North Carolina Car Insurance - Auto Insurance Quote in NC
As in most states throughout the country, North Carolina requires motorists to have insurance. CarInsurance.com is the easiest way to secure coverage in North Carolina, home to two of the nation's most charming cities, Savannah and Charlotte.
| Current average car insurance premium in North Carolina | $1,172.38 |
| Current average car insurance premium U.S. | $1,602.16 |
| Charlotte | $1,418.90 |
| Raleigh | $1,267.20 |
| Check out our car insurance rates in more North Carolina cities | |
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If you want to see how insurance rates have trended recently in North Carolina, look no further than CarInsurance.com's Average Premium Trend Tool, which shows rates on a monthly basis. A bit of good news: North Carolina residents pay a bit less than most of the United States for insurance.
Charlotte is the state's largest metropolis, with a population of 540,828, according to the most recent Census records.
CarInsurance.com provides details on North Carolina's required coverage and also useful information on what other residents are paying in the state. There are also more than a dozen of the most respected insurance companies ready to provide policy quotes.
North Carolina state law requires minimum Bodily Injury Liability limits of $30,000 per injured person up to a total of $60,000 per accident, and Property Damage Liability coverage with a minimum limit of $25,000. This basic coverage is often referred to as 30/60/25 coverage with 30/60 UM limits.
Minimum Required Insurance Coverage in North Carolina*
Bodily Injury Liability: $30,000/$60,000 Limit
Property Damage Liability: $25,000 Limit
Uninsured Motorist Bodily Injury: $30,000/$60,000 Limit
Uninsured Motorist Property Damage: $25,000 Limit
*New limit requirement effective: January 1, 2009
The state of North Carolina follows a Tort system, meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.
To help protect against damages caused to you and your passengers by an uninsured driver, North Carolina state law requires a minimum Uninsured/Underinsured Motorist coverage of $30,000 per person up to a total of $60,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.
Take a look at the Minimum State Required package offered at CarInsurance.com. Or consider more expansive packages reflecting your insurance needs. Agents licensed in North Carolina can assist you in the process.
Why should you shop around to get your car insurance? Several factors -- including claims history, vehicle age, vehicle price and your gender -- can affect the cost of coverage. Use CarInsurance.com to guarantee you get the best policy at the most economical price.
Car thieves are a bigger factor in your car insurance rates than you might think. Here are North Carolina’s most-stolen rides:
