North Carolina Car Insurance FAQ - Quick Answers

North Carolina drivers pay an average of $986 per year for car insurance. This is lower than the national average of $1,311 annually. When you're looking for the best price for your coverage, consult with a licensed professional for free.

In North Carolina, you must carry the following auto limits or more in order to comply with local law:

  • $30,000 in bodily injury liability per person
  • $60,000 in bodily injury liability per accident
  • $25,000 in property damage liability
  • Uninsured motorist liability 

Every driver will have different coverage, but some limits under your car insurance policy will be pretty standard. Check out the commonly added auto coverages below:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive: Pays for a collision with an unavoidable object such as an animal.
  • Collision: Pays for a collision with another vehicle, animal, or property.

Despite laws stating that everyone must carry the state minimum limits, there are still some that don't follow the rules when it comes to car insurance. In North Carolina, 6.5% of the driving population is currently uninsured. This puts you and loved ones at risk every time you get on the road. 

You can obtain car insurance from many different carriers, making it difficult to know who's best. In North Carolina, Safeco, Travelers, and Nationwide insurance companies come recommended. This is because of their competitive rates and coverage options. 

No. North Carolina is an "at-fault" state. This means the person who is at fault for the car accident is the one responsible for any damage or injuries.

In North Carolina, insurance follows the car. This means that if you lend your vehicle to someone, they are also borrowing your auto insurance. 

Do You Know What Your Car Insurance Covers in North Carolina?

Find the Best Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.29 Year

National average car insurance cost $1311 Year

CityCommute time (min)Auto theft rate per 1,000Annual insurance cost
Asheville17.95.75$738
Greenville18.31.21$877
Fayetteville19.31.84$1,645
Wilmington18.62.07$1,298
Greensboro21.23.31$1,267
Winston-Salem20.92.96$1,150
Raleigh241.57$1,118
Durham22.92.7$1,416
Cary23.30.45$1,102
Chapel Hill19.80.59$1,054
High Point20.83.53$1,279
Burlington21.12.61$736
Rocky Mount21.52.03$1,067
Hickory19.63.61$1,260