Car insurance in North Carolina comes with specific requirements and rate factors that every driver should understand. This guide covers minimum coverage, average costs, the cheapest insurers, and how to save.
North Carolina Minimum Car Insurance Requirements
North Carolina requires all drivers to carry 30/60/25 liability coverage:
| Coverage Type | Minimum Limit | What It Covers |
|---|---|---|
| Bodily Injury Liability | \,000 per person / \,000 per accident | Medical expenses for others you injure |
| Property Damage Liability | \,000 per accident | Damage you cause to others' property |
Is North Carolina a No-Fault State?
No. North Carolina is an at-fault (tort) state.
Average Car Insurance Costs in North Carolina
| Coverage Type | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Liability Only | \–\ | Approx. \–\/month |
| Full Coverage | \,200–\,500 | Approx. \–\/month |
North Carolina's average full coverage rate is about 10–15% below the national average (,674).
Cheapest Car Insurance Companies in North Carolina
- State Farm
- GEICO
- Nationwide (headquartered in NC)
- Progressive
North Carolina Insurance Laws You Should Know
North Carolina requires drivers to carry proof of insurance. The state uses an insurance filing system — your insurer must file proof with the DMV. SR-22 is required after DUI convictions for 3 years.
Discounts Available to North Carolina Drivers
- Multi-policy
- good driver
- good student
- anti-theft
- low mileage
- defensive driving course
Frequently Asked Questions
What are the minimum car insurance requirements in North Carolina?
30/60/25 minimum liability coverage: \,000 bodily injury per person, \,000 per accident, and \,000 property damage.
Is North Carolina a no-fault state?
No. North Carolina is an at-fault state.
How much is car insurance in North Carolina?
Average full coverage in North Carolina is \,200–\,500 per year, about 10–15% below the national average.