North Carolina Car Insurance

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Key takeaways...
  • North Carolina has many insurance companies to choose from
  • Many drivers choose higher car insurance limits than those required by law
  • Consider more factors than just cost when deciding on an insurance company

The state of North Carolina has over 100 car insurance companies licensed to sell auto insurance throughout the state which leads to a very competitive marketplace for drivers looking for car insurance coverage.

Enter your zip code above to find car insurance quotes in North Carolina.

North Carolina Car Insurance Requirements

Car insurance in North Carolina is regulated by the North Carolina Department of Transportation (NCDOT) and mandatory auto insurance requirements were introduced in 1957.

Obviously, these limits have changed over the years but in 2010 the NCDOT requires all motor vehicles registered in the state to have liability insurance coverage with minimum coverage of at least:

  • $30,000 in coverage for injuries sustained by a single
  • $60,000 in combined coverage for injuries to all parties in an accident
  • $25,000 in property damage coverage

North Carolina’s minimum car insurance requirements are higher than most states.

Some feel these levels are reasonable for the average person, however, North Carolina does not have no-fault car insurance laws so most drivers opt for much higher limits than state minimum requirements.

The potential cost associated with an accident can be much greater than these limits. Additional car insurance coverage is very affordable, and it’s not uncommon for drivers to secure $100,000 to $300,000 in coverage for a small premium increase.

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North Carolina Car Insurance Companies

North Carolina residents can choose from a wide number of car insurance companies including Geico, Farmers, State Farm, Allstate, and Progressive for their auto insurance needs.

Like all financial purchases, you should spend time comparing potential providers on more than just cost (premiums).  Some of the most important factors to consider when comparing car insurance companies include:

  • Coverage details including policy limits and deductibles
  • Discounts available
  • Company reputation for handling claims
  • Hours of Operation
  • Industry ratings by companies like A.M. Best and J.D. Power & Associates
  • Policy premiums

While it is mandatory to have car insurance you are not obligated to use any particular company so take your time, do some research, learn about car insurance and ultimately choose a car insurance company that you feel comfortable with.

The best way to get North Carolina car insurance quotes is to start a car insurance comparison search online.

You can compare car insurance rates quickly and easily by using our free rate tool below!

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