North Carolina Car Insurance

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Charlotte North Carolina skyline on a sunny day

Common questions about North Carolina auto insurance

Need car insurance in North Carolina? Whether you live in the Outer Banks or Charlotte, Liberty Mutual has you covered. From liability protection to comprehensive coverage, we customize your North Carolina auto insurance, so you only pay for what you need.

What car insurance is required in North Carolina?

In North Carolina, it's illegal to drive without insurance. Drivers in North Carolina are required to have the following car insurance coverage: bodily injury to others, property damage liability, and uninsured/underinsured motorist coverage.

This chart shows the minimum auto insurance drivers are required to have in North Carolina.1



Bodily Injury to Others$30,000 per person and $60,000 per accident
Property Damage Liability$25,000 per accident
Uninsured/Underinsured Motorist CoverageN/A

For more information, check out the North Carolina Department of Insurance.

What is the average cost of car insurance in North Carolina?

The average cost of car insurance in North Carolina is $1,0672 in 2021 according to That's 30% lower than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live and your driving history.

Some people get the bare minimum coverage, while others prefer the comfort and security of more protection. Liberty Mutual customizes your North Carolina auto insurance, so you only pay for what you need.

U.S. Map with North Carolina state highlighted

What North Carolina car insurance coverage is right for you?

The chart above shows the minimum North Carolina auto insurance you need. But depending on your budget and needs, you might want to consider increased coverage for more protection. We'll help you customize your North Carolina car insurance to get the coverage that fits you. See all of our auto coverage options.

What is the best car insurance in North Carolina?

Liberty Mutual understands that everyone has individual needs when it comes to their North Carolina auto insurance. Some might want the cheapest North Carolina car insurance, while others want more coverage and an auto insurance company they know they can trust. Let us help you customize your North Carolina car insurance, so you only pay for what you need.

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Who has the cheapest car insurance in North Carolina?

Getting the cheapest car insurance in North Carolina may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.3

  • $817 lower than GEICO
  • $731 lower than Progressive
  • $839 lower than State Farm
  • $758 lower than Allstate

Discounts that help you save


Online Purchase Discount

Buy your policy online and save. It's that simple.4

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Convenience and savings — need we say more? Combine your policies and get a discount.5


Get rewarded for your good driving behavior by saving up to 30% on your policy.6

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1Minimum coverage amounts are subject to change.
3Average savings validated by new customers who switched to Liberty Mutual between 10/2021 and 09/2022 and participated in a countrywide survey. Carrier-specific figures reflect average savings for customers who switched to Liberty Mutual from the listed carriers. Savings may vary. Comparison does not apply in MA.
4Discount applies to 12% on average off auto coverages: Bodily Injury Liability, Physical Damage, Uninsured Motorist, Underinsured Motorist, Medical Payments, Personal Injury Protection, Collision and Comprehensive coverages, as applicable by state.
5Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
6The RightTrack® discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability), and excludes fixed expenses (where applicable). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116. © 2023 Liberty Mutual Insurance