North Carolina Car Insurance

North Carolina car insurance laws require all vehicles registered in North Carolina to carry liability insurance. Driving with no auto insurance in North Carolina is illegal and may subject a person to heavy fines, driver’s license suspension, personal liability for any car accident damages, and more. On average, North Carolina car insurance rates are $72/mo, or $865/yr. This is nearly forty percent below the national average. Compare rates now with our free quote calculator below.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 24, 2020

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In a nutshell...

  • The reality is that most drivers have no idea how much or what they are covered until the time comes when they need to file a claim
  • The North Carolina Department of Transportation is responsible for administering car insurance requirements
  • Many states have minimum liability insurance limits under $25,000

North Carolina car insurance laws require all vehicles registered in North Carolina to carry liability insurance.

Minimum auto insurance liability requirements are well above average in North Carolina requiring drivers to obtain levels of liability insurance sufficient for most minor car accidents.

Driving with no car insurance in North Carolina is illegal and may subject a person too heavy fines, drivers license suspension, personal liability for any car accident damages and more.

Enter your zip code above to get FREE car insurance quotes today!

North Carolina Car Insurance Requirements

Take a look at how state minimum car insurance rates vary from state to state.

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The North Carolina Department of Transportation is responsible for administering car insurance requirements and currently require all vehicles to carry at least the minimum policy limits of liability coverage.

The minimum policy limits are:

  • $30,000 liability insurance per person
  • $60,000 liability insurance for all persons
  • $25,000 property damage liability coverage

While North Carolina’s car insurance laws are higher and sufficient for most car accidents remember that liability insurance only covers injuries to other people.

Most North Carolina drivers opt for higher limits to account for the potential medical costs of car accident injuries as well as comprehensive and collision coverage.

While NC car insurance laws are pretty reasonable, drivers should always consider an auto insurance policy which provides all the coverage they need and not just enough insurance to comply with the law.

Let’s take a look at the average monthly car insurance rates.

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North Carolina Car Insurance Companies

North Carolina has around 110 licensed car insurance companies including most all national auto insurers such as Allstate, State Farm, and Geico but many regional insurers also provide both affordable and reliable coverage.

Even high-risk drivers convicted of a DUI charge or those with poor driving records and bad credit scores still have many choices.

However, it’s important to know enough about auto insurance before comparing quotes to find the best North Carolina car insurance company for you.

What do I need to know?

Some of the topics you should learn about before starting an auto insurance comparison search include:

  • What kind of insurance discounts are available?
  • How do policy deductibles work?
  • What types of auto insurance are available?
  • How much auto insurance do you need for a leased car?
  • Vehicle Safety Ratings

Car insurance is almost never optional for typical private passenger cars, and it’s also one of the most important financial tools you can have.

Let’s take a closer look at how ZIP codes affect car insurance in North Carolina.

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Some states have banned discrimination based on gender for car insurance rates, and this is one of those few states. As you can see the rate for males and females is the same, but the rate still varies with age.

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Some states have banned discrimination based on your credit score when it comes to auto insurance rates, and this is one of those States.

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Now let’s see who is the cheapest car insurance company in North Carolina.

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Who are the largest car insurance companies in North Carolina?

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Learning about auto insurance before comparing car insurance quotes can save you both time and money to take a few moments and brush up on your car insurance 101 knowledge today.

Enter your zip code below to get FREE car insurance quotes today!

References:

  1. https://www.thebalance.com/understanding-minimum-car-insurance-requirements-2645473
  2. https://www.allstate.com/auto-insurance/coverage-policies.aspx
  3. https://www.esurance.com/info/car/myth-comprehensive-covers-everything
  4. https://www.allstate.com/tools-and-resources/car-insurance/what-is-collision-insurance.aspx
  5. https://www.geico.com/save/discounts/car-insurance-discounts/

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State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Monthly North Carolina Car Insurance Rates by ZIP Code
Average Monthly Car Insurance Rates by Age & Gender in North Carolina
Factors Affecting Car Insurance Rates in North Carolina
North Carolina Car Insurance Rates by Company vs. State Average
North Carolina Car Insurers by Market Share %