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North-Carolina

North Carolina Car Insurance Rates


While North Carolina state car insurance rates compare favorably with the rest of the country's, location still makes a difference. We've got rates for every ZIP mapped out below. And in every city and town, one insurance carrier will be cheaper than the competition, sometimes by hundreds of dollars.

North Carolina car insurance requirements

North Carolina state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $30,000/$60,000
Minimum property damage liability $25,000
Uninsured/underinsured motorist bodily injury $30,000/$60,000
Uninsured motorist property damage $25,000 ($100 deductible)

North Carolina Car Insurance Rates by ZIP Code & City

To learn more about the most and least expensive cities for car insurance, click the link below.
Top Cities
Car insurance rate comparison >
Priciest Neighborhoods
In North Carolina
  • 28308: $1,165
    FAYETTEVILLE
  • 28301: $1,165
    EASTOVER
  • 28312: $1,165
    FAYETTEVILLE
  • 28323: $1,165
    CARVERS CREEK
 
Cheapest Neighborhoods
In North Carolina
  • 28801: $808
    ASHEVILLE
  • 28732: $808
    ASHEVILLE
  • 28778: $808
    SWANNANOA
  • 28715: $808
    ASHEVILLE


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What you need to know about car insurance in North Carolina

Penny Gusner
CarInsurance.com
Consumer Analyst

The Tar Heel State mandates that drivers carry minimum liability coverage limits of 30/60/25 on their vehicles. It's pretty decent coverage and usually can be found at a decent price. North Carolina car insurance premiums are some of the lowest in the nation.

Uninsured motorist bodily injury is required, as is uninsured motorist property damage. Underinsured motorist is required to be offered but can be declined if you carry only minimum liability limits. If you increase your liability limits from the state minimums, then North Carolina auto insurance companies must provide you with combined uninsured/underinsured motorist bodily injury coverage.

North Carolina has a contributory negligence provision in its torts law; a driver cannot recover damages if found at fault in an accident by even a small percentage. More than in most states, North Carolina residents should carefully consider how easily they might afford to replace a car before dropping collision coverage, which would pay for repairs no matter who is at fault.

Safe driver incentive plan (SDIP): North Carolina has a set list of SDIP points that auto insurance companies must assign drivers who are convicted of moving traffic violations or at-fault accidents. The more insurance points you have, the more you'll pay in surcharges. The points range from one to 12, with one point equaling a surcharge of 30 percent and a driver with 12 points receiving a 340% increase in rates. Read more about the North Carolina SDIP points table on the state's Department of Insurance site.

How long to settle a claim?: Car insurance companies in North Carolina have 30 days after receiving a claim to acknowledge it by either: making payment on the claim, making a settlement offer, denying the claim, or informing the claimant that there is an ongoing investigation of the claim. Loss and claim payments by auto insurers are to be mailed within 10 business days after the claim is settled.