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Minimum State Insurance Requirements » North Carolina

30 / 60 / 25

Personal injury insurance for the driver: $30,000

(maximum benefit paid per claim after the policyholder pays the deductible)

Personal injury coverage for all people involved in an accident: $60,000

Property damage coverage per claim: $25,000



North Carolina Car Insurance Information

North Carolina has everything from beautiful beaches to spectacular mountains. To save on car insurance, you need the best North Carolina car insurance information you can find.

North Carolina Car Insurance Information

North Carolina is the tenth most populous state in the country, but the eighth fastest going according to the most recent government data. It ranges from the Atlantic beaches of the Outer Banks in the east to the mountains in the east. The Outer Banks are most famous for being the site of the Wright Brothers first controlled flight in 1903. North Carolina borders Virginia to the north, Tennessee to the west and South Carolina to the south.

North Carolina is crisscrossed by several interstates and home to some large urban and rural populations. All drivers are required to carry a minimum level of automobile coverage, although it is a tort state, so drivers can be sued for accident damage beyond the limits of their insurance if they’re found at fault.

Car Insurance Minimum Requirements

North Carolina drivers are required to carry a minimum of 30/60/25 auto liability coverage. This means drivers need to have $30,000 worth of injury liability coverage per person, $60,000 of injury coverage per accident and $25,000 worth of property damage liability coverage. However, North Carolina Drivers are open to lawsuits above and beyond these limits, so it’s smart to carry plenty of coverage in case you’re ever found at fault in an accident.

These rates are on the high side when compared to other states across the country. However, they’re a long way from being the highest in the country, so North Carolina drivers get a lot of coverage for their money.

Car Insurance Companies

All states have a range of companies and North Carolina is no different. Websites list as many as 101 different agencies statewide, as well as all the large, nationwide carriers. Since rates vary widely in pockets within the state, it’s worth finding an insurance agency with some local knowledge. You can sort through these agencies by using a free online quote from an independent website, like this one.

Free Car Insurance Quotes

Instead of going through each agency individually, use this link to get a quote for your car insurance. You’ll get the best North Carolina car insurance information and be able to search a range of agencies and companies using only one independent search. You’ll get a list of quotes with local insurers and agencies, and find out who has the best rates for your driving record, vehicle, age and neighborhood.

Car Insurance Rates

While North Carolina’s car insurance rates aren’t the highest in the country, they are in the top 25%. The average driver in North Carolina pays about $1,527 for car insurance. That boils down to about $127 dollars per month, per vehicle. If you’re paying more than that, you may benefit from a free online quote. Despite being the 13th most expensive state, drivers pay $12,00 less than drivers in North Dakota, who pay a whopping $2,771 per year for their insurance.