The beautiful state of North Carolina is home to many wonderful things, from the birth site of the Krispy Kreme donut to incredible golf courses. It’s also one of the top ten most populous states in the U.S., which means a ton of drivers that need great car insurance.
If you’re looking to switch policies, save money, or get your first car, it’s time to dive into all things North Carolina car insurance. Keep reading for all the information you need to find the best policy for you, so that when you hit the road with your “First in Flight” license plate, you do so with full confidence.
Let’s get started.
Free Car Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
No Signup required
Each state has their own requirements for the minimum car insurance a driver must have before they get behind the wheel. In North Carolina, those minimums are:
This is where most state minimums end, but North Carolina also requires uninsured/underinsured motorist coverage in the following amounts:
This might be why North Carolina ranks 41st on states with uninsured drivers, with just 7.4% of drivers not having car insurance.
Keep in mind that while it might be pesky to follow minimum requirements, these rules are designed to protect you and other drivers from having to pay out-of-pocket for expensive accidents. It’s in everyone’s best interests to meet the minimum requirements, but most drivers would do well to get even more coverage. We’ll explore those options next.
Free Car Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
No Signup required
The great thing about car insurance is that you can pick and choose your coverage depending on your priorities. First, we’ll explore the main buckets of coverage that you’ll encounter, and then we’ll show you optional coverage that can help you personalize your policy to you.
Here are the main coverage options when it comes to car insurance in North Carolina:
But that’s not all. You can pick and choose from the above, as long as you’re meeting state minimum requirements, and then add even more coverage to your main policy. This helps customize your policy to your budget, vehicle needs, and priorities.
Some added coverage options include:
These are just some of the options available to you. Many insurers offer varying versions of these, and some might offer fewer or more options. Deciding what’s important to you will be an important part of building the right car insurance policy for you and your ride.
No one likes paying for car insurance, so this is a fair question. Knowing the average insurance costs in the state will help you understand what your monthly or annual car insurance costs will be.
The good news is that North Carolinians win just by virtue of living in NC. The average cost of car insurance in North Carolina is lower than the national average; North Carolinians can expect to pay $1,446 on average per year for a full coverage policy, while the U.S. average is $2,014 for full coverage.
If you opt for minimum coverage, you’ll still save, paying just $432 per year compared to the national average of $622.
Of course, what you will pay depends on a number of factors, including:
Living in a busy city will increase your rates, whereas a lower population county will decrease your rates. You’ll also save if you live outside of areas prone to severe weather, which North Carolinians are well versed in.
But don’t worry: if your initial quotes are too high, we’ve got ways for you to save on car insurance costs next. And in the meantime, you can get a sense of what you can expect to pay just by clicking here.
Free Car Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
No Signup required
Who doesn’t love to save money? We’ve rounded up the best ways to save on car insurance costs, so you have more money in your pocket to do the things you love, like hitting the green for a round or exploring the Great Smoky Mountains National Park.
Here’s how to save on car insurance in NC:
By using these tips, you could save hundreds of dollars a year on car insurance. When it comes to saving money on insurance, the ball is completely in your court.
There’s no shortage of options for finding car insurance, but you’re better off with some rather than others. Here are some of the top insurance providers in North Carolina that might be a good fit for your car insurance needs:
But as always, make sure to compare quotes and coverage before making your decision. Some providers also offer perks like mobile apps or more discounts, so be sure to factor in what’s most important to you.
Ready to bite the bullet and find car insurance? It’s easier than you might think. Start by contacting your insurance agent and talking through your options, or click here for access to free quotes fast. You’ll be behind the wheel before you know it!
Remember: if a quote seems too good to be true, it probably is. Choose a reputable provider with a good history of claims payment and great coverage options. It’s all fun and games until an accident happens and you’re stuck footing the bill.
Insurance is there to help you, and so is ConsumerCoverage. We’ve got you covered.
Free Car Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
No Signup required
Margaret Huntley Margaret Huntley is a creative writing and philosophy student at Western University. She has been working as a freelance writer for over two years and has written about everything from insurance, to poker, to health and wellness for international businesses.
