Average Insurance Premiums in North Carolina (2026)
Crowdsourced and BLS-baseline data on what people actually pay for insurance in North Carolina. No affiliate rankings. Anonymous submissions only.
Auto
$116/mo
avg monthly
Home
$128/mo
avg monthly
Health
$432/mo
avg monthly
Life
$27/mo
avg monthly
Frequently asked questions
What is the average car insurance cost in North Carolina?
The average car insurance premium in North Carolina is approximately $116/month based on anonymized community submissions and NAIC state data. Rates vary significantly based on driving record, vehicle type, age, and coverage level.
How much does home insurance cost in North Carolina?
Homeowners in North Carolina pay an average of $128/month. Coastal states and areas with high weather risk tend to have significantly higher premiums.
What do people pay for health insurance in North Carolina?
Individual health insurance in North Carolina averages $432/month for marketplace plans. Employer-sponsored plans are typically lower but vary by employer contribution.
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