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Compare car insurance in North Carolina

Get the cheapest car insurance in North Carolina for 2021

North Carolina drivers pay an average of $870.87 per year for car insurance according to the National Association of Insurance Commissioners (NAIC), that’s about $72.57 per month. North Carolina drivers pay about 27% less than the countrywide national average of $1,189.64.

The NAIC takes into account all car insurance policies within the state such as drivers who select only state minimum coverage, as well as policies that include various levels of comprehensive and collision coverage. Because car insurance rates are influenced by personal factors, you could find yourself paying significantly less.

North Carolina car insurance quick facts

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Minimum liability requirements


Average annual car insurance cost according to the NAIC


At-fault state

In at fault states, the driver who caused the accident pays for damages.

North Carolina state minimum car insurance requirements

Drivers in North Carolina are required to carry a minimum amount of liability coverage to legally drive. You may see it written as 30/60/25, but we’ll break down what that means.

    Bodily Injury Liability

    North Carolina bodily injury liability

    • $30,000 bodily injury liability per person
    • $60,000 bodily injury per accident

    North Carolina requires $30,000 in bodily injury liability per person and $60,000 of bodily injury per accident. That’s a tad higher than most states’ minimum requirement for this coverage of 25/50.

    This means $30,000 is the most your insurer will pay for a single person injured by you in an at-fault accident. And $60,000 is the maximum amount your insurer will pay if there is more than one person injured by you in an at-fault accident. Any costs outside of your bodily injury limit are required to come out of your pocket.

    Property damage liability

    North Carolina property damage liability

    • $25,000 property damage liability

    North Carolina requires drivers to carry $25,000 of property damage liability to legally drive. This is the highest required property damage limit across the US, but it’s common among states.

    This means $25,000 is the maximum amount your car insurance company will pay towards damages you cause to another person’s car or property, such as repairs to a car, fence or building. You’ll have to pay out of pocket for any costs beyond your property damage liability limit.

    Uninsured or underinsured motorist

    North Carolina uninsured or underinsured motorist

    • $30,000 uninsured and underinsured motorist bodily injury per person
    • $60,000 uninsured and underinsured motorist bodily injury per accident
    • $25,000 uninsured and underinsured motorist property damage

    North Carolina requires all drivers to carry $30,000 of uninsured motorist bodily injury per person, $60,000 uninsured motorist bodily injury per accident and $25,000 in uninsured motorist property damage to legally drive. Near half of the states across the US require some sort of uninsured motorist coverage, though some other states let you opt-out.

    This coverage protects you if you get hit by an uninsured or underinsured driver. It pays for your car’s damage or medical bills to you and your passengers.

    Finder tip: North Carolina state minimum coverage isn’t enough

    These state-mandated requirements are the lowest amount of coverage you need to legally drive in North Carolina, but may fall short if you’re in a major accident. To avoid high out-of-pocket costs after an accident, consider raising your liability limits by balancing coverage, your budget and what you can afford to pay out of pocket for certain damage.

    7 factors that affect car insurance rates in North Carolina

    Factors are characteristics specific to you that car insurance companies use to set how much you’ll pay for car insurance. The less risky each of your factors is the less you pay, the riskier you are the more you’ll pay. We’ll break down North Carolinian’s rating factors to keep in mind.

    FactorHow it affects your rates


    How old you are is a top factor in determining your car insurance rates. With each passing year, you earn more experience on the road. More experience can equal cheaper rates. Teen drivers pay the most, but rates begin to level off around your 20’s with drivers over 50 paying the least.


    North Carolina is one of seven states that bans the use of gender in calculating car insurance premiums. Insurers rely on factors such as age, location, driving record and what type of car you drive.


    Where you live affects your rates, including where you park your car. High theft rates, high traffic and a high number of uninsured drivers could mean higher rates.

    North Carolina vehicle theft rates stand at 193.6 vehicle thefts per 100,000 inhabitants, according to the FBI’s most recent report on vehicle theft rates. That’s well below the national average of 246 vehicle thefts per 100,000 inhabitants.

    As for uninsured drivers, 7.4% of Pennsylvanians on the road are uninsured. That’s on the lower end for vehicle theft according to Insurance Information Institute, with the national average standing at 12.6%.

    Driving Record

    Driving Record

    The better your driving record, the lower your premium. If you’re in an at-fault accident you could see rates increases from 20% to 50%. And DUI’s in North Carolina can increase your rate by around 112%, that’s one of the highest increases we’ve seen across the US. These types of violations typically stay on your record for about three years.
    Vehicle and mileage

    Vehicle and mileage

    Your car’s make, model and trim directly affect how much you’ll pay for car insurance. Things like its cost, safety ratings, the likelihood of theft and sportiness all help insurers determine its cost to insure.

    Safer and cheaper vehicles score the lowest rates, with luxury vehicles with higher repair costs resulting in higher premiums.

    And, the more you’re on the road, the more at-risk you are to get in an accident, which means higher premiums. However, according to the Bureau of Transportation, Pennsylvanians drive an average of 36.4 miles per day, that’s slightly above the average across the US of 36.1 miles per day.

    Credit score

    Credit score

    Your credit score is included in your credit-based insurance score which insurers use to help calculate rates. According to the Insurance Information Institute, there is a strong correlation between your insurance score and claims filings. A good credit-based insurance score could mean lower rates.

    North Carolinians have protections under state laws that regulate the use of your credit history when issuing car insurance policies.

    Credit score can be used to set your initial rates and to lower your rates at renewal. However, they can’t be used as a sole reason to terminate your policy or increase your rates higher than rates approved by the North Carolina Department of Insurance.



    The more coverage you get and the higher limits you choose, the more protection you’ll have and the more you’ll pay in monthly premiums. And, if you opt for full coverage car insurance that includes comprehensive and collision, the amount of your deductible weighs into your costs too, higher deductibles mean lower monthly premiums.

    Most popular North Carolina auto insurance companies list

    CompanyDirect premiums written (billions)Market share
    State Farm$946,30114.9%
    National General$645,50310.1%
    North Carolina Farm Bureau$612,3059.6%
    Liberty Mutual$179,3602.8%

    Car insurance guides by city

    Compare rates, requirements and driving tips with car insurance guides for your city.

    Which city has the cheapest car insurance in North Carolina?

    Of North Carolina’s largest cities, Greensboro has the cheapest rates and Fayetteville has the most expensive car insurance rates. Fayetteville drivers could face rates 3 times more than Greensboro drivers.

    Car insurance quotes in Charlotte

    CompanyAnnual car insurance rate
    National general$1024

    Car insurance quotes in Raleigh

    CompanyAnnual car insurance rate
    National general$1167

    Car insurance quotes in Concord

    CompanyAnnual car insurance rate
    National general$1153

    Car insurance quotes in Greensboro

    CompanyAnnual car insurance rate
    National general$977

    Car insurance quotes in Fayetteville

    CompanyAnnual car insurance rate
    National general$1497

    Compare car insurance providers in North Carolina

    Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
    All 50 states
    Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
    All 50 states & DC
    Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
    All 50 states
    Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
    The AARP Auto Insurance Program from the Hartford
    All 50 states
    Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
    All 50 states & DC
    Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
    Liberty Mutual
    All 50 states & DC
    Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.

    Compare up to 4 providers

    Temporary car insurance in North Carolina

    You can buy temporary auto insurance in this state. However, you might run into issues finding temporary coverage from standard providers. So if you need this kind of coverage, you should be open to alternative options like going with a lesser-known provider or having some unconventional policy terms.

    SR-22 insurance in North Carolina

    You are not required to file an SR-22 form if you’re a DWI offender in North Carolina. If you move to North Carolina with an SR-22 from another state, you’ll probably need to maintain your SR-22 requirements.

    Bottom line

    With annual insurance costs typically falling below the national average and laws that make it very difficult and risky to drive without liability coverage, North Carolina is a place where you’ll most likely want to have a conventional car insurance policy.

    To learn more about this topic, from rules and regulations to discounts on premiums, visit our comprehensive guide to car insurance.

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