Gap Insurance in North Carolina (2026)
Gap insurance protects you if you total your car and owe more on the loan balance than what it’s worth.
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Written byAthena Valentine Lent
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Athena Valentine Lent
Athena Valentine Lent is a finance columnist for Slate and the author of Budgeting for Dummies (Wiley, 2023). Her writing has appeared in BuzzzFeed, The College Investor, GOBankingRates, Money Under 30, and Keeper Tax among other places. Her personal finance blog, Money Smart Latina, won the Plutus Award for "Best Personal Finance Content for Underserved Communities" in 2020 and was nominated for "Blog of the Year" in 2022. When not working she can be found with her main man, a polydactyl cat named Harrison George.
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Edited byAshley Cox
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Ashley CoxSenior Managing Editor
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Reviewed byDavid Marlett
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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
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Table of contents
Gap insurance is additional auto insurance that can cover the difference between the actual cash value of your car and the amount left on an auto loan for your totaled vehicle. If you have an auto loan or lease, you can benefit from purchasing gap insurance. Without this coverage, you’d have to pay out of pocket for a car you can’t drive anymore.
The national average for full-coverage insurance is $173 per month, according to Insurify data. A gap policy typically adds about $2 per month to your car insurance costs.
Here’s what you need to know about comparing car insurance quotes and purchasing gap insurance in North Carolina.
Quick Facts
The state of North Carolina doesn’t require gap insurance coverage, but your lender might.
Gap insurance isn’t the same as new car replacement insurance.
Liberty Mutual, Allstate, and Nationwide offer some of the cheapest gap insurance coverage in North Carolina.
How gap insurance works
Gap, or guaranteed asset protection, insurance is a product you can buy from an insurance company or car dealership that covers the difference between your vehicle’s value and the remainder of your loan if you have an auto accident that totals your vehicle.[1]
If you total your car, your insurance company should reimburse you for the amount your vehicle is worth if you file a collision or comprehensive coverage claim. But if you’re financing your vehicle, the amount your car is worth will likely differ from the remainder of your loan if you have an auto accident resulting in total loss for your vehicle.
Good to Know
Depreciation hits a car as soon as you drive it off the lot, which is why gap insurance is important if you don’t want to owe an additional sum if something happens that’s out of your control.
Find Cheap Car Insurance in North Carolina
Minimum coverage starts at $61/mo.
Excellent
4.7 out of 5 based on 12,498 reviews
Secure. Free. Easy-to-use.
What gap insurance covers in North Carolina
North Carolina gap insurance covers the difference between your vehicle’s actual cash value (ACV) — based on its current market price — and the amount you still owe on your car loan if you total your car or someone steals it. Gap insurance doesn’t cover medical bills incurred as a result of an accident or the replacement of another party’s vehicle.
Let’s say your current vehicle is worth $12,000 and you still owe your auto lender $15,000. If an accident totals your vehicle and you have collision insurance, your insurer will reimburse you $12,000. Gap insurance will kick in and pay the remaining $3,000 of the loan amount to cover both you and your auto lender.
A common misconception about gap insurance is that it’s too expensive or sold only through your lender. Gap insurance is affordable, and you can purchase it through your auto insurance company or a third-party company.
Best gap insurance companies in North Carolina
Not all insurance companies sell gap insurance, so make sure you look into coverage options when comparing multiple quotes. The three companies below have some of the cheapest car insurance rates in North Carolina, and they also offer gap coverage.
Liberty Mutual
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $67/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $117/mo |
3.4
A solid option in North CarolinaBased on 3,619 verified driver reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best in North Carolina for
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best in North Carolina for
Numerous discounts
New and financed vehicles
Accident forgiveness
Showing 9 reviews from North Carolina drivers - See all 1,888 Liberty Mutual reviews
Richard
Verified Review
Liberty Mutual Needs to Improve
Reviewed in North Carolina on February 15, 2026
The roadside assistance employees were awful, and my insurance rates went up, so I switched and saved a lot of money.
Antoinette
Verified Review
Liberty Mutual: A Reliable Insurance
Reviewed in North Carolina on February 13, 2026
Liberty Mutual has been good for me. When the car was wrecked recently, they were quick to respond and get the process started. They quickly arranged for me to get a rental car to drive and handled all the steps from beginning to end. Everyone I dealt with was very knowledgeable and courteous. They also worked with me to get the best rates for my car insurance.
Jacquelyn
Verified Review
Does Liberty Mutual care about their customers?
Reviewed in North Carolina on January 28, 2026
I have an excellent driving record, but my policy goes up every year and they do not give any discounts for good driving or anything. I drive less than 30 miles per day. None of this matters to them.
Alan
Verified Review
Shop Around
Reviewed in North Carolina on November 14, 2025
Liberty Insurance Auto Insurance is much more expensive than most others.
James
Verified Review
Good Company, But...
Reviewed in North Carolina on September 14, 2025
Good company, but like all, after you have been with them for a few years they raise costs substantially, even if your driving record has been perfect.
Lesley
Verified Review
Excellent
Reviewed in North Carolina on July 11, 2025
I just need a better quote than what I currently pay with them.
Tanquanette
Verified Review
They overcharge and add people to your policy if they name a person at the address you live, even if they stayed there before.
Reviewed in North Carolina on May 5, 2025
They overcharge and add people to your policy if they name a person at the address you live, even if they stayed there before.
James
Verified Review
We were impressed with them when we first started, now we can't wait to leave them.
Reviewed in North Carolina on April 26, 2025
We were very impressed with Liberty Mutual until they decided to keep raising our rate for no justifiable reason. We have no tickets, no accidents; they just blame the area we live in as an excuse to keep raising our rate. At this point, we're just paying an exorbitant amount of money to have this thing called insurance.
Jennifer
Verified Review
Wonderful
Reviewed in North Carolina on April 10, 2025
I enjoy working with them every time I need to.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
612NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Liberty Mutual is one of the best insurers for gap insurance in North Carolina. In addition to gap coverage, Liberty Mutual also offers new car replacement insurance, which has a distinct difference but can provide additional financial protection when purchasing a vehicle.
Pros
Wide range of available discounts
Accident forgiveness available
Available in all 50 states and D.C.
Cons
Many negative reviews and customer complaints
Premiums are relatively high compared to industry average
Low customer satisfaction scores from J.D. Power
Allstate
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $84/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $126/mo |
3.8
A solid option in North CarolinaBased on 9,493 verified driver reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best in North Carolina for
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best in North Carolina for
Accident forgiveness
Wide availability
Cheap rates
Showing 39 reviews from North Carolina drivers - See all 4,277 Allstate reviews
David
Verified Review
Allstate Review
Reviewed in North Carolina on March 8, 2026
Expensive for pleasure rating and good driving record. Shop around.
Karen
Verified Review
Allstate is horribly expensive. My agent got me in with a subsidiary of Allstate that was more affordable with better coverage!
Reviewed in North Carolina on March 3, 2026
Allstate is horribly expensive. My agent got me in with a subsidiary of Allstate that was more affordable with better coverage!
Jim
Verified Review
Allstate too expensive
Reviewed in North Carolina on February 24, 2026
They lowball the first year, and in the second year, they increase the rates significantly.
Ykethia
Verified Review
Allstate Auto Insurance Experience
Reviewed in North Carolina on February 4, 2026
The people are nice, but the rates are too high.
Dennis
Verified Review
Excellent
Reviewed in North Carolina on February 1, 2026
Friendly staff always available to answer questions and supply the information I need.
Leslie
Verified Review
I'm in good hands
Reviewed in North Carolina on January 13, 2026
My agent is easily available when I have questions, very professional and friendly.
Vernon
Verified Review
Average
Reviewed in North Carolina on December 27, 2025
They keep raising rates. I started out paying $87.40 a month, and now I'm paying $171.36 a month.
Wanda
Verified Review
Is it time to shop around for new auto insurance?
Reviewed in North Carolina on December 27, 2025
Well, even though I’ve never spoken to my “agent,” whenever I call Allstate, the representatives who answer are knowledgeable and friendly. It dismays me that the Allstate charges continue to climb each year and sometimes at the end of each of the covered 6 months!
Jim
Verified Review
Not Happy with My Rate!
Reviewed in North Carolina on December 27, 2025
You give no reason as to why my insurance rate went up by over $400. If I hadn't received a $200 safe driver's credit, my cost would have been $1,200 every 6 months. I feel like we have to pay for those who don't have insurance but cause accidents. Meanwhile, safe drivers like me face higher rates. I realize this may mean nothing to you.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
If you’re the original loan or leaseholder of your vehicle, you can purchase loan/lease gap coverage through Allstate for a new vehicle. Allstate encourages drivers with collision and comprehensive coverage to also purchase gap insurance products for their vehicle and for additional payoff coverage for a qualifying covered loss.
Pros
A (Excellent) financial strength rating from AM Best
Pay-per-mile option available
Cons
Low customer satisfaction
Rates are merely average compared to other insurers
Nationwide
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $61/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $93/mo |
4.2
Best choice in North CarolinaBased on 950 verified driver reviews and ratings
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in North Carolina for
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in North Carolina for
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
Showing 3 reviews from North Carolina drivers - See all 512 Nationwide reviews
Walter Mike
Verified Review
Fed up with high rates just because they can
Reviewed in North Carolina on February 24, 2026
I thought it was good until they started raising my rates for no good reason other than what they said: everyone is getting a rate increase. Which didn’t sit well. I’m a senior citizen with a perfect driving record; all other things they check are really good, and I've been with this same company and agent for over 20 years. Undoubtedly, that doesn’t mean much. So much for loyalty and being a long-time customer. So I’m doing something different.
Stephen
Verified Review
Cost is too high
Reviewed in North Carolina on May 11, 2025
Too expensive for someone who was a customer for 20 years and never filed a claim.
George
Verified Review
A Money Pit
Reviewed in North Carolina on March 13, 2025
Way too expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
641NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Nationwide also sells gap insurance as an add-on. If someone steals your vehicle and your insurance settlement for your vehicle’s ACV is less than what you still owe, gap insurance can cover the remaining amount.
Pros
Offers 24/7 roadside assistance coverage add-on
SmartRide (for safe drivers) and SmartMiles (for low-mileage drivers)
Accident forgiveness available
Cons
Below-average customer satisfaction scores from J.D. Power
Some discounts and programs not available in all states
Not available in every state
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page.
The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums. The data included on this page represent averages across driver ages, genders, credit scores, and driver profiles for North Carolina drivers.
Gap insurance vs. full coverage
Full-coverage insurance is a type of insurance that includes the state’s minimum-required liability coverage plus comprehensive and collision coverages.
Comprehensive insurance can help pay for damages caused by severe weather, such as hail or lighting, and non-collision events, like fire, vandalism, or theft. Collision insurance covers the cost of repairs if you’re in an accident with someone else. These coverages don’t pay for any amount of money you still owe a lender after the initial insurance payout.
Gap insurance covers the remaining amount you still owe. Even if you have full coverage, you should buy gap insurance if you have a loan or lease on your car. Some lenders or financial institutions may even require it, depending on the terms and conditions of the auto loan.
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Learn More: Gap Insurance on Used Cars: Do You Need It?
Who needs gap insurance in North Carolina?
The state of North Carolina doesn’t require gap insurance, but a car lender likely will require you to maintain the coverage during your loan period.[2]
You should purchase gap insurance if any of the following apply:
You made a down payment of less than 20%.
You financed your vehicle for 60 months or longer.
You have a vehicle lease.
You purchased a vehicle that depreciates quickly.
You rolled negative equity over from an old car loan.
How to buy gap insurance in North Carolina
Most car insurance companies offer gap insurance, which they might also call loan/lease payoff coverage. You might be able to purchase it as a stand-alone policy, but most insurers sell it as an add-on to your existing policy. If your current insurer doesn’t offer this coverage, consider switching to one that does.
Adding gap insurance to a full-coverage policy with collision and comprehensive coverage adds about $20 per year to your premiums, according to the Insurance Information Institute.
You can also buy gap insurance from the lender you’re financing your vehicle through. But getting gap insurance through the lender will end up costing more because the lender will roll it into your loan or lease, and you’ll pay interest on it.
Cheapest recent car insurance quotes in North Carolina
Drivers using Insurify have found quotes as cheap as $44/mo for liability only and $56/mo for full coverage in North Carolina.
*Quotes generated for Insurify users within the last 10 days. Last updated on March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Gap insurance in North Carolina FAQs
The following information can help answer your remaining questions about gap insurance in North Carolina.
How much is gap insurance in North Carolina?
The cost of gap insurance depends on where you purchase it, as well as individual factors like your age, your location, and the type of car you drive. But adding gap insurance to an existing full-coverage policy only adds about $20 per year to your premium, according to the Insurance Information Institute.
Does North Carolina require gap insurance?
No. The state of North Carolina doesn’t require gap insurance. North Carolina drivers only need to purchase the minimum liability limits set by the state, which include bodily injury and property damage liability.[3] But your lender may require gap insurance, in addition to other auto insurance policies, when you finance or lease your vehicle.
What does gap insurance cover in North Carolina?
Gap insurance in North Carolina covers the gap between your vehicle’s actual cash value and the remainder you still owe on an auto loan if you total your vehicle or someone steals it. Gap insurance doesn’t cover other damages to a vehicle that may leave it unusable, such as an engine repair or other needed service.
Is gap insurance worth it?
Though not required, gap insurance can help provide peace of mind when you purchase a new vehicle. The cost of gap insurance makes sense if your car loan exceeds the value of the vehicle, if you have a minimal down payment, or if you plan on using your vehicle a lot, which results in high mileage.
Does gap insurance cover negative equity?
Yes. Gap insurance covers negative equity, also known as the money still owed when a car’s actual cash value is less than the remaining balance on the vehicle’s loan or lease.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Information Institute. "What is gap insurance?."
- North Carolina General Assembly. "Guaranteed Asset Protection Waivers."
- North Carolina Department of Motor Vehicles. "Insurance Requirements."
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Written byAthena Valentine Lent
Athena Valentine Lent
Athena Valentine Lent is a finance columnist for Slate and the author of Budgeting for Dummies (Wiley, 2023). Her writing has appeared in BuzzzFeed, The College Investor, GOBankingRates, Money Under 30, and Keeper Tax among other places. Her personal finance blog, Money Smart Latina, won the Plutus Award for "Best Personal Finance Content for Underserved Communities" in 2020 and was nominated for "Blog of the Year" in 2022. When not working she can be found with her main man, a polydactyl cat named Harrison George.
Ashley CoxSenior Managing Editor
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.