Car Insurance in North Carolina: How to Find the Policy That Fits You

MoneyGeek provides analysis and solutions for all your car insurance needs in North Carolina. Which of the following profiles fits your situation?

Find the Best or Cheapest Car Insurance in North Carolina

To find the cheapest companies for car insurance in North Carolina, MoneyGeek compiled and analyzed quotes from various insurers. We also used our own unique scoring system to determine which insurers have the best balance of cost and customer service.

If you’re looking for overall costs, MoneyGeek calculated how much you should expect to pay for car insurance depending on various factors, such as age, driving record and more.

MoneyGeek evaluated the cheapest and best car insurance in North Carolina for certain types of drivers. You’ll find a brief overview in the table below. Keep in mind that unless stated otherwise, all recommendations listed here are for a full coverage policy.

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  • Minimum liability: Nationwide
  • Full coverage: Nationwide
  • Drivers with a DUI: Nationwide
  • After an accident: State Farm
  • Drivers with a ticket: Nationwide
  • Drivers with bad credit: GEICO
  • Senior drivers: Nationwide
  • Student drivers: State Farm
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  • Overall: Erie
  • Customer Service: Erie
  • On a Budget: Nationwide
  • Poor Driving Record: Erie
  • Military: USAA
  • Young Drivers: State Farm
  • New Cars: Erie
  • Low-Mileage Drivers: Allstate

Get a North Carolina Car Insurance Quote

In North Carolina, car insurance quotes can vary by as much as $484 per year for the same driver across different providers. This is why it’s important to shop around and compare quotes for potential savings. Luckily, the process of getting quote estimates does not always have to be time-consuming.


Car Insurance Laws in North Carolina

MoneyGeek provides the resources you need on North Carolina car insurance laws and requirements. According to state law, drivers are required to carry a policy with at least the following liability and uninsured motorist insurance coverages:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $30,000 uninsured/underinsured motorist bodily injury coverage per person
  • $60,000 uninsured/underinsured motorist bodily injury coverage per accident
  • $25,000 uninsured/underinsured motorist property damage coverage per accident

It’s important to know how much car insurance you should actually get. This is because North Carolina only mandates low liability limits and doesn’t require comprehensive and collision insurance.

Specialty Car Insurance in North Carolina

Traditional car insurance isn’t always the ideal choice to meet your needs. To help you find the right policy, MoneyGeek explored alternative forms of car insurance in North Carolina. These include non-owner, temporary and low-income car insurance. Learn more about these unique insurance types below.

MoneyGeek Specialty Car Insurance Resources


Non-owner car insurance

Those who don’t own a car but need proof of insurance may find non-owner car insurance in North Carolina a good option.


Temporary car insurance

Those who only need a car for a few months may get temporary car insurance in North Carolina by buying and canceling a policy early. You can also use rental car insurance.


Car insurance for low-income drivers

North Carolina doesn’t have any car insurance assistance programs. Still, you can save money by knowing what options you have for North Carolina low-income car insurance.

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.