Compare car insurance in North Carolina

North Carolina roads have it all, from coastal views to windy mountain roads. Wherever the road takes you across this state, you’ll need car insurance that includes at least your state’s requirements for coverage.

Compare North Carolina’s minimum coverage requirements, driving laws and more to find the best car insurance for you.

Most popular North Carolina auto insurance companies list

Average car insurance costs in North Carolina

North Carolina’s drivers can expect to pay something in the range of $1,000 annually, which is significantly below the $1,300 national average in 2017. So if you’re older than 25 and have a clean driving record, you can probably expect to pay something close to $1,000 per year — about $83 monthly.

Location isn’t everything, but exactly where you live can directly influence how much you pay for your coverage. For example, people who live in the bigger towns and cities of this state — say Charlotte or Raleigh — can probably expect to pay more for their insurance than people in Bryson City. This is because higher population comes with elevated risk for traffic accidents, thefts, vandalism and other issues that can result in insurance claims.

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.

• Charlotte
• Raleigh
• Concord
• Greensboro
• Fayetteville

Minimum car insurance requirements in North Carolina

North Carolina requires all drivers to carry minimum liability coverage for bodily injury and property damage. When you’re shopping for a car insurance policy, you might see these requirements shortened to 30/60/25. You’ll also need to purchase uninsured motorist coverage with a $30,000 limit.

• $30,000 for bodily injury liability per person, per accident
• $60,000 for bodily injury liability total per accident
• $25,000 for property damage liability per accident
• $30,000 uninsured/underinsured motorist coverage

What about motorcycle and moped insurance?

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.