North Carolina Car Insurance

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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...

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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...

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Reviewed byBrad Larsen
Licensed Auto Insurance Agent

UPDATED: Mar 13, 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.

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North Carolina Car Insurance Requirements

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.

Drivers can save $859/yr* by comparing car insurance

*based on a survey of 1,000 car insurance customers

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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.

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.

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