In North Carolina, the type of car you drive can significantly affect your auto insurance premiums. Insurance companies take into account more than the make and model, they also factor in crash-test ratings, theft rates, safety features and average repair expenses. Other factors, such as your age and driving history, also play a key role in determining your premiums.
We’ve put together a list of the vehicles with the lowest insurance costs in North Carolina by make, model and vehicle type. Whether you drive a sedan, SUV, sports car, electric vehicle (EV) or any other luxury model, you’ll find the most affordable car insurance rates for each category below.
Ranked: The cheapest cars to insure in North Carolina
Our analysis shows that the Jeep Wrangler and the Honda CR-V have the lowest average insurance costs in North Carolina, with Acura RDX and Subaru Outback close behind.
Below, you’ll find a breakdown of the cheapest cars to insure in North Carolina and their average six-month full coverage insurance premiums.
| Car make-model | Average six-month premium |
|---|---|
| Jeep Wrangler | $743 |
| Honda CR-V | $772 |
| Acura RDX | $775 |
| Subaru Outback | $790 |
| Honda Pilot | $793 |
| Volkswagen Tiguan | $795 |
| Subaru Forester | $821 |
| Jeep Gladiator | $826 |
| Toyota RAV4 | $834 |
| Subaru Legacy | $834 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in North Carolina
Insurance premiums can vary significantly by vehicle type. For instance, Hatchback come with the most affordable insurance rates, whereas Performance Car typically have the highest costs.
We analyzed insurance rates for sedans, SUVs, sports cars, electric vehicles and luxury cars to find the most affordable makes and models in each category, along with their average six-month full coverage premiums.
Cheapest sedans to insure in North Carolina
According to our data, the Subaru Legacy is the cheapest sedan to insure, with an average six-month full coverage premium of $834. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Volkswagen Jetta ranks second on our list with an insurance cost of $891, followed by Honda Civic Sedan, which costs $914 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in North Carolina and their average full coverage six-month rates.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $834 |
| Volkswagen Jetta | $891 |
| Honda Civic Sedan | $914 |
| Toyota Corolla | $1,004 |
| Nissan Versa | $1,009 |
| Honda Accord | $1,020 |
| Volkswagen Jetta GLI | $1,022 |
| Kia Forte | $1,025 |
| Toyota Camry | $1,040 |
| Nissan Sentra | $1,046 |
| Mazda 3 Sedan | $1,051 |
| Hyundai Elantra | $1,079 |
| Chevrolet Malibu | $1,094 |
| Nissan Altima | $1,106 |
| Kia K5 | $1,173 |
| Mitsubishi Mirage G4 | $1,240 |
| Hyundai Sonata | $1,283 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in North Carolina
In North Carolina, the Jeep Wrangler and Honda CR-V are some of the most affordable SUVs to insure with an average six-month full coverage cost of $743 and $772 respectively. See the table below for the complete list of affordable SUVs to insure.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Jeep Wrangler | $743 |
| Honda CR-V | $772 |
| Honda Pilot | $793 |
| Volkswagen Tiguan | $795 |
| Subaru Forester | $821 |
| Toyota RAV4 | $834 |
| Honda HR-V | $844 |
| Toyota 4Runner | $846 |
| Chevrolet Equinox | $852 |
| Hyundai Tucson | $867 |
| Mini Cooper Countryman | $869 |
| Subaru Crosstrek | $869 |
| GMC Terrain | $873 |
| Subaru Ascent | $875 |
| Hyundai Kona | $878 |
| Kia Sportage | $882 |
| Chevrolet Tahoe | $883 |
| Chevrolet Trax | $890 |
| Mazda CX-5 | $892 |
| Volkswagen Atlas | $898 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in North Carolina
Sports cars are typically expensive to insure due to their high-performance engines (which make speeding easier and increase the risk of tickets and accidents), expensive replacement parts and higher theft rates.
But some makes and models are still affordable to insure. For instance, the Honda Civic Si is one of the most inexpensive models on our list, with an average cost of $945.
See the table below for average full coverage car insurance rates of different sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Honda Civic Si | $945 |
| Chevrolet Corvette | $1,052 |
| Mazda MX-5 Miata | $1,129 |
| Subaru BRZ | $1,149 |
| Chevrolet Corvette Z06 | $1,195 |
| Toyota GR Corolla | $1,197 |
| Chevrolet Camaro | $1,202 |
| BMW Z4 | $1,218 |
| Toyota GR Supra | $1,243 |
| Porsche 718 Boxster | $1,253 |
| Ford Mustang | $1,265 |
| Honda Civic Type R | $1,311 |
| Subaru WRX | $1,327 |
| Toyota GR86 | $1,420 |
| Porsche 718 Cayman | $1,488 |
| Nissan Z | $1,507 |
| Jaguar F-Type | $1,570 |
| Chevrolet Camaro ZL1 | $1,766 |
| Porsche 911 | $1,880 |
| Porsche 911 Turbo | $1,902 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in North Carolina
Luxury cars are also more expensive to insure than some vehicle types because they’re loaded with expensive features, making them more costly to repair and replace than smaller crossover SUVs like the Honda CR-V, Honda HR-V or Volkswagen Tiguan.
The Acura RDX is the cheapest luxury car to insure, with an average cost of $775 for a full coverage six-month policy. It is followed by the Acura MDX ($882) and Cadillac XT4 ($889).
The table below shows the full coverage six-month average premiums for different luxury vehicles with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $775 |
| Acura MDX | $882 |
| Cadillac XT4 | $889 |
| Cadillac XT5 | $908 |
| Audi Q3 | $945 |
| Acura TLX | $985 |
| Jaguar E-Pace | $1,060 |
| BMW X3 | $1,067 |
| Lexus NX | $1,104 |
| Lincoln Corsair | $1,104 |
| Audi Q7 | $1,117 |
| Mercedes-Benz GLA-Class | $1,121 |
| Audi A3 | $1,124 |
| Infiniti QX60 | $1,125 |
| Land Rover Discovery Sport | $1,129 |
| Infiniti QX50 | $1,137 |
| Porsche Macan | $1,141 |
| Lexus RX | $1,141 |
| Lexus ES | $1,150 |
| Audi Q5 | $1,154 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in North Carolina
EVs generally cost more to insure than gas-powered vehicles because their batteries and other parts are expensive and repairing them often requires specialized labor.
Based on our analysis, insuring an electric vehicle costs an average of $2,805 annually, or $234 monthly.
The table below lists the most affordable EVs to insure in North Carolina and their six-month average full coverage rates.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $896 |
| Nissan Leaf | $949 |
| Chevrolet Silverado EV | $995 |
| Kia Niro EV | $1,081 |
| Hyundai Kona Electric | $1,104 |
| Nissan Ariya | $1,159 |
| Toyota bZ4X | $1,166 |
| Volkswagen ID.4 | $1,167 |
| Volvo XC40 Recharge | $1,178 |
| Subaru Solterra | $1,220 |
| Ford Mustang Mach-E | $1,221 |
| Chevrolet Blazer EV | $1,238 |
| Kia EV6 | $1,247 |
| Tesla Model Y | $1,262 |
| Tesla Model 3 | $1,263 |
| Volvo C40 Recharge | $1,270 |
| Genesis Electrified GV70 | $1,271 |
| Hyundai Ioniq 5 | $1,284 |
| Hyundai Ioniq 6 | $1,286 |
| Mercedes-Benz EQB | $1,286 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in North Carolina
Young drivers, especially those under 25, typically face higher car insurance premiums due to their inexperience behind the wheel. Opting for a vehicle that’s safe, affordable to repair and less likely to be targeted by thieves can make a big difference in keeping insurance costs down.
An 18-year-old driver can expect to pay $1,649 to insure a Jeep Wrangler, while insuring a Honda CR-V costs $1,681 for a six-month full coverage policy for 18-year-olds.
The table below lists the most affordable cars to insure in each category, making it easier for young drivers and their families to choose and make informed insurance decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
While your choice of car has a major impact on your insurance premium, it’s not the only factor. Your driving record, location and coverage level all play a role in calculating your premium. We’ve put together this guide to help you decide on a car that aligns with your needs and keeps your insurance rates in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in North Carolina?
While electric vehicles often carry higher insurance rates than gas-powered cars, certain models stand out as more affordable when compared to their gas-engine counterparts.
For instance, it would cost you $896 for a six-month full coverage policy to insure the Mini Cooper Electric, and you can expect to pay an average of $949 for the Nissan Leaf for the same coverage.
Which SUVs are the cheapest to insure in North Carolina?
With an average six-month full coverage premium of $743, the Jeep Wrangler is one of the least expensive SUVs to insure in North Carolina. Honda CR-V and Acura RDX also offer affordable premiums to North Carolina drivers.
What are the cheapest cars to insure for teen drivers in North Carolina?
The Jeep Wrangler, Honda CR-V, Acura RDX and Subaru Outback are some of the cheapest cars to insure for 18-year-olds in North Carolina. However, insuring models such as the BMW M8 Gran Coupe, BMW M8 and Audi RS7 can be significantly more expensive due to higher risk factors.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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