North Carolina Car Insurance Calculator
Calculate your auto insurance cost in North Carolina. Compare with state averages and find savings.
$1,234
Avg Annual Premium
30/60/25
Min Liability
Monthly Avg
$103
Full Coverage
$1,623
Min Coverage
$434
Uninsured Rate
8.6%
North Carolina Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$30,000
Bodily Injury (per accident)$60,000
Property Damage$25,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristRequired
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in North Carolina
Regulated marketRate bureau systemModerate climate
Major Metro Areas in North Carolina
CharlotteRaleighGreensboroDurhamWinston-Salem
FAQ
North Carolina Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in North Carolina
The average annual car insurance premium in North Carolina is $1,234, or about $103 per month. Full coverage averages $1,623 annually, while minimum coverage averages $434. Your actual rate depends on your age, driving record, vehicle, and coverage level.
North Carolina requires minimum liability coverage of 30/60/25 ($30,000/$60,000 for bodily injury and $25,000 for property damage). Uninsured motorist coverage is also required.
Key factors affecting North Carolina car insurance rates include: Regulated market, Rate bureau system, Moderate climate. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 8.6% of drivers in North Carolina are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your North Carolina car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in North Carolina include: State Farm, GEICO, Progressive, Nationwide, NC Farm Bureau. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
NC Insurance Costs
Average premiums in North Carolina:
- Annual Average$1,234
- Monthly Average$103
- Full Coverage$1,623
- Minimum Coverage$434
NC Requirements
Minimum coverage required:
- Liability30/60/25
- PIP RequiredNo
- UM RequiredYes
- Uninsured Rate8.6%
Top NC Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Progressive
- •Nationwide
- •NC Farm Bureau