Car insurance premiums in North Carolina can vary widely based on the vehicle you own. Insurers consider not only the make and model, but also safety ratings, likelihood of theft, cost of repairs and other factors, including age, location and driving record.
We’ve listed the most affordable cars to insure in North Carolina by category, from sedans to sports cars and EVs.
Ranked: The cheapest cars to insure in North Carolina
The Jeep Wrangler and Honda CR-V are the cheapest vehicles to insure in North Carolina, closely followed by the Acura RDX and Subaru Outback, according to our data analysis.
Below is a list of the cheapest vehicles to insure in North Carolina and their average six-month full coverage 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
Auto insurance rates differ based on the type of vehicle. Typically, Hatchback models have the lowest premiums, while Performance Car tend to cost the most to insure.
Whether you drive a sedan or a luxury vehicle, we’ve crunched the numbers to find out which models cost the least to insure by vehicle type and 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
The Jeep Wrangler and Honda CR-V are the cheapest SUVs to insure in North Carolina, with an average cost of $743 and $772 respectively for a six-month full coverage policy. The table below shows how the SUVs compare in terms of insurance rates.
| 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
High-performance engines, increased repair costs and greater theft risk usually make sports cars expensive to insure.
Still, there are some models that are affordable to insure. The Honda Civic Si stands out as one of the cheapest options on our list, with an average six-month premium of $945.
The table below compares car insurance rates for different sports cars in North Carolina
| 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 vehicles typically have higher insurance costs than other types due to their premium features and advanced technology. These features make repairs and replacements significantly more expensive compared to compact crossovers like the Honda CR-V, Honda HR-V, or Volkswagen Tiguan.
With an average six-month full coverage premium of $775, the Acura RDX ranks as the most affordable luxury car to insure, followed closely by Acura MDX at $882 and the Cadillac XT4 at $889.
The following table shows average premiums for various luxury vehicles, based on a six-month full coverage policy with limits of 100/300/100 and $500 deductibles for collision and comprehensive coverage.
| 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
Electric vehicles generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $2,805 annually, which breaks down to $234 monthly.
The table below highlights the most affordable EVs to insure in North Carolina, including their average six-month full coverage premiums.
| 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
Car insurance is typically most expensive for drivers under 25, as they’re considered higher-risk due to limited driving history. Choosing a safer, lower-risk vehicle is one way to reduce those premiums. Vehicles that are easier to repair and less appealing to thieves generally come with affordable insurance rates.
The average six-month full coverage premium for an 18-year-old insuring a Jeep Wrangler is $1,649, while insuring a Honda CR-V costs $1,681 for the same coverage.
In the table below, we’ve broken down the most affordable cars to insure by vehicle type to help young drivers and their families make confident choices.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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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?
Generally speaking, EVs are more expensive to insure than gas-powered vehicles. However, some electric cars are relatively affordable to insure compared to similar gas-engine vehicles.
For example, it costs $896 to insure a Mini Cooper Electric for a six-month policy, whereas the insurance cost of a Nissan Leaf is $949, according to our analysis.
Which SUVs are the cheapest to insure in North Carolina?
The Jeep Wrangler is one of the cheapest SUVs to insure in North Carolina, with an average cost of $743 for a six-month car insurance plan. The Honda CR-V and Acura RDX also come with relatively low insurance premiums.
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 an 18-year-old driver in North Carolina. On the other hand, BMW M8 Gran Coupe, BMW M8 and Audi RS7 are the most expensive vehicles to insure for a young driver.
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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