The Tar Heel State

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North Carolina Auto Insurance

Many people find North Carolina an attractive place to live for its topographical variety and its relatively mild climate. Some enjoy calling North Carolina home because of its low cost of living, inexpensive construction costs and quality health care. And others love North Carolina because they can take advantage of the state's outdoor activities, cultural and arts scene, and world-class urban centers. But living in North Carolina is much more convenient if you have a working vehicle. As a driver in North Carolina, it's vital that carry Auto Insurance as required by state law.

Auto Insurance rates in North Carolina can vary more than you might think from one insurance company to another. That’s where Auto Insurance Specialists can help!

Try our simple form for an AIS Instant Quote®. This quote will be a range of our Auto Insurance partners' rates for the coverage you select, and you can even pick the price you like, too.

Required Auto Insurance in North Carolina

Auto Insurance is designed to protect people, and the two types of insurance drivers must purchase in North Carolina do so in different ways. First, the state requires all drivers to carry Liability Insurance, which compensates people for medical bills and vehicle damage if they are involved in an accident which you cause. Second, you must also maintain Uninsured Motorist Coverage in the event that you (or your passengers) are victimized by a driver who doesn't have Liability Insurance as prescribed by law.

State Minimum Liability Coverage in North Carolina

  • BI or Bodily Injury: $30,000 per person, $60,000 per accident
  • PD or Property Damage: $25,000 per accident

State Minimum Uninsured Motorist Coverage in North Carolina

  • BI or Bodily Injury: $30,000 per person, $60,000 per accident
  • PD or Property Damage: $25,000 per accident

To learn more about specific Auto Insurance coverage, visit our Car Insurance Coverage page.

Optional Coverage in North Carolina

It's important to realize that the minimum Car Insurance requirements in the state are established largely with affordability in mind. You shouldn't assume that just because the law makes you purchase coverage, you'll be completely protected from any type of auto-related calamity. Because that isn't the case, you should consider some of the optional coverages that are available in North Carolina, so that you can be better protected for any damages that may come your way.

Below are some of the optional coverages your can add to your Auto Insurance policy:

  • Collision Coverage*: Let's say you slide off the road due to weather conditions. Or perhaps your car gets damaged in a parking lot accident where it's impossible to assign blame. Liability Insurance won't pay to have your vehicle fixed, but Collision coverage will. After you pay your deductible, the rest of your repair costs (up to the policy limits) will be taken care of.
  • Comprehensive Coverage*: The weather can sometimes be unpredictable in North Carolina. Many residents have seen their vehicle ruined by flash flooding, crushed by a fallen tree in a storm, damaged by hail or even turned over by a hurricane. Comprehensive coverage addresses all of these possibilities by paying to have your car repaired or replaced. The same thing applies if your vehicle is stolen, vandalized or destroyed by fire.
  • Higher Bodily Injury Limits: If the limits of your Liability coverage are too low, a victim of a car crash that you cause can go after your other assets in court to help make up the difference in costs for exceptionally high medical bills. That's why it's often prudent to increase the Bodily Injury limits on your Liability policy.
  • Higher Property Damage Limits: If you cause a chain reaction accident, you can be held responsible to the damage of all the vehicles involved. That total auto repair bill can easily add up to six figures in many cases. This is why it's a good idea to think about raising your Property Damage limits on your Liability policy. That way you aren't left trying to figure out how to pay all those drivers what they are owed.

*Although Collision coverage and Comprehensive coverage are not required by law, they may be required in your car loan or lease contract with the lender.

Ultimately, only you can decide how protective your Auto Insurance coverage must be past the legal minimum requirements. If you want to protect yourself and your family from an unexpected financial catastrophe, these optional coverages can go a long way toward giving you that peace of mind. Talk to an AIS agent today and see which of these optional Auto Insurance policies are right for you.

Most Stolen Car Models in North Carolina

If you own a car that is highly targeted for theft, you may find that your Car Insurance rate is increased. According to, these are the top 10 cars that were stolen in North Carolina in 2017:

    1. Honda Accord
    2. Ford Pickup (Full Size)
    3. Toyota Camry
    4. Honda Civic
    5. Chevrolet Pickup (Full Size)
    6. Nissan Altima
    7. Toyota Corolla
    8. Chevrolet Impala
    9. Hyundai Sonata
    10. Chevrolet Malibu

North Carolina Auto Insurance Discounts

Even though you are required to have Auto Insurance to drive in North Carolina, there's no reason to pay more than you should. Thankfully, there are numerous discounts for which you may be eligible that can save you a considerable amount of money.

Examples of some North Carolina Auto Insurance discounts include:

  • Safe Driver
  • Multi-Vehicle
  • Good Student
  • Accident Free
  • Anti-Theft
  • Multi-Policy

To learn more about specific discounts, visit our Discounts page.

Driving in North Carolina can be fun, but only if you have the proper Car Insurance protection. Otherwise, you could be digging into your own pocket to pay for car repairs or medical bills that your insurance doesn't cover. That's why Auto Insurance is so important for North Carolina drivers like you, and Auto Insurance Specialists can assist you in getting the right amount of coverage at a price that's within your means. AIS has been doing this all across the U.S. for over forty years, so why not put us to work for you? Let us satisfy all of your North Carolina Auto Insurance needs!

Start a North Carolina Auto Insurance Quote Today: (888) 772-4247 Get Online Quote

About North Carolina

In North Carolina, an Auto Insurance company cannot refuse to provide you with Liability Insurance, but premiums vary per driver.

North Carolina's Safe Driver Incentive Program's system assesses points on your driving record for moving violations and details the rise in your insurance premiums based on the number of points accumulated. 

Notable North Carolina Attractions

Baltimore Estate

Morehead Planitarium and Science Center

Battleship North Carolina

Outer Banks History Center

Chimney Rock State Park