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- North Carolina Car Insurance
Get a North Carolina car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in North Carolina
North Carolina drivers could save money with these auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programNorth Carolina minimum car insurance requirements (50/100/50)
It's illegal to drive without car insurance in North Carolina. To drive legally, you need to have at least the following coverage amounts and minimums in North Carolina.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to others Coverage | $50,000 per person and $100,000 per accident |
| Property Damage Liability Coverage | $50,000 per accident |
| Uninsured/Underinsured Motorist Coverage | $50,000 per uninsured motorist (UM) and $100,000 per underinsured motorist (UIM) |
Find out more information through the North Carolina Department of Insurance.
Average car insurance cost in North Carolina, 2026
According to 2026 data, the average cost of “full” coverage car insurance in North Carolina is about $1,068 per year.
Drivers in North Carolina will often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
What liability insurance is required in North Carolina?
North Carolina law only requires you to have liability car insurance. This is the coverage that protects others if you cause bodily harm or property damage to them. It's important to know this coverage does not cover you, your car, or your personal belongings.
As shown in the table above, drivers must have a car insurance policy with the minimum coverages of:
- Bodily Injury Liability: $50,000 per person and $100,000 per accident
- Property Damage Liability: $50,000 per accident
- Uninsured/Underinsured Motorist Bodily Injury Coverage: $50,000 per person and $100,000 per accident
- Uninsured/Underinsured Motorist Property Damage Coverage: $50,000 per accident
You may see this written as 50/100/50.
Remember, this is only the minimum Liability Coverage required by law. You may want to think about increasing your limits for more financial protection. You should also consider other types of coverage that can give you even more protection.
What's considered "full coverage" car insurance in North Carolina?
"Full coverage" car insurance can mean different things to different people. Legally, in the state of North Carolina you're only required to have the state minimum coverage.
However, “full car insurance” or "full coverage" is often thought of as having the state minimums and
- Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
- Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car
For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.
Who offers cheap insurance in North Carolina?
Finding the cheapest car insurance in North Carolina may sound great, but a low-cost policy may not pay out when you need it.
You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate
Resources for North Carolina Drivers
North Carolina car insurance FAQs
- In North Carolina, auto insurance generally follows the vehicle rather than the driver. If someone borrows your car with permission and gets into an accident, your policy is typically considered the primary coverage. However, coverage can vary depending on the policy and circumstances.
- Liberty Mutual simplifies purchasing car insurance in North Carolina. We offer a user-friendly online experience, free online quotes in less than ten minutes, and customized coverage designed to fit your needs and budget. We also provide proof of insurance to keep in your vehicle because North Carolina law requires it. To get started, simply enter your ZIP Code.
- Yes. Every driver in North Carolina is required to carry continuous liability insurance from a state-licensed insurance provider.
The current minimum coverages, as of July 1, 2025, are $50,000 for bodily injury, $100,000 per accident, and $50,000 for property damage. Drivers are also required to carry Uninsured/Underinsured Motorist coverage at the same limits.
There's a civil penalty starting at $50 for driving without insurance, coupled with a license plate revocation fee and a $50 vehicle registration restoration fee.
The cost of auto insurance in North Carolina can vary based on factors such as your age, driving history, location, vehicle, and selected coverage levels. North Carolina also has state-specific insurance requirements and rate regulations that can influence premiums.
When comparing policies, it's important to consider both cost and the types of coverage included. Liberty Mutual offers a range of customizable coverage options and discounts, including savings for multi-car policies, paperless billing, and participation in RightTrack®, which may help eligible drivers lower their premium.