North Carolina Car Insurance
Whether you’re driving the family out to the Outer Banks for summer vacation or commuting into Charlotte for work, a Farmers® Smart Plan Auto policy offers coverage options designed for how you drive today. Discounts can help you save even more.
What is the average cost of car insurance in North Carolina?
North Carolina drivers paid an average of $881 a year for full coverage (liability, collision and comprehensive) in 2020, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history and the car you drive.
What auto insurance is required in North Carolina?
A car insurance policy with a minimum amount of liability coverage is required in North Carolina. However, minimum coverage may not be the full extent of coverage you want. As of March 2024, 30/60/25 liability coverage limits are the minimum required in North Carolina.
COVERAGE TYPE
NORTH CAROLINA MINIMUM REQUIREMENTS
Bodily injury liability
$30,000 per person; $60,000 per accident
Property damage liability
$25,000 per accident
Uninsured motorist bodily injury liability
$30,000 per person; $60,000 per accident
Uninsured motorist property damage
$25,000 per accident
COVERAGE TYPE
Bodily injury liability
NORTH CAROLINA MINIMUM REQUIREMENTS
$30,000 per person; $60,000 per accident
COVERAGE TYPE
Property damage liability
NORTH CAROLINA MINIMUM REQUIREMENTS
$25,000 per accident
COVERAGE TYPE
Uninsured motorist bodily injury liability
NORTH CAROLINA MINIMUM REQUIREMENTS
$30,000 per person; $60,000 per accident
COVERAGE TYPE
Uninsured motorist property damage
NORTH CAROLINA MINIMUM REQUIREMENTS
$25,000 per accident
What does car insurance typically cover in North Carolina?
A typical car insurance policy in North Carolina includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft. Read more about Smart Plan Auto coverage options in North Carolina.
North Carolina car insurance discounts
Farmers offers a variety of discounts for drivers in North Carolina. For example:
- Multi-vehicle
- Multi-policy
- Youthful driver
See more information about additional discounts that may be available in North Carolina.
Blue Ridge Parkway
More coverage options in North Carolina
Learn From Experience
Do you have more questions about renters insurance? We have answers.
To understand rate increases, it’s important to know that premium calculations are based on your risk and the projected cost it would take to repair or replace your car. Anything that impacts these factors can explain why rates may increase.
Why do some cars stay safe and reliable for years longer than others? These car pros say it’s more about the owner’s habits than good engineering.
If you have uninsured motorist coverage, your accident-related expenses can be covered. And if the other driver does have insurance, but it’s not sufficient to cover your costs (given today’s high medical bills), underinsured motorist coverage can help fill the gap.
