North Carolina Auto Insurance Requirements, Costs & Coverage Guide 2026
✓ Updated January 2026 – Based on Real North Carolina Quotes

North Carolina Auto Insurance Requirements & Costs

Complete guide to North Carolina car insurance requirements, average rates, and coverage options with current 2026 data. We’re a licensed insurance broker serving 34 states, not an insurance carrier—we help you compare multiple providers to find the best rates.

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Key Takeaways: North Carolina Auto Insurance Data

Data Source: All rates and statistics on this page are based on real first-party auto insurance quotes collected by our licensed agents in North Carolina. This is not national average data or advertised rates—these numbers reflect actual consumer quote activity in North Carolina during 2026.

Average Monthly Rate in NC
$137
Based on real quotes from our licensed agents, North Carolina drivers pay an average of $137 per month for auto insurance across all coverage types
Liability vs Full Coverage
$93 vs $168
Liability-only coverage averages $93/month while full coverage averages $168/month in North Carolina—a difference of $75 per month or $900 annually
Price Range Across Carriers
$73-$235
Rates vary significantly from $73 (Dairyland) to $235 (National General)—a spread of 220%, demonstrating the value of comparing multiple carriers
Higher Minimums Than Most States
30/60/20
North Carolina’s 30/60/20 minimums are higher than many states—giving drivers a stronger baseline of liability protection

North Carolina drivers often compare liability only and full coverage options when selecting a policy. While minimum coverage meets legal requirements, many drivers choose higher limits to better protect assets and reduce financial exposure. If you want a more complete explanation of coverage options, deductibles, and how policies are structured, see our North Carolina car insurance guide.

North Carolina Auto Insurance Requirements

North Carolina law requires all drivers to carry minimum liability insurance coverage. Understanding these requirements is essential for legal compliance and financial protection.

At A Plus Insurance, we work with multiple insurance providers to help you find the best coverage for your needs and budget.

Coverage Type Minimum Required What It Covers
Bodily Injury (per person) $30,000 Medical expenses and lost wages for one person injured in an accident you cause
Bodily Injury (per accident) $60,000 Total medical expenses and lost wages for all people injured in an accident you cause
Property Damage $20,000 Damage to another person’s vehicle or property in an accident you cause
Important: These are legal minimums. Most drivers benefit from higher coverage limits to protect against serious accidents. Consider 50/100/50 or 100/300/100 for better protection.

Optional but Recommended Coverage

While not legally required, these coverages provide crucial protection:

  • Uninsured/Underinsured Motorist: Protects you if hit by a driver with no insurance or insufficient coverage
  • Collision: Covers damage to your vehicle from accidents, regardless of fault
  • Comprehensive: Covers non-collision damage (theft, vandalism, weather, animals)
  • Medical Payments (MedPay): Covers medical expenses for you and passengers, regardless of fault

Learn more about different coverage types on our auto insurance guide, explore North Carolina auto insurance options, or learn about non-owners insurance in North Carolina.

Some North Carolina drivers relocate, commute, or compare policies with nearby states in the Southeast. If you are moving south or comparing regional differences, it may help to review South Carolina insurance. Understanding how nearby states differ in requirements and pricing can help drivers maintain proper coverage when relocating or registering a vehicle elsewhere.

Average monthly auto insurance rate by state

Filters: Filters: State NC

Source ... A Plus Insurance Quote Dataset

NC
$155.89
  • Pricing ranges from $155.89 (NC) to $155.89 (NC) ... a spread of $0.00.
  • Based on real auto insurance quotes grouped into 1 company results, the average across this view is $155.89. The spread is about 0% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1934 1rId5tH5kZUJkj2MTMwDVaj71Xpr4uG2G 2026-03-21 NC Statesville 28677 2024 Mitsubishi Mirage 69 male single liability_only Dairyland 397.40 1 1 1
1933 18zCqNaQ_QuBw1qZoqkmKYg9YFt2rJu7T 2026-03-20 NC 27265 unknown unknown liability_only Progressive 175.69 0 0 0
1838 20260320-1156-3852 2026-03-20 NC HENDERSONVILLE 28792 2016 RAM RAM TRUCK 1500 SLT 33 male married full_coverage Dairyland 769.33 0 0 0
1517 20260211-095935-2450 2026-02-11 NC RALEIGH 27609 2025 HONDA PILOT TRAILSPORT 38 male married full_coverage Progressive 190.42 0 0 0
1516 20260213-095742-5441 2026-02-13 NC EAST FLAT ROCK 28726 1997 FORD F250 37 male single liability_only Dairyland 59.83 0 0 0
1316 20260204-1238-8038 2026-02-04 NC RALEIGH 27609 2025 HONDA PILOT TRAILSPORT 38 male married full_coverage Progressive POP 105.75 0 0 0
1316 20260204-1238-8038 2026-02-04 NC RALEIGH 27609 2025 HONDA PILOT TRAILSPORT 38 male married full_coverage Progressive POP 105.75 0 0 0
1315 20260204-1239-9703 2026-02-04 NC HAZELWOOD 28786 2006 INFINITI G35 21 male single liability_only National General 306.39 1 0 0
1315 20260204-1239-9703 2026-02-04 NC HAZELWOOD 28786 2022 DODGE CHARGER SCAT PACK 21 male single liability_only National General 306.39 1 0 0
1308 20251205-111457-6629 2025-12-05 NC FORT BRAGG 28310 2008 FORD MUSTANG 20 male single liability_only Progressive 84.29 1 0 0
1307 20260204-1243-3592 2026-02-04 NC CHARLOTTE 28208 2017 GENESIS G90 PREMIUM 41 female single full_coverage National General 353.48 2 0 0
1307 20260204-1243-3592 2026-02-04 NC CHARLOTTE 28208 2016 NISSAN SENTRA S 41 female single full_coverage National General 353.48 2 0 0
1307 20260204-1243-3592 2026-02-04 NC CHARLOTTE 28208 41 female single full_coverage National General 353.48 2 0 0
1306 20251222-111349-0285 2025-12-22 NC DURHAM 27713 2010 HONDA PILOT EXL 25 female single liability_only Progressive POP 47.17 0 0 0
1306 20251222-111349-0285 2025-12-22 NC DURHAM 27713 2010 HONDA PILOT EXL 25 female single liability_only Progressive POP 47.17 0 0 0
1305 20260108-1245-2812 2026-01-08 NC CHARLOTTE 28203 2011 NISSAN ALTIMA 44 male single liability_only Progressive 72.67 0 0 0
1304 20251217-111200-4324 2025-12-17 NC GREENSBORO 27406 2004 JEEP GRAND CHEROKEE LIMIT 24 male single liability_only Dairyland 84.70 0 0 0
1303 20251222-1247-2692 2025-12-22 NC LEXINGTON 27295 2016 TOYOTA CAMRY LE 36 female married full_coverage Progressive 79.10 0 0 0
1303 20251222-1247-2692 2025-12-22 NC LEXINGTON 27295 2016 TOYOTA CAMRY LE 36 female married full_coverage Progressive 79.10 0 0 0
1302 20251220-111043-7195 2025-12-20 NC BOONE 28607 2020 DODGE CHARGER SRT HELLCAT 22 male single full_coverage National General 338.31 0 0 0
1301 20260204-1249-2438 2026-02-04 NC RALEIGH 27610 2026 HONDA CR-V EX 41 male married full_coverage Progressive 116.14 0 0 0
1301 20260204-1249-2438 2026-02-04 NC RALEIGH 27610 2026 HONDA CR-V EX 41 male married full_coverage Progressive 116.14 0 0 0
1300 20260204-1251-3391 2026-02-04 NC MILL SPRING 28756 2019 TOYOTA TUNDRA CREWMAX SR5 42 male single full_coverage Progressive 91.44 0 0 0
1300 20260204-1251-3391 2026-02-04 NC MILL SPRING 28756 2019 TOYOTA TUNDRA CREWMAX SR5 42 male single full_coverage Progressive 91.44 0 0 0
1299 20251229-110826-0674 2025-12-29 NC KNIGHTDALE 27545 2018 DODGE JOURNEY SE 50 female single full_coverage National General 118.93 0 0 0
1298 20260204-1254-6569 2026-02-04 NC LUMBERTON 28358 2019 BUICK ENCORE ESSENCE 71 female separated full_coverage Progressive 123.87 0 0 0
1297 20251208-1256-7944 2025-12-08 NC ELLENBORO 28040 1988 FORD ECONOLINE E150 21 male single liability_only Progressive 55.60 0 0 0
1297 20251208-1256-7944 2025-12-08 NC ELLENBORO 28040 1988 FORD ECONOLINE E150 21 male single liability_only Progressive 55.60 0 0 0
1296 20260126-110613-6106 2026-01-26 NC CHARLOTTE 28202 2026 TOYOTA CAMRY LE 34 female single full_coverage National General 189.62 0 0 0
1295 20260119-100-5084 2026-01-19 NC GASTONIA 28056 2020 CHEVROLET SILVERADO C1500 26 male single full_coverage National General 158.78 0 0 0
1294 20260204-1301-3747 2026-02-04 NC DURHAM 27708 2025 AUDI SQ5 PREMIUM PLUS 18 male single full_coverage National General 402.71 0 0 0
1293 20260204-1302-0851 2026-02-04 NC GREENSBORO 27411 2018 HONDA ACCORD LX 22 female single full_coverage National General 142.87 0 0 0
1231 20260203-120226-7102 2026-02-03 NC WILMINGTON 28403 2021 VOLVO XC60 T5 MOMENTUM 21 female single liability_only Progressive 68.66 0 0 0
1186 20260203-0824-6424 2026-02-03 NC FRANKLIN 28734 2012 TOYOTA CAMRY 39 male separated liability_only Dairyland 62.01 0 0 0
1185 20260203-0826-1986 2026-02-03 NC HAZELWOOD 28786 2002 TOYOTA CAMRY LE 41 male single full_coverage Progressive 77.57 0 0 0
1184 20260203-0806-5052 2026-02-03 NC WILMINGTON 28403 2017 JEEP GRAND CHEROKEE LARED 22 male single liability_only Progressive 66.86 1 0 0
1183 20260203-0807-5259 2026-02-03 NC RALEIGH 27615 2025 BMW 430I 26 male single full_coverage Progressive POP 226.52 1 0 0
1182 20260203-808-0089 2026-02-03 NC ARDEN 28704 2012 HONDA CIVIC LX 61 female single liability_only Progressive 45.66 0 0 0
1181 20260203-0808-6314 2026-02-03 NC CREEDMOOR 27522 2017 KIA OPTIMA LX 30 male single full_coverage National General 133.01 0 0 0
1180 20260203-0810-7517 2026-02-03 NC NEBO 28761 2020 TOYOTA CAMRY SE NIGHT SHADE 29 female married liability_only Progressive 55.60 0 0 0
1179 20260203-082849-4106 2026-02-03 NC MARION 28752 2020 SUBARU ASCENT LIMITED 77 female widowed full_coverage Progressive 97.37 0 0 0
1179 20260203-082849-4106 2026-02-03 NC MARION 28752 1994 FORD F150 77 female widowed full_coverage Progressive 97.37 0 0 0
1178 20260203-0816-3651 2026-02-03 NC WAYNESVILLE 28786 2002 ACURA MDX TOURING 50 female single liability_only Progressive 58.33 0 0 0
1177 20260203-0819-8837 2026-02-03 NC BURNSVILLE 28714 2007 GMC YUKON DENALI 37 female single liability_only National General 62.94 0 0 0
1177 20260203-0819-8837 2026-02-03 NC BURNSVILLE 28714 1996 CHEVROLET S10 37 female single liability_only National General 62.94 0 0 0
1176 20260203-0823-1179 2026-02-03 NC OXFORD 27565 2019 FORD ESCAPE SE 39 female married full_coverage Progressive POP 119.55 0 0 0
1176 20260203-0823-1179 2026-02-03 NC OXFORD 27565 2019 FORD ESCAPE SE 39 female married full_coverage Progressive POP 119.55 0 0 0

How Violations & Risk Factors Affect Your North Carolina Rates

Your driving record and risk profile significantly impact insurance costs in North Carolina. Understanding these factors helps you anticipate rate changes and make informed decisions.

Understanding SR-22 Insurance in North Carolina

An SR-22 is not insurance itself, but a certificate of financial responsibility filed by your insurance company with the North Carolina Department of Motor Vehicles (DMV). You may need an SR-22 if you have:

  • DUI or DWI conviction
  • Multiple traffic violations in a short period
  • At-fault accident without insurance
  • License suspension or revocation
  • Conviction for driving without insurance
SR-22 Cost Impact: Interestingly, our North Carolina data shows SR-22 liability coverage averaging $62/month compared to $93/month for non-SR22 drivers. This unusual pattern may reflect the specific quote sample and carrier mix. The SR-22 filing itself costs $15-50, and SR-22 is usually required for 3 years in North Carolina.

Need SR-22 insurance? Learn more about SR-22 insurance in North Carolina and get quotes from providers who specialize in high-risk coverage.

Drivers with tickets, accidents, lapses in coverage, or higher risk profiles often need more flexible underwriting options. Some shoppers compare companies such as Bristol West Insurance or The General Insurance, which are commonly considered for drivers looking for affordable or non standard coverage solutions in North Carolina.

SR22 vs non SR22 rate comparison

Filters: Geo_mode state, _show_summary , State NC

Source ... A Plus Insurance Quote Dataset

Liability only

Filters: Geo_mode state, _show_summary , State NC, Coverage liability_only

  • Across 1 areas, Non SR22 avg monthly averages $95.36 per month while SR22 avg monthly averages $229.70 ... a typical gap of $134.34.
  • This gap is often driven by underwriting tolerance and the way coverage is structured within each group.
  • Use filters to compare similar coverage, then review the evidence table for context.
StateNon SR22 avg monthlySR22 avg monthlyDollar difference
NC$95.36$229.70$134.34

Last updated: 2026-03-25 06:20:12

Download CSV (evidence)

Full coverage

Filters: Geo_mode state, _show_summary , State NC, Coverage full_coverage

StateNon SR22 avg monthlySR22 avg monthlyDollar difference
NC$190.78

Last updated: 2026-03-25 06:20:12

Download CSV (evidence)

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)
Record ID Agent Agent NPN State City ZIP Age Sex Marital Status Currently Insured Prior Carrier Vehicle Year Vehicle Make Vehicle Model Coverage Package Carrier Quoted Monthly Premium SR22 Required DUI Flag DUI Count Accidents Count Violations Count Created At
1934 Ruby Finley 21453504 NC Statesville 28677 69 male single yes National General Insurance 2024 Mitsubishi Mirage liability_only Dairyland 397.400000 yes yes 1 1 1 2026-03-23 18:39:48
1933 Lauren McKenzie 19081764 NC 27265 unknown unknown unknown liability_only Progressive 175.690000 no unknown 0 0 0 2026-03-23 18:39:47
1838 Lauren McKenzie 19081764 NC HENDERSONVILLE 28792 33 male married yes PROGRESSIVE 2016 RAM RAM TRUCK 1500 SLT full_coverage Dairyland 769.330000 no no 0 0 0 2026-03-20 16:06:16
1517 Alexis Karapiparis NC RALEIGH 27609 38 male married no Dairyland 2025 HONDA PILOT TRAILSPORT full_coverage Progressive 190.420000 no no 0 0 0 2026-02-18 16:59:35
1516 Ruby Finley 21453504 NC EAST FLAT ROCK 28726 37 male single no None 1997 FORD F250 liability_only Dairyland 59.830000 no no 0 0 0 2026-02-18 16:57:42
1316 NC RALEIGH 27609 38 male married yes OTHER 2025 HONDA PILOT TRAILSPORT full_coverage Progressive POP 105.750000 no no 0 0 0 2026-02-04 19:04:53
1316 NC RALEIGH 27609 38 male married yes OTHER 2025 HONDA PILOT TRAILSPORT full_coverage Progressive POP 105.750000 no no 0 0 0 2026-02-04 19:04:53
1315 Ruby Finley 21453504 NC HAZELWOOD 28786 21 male single yes All Other Standard Companie 2006 INFINITI G35 liability_only National General 306.390000 no no 0 0 1 2026-02-04 19:04:01
1315 Ruby Finley 21453504 NC HAZELWOOD 28786 21 male single yes All Other Standard Companie 2022 DODGE CHARGER SCAT PACK liability_only National General 306.390000 no no 0 0 1 2026-02-04 19:04:01
1308 Ruby Finley 21453504 NC FORT BRAGG 28310 20 male single no Dairyland 2008 FORD MUSTANG liability_only Progressive 84.290000 no no 0 0 1 2026-02-04 18:14:57
1307 Ashley Ledbetter 20013497 NC CHARLOTTE 28208 41 female single yes ERIE INSURANCE COMPANY 2017 GENESIS G90 PREMIUM full_coverage National General 353.480000 no no 0 0 2 2026-02-04 18:14:22
1307 Ashley Ledbetter 20013497 NC CHARLOTTE 28208 41 female single yes ERIE INSURANCE COMPANY 2016 NISSAN SENTRA S full_coverage National General 353.480000 no no 0 0 2 2026-02-04 18:14:22
1307 Ashley Ledbetter 20013497 NC CHARLOTTE 28208 41 female single yes ERIE INSURANCE COMPANY full_coverage National General 353.480000 no no 0 0 2 2026-02-04 18:14:22
1306 Ruby Finley 21453504 NC DURHAM 27713 25 female single yes All Other Standard Companies 2010 HONDA PILOT EXL liability_only Progressive POP 47.170000 no no 0 0 0 2026-02-04 18:13:49
1306 Ruby Finley 21453504 NC DURHAM 27713 25 female single yes All Other Standard Companies 2010 HONDA PILOT EXL liability_only Progressive POP 47.170000 no no 0 0 0 2026-02-04 18:13:49
1305 Ashley Ledbetter 20013497 NC CHARLOTTE 28203 44 male single yes PROGRESSIVE 2011 NISSAN ALTIMA liability_only Progressive 72.670000 no no 0 0 0 2026-02-04 18:13:12
1304 Ruby Finley 21453504 NC GREENSBORO 27406 24 male single no Progressive 2004 JEEP GRAND CHEROKEE LIMIT liability_only Dairyland 84.700000 no no 0 0 0 2026-02-04 18:12:00
1303 Ashley Ledbetter 20013497 NC LEXINGTON 27295 36 female married yes PROGRESSIVE 2016 TOYOTA CAMRY LE full_coverage Progressive 79.100000 no no 0 0 0 2026-02-04 18:11:18
1303 Ashley Ledbetter 20013497 NC LEXINGTON 27295 36 female married yes PROGRESSIVE 2016 TOYOTA CAMRY LE full_coverage Progressive 79.100000 no no 0 0 0 2026-02-04 18:11:18
1302 Ruby Finley 21453504 NC BOONE 28607 22 male single no Progressive 2020 DODGE CHARGER SRT HELLCAT full_coverage National General 338.310000 no no 0 0 0 2026-02-04 18:10:43
1301 Ruby Finley 21453504 NC RALEIGH 27610 41 male married yes Progressive POP 2026 HONDA CR-V EX full_coverage Progressive 116.140000 no no 0 0 0 2026-02-04 18:09:48
1301 Ruby Finley 21453504 NC RALEIGH 27610 41 male married yes Progressive POP 2026 HONDA CR-V EX full_coverage Progressive 116.140000 no no 0 0 0 2026-02-04 18:09:48
1300 Ruby Finley 21453504 NC MILL SPRING 28756 42 male single yes National General 2019 TOYOTA TUNDRA CREWMAX SR5 full_coverage Progressive 91.440000 no no 0 0 0 2026-02-04 18:09:14
1300 Ruby Finley 21453504 NC MILL SPRING 28756 42 male single yes National General 2019 TOYOTA TUNDRA CREWMAX SR5 full_coverage Progressive 91.440000 no no 0 0 0 2026-02-04 18:09:14
1299 Alexis Karapiparis NC KNIGHTDALE 27545 50 female single yes STATE FARM FIRE AND CAS 2018 DODGE JOURNEY SE full_coverage National General 118.930000 no no 0 0 0 2026-02-04 18:08:26
1298 Alexis Karapiparis NC LUMBERTON 28358 71 female separated no Dairyland 2019 BUICK ENCORE ESSENCE full_coverage Progressive 123.870000 no no 0 0 0 2026-02-04 18:07:39
1297 Ashley Ledbetter 20013497 NC ELLENBORO 28040 21 male single no None 1988 FORD ECONOLINE E150 liability_only Progressive 55.600000 no no 0 0 0 2026-02-04 18:06:49
1297 Ashley Ledbetter 20013497 NC ELLENBORO 28040 21 male single no None 1988 FORD ECONOLINE E150 liability_only Progressive 55.600000 no no 0 0 0 2026-02-04 18:06:49
1296 Ruby Finley 21453504 NC CHARLOTTE 28202 34 female single yes All Other Standard Companie 2026 TOYOTA CAMRY LE full_coverage National General 189.620000 no no 0 0 0 2026-02-04 18:06:13
1295 Ashley Ledbetter 20013497 NC GASTONIA 28056 26 male single no Progressive 2020 CHEVROLET SILVERADO C1500 full_coverage National General 158.780000 no no 0 0 0 2026-02-04 18:05:36
1294 Alexis Karapiparis NC DURHAM 27708 18 male single no National General 2025 AUDI SQ5 PREMIUM PLUS full_coverage National General 402.710000 no no 0 0 0 2026-02-04 18:04:31
1293 NC GREENSBORO 27411 22 female single no Progressive 2018 HONDA ACCORD LX full_coverage National General 142.870000 no no 0 0 0 2026-02-04 18:03:55
1231 NC WILMINGTON 28403 21 female single no None 2021 VOLVO XC60 T5 MOMENTUM liability_only Progressive 68.660000 no no 0 0 0 2026-02-03 19:02:26
1186 Alexis Karapiparis NC FRANKLIN 28734 39 male separated no Progressive 2012 TOYOTA CAMRY liability_only Dairyland 62.010000 yes no 0 0 0 2026-02-03 15:39:16
1185 Ashley Ledbetter 20013497 NC HAZELWOOD 28786 41 male single yes All Other Non Standard Comp 2002 TOYOTA CAMRY LE full_coverage Progressive 77.570000 no no 0 0 0 2026-02-03 15:38:28
1184 Ruby Finley 21453504 NC WILMINGTON 28403 22 male single no Dairyland 2017 JEEP GRAND CHEROKEE LARED liability_only Progressive 66.860000 no no 0 0 1 2026-02-03 15:32:15
1183 Crystal Farley 18863693 NC RALEIGH 27615 26 male single yes All Other Non Voluntary Comp 2025 BMW 430I full_coverage Progressive POP 226.520000 no no 0 0 1 2026-02-03 15:31:36
1182 Ashley Ledbetter 20013497 NC ARDEN 28704 61 female single no National General 2012 HONDA CIVIC LX liability_only Progressive 45.660000 no no 0 0 0 2026-02-03 15:30:50
1181 Ruby Finley 21453504 NC CREEDMOOR 27522 30 male single no Dairyland 2017 KIA OPTIMA LX full_coverage National General 133.010000 no no 0 0 0 2026-02-03 15:30:12
1180 NC NEBO 28761 29 female married yes PROGRESSIVE INSURANCE 2020 TOYOTA CAMRY SE NIGHT SHADE liability_only Progressive 55.600000 no no 0 0 0 2026-02-03 15:29:32
1179 Ruby Finley 21453504 NC MARION 28752 77 female widowed yes All Other Standard Companie 2020 SUBARU ASCENT LIMITED full_coverage Progressive 97.370000 no no 0 0 0 2026-02-03 15:28:49
1179 Ruby Finley 21453504 NC MARION 28752 77 female widowed yes All Other Standard Companie 1994 FORD F150 full_coverage Progressive 97.370000 no no 0 0 0 2026-02-03 15:28:49
1178 NC WAYNESVILLE 28786 50 female single yes PROGRESSIVE INSURANCE 2002 ACURA MDX TOURING liability_only Progressive 58.330000 no no 0 0 0 2026-02-03 15:27:53
1177 NC BURNSVILLE 28714 37 female single no None 2007 GMC YUKON DENALI liability_only National General 62.940000 no no 0 0 0 2026-02-03 15:27:07
1177 NC BURNSVILLE 28714 37 female single no None 1996 CHEVROLET S10 liability_only National General 62.940000 no no 0 0 0 2026-02-03 15:27:07
1176 Ashley Ledbetter 20013497 NC OXFORD 27565 39 female married yes LIBERTY MUTUAL FIRE INS 2019 FORD ESCAPE SE full_coverage Progressive POP 119.550000 no no 0 0 0 2026-02-03 15:26:08
1176 Ashley Ledbetter 20013497 NC OXFORD 27565 39 female married yes LIBERTY MUTUAL FIRE INS 2019 FORD ESCAPE SE full_coverage Progressive POP 119.550000 no no 0 0 0 2026-02-03 15:26:08

How DUI Affects Your North Carolina Insurance Rates

A DUI conviction has severe consequences for auto insurance in North Carolina:

  • Rate Increase: Average increase of 60-100% for 3-5 years
  • SR-22 Requirement: Mandatory filing for minimum 3 years
  • Limited Options: Many standard insurers will not cover DUI drivers
  • Long-term Impact: DUI stays on your record for 10 years in North Carolina

After a DUI, you’ll need to obtain coverage from high-risk or non-standard insurance providers. Rates gradually decrease as time passes without additional violations, but expect elevated premiums for several years.

Common Traffic Violations and Rate Impacts in North Carolina

Violation Type Typical Rate Increase Duration of Impact
Speeding (15+ mph over) 20-30% 3 years
At-fault accident 30-50% 3-5 years
Reckless driving 40-70% 3-5 years
DUI/DWI 60-100% 5-10 years
Driving without insurance 50-80% 3 years
Good News: Maintaining a clean driving record for 3-5 years can significantly reduce rates. Many insurers offer accident forgiveness and safe driver discounts.

For more detail, review our North Carolina car insurance guide, compare nearby regional differences with South Carolina insurance, and explore alternative carrier options such as Bristol West Insurance and The General Insurance.

Liability only vs full coverage by company

Filters: State NC

Source ... A Plus Insurance Quote Dataset

Liability only Full coverage
Dairyland
$150.99
$769.33
National General
$184.67
$254.47
Progressive
$69.44
$114.82

Across these carriers, liability only averages $135.03 per month, while full coverage averages $379.54. The largest gap in this view is $618.35 for Dairyland.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1934 1rId5tH5kZUJkj2MTMwDVaj71Xpr4uG2G 2026-03-21 NC Statesville 28677 2024 Mitsubishi Mirage 69 male single liability_only Dairyland 397.40 1 1 1
1933 18zCqNaQ_QuBw1qZoqkmKYg9YFt2rJu7T 2026-03-20 NC 27265 unknown unknown liability_only Progressive 175.69 0 0 0
1838 20260320-1156-3852 2026-03-20 NC HENDERSONVILLE 28792 2016 RAM RAM TRUCK 1500 SLT 33 male married full_coverage Dairyland 769.33 0 0 0
1517 20260211-095935-2450 2026-02-11 NC RALEIGH 27609 2025 HONDA PILOT TRAILSPORT 38 male married full_coverage Progressive 190.42 0 0 0
1516 20260213-095742-5441 2026-02-13 NC EAST FLAT ROCK 28726 1997 FORD F250 37 male single liability_only Dairyland 59.83 0 0 0
1316 20260204-1238-8038 2026-02-04 NC RALEIGH 27609 2025 HONDA PILOT TRAILSPORT 38 male married full_coverage Progressive POP 105.75 0 0 0
1316 20260204-1238-8038 2026-02-04 NC RALEIGH 27609 2025 HONDA PILOT TRAILSPORT 38 male married full_coverage Progressive POP 105.75 0 0 0
1315 20260204-1239-9703 2026-02-04 NC HAZELWOOD 28786 2006 INFINITI G35 21 male single liability_only National General 306.39 1 0 0
1315 20260204-1239-9703 2026-02-04 NC HAZELWOOD 28786 2022 DODGE CHARGER SCAT PACK 21 male single liability_only National General 306.39 1 0 0
1308 20251205-111457-6629 2025-12-05 NC FORT BRAGG 28310 2008 FORD MUSTANG 20 male single liability_only Progressive 84.29 1 0 0
1307 20260204-1243-3592 2026-02-04 NC CHARLOTTE 28208 2017 GENESIS G90 PREMIUM 41 female single full_coverage National General 353.48 2 0 0
1307 20260204-1243-3592 2026-02-04 NC CHARLOTTE 28208 2016 NISSAN SENTRA S 41 female single full_coverage National General 353.48 2 0 0
1307 20260204-1243-3592 2026-02-04 NC CHARLOTTE 28208 41 female single full_coverage National General 353.48 2 0 0
1306 20251222-111349-0285 2025-12-22 NC DURHAM 27713 2010 HONDA PILOT EXL 25 female single liability_only Progressive POP 47.17 0 0 0
1306 20251222-111349-0285 2025-12-22 NC DURHAM 27713 2010 HONDA PILOT EXL 25 female single liability_only Progressive POP 47.17 0 0 0
1305 20260108-1245-2812 2026-01-08 NC CHARLOTTE 28203 2011 NISSAN ALTIMA 44 male single liability_only Progressive 72.67 0 0 0
1304 20251217-111200-4324 2025-12-17 NC GREENSBORO 27406 2004 JEEP GRAND CHEROKEE LIMIT 24 male single liability_only Dairyland 84.70 0 0 0
1303 20251222-1247-2692 2025-12-22 NC LEXINGTON 27295 2016 TOYOTA CAMRY LE 36 female married full_coverage Progressive 79.10 0 0 0
1303 20251222-1247-2692 2025-12-22 NC LEXINGTON 27295 2016 TOYOTA CAMRY LE 36 female married full_coverage Progressive 79.10 0 0 0
1302 20251220-111043-7195 2025-12-20 NC BOONE 28607 2020 DODGE CHARGER SRT HELLCAT 22 male single full_coverage National General 338.31 0 0 0
1301 20260204-1249-2438 2026-02-04 NC RALEIGH 27610 2026 HONDA CR-V EX 41 male married full_coverage Progressive 116.14 0 0 0
1301 20260204-1249-2438 2026-02-04 NC RALEIGH 27610 2026 HONDA CR-V EX 41 male married full_coverage Progressive 116.14 0 0 0
1300 20260204-1251-3391 2026-02-04 NC MILL SPRING 28756 2019 TOYOTA TUNDRA CREWMAX SR5 42 male single full_coverage Progressive 91.44 0 0 0
1300 20260204-1251-3391 2026-02-04 NC MILL SPRING 28756 2019 TOYOTA TUNDRA CREWMAX SR5 42 male single full_coverage Progressive 91.44 0 0 0
1299 20251229-110826-0674 2025-12-29 NC KNIGHTDALE 27545 2018 DODGE JOURNEY SE 50 female single full_coverage National General 118.93 0 0 0
1298 20260204-1254-6569 2026-02-04 NC LUMBERTON 28358 2019 BUICK ENCORE ESSENCE 71 female separated full_coverage Progressive 123.87 0 0 0
1297 20251208-1256-7944 2025-12-08 NC ELLENBORO 28040 1988 FORD ECONOLINE E150 21 male single liability_only Progressive 55.60 0 0 0
1297 20251208-1256-7944 2025-12-08 NC ELLENBORO 28040 1988 FORD ECONOLINE E150 21 male single liability_only Progressive 55.60 0 0 0
1296 20260126-110613-6106 2026-01-26 NC CHARLOTTE 28202 2026 TOYOTA CAMRY LE 34 female single full_coverage National General 189.62 0 0 0
1295 20260119-100-5084 2026-01-19 NC GASTONIA 28056 2020 CHEVROLET SILVERADO C1500 26 male single full_coverage National General 158.78 0 0 0
1294 20260204-1301-3747 2026-02-04 NC DURHAM 27708 2025 AUDI SQ5 PREMIUM PLUS 18 male single full_coverage National General 402.71 0 0 0
1293 20260204-1302-0851 2026-02-04 NC GREENSBORO 27411 2018 HONDA ACCORD LX 22 female single full_coverage National General 142.87 0 0 0
1231 20260203-120226-7102 2026-02-03 NC WILMINGTON 28403 2021 VOLVO XC60 T5 MOMENTUM 21 female single liability_only Progressive 68.66 0 0 0
1186 20260203-0824-6424 2026-02-03 NC FRANKLIN 28734 2012 TOYOTA CAMRY 39 male separated liability_only Dairyland 62.01 0 0 0
1185 20260203-0826-1986 2026-02-03 NC HAZELWOOD 28786 2002 TOYOTA CAMRY LE 41 male single full_coverage Progressive 77.57 0 0 0
1184 20260203-0806-5052 2026-02-03 NC WILMINGTON 28403 2017 JEEP GRAND CHEROKEE LARED 22 male single liability_only Progressive 66.86 1 0 0
1183 20260203-0807-5259 2026-02-03 NC RALEIGH 27615 2025 BMW 430I 26 male single full_coverage Progressive POP 226.52 1 0 0
1182 20260203-808-0089 2026-02-03 NC ARDEN 28704 2012 HONDA CIVIC LX 61 female single liability_only Progressive 45.66 0 0 0
1181 20260203-0808-6314 2026-02-03 NC CREEDMOOR 27522 2017 KIA OPTIMA LX 30 male single full_coverage National General 133.01 0 0 0
1180 20260203-0810-7517 2026-02-03 NC NEBO 28761 2020 TOYOTA CAMRY SE NIGHT SHADE 29 female married liability_only Progressive 55.60 0 0 0
1179 20260203-082849-4106 2026-02-03 NC MARION 28752 2020 SUBARU ASCENT LIMITED 77 female widowed full_coverage Progressive 97.37 0 0 0
1179 20260203-082849-4106 2026-02-03 NC MARION 28752 1994 FORD F150 77 female widowed full_coverage Progressive 97.37 0 0 0
1178 20260203-0816-3651 2026-02-03 NC WAYNESVILLE 28786 2002 ACURA MDX TOURING 50 female single liability_only Progressive 58.33 0 0 0
1177 20260203-0819-8837 2026-02-03 NC BURNSVILLE 28714 2007 GMC YUKON DENALI 37 female single liability_only National General 62.94 0 0 0
1177 20260203-0819-8837 2026-02-03 NC BURNSVILLE 28714 1996 CHEVROLET S10 37 female single liability_only National General 62.94 0 0 0
1176 20260203-0823-1179 2026-02-03 NC OXFORD 27565 2019 FORD ESCAPE SE 39 female married full_coverage Progressive POP 119.55 0 0 0
1176 20260203-0823-1179 2026-02-03 NC OXFORD 27565 2019 FORD ESCAPE SE 39 female married full_coverage Progressive POP 119.55 0 0 0

Cheapest auto insurance companies

Filters: Filters: State NC

Source ... A Plus Insurance Quote Dataset

Dairyland
$274.65
National General
$234.52
Progressive
$95.37
  • Pricing ranges from $95.37 (Progressive) to $274.65 (Dairyland) ... a spread of $179.28.
  • Based on real auto insurance quotes grouped into 3 company results, the average across this view is $201.52. The spread is about 188% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1934 1rId5tH5kZUJkj2MTMwDVaj71Xpr4uG2G 2026-03-21 NC Statesville 28677 2024 Mitsubishi Mirage 69 male single liability_only Dairyland 397.40 1 1 1
1933 18zCqNaQ_QuBw1qZoqkmKYg9YFt2rJu7T 2026-03-20 NC 27265 unknown unknown liability_only Progressive 175.69 0 0 0
1838 20260320-1156-3852 2026-03-20 NC HENDERSONVILLE 28792 2016 RAM RAM TRUCK 1500 SLT 33 male married full_coverage Dairyland 769.33 0 0 0
1517 20260211-095935-2450 2026-02-11 NC RALEIGH 27609 2025 HONDA PILOT TRAILSPORT 38 male married full_coverage Progressive 190.42 0 0 0
1516 20260213-095742-5441 2026-02-13 NC EAST FLAT ROCK 28726 1997 FORD F250 37 male single liability_only Dairyland 59.83 0 0 0
1316 20260204-1238-8038 2026-02-04 NC RALEIGH 27609 2025 HONDA PILOT TRAILSPORT 38 male married full_coverage Progressive POP 105.75 0 0 0
1316 20260204-1238-8038 2026-02-04 NC RALEIGH 27609 2025 HONDA PILOT TRAILSPORT 38 male married full_coverage Progressive POP 105.75 0 0 0
1315 20260204-1239-9703 2026-02-04 NC HAZELWOOD 28786 2006 INFINITI G35 21 male single liability_only National General 306.39 1 0 0
1315 20260204-1239-9703 2026-02-04 NC HAZELWOOD 28786 2022 DODGE CHARGER SCAT PACK 21 male single liability_only National General 306.39 1 0 0
1308 20251205-111457-6629 2025-12-05 NC FORT BRAGG 28310 2008 FORD MUSTANG 20 male single liability_only Progressive 84.29 1 0 0
1307 20260204-1243-3592 2026-02-04 NC CHARLOTTE 28208 2017 GENESIS G90 PREMIUM 41 female single full_coverage National General 353.48 2 0 0
1307 20260204-1243-3592 2026-02-04 NC CHARLOTTE 28208 2016 NISSAN SENTRA S 41 female single full_coverage National General 353.48 2 0 0
1307 20260204-1243-3592 2026-02-04 NC CHARLOTTE 28208 41 female single full_coverage National General 353.48 2 0 0
1306 20251222-111349-0285 2025-12-22 NC DURHAM 27713 2010 HONDA PILOT EXL 25 female single liability_only Progressive POP 47.17 0 0 0
1306 20251222-111349-0285 2025-12-22 NC DURHAM 27713 2010 HONDA PILOT EXL 25 female single liability_only Progressive POP 47.17 0 0 0
1305 20260108-1245-2812 2026-01-08 NC CHARLOTTE 28203 2011 NISSAN ALTIMA 44 male single liability_only Progressive 72.67 0 0 0
1304 20251217-111200-4324 2025-12-17 NC GREENSBORO 27406 2004 JEEP GRAND CHEROKEE LIMIT 24 male single liability_only Dairyland 84.70 0 0 0
1303 20251222-1247-2692 2025-12-22 NC LEXINGTON 27295 2016 TOYOTA CAMRY LE 36 female married full_coverage Progressive 79.10 0 0 0
1303 20251222-1247-2692 2025-12-22 NC LEXINGTON 27295 2016 TOYOTA CAMRY LE 36 female married full_coverage Progressive 79.10 0 0 0
1302 20251220-111043-7195 2025-12-20 NC BOONE 28607 2020 DODGE CHARGER SRT HELLCAT 22 male single full_coverage National General 338.31 0 0 0
1301 20260204-1249-2438 2026-02-04 NC RALEIGH 27610 2026 HONDA CR-V EX 41 male married full_coverage Progressive 116.14 0 0 0
1301 20260204-1249-2438 2026-02-04 NC RALEIGH 27610 2026 HONDA CR-V EX 41 male married full_coverage Progressive 116.14 0 0 0
1300 20260204-1251-3391 2026-02-04 NC MILL SPRING 28756 2019 TOYOTA TUNDRA CREWMAX SR5 42 male single full_coverage Progressive 91.44 0 0 0
1300 20260204-1251-3391 2026-02-04 NC MILL SPRING 28756 2019 TOYOTA TUNDRA CREWMAX SR5 42 male single full_coverage Progressive 91.44 0 0 0
1299 20251229-110826-0674 2025-12-29 NC KNIGHTDALE 27545 2018 DODGE JOURNEY SE 50 female single full_coverage National General 118.93 0 0 0
1298 20260204-1254-6569 2026-02-04 NC LUMBERTON 28358 2019 BUICK ENCORE ESSENCE 71 female separated full_coverage Progressive 123.87 0 0 0
1297 20251208-1256-7944 2025-12-08 NC ELLENBORO 28040 1988 FORD ECONOLINE E150 21 male single liability_only Progressive 55.60 0 0 0
1297 20251208-1256-7944 2025-12-08 NC ELLENBORO 28040 1988 FORD ECONOLINE E150 21 male single liability_only Progressive 55.60 0 0 0
1296 20260126-110613-6106 2026-01-26 NC CHARLOTTE 28202 2026 TOYOTA CAMRY LE 34 female single full_coverage National General 189.62 0 0 0
1295 20260119-100-5084 2026-01-19 NC GASTONIA 28056 2020 CHEVROLET SILVERADO C1500 26 male single full_coverage National General 158.78 0 0 0
1294 20260204-1301-3747 2026-02-04 NC DURHAM 27708 2025 AUDI SQ5 PREMIUM PLUS 18 male single full_coverage National General 402.71 0 0 0
1293 20260204-1302-0851 2026-02-04 NC GREENSBORO 27411 2018 HONDA ACCORD LX 22 female single full_coverage National General 142.87 0 0 0
1231 20260203-120226-7102 2026-02-03 NC WILMINGTON 28403 2021 VOLVO XC60 T5 MOMENTUM 21 female single liability_only Progressive 68.66 0 0 0
1186 20260203-0824-6424 2026-02-03 NC FRANKLIN 28734 2012 TOYOTA CAMRY 39 male separated liability_only Dairyland 62.01 0 0 0
1185 20260203-0826-1986 2026-02-03 NC HAZELWOOD 28786 2002 TOYOTA CAMRY LE 41 male single full_coverage Progressive 77.57 0 0 0
1184 20260203-0806-5052 2026-02-03 NC WILMINGTON 28403 2017 JEEP GRAND CHEROKEE LARED 22 male single liability_only Progressive 66.86 1 0 0
1183 20260203-0807-5259 2026-02-03 NC RALEIGH 27615 2025 BMW 430I 26 male single full_coverage Progressive POP 226.52 1 0 0
1182 20260203-808-0089 2026-02-03 NC ARDEN 28704 2012 HONDA CIVIC LX 61 female single liability_only Progressive 45.66 0 0 0
1181 20260203-0808-6314 2026-02-03 NC CREEDMOOR 27522 2017 KIA OPTIMA LX 30 male single full_coverage National General 133.01 0 0 0
1180 20260203-0810-7517 2026-02-03 NC NEBO 28761 2020 TOYOTA CAMRY SE NIGHT SHADE 29 female married liability_only Progressive 55.60 0 0 0
1179 20260203-082849-4106 2026-02-03 NC MARION 28752 2020 SUBARU ASCENT LIMITED 77 female widowed full_coverage Progressive 97.37 0 0 0
1179 20260203-082849-4106 2026-02-03 NC MARION 28752 1994 FORD F150 77 female widowed full_coverage Progressive 97.37 0 0 0
1178 20260203-0816-3651 2026-02-03 NC WAYNESVILLE 28786 2002 ACURA MDX TOURING 50 female single liability_only Progressive 58.33 0 0 0
1177 20260203-0819-8837 2026-02-03 NC BURNSVILLE 28714 2007 GMC YUKON DENALI 37 female single liability_only National General 62.94 0 0 0
1177 20260203-0819-8837 2026-02-03 NC BURNSVILLE 28714 1996 CHEVROLET S10 37 female single liability_only National General 62.94 0 0 0
1176 20260203-0823-1179 2026-02-03 NC OXFORD 27565 2019 FORD ESCAPE SE 39 female married full_coverage Progressive POP 119.55 0 0 0
1176 20260203-0823-1179 2026-02-03 NC OXFORD 27565 2019 FORD ESCAPE SE 39 female married full_coverage Progressive POP 119.55 0 0 0

Driver age average monthly by area

Filters: Filters: State NC

Source ... A Plus Insurance Quote Dataset

18
$402.71
20
$84.29
21
$158.53
22
$182.68
24
$84.70
25
$47.17
26
$192.65
29
$55.60
30
$133.01
33
$769.33
34
$189.62
36
$79.10
37
$61.90
38
$133.97
39
$100.37
41
$228.38
42
$91.44
44
$72.67
50
$88.63
61
$45.66
69
$397.40
71
$123.87
77
$97.37
  • Pricing ranges from $45.66 (61) to $769.33 (33) ... a spread of $723.67.
  • Based on real auto insurance quotes grouped into 23 company results, the average across this view is $166.13. The spread is about 1585% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1934 1rId5tH5kZUJkj2MTMwDVaj71Xpr4uG2G 2026-03-21 NC Statesville 28677 2024 Mitsubishi Mirage 69 male single liability_only Dairyland 397.40 1 1 1
1838 20260320-1156-3852 2026-03-20 NC HENDERSONVILLE 28792 2016 RAM RAM TRUCK 1500 SLT 33 male married full_coverage Dairyland 769.33 0 0 0
1517 20260211-095935-2450 2026-02-11 NC RALEIGH 27609 2025 HONDA PILOT TRAILSPORT 38 male married full_coverage Progressive 190.42 0 0 0
1516 20260213-095742-5441 2026-02-13 NC EAST FLAT ROCK 28726 1997 FORD F250 37 male single liability_only Dairyland 59.83 0 0 0
1316 20260204-1238-8038 2026-02-04 NC RALEIGH 27609 2025 HONDA PILOT TRAILSPORT 38 male married full_coverage Progressive POP 105.75 0 0 0
1316 20260204-1238-8038 2026-02-04 NC RALEIGH 27609 2025 HONDA PILOT TRAILSPORT 38 male married full_coverage Progressive POP 105.75 0 0 0
1315 20260204-1239-9703 2026-02-04 NC HAZELWOOD 28786 2006 INFINITI G35 21 male single liability_only National General 306.39 1 0 0
1315 20260204-1239-9703 2026-02-04 NC HAZELWOOD 28786 2022 DODGE CHARGER SCAT PACK 21 male single liability_only National General 306.39 1 0 0
1308 20251205-111457-6629 2025-12-05 NC FORT BRAGG 28310 2008 FORD MUSTANG 20 male single liability_only Progressive 84.29 1 0 0
1307 20260204-1243-3592 2026-02-04 NC CHARLOTTE 28208 2017 GENESIS G90 PREMIUM 41 female single full_coverage National General 353.48 2 0 0
1307 20260204-1243-3592 2026-02-04 NC CHARLOTTE 28208 2016 NISSAN SENTRA S 41 female single full_coverage National General 353.48 2 0 0
1307 20260204-1243-3592 2026-02-04 NC CHARLOTTE 28208 41 female single full_coverage National General 353.48 2 0 0
1306 20251222-111349-0285 2025-12-22 NC DURHAM 27713 2010 HONDA PILOT EXL 25 female single liability_only Progressive POP 47.17 0 0 0
1306 20251222-111349-0285 2025-12-22 NC DURHAM 27713 2010 HONDA PILOT EXL 25 female single liability_only Progressive POP 47.17 0 0 0
1305 20260108-1245-2812 2026-01-08 NC CHARLOTTE 28203 2011 NISSAN ALTIMA 44 male single liability_only Progressive 72.67 0 0 0
1304 20251217-111200-4324 2025-12-17 NC GREENSBORO 27406 2004 JEEP GRAND CHEROKEE LIMIT 24 male single liability_only Dairyland 84.70 0 0 0
1303 20251222-1247-2692 2025-12-22 NC LEXINGTON 27295 2016 TOYOTA CAMRY LE 36 female married full_coverage Progressive 79.10 0 0 0
1303 20251222-1247-2692 2025-12-22 NC LEXINGTON 27295 2016 TOYOTA CAMRY LE 36 female married full_coverage Progressive 79.10 0 0 0
1302 20251220-111043-7195 2025-12-20 NC BOONE 28607 2020 DODGE CHARGER SRT HELLCAT 22 male single full_coverage National General 338.31 0 0 0
1301 20260204-1249-2438 2026-02-04 NC RALEIGH 27610 2026 HONDA CR-V EX 41 male married full_coverage Progressive 116.14 0 0 0
1301 20260204-1249-2438 2026-02-04 NC RALEIGH 27610 2026 HONDA CR-V EX 41 male married full_coverage Progressive 116.14 0 0 0
1300 20260204-1251-3391 2026-02-04 NC MILL SPRING 28756 2019 TOYOTA TUNDRA CREWMAX SR5 42 male single full_coverage Progressive 91.44 0 0 0
1300 20260204-1251-3391 2026-02-04 NC MILL SPRING 28756 2019 TOYOTA TUNDRA CREWMAX SR5 42 male single full_coverage Progressive 91.44 0 0 0
1299 20251229-110826-0674 2025-12-29 NC KNIGHTDALE 27545 2018 DODGE JOURNEY SE 50 female single full_coverage National General 118.93 0 0 0
1298 20260204-1254-6569 2026-02-04 NC LUMBERTON 28358 2019 BUICK ENCORE ESSENCE 71 female separated full_coverage Progressive 123.87 0 0 0
1297 20251208-1256-7944 2025-12-08 NC ELLENBORO 28040 1988 FORD ECONOLINE E150 21 male single liability_only Progressive 55.60 0 0 0
1297 20251208-1256-7944 2025-12-08 NC ELLENBORO 28040 1988 FORD ECONOLINE E150 21 male single liability_only Progressive 55.60 0 0 0
1296 20260126-110613-6106 2026-01-26 NC CHARLOTTE 28202 2026 TOYOTA CAMRY LE 34 female single full_coverage National General 189.62 0 0 0
1295 20260119-100-5084 2026-01-19 NC GASTONIA 28056 2020 CHEVROLET SILVERADO C1500 26 male single full_coverage National General 158.78 0 0 0
1294 20260204-1301-3747 2026-02-04 NC DURHAM 27708 2025 AUDI SQ5 PREMIUM PLUS 18 male single full_coverage National General 402.71 0 0 0
1293 20260204-1302-0851 2026-02-04 NC GREENSBORO 27411 2018 HONDA ACCORD LX 22 female single full_coverage National General 142.87 0 0 0
1231 20260203-120226-7102 2026-02-03 NC WILMINGTON 28403 2021 VOLVO XC60 T5 MOMENTUM 21 female single liability_only Progressive 68.66 0 0 0
1186 20260203-0824-6424 2026-02-03 NC FRANKLIN 28734 2012 TOYOTA CAMRY 39 male separated liability_only Dairyland 62.01 0 0 0
1185 20260203-0826-1986 2026-02-03 NC HAZELWOOD 28786 2002 TOYOTA CAMRY LE 41 male single full_coverage Progressive 77.57 0 0 0
1184 20260203-0806-5052 2026-02-03 NC WILMINGTON 28403 2017 JEEP GRAND CHEROKEE LARED 22 male single liability_only Progressive 66.86 1 0 0
1183 20260203-0807-5259 2026-02-03 NC RALEIGH 27615 2025 BMW 430I 26 male single full_coverage Progressive POP 226.52 1 0 0
1182 20260203-808-0089 2026-02-03 NC ARDEN 28704 2012 HONDA CIVIC LX 61 female single liability_only Progressive 45.66 0 0 0
1181 20260203-0808-6314 2026-02-03 NC CREEDMOOR 27522 2017 KIA OPTIMA LX 30 male single full_coverage National General 133.01 0 0 0
1180 20260203-0810-7517 2026-02-03 NC NEBO 28761 2020 TOYOTA CAMRY SE NIGHT SHADE 29 female married liability_only Progressive 55.60 0 0 0
1179 20260203-082849-4106 2026-02-03 NC MARION 28752 2020 SUBARU ASCENT LIMITED 77 female widowed full_coverage Progressive 97.37 0 0 0
1179 20260203-082849-4106 2026-02-03 NC MARION 28752 1994 FORD F150 77 female widowed full_coverage Progressive 97.37 0 0 0
1178 20260203-0816-3651 2026-02-03 NC WAYNESVILLE 28786 2002 ACURA MDX TOURING 50 female single liability_only Progressive 58.33 0 0 0
1177 20260203-0819-8837 2026-02-03 NC BURNSVILLE 28714 2007 GMC YUKON DENALI 37 female single liability_only National General 62.94 0 0 0
1177 20260203-0819-8837 2026-02-03 NC BURNSVILLE 28714 1996 CHEVROLET S10 37 female single liability_only National General 62.94 0 0 0
1176 20260203-0823-1179 2026-02-03 NC OXFORD 27565 2019 FORD ESCAPE SE 39 female married full_coverage Progressive POP 119.55 0 0 0
1176 20260203-0823-1179 2026-02-03 NC OXFORD 27565 2019 FORD ESCAPE SE 39 female married full_coverage Progressive POP 119.55 0 0 0

Driver sex average monthly by area

Filters: Filters: State NC

Source ... A Plus Insurance Quote Dataset

male
$179.00
female
$127.44
  • Pricing ranges from $127.44 (female) to $179.00 (male) ... a spread of $51.56.
  • Based on real auto insurance quotes grouped into 2 company results, the average across this view is $153.22. The spread is about 40% from lowest to highest.
  • Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
1934 1rId5tH5kZUJkj2MTMwDVaj71Xpr4uG2G 2026-03-21 NC Statesville 28677 2024 Mitsubishi Mirage 69 male single liability_only Dairyland 397.40 1 1 1
1838 20260320-1156-3852 2026-03-20 NC HENDERSONVILLE 28792 2016 RAM RAM TRUCK 1500 SLT 33 male married full_coverage Dairyland 769.33 0 0 0
1517 20260211-095935-2450 2026-02-11 NC RALEIGH 27609 2025 HONDA PILOT TRAILSPORT 38 male married full_coverage Progressive 190.42 0 0 0
1516 20260213-095742-5441 2026-02-13 NC EAST FLAT ROCK 28726 1997 FORD F250 37 male single liability_only Dairyland 59.83 0 0 0
1316 20260204-1238-8038 2026-02-04 NC RALEIGH 27609 2025 HONDA PILOT TRAILSPORT 38 male married full_coverage Progressive POP 105.75 0 0 0
1316 20260204-1238-8038 2026-02-04 NC RALEIGH 27609 2025 HONDA PILOT TRAILSPORT 38 male married full_coverage Progressive POP 105.75 0 0 0
1315 20260204-1239-9703 2026-02-04 NC HAZELWOOD 28786 2006 INFINITI G35 21 male single liability_only National General 306.39 1 0 0
1315 20260204-1239-9703 2026-02-04 NC HAZELWOOD 28786 2022 DODGE CHARGER SCAT PACK 21 male single liability_only National General 306.39 1 0 0
1308 20251205-111457-6629 2025-12-05 NC FORT BRAGG 28310 2008 FORD MUSTANG 20 male single liability_only Progressive 84.29 1 0 0
1307 20260204-1243-3592 2026-02-04 NC CHARLOTTE 28208 2017 GENESIS G90 PREMIUM 41 female single full_coverage National General 353.48 2 0 0
1307 20260204-1243-3592 2026-02-04 NC CHARLOTTE 28208 2016 NISSAN SENTRA S 41 female single full_coverage National General 353.48 2 0 0
1307 20260204-1243-3592 2026-02-04 NC CHARLOTTE 28208 41 female single full_coverage National General 353.48 2 0 0
1306 20251222-111349-0285 2025-12-22 NC DURHAM 27713 2010 HONDA PILOT EXL 25 female single liability_only Progressive POP 47.17 0 0 0
1306 20251222-111349-0285 2025-12-22 NC DURHAM 27713 2010 HONDA PILOT EXL 25 female single liability_only Progressive POP 47.17 0 0 0
1305 20260108-1245-2812 2026-01-08 NC CHARLOTTE 28203 2011 NISSAN ALTIMA 44 male single liability_only Progressive 72.67 0 0 0
1304 20251217-111200-4324 2025-12-17 NC GREENSBORO 27406 2004 JEEP GRAND CHEROKEE LIMIT 24 male single liability_only Dairyland 84.70 0 0 0
1303 20251222-1247-2692 2025-12-22 NC LEXINGTON 27295 2016 TOYOTA CAMRY LE 36 female married full_coverage Progressive 79.10 0 0 0
1303 20251222-1247-2692 2025-12-22 NC LEXINGTON 27295 2016 TOYOTA CAMRY LE 36 female married full_coverage Progressive 79.10 0 0 0
1302 20251220-111043-7195 2025-12-20 NC BOONE 28607 2020 DODGE CHARGER SRT HELLCAT 22 male single full_coverage National General 338.31 0 0 0
1301 20260204-1249-2438 2026-02-04 NC RALEIGH 27610 2026 HONDA CR-V EX 41 male married full_coverage Progressive 116.14 0 0 0
1301 20260204-1249-2438 2026-02-04 NC RALEIGH 27610 2026 HONDA CR-V EX 41 male married full_coverage Progressive 116.14 0 0 0
1300 20260204-1251-3391 2026-02-04 NC MILL SPRING 28756 2019 TOYOTA TUNDRA CREWMAX SR5 42 male single full_coverage Progressive 91.44 0 0 0
1300 20260204-1251-3391 2026-02-04 NC MILL SPRING 28756 2019 TOYOTA TUNDRA CREWMAX SR5 42 male single full_coverage Progressive 91.44 0 0 0
1299 20251229-110826-0674 2025-12-29 NC KNIGHTDALE 27545 2018 DODGE JOURNEY SE 50 female single full_coverage National General 118.93 0 0 0
1298 20260204-1254-6569 2026-02-04 NC LUMBERTON 28358 2019 BUICK ENCORE ESSENCE 71 female separated full_coverage Progressive 123.87 0 0 0
1297 20251208-1256-7944 2025-12-08 NC ELLENBORO 28040 1988 FORD ECONOLINE E150 21 male single liability_only Progressive 55.60 0 0 0
1297 20251208-1256-7944 2025-12-08 NC ELLENBORO 28040 1988 FORD ECONOLINE E150 21 male single liability_only Progressive 55.60 0 0 0
1296 20260126-110613-6106 2026-01-26 NC CHARLOTTE 28202 2026 TOYOTA CAMRY LE 34 female single full_coverage National General 189.62 0 0 0
1295 20260119-100-5084 2026-01-19 NC GASTONIA 28056 2020 CHEVROLET SILVERADO C1500 26 male single full_coverage National General 158.78 0 0 0
1294 20260204-1301-3747 2026-02-04 NC DURHAM 27708 2025 AUDI SQ5 PREMIUM PLUS 18 male single full_coverage National General 402.71 0 0 0
1293 20260204-1302-0851 2026-02-04 NC GREENSBORO 27411 2018 HONDA ACCORD LX 22 female single full_coverage National General 142.87 0 0 0
1231 20260203-120226-7102 2026-02-03 NC WILMINGTON 28403 2021 VOLVO XC60 T5 MOMENTUM 21 female single liability_only Progressive 68.66 0 0 0
1186 20260203-0824-6424 2026-02-03 NC FRANKLIN 28734 2012 TOYOTA CAMRY 39 male separated liability_only Dairyland 62.01 0 0 0
1185 20260203-0826-1986 2026-02-03 NC HAZELWOOD 28786 2002 TOYOTA CAMRY LE 41 male single full_coverage Progressive 77.57 0 0 0
1184 20260203-0806-5052 2026-02-03 NC WILMINGTON 28403 2017 JEEP GRAND CHEROKEE LARED 22 male single liability_only Progressive 66.86 1 0 0
1183 20260203-0807-5259 2026-02-03 NC RALEIGH 27615 2025 BMW 430I 26 male single full_coverage Progressive POP 226.52 1 0 0
1182 20260203-808-0089 2026-02-03 NC ARDEN 28704 2012 HONDA CIVIC LX 61 female single liability_only Progressive 45.66 0 0 0
1181 20260203-0808-6314 2026-02-03 NC CREEDMOOR 27522 2017 KIA OPTIMA LX 30 male single full_coverage National General 133.01 0 0 0
1180 20260203-0810-7517 2026-02-03 NC NEBO 28761 2020 TOYOTA CAMRY SE NIGHT SHADE 29 female married liability_only Progressive 55.60 0 0 0
1179 20260203-082849-4106 2026-02-03 NC MARION 28752 2020 SUBARU ASCENT LIMITED 77 female widowed full_coverage Progressive 97.37 0 0 0
1179 20260203-082849-4106 2026-02-03 NC MARION 28752 1994 FORD F150 77 female widowed full_coverage Progressive 97.37 0 0 0
1178 20260203-0816-3651 2026-02-03 NC WAYNESVILLE 28786 2002 ACURA MDX TOURING 50 female single liability_only Progressive 58.33 0 0 0
1177 20260203-0819-8837 2026-02-03 NC BURNSVILLE 28714 2007 GMC YUKON DENALI 37 female single liability_only National General 62.94 0 0 0
1177 20260203-0819-8837 2026-02-03 NC BURNSVILLE 28714 1996 CHEVROLET S10 37 female single liability_only National General 62.94 0 0 0
1176 20260203-0823-1179 2026-02-03 NC OXFORD 27565 2019 FORD ESCAPE SE 39 female married full_coverage Progressive POP 119.55 0 0 0
1176 20260203-0823-1179 2026-02-03 NC OXFORD 27565 2019 FORD ESCAPE SE 39 female married full_coverage Progressive POP 119.55 0 0 0

Auto Insurance Coverage Across North Carolina Counties

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Jayleen Ridgeway - Marketing Manager

Jayleen Ridgeway

Marketing Manager| 9 Years of Digital and Marketing Strategy

Data-driven marketing strategist specializing in insurance rate analysis, pricing trends, and consumer insights derived from real-world first-party data. With a background in SaaS technology, Jayleen leads all marketing and social media efforts while uncovering actionable trends from monthly, quarterly, and yearly insurance data.

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