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North Carolina has it all, from beaches and mountains to national forests and charming small towns. With a low cost of living and an atmosphere for thriving businesses, many people make the state their home.

Once you move to North Carolina, make sure you get auto insurance for your vehicle. While car insurance coverage in the state is fairly inexpensive compared to other states, you can always save more money.

If you’re looking for cheap car insurance in North Carolina, give Cheap Insurance a try. Just click the button below, answer a few questions, and we’ll give you a free quote in just minutes!

Quick North Carolina Car Insurance Facts

  • North Carolina has a minimum coverage requirement known as the 30/60/25 rule.
  • The average cost of minimum liability auto insurance in North Carolina is $413 per year.
  • Full car insurance coverage in the state costs an average of $1,325 per year. 
  • Approximately 7.4% of drivers in North Carolina are uninsured.

Minimum North Carolina Car Insurance Coverage

If you drive in North Carolina, you need to be covered under a policy with minimum car insurance coverage. North Carolina requires minimum insurance for bodily injury and property damage liability. Drivers must carry at least the following:

Property damage: $25,000 coverage for a single accident

Bodily injury/death: $30,000 for one person, $60,000 for two or more people

Getting Cheap Car Insurance In North Carolina

If you’re looking for car insurance coverage in North Carolina, getting the best price is a good idea. Here are some tips: 

Shop around: If your car insurance provider isn’t giving you a good rate, shop around. You can get quotes from other companies or save time and use Cheap Insurance to get a free quote within minutes.

Consider a safer vehicle: A vehicle with safety features can give you insurance discounts. If you have airbags, anti-lock brakes, or other features, let your agent know. 

Use your affiliation: Military members and others can save money on car insurance. Many companies offer discounts for firefighters, police officers, and healthcare workers.

North Carolina Car Insurance Discounts

Cheap car insurance in North Carolina is within reach. Ask your agent about these discounts:

Good Driver: Safe driving comes with benefits such as discounts of 10% or more.

Good Student: A student with a “B” average might be able to net a discount of as much as 20%.

Customer Loyalty: Staying with the same car insurance provider can mean savings, such as 10% loyalty discounts.

Defensive Driving Class: A defensive driving or safety class can help you save money on your car insurance premium.


What is the average car insurance cost in North Carolina?

The average cost for full car insurance coverage in North Carolina is $1,325 per year.

How much is car insurance per month in North Carolina?

The average cost for full car insurance coverage in North Carolina is approximately $110 per month.

What is the penalty for driving without insurance in North Carolina?

If you are caught driving without insurance in North Carolina, you may have your license and registration suspended for 30 days. You will also face a $50 fine and up to 45 days of probation.

What is driving like in North Carolina?

North Carolina earns its reputation as one of the best states to drive in. While there is often a lot of traffic in the Charlotte and Raleigh areas, congestion is below average in other cities. Safety and access to vehicles rank high in the state.

How can I save money on my car insurance policy in North Carolina?

Getting cheap car insurance in North Carolina is not too difficult if you follow these tips:

  • Maintain good credit. In North Carolina, car insurance providers are allowed to check your credit. Those with good credit will get better rates.
  • Drive safely. The better your driving record, the cheaper your insurance. 
  • Consider your location. Living in the city means higher insurance rates. If you’ve wanted to move, it could mean lower premiums.

Other Types of Coverage

If you’re driving in North Carolina, you need to have at least the minimum insurance. Here are some optional car insurance coverages available in the state:

Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM)

Medical Payments Coverage

Physical Damage Coverage.

Additional kinds of coverage 

Endorsements and Riders

  • Towing and road service
  • Rental car reimbursement
  • Gap insurance

Cities We Cover In North Carolina

Get a free quote from Cheap Insurance and get cheap car insurance within minutes! We serve the following cities in North Carolina:

Average Annual Premiums in North Carolina = $1,022 | via Insure.com

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