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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 can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you 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 car insurance coverage for

  • Bodily Injury to others
  • Property Damage
  • Uninsured/Underinsured motorist coverage

Here are the minimum auto insurance limits drivers must have in North Carolina.2

Coverage

Amount

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

Check out the North Carolina Department of Insurance for more details.

What liability insurance is required in North Carolina?

North Carolina law requires you to have liability car insurance. This coverage protects others if you cause bodily harm or property damage to them. It's important to know this coverage doesn't cover you, your car, or your personal belongings.

Drivers must have a car insurance policy with the minimum coverages of2

  • Bodily Injury Liability: $30,000 per person and $60,000 per accident
  • Property Damage Liability: $25,000 per accident
  • Uninsured/Underinsured Bodily Injury Motorist Coverage: $30,000 per person and $60,000 per accident
  • Uninsured/Underinsured Motorist Coverage: $25,000 per accident

You may see this written as 25/50/25.

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

For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.

What's the average cost of car insurance in North Carolina?

The average cost of car insurance in North Carolina was $1,0673 in 2021 according to thezebra.com. 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 minimum coverage, while others prefer more protection. Liberty Mutual can help you save money on North Carolina auto insurance with a customized policy 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?

All North Carolina drivers must have the state minimum auto insurance coverages. But, based on your budget and needs, you may want to consider higher limits 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's 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 sounds great, but it could cost you when you need it most. Beyond cost, you should make sure the company you pick is reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.4

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

Save money with these auto insurance discounts

Switch to Liberty Mutual for car insurance and you could save over $7001
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Violation-Free Discount

Great drivers are made, not born. You'll get a discount if your driving history is violation-free.5

Learn more about Savings
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Multi-Car Discount

The more cars you insure with Liberty Mutual, the more you can save on your premium.5

Learn about Multi-Car Discounts and more
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RightTrack®

Instantly receive a 10% discount when you enroll. Complete the program and you could save up to 30% on your policy for safe driving behavior.6

Save with our safe driver program
Those are just a few of the ways we can help lower your car insurance costs.

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