North Carolina Car Insurance
The average North Carolina driver pays $1,490/year for full coverage and $480/year for state minimum. Compare quotes from top carriers and find the right fit in five minutes.
Compare North Carolina quotes →At a glance
- Avg. full coverage
- $1,490 / year
- Avg. minimum coverage
- $480 / year
- State minimum
- 30/60/25
- No-fault state?
- No
- PIP required?
- No
- UM/UIM required?
- Yes
North Carolina Minimum Coverage Requirements
The minimum auto insurance coverage required to legally drive in North Carolina is:
30/60/25
$30K bodily injury per person, $60K per accident, $25K property damage
These minimums are not the same as what most drivers should carry. State minimums protect you from a small fender bender — they fall far short of what you'd need after a serious accident with injuries. Most financial advisors recommend at least 100/300/100 in liability limits for households with meaningful assets.
Top Car Insurance Carriers in North Carolina
By market share, these carriers write the most policies in North Carolina:
- 1State Farm
- 2GEICO
- 3Allstate
- 4Nationwide
- 5NC Farm Bureau
Market share doesn't mean cheapest — the carrier with the most customers in your state may not be the one that quotes you the best rate.
What's different about North Carolina
NC sets premiums through a unique "rate bureau" system. Premium increases are more controlled than most states.
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Premium estimates are based on publicly reported industry averages and are intended as a rough guide. Your actual quote depends on driver record, vehicle, coverage choices, and ZIP code. Quorrio is an independent comparison marketplace, not an insurance company, agent, or broker.