2026 outlook, north carolina auto, based on 2025 quote data
North Carolina Auto Insurance Rates in 2026: Outlook Based on 2025 Quote Data
As we enter 2026, North Carolina drivers may see continued pressure on auto insurance pricing. This guide is based on first party quote data from 2025, representing premium returned personal auto insurance quotes from real North Carolina shoppers. For more resources, tools, and education, visit learnandserve.org.
Unlike national averages or insurer published estimates, this analysis reflects actual insurance quote outcomes, including pricing ranges and coverage differences observed in the most recent full calendar year. If you want to run your own numbers quickly, you can get a quote online.
This is not a rate guarantee or a forecast model. It is a data driven outlook grounded in observed market behavior.
State
North Carolina
North Carolina auto, vehicle insurance quoting activity.
Time period
Jan to Dec 2025
Full calendar year dataset used for this 2026 outlook.
Premium returned quotes
308
Succeeded quote rows where a premium value was returned.
Key findings from 2025 North Carolina quote data
- Typical pricing level: Across premium returned quotes, the quote volume weighted average was about $757 (6 month premium).
- High variance is normal: Monthly medians ranged around $316 to $1,734, and the lowest vs highest single quotes ranged from $154 to $5,086.
- Seasonality plus volume matter: Quote activity shifted across 2025, which helps explain why average numbers can move month to month even when your Driver factors stay the same.
What this data represents
The data used in this guide comes from internal quoting activity for North Carolina auto insurance during 2025. Quotes include a range of Driver profiles, vehicles, coverage selections, and underwriting outcomes across multiple insurance companies.
This 2026 outlook is for North Carolina auto insurance shoppers who want to understand how pricing behaves in the real market, based on quote outcomes, not marketing estimates. Use it to compare expectations and make better decisions on coverage, deductible, and which insurance companies to compare.
What 2025 quote trends suggest for 2026
Based on 2025 quote behavior, North Carolina can behave like a high variance market. Some shoppers find competitive rates, while others see sharp premiums depending on coverage level, vehicle type, driving history, and carrier appetite.
For 2026, shopping multiple insurance companies remains critical. Coverage selection can change Price more than many people expect, especially when you compare liability only vs full coverage. If you want a deeper breakdown of how full coverage works in North Carolina, see full coverage car insurance in North Carolina.
Charts and comparisons from 2025 (used for the 2026 outlook, A Plus Insurance)
Monthly average vs median premium (2025, A Plus Insurance)
Premium returned quotes only. Median is often a better typical reference than average.
Monthly premium range (lowest vs highest quotes in 2025, A Plus Insurance)
Premium returned quotes only. Shows why comparing carriers matters.
Want a current insurance quote now? You can get a quote online, then come back here and compare your result to the monthly ranges. If you want more education, visit learnandserve.org.
Practical guidance for shopping in 2026
If your goal is low cost or competitive pricing, use a consistent process so you can compare apples to apples across insurance companies.
- Compare multiple insurance companies, not one carrier.
- Run two scenarios, full coverage and liability insurance, liability only.
- Change your deductible once and re quote, then compare the premium impact.
- If you are considering full coverage, review coverage tradeoffs here, North Carolina full coverage guide.
- After you bind, obtain proof of insurance, access your Insurance Card, and print id cards if needed.
Monthly results used for this 2026 outlook (North Carolina auto, 2025, A Plus Insurance)
Monthly averages, median, and ranges calculated from premium returned North Carolina Auto (Personal) quote submissions in 2025.
| Month (2025) | Quotes | Avg Premium | Median | Low | High |
|---|---|---|---|---|---|
| Jan | 20 | $714 | $637 | $333 | $2,295 |
| Feb | 15 | $721 | $688 | $253 | $1,499 |
| Mar | 37 | $867 | $706 | $324 | $2,164 |
| Apr | 19 | $502 | $316 | $154 | $1,541 |
| May | 38 | $693 | $707 | $238 | $1,503 |
| Jun | 40 | $589 | $552 | $305 | $1,305 |
| Jul | 21 | $968 | $827 | $292 | $3,117 |
| Aug | 38 | $781 | $795 | $203 | $2,041 |
| Sep | 39 | $753 | $675 | $331 | $3,099 |
| Oct | 30 | $653 | $671 | $185 | $1,680 |
| Nov | 7 | $2,044 | $1,734 | $769 | $5,086 |
| Dec | 4 | $804 | $804 | $757 | $852 |
If you want to compare your Driver profile to the dataset, start with a current quote, then come back and use the monthly ranges for context. You can get a quote online, and you can find more guides at learnandserve.org.
FAQ
Is this 2026 data or 2025 data?
This is a 2026 outlook based on full year 2025 North Carolina auto insurance quote data.
Does this represent actual policy prices?
No. These figures reflect quote estimates returned at the time of quoting. Actual policy premium and rates vary by Driver, vehicle, coverage selections, deductible, credit, violations, accidents, and underwriting rules.
Is full coverage always worth it in North Carolina?
It depends on vehicle value, your budget, and your risk tolerance. See the full breakdown here, full coverage car insurance in North Carolina, then compare a full coverage quote to a liability only quote using the same Driver and vehicle details.
What should I do if my rates jumped this month?
Re quote and compare across multiple insurance companies, then test one deductible change and compare full coverage vs liability insurance.
How do I get a current quote fast?
You can get a quote online, and you can explore more resources at learnandserve.org.
Last Updated on by Brian Muse