North Carolina Auto Insurance

Auto insurance in North Carolina

North Carolina drivers pay an average of $1175 a year for full-coverage auto insurance. North Carolina has unique auto insurance regulations — it’s one of the few states where rates are heavily regulated and where the state insurance commissioner has significant authority over filings. Rates run below the national average.

For drivers looking for the cheapest auto insurance in North Carolina, the savings spread between carriers can exceed several hundred dollars a year for the same coverage. Comparing quotes from multiple carriers is the single biggest lever you have to lower your premium.

North Carolina minimum coverage requirements

North Carolina requires drivers to carry at minimum 30/60/25 liability in liability coverage. Most drivers should carry significantly more than the minimum — serious accidents routinely exceed those limits and leave drivers personally liable for the excess.

If you’re financing or leasing a vehicle, your lender will also require comprehensive and collision coverage.

Best carriers in North Carolina

NC Farm Bureau is a strong local option. State Farm, GEICO, and Allstate all have significant North Carolina presence. The state’s rate regulation environment means carrier spreads are narrower than in most states, but shopping still matters.

Get quotes from at least three carriers — the cheapest carrier for one North Carolina driver isn’t necessarily the cheapest for the next, since rates vary by ZIP code, driving record, credit, and vehicle.