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North Carolina Car Insurance

North Carolina’s rugged terrain and the stop-and-go driving of big cities like Raleigh and Charlotte, make having adequate car insurance absolutely crucial for every resident of the Tar Heel State. The state of North Carolina wants its residents to be well protected, and that is why they have set state minimum insurance requirements for all motorists. wants North Carolina drivers to be able to meet these requirements at the lowest possible price. Using allows consumers to view multiple quotes from top rated insurance companies to them find low priced auto insurance from highly reputable companies.

North Carolina Minimum Car Insurance Requirements

Like most states in the country, North Carolina has set minimum insurance requirements to help ensure that its motorists are well protected in the unfortunate event they are involved in an automobile accident. The minimum insurance requirements for the state of North Carolina are listed as 30/60/25. These numbers represent the minimum insurance requirements in thousands of dollars and each number represents a different type of liability coverage for your vehicle:

  • Bodily Injury Liability- The first number represents the maximum amount an insurance company will pay before the responsible driver must cover the medical bills for the other driver and their passengers. The minimum coverage you are required to have in the state of North Carolina is $30,000 for a single person and $60,000 to cover the medical expenses of all passengers in the other vehicle.
  • Property Damage Liability- The third number is the minimum state requirement for Property damage liability. Property damage liability covers damage caused to other automobiles, road signs or buildings. In North Carolina drivers are required to have minimum property damage liability protection of $25,000.

While these are the minimum state requirements, they may not be sufficient to cover damages as the cost of repairs medical treatment raises every year. In the case of an accident the party responsible for the accident will be held responsible for any monetary damages above the amounts set in their insurance policy. Therefore, the state of North Carolinas strongly recommends that all motorists obtain liability coverage greater than the required minimums as well as Comprehensive and Collision insurance to cover damages to their vehicle when they are found to be at-fault or the other driver’s insurance coverage is insufficient.

Because its neighbor to the north, Virginia, does not require their motorists to obtain liability coverage for their vehicles, North Carolina also recommends that residents purchase Uninsured Motorist protection for their vehicles as well. Even though these types of coverage are not a requirement, the state of North Carolina highly recommends that its motorists carry uninsured/underinsured coverage. This type of coverage will compensate motorists in the case of a hit and run or if the at-fault party fails to carry sufficient insurance coverage to cover your medical and/or repair expenses.

North Carolina residents saw the largest drop in the country for the average insurance premium costs between 2006 and 2007; down 16.2% from $2261 to$1945. Though this is still above the national average of $1896, it is good news for North Carolinians. This drop in insurance premiums is not a guarantee, however, as insurance premiums depend on a number of factors including the vehicle you own, your driving record and your credit. has partnered with highly reputable automotive insurance companies so our customers can feel comfortable that they are getting low cost car insurance from a company that will be there when they need them. Getting insurance quotes is fast and easy at After entering your Zip code and answering a few general questions about your driving history you will be given multiple North Carolina car insurance quotes which will allow you to find the right price from the right company. And the entire process takes less than five minutes.

Car Insurance by State

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