditure peers. By average expenditure, North Carolina's closest peers in this dataset are Indiana ($926.42) and Wisconsin ($921.55), both within a few dollars of North Carolina's own $925.08.
Note on state comparisons: These averages reflect the mix of coverages purchased in North Carolina, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
