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Compara cotizaciones de 70+ companías de seguros y ahorra hasta $717
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Las tarifas más baratas encontradas recientemente en North Carolina
Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $36/mes para solo responsabilidad y $59/mes para cobertura total en North Carolina.
*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 2 de mayo de 2024
Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 2 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 2 de mayo de 2024
Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 2 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.
Car insurance requirements vary based on the state you live in, so it’s important to understand your state’s minimum coverages. In North Carolina, drivers have to purchase 30/60/25 minimum insurance for bodily injury liability and property damage liability. Plus, drivers must also carry uninsured/underinsured motorist insurance.[1] North Carolina’s liability limits are similar to many other states’ liability requirements, but only a handful of states require uninsured/underinsured motorist coverage.
Here’s what you need to know about North Carolina car insurance requirements and how to compare rates to find the cheapest coverage.
North Carolina car insurance requirements
If you want to drive legally in North Carolina, you must have the following coverages:[1]
$30,000 per person for bodily injury liability
$60,000 per accident for bodily injury liability
$25,000 per accident for property damage
Uninsured/underinsured motorist coverage equal to your liability coverage
Bodily injury liability
Bodily injury liability insurance covers someone else’s injuries and medical expenses from accidents you cause. But it doesn’t cover your own injuries and medical expenses. It also helps pay for legal costs if someone sues you.
In North Carolina, you need policy limits of at least $30,000 per person and $60,000 for all persons in an accident.
Find Car Insurance in North Carolina
Liability insurance starts at $36 per month
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Property damage liability
Property damage liability coverage pays for repairing or replacing someone else’s car or other property when you cause an accident. North Carolina law requires at least $25,000 for property damage liability.
Keep in mind that $25,000 is the absolute minimum requirement. If you do more than $25,000 in property damage, your insurance won’t cover the excess — you’re financially responsible for the rest.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage protects you in case another driver doesn’t have any insurance or enough insurance to pay for your medical expenses or damages.
North Carolina requires uninsured/underinsured motorist coverage policy limits at the same amount as bodily injury and property damage coverage. So if you have $30,000 for bodily injury coverage and $25,000 for property damage coverage, you’ll have those same limits for uninsured/underinsured motorist coverage.[2]
North Carolina Safe Driver Incentive Plan
SDIP
The North Carolina Safe Driver Incentive Plan (SDIP) provides drivers with a financial incentive to practice safe driving. Moving violations, at-fault accidents, and other convictions correlate to points on your license that result in car insurance rate increases. For example, two SDIP points equals a 55% rate increase.[3]
The more points you accrue with the state, the more you risk losing your license. North Carolina may suspend your license if you get 12 points within three years.[4]
Do you need more than state-minimum coverage in North Carolina?
North Carolina requires drivers to always have liability insurance. But you may feel that you need more auto insurance than that. The state’s minimum coverage is just that — a minimum — and insurance professionals generally encourage you to buy more.
Liability insurance only covers other parties’ damages and injuries after an accident you cause. It doesn’t pay for your own damages or injuries, which is why you may need more coverage. You can purchase full-coverage insurance, which usually includes liability, collision, and comprehensive coverages. Because this adds more protection, full-coverage insurance usually costs more.
Keep in Mind
If you drive a less valuable car, you might choose liability insurance. On the other hand, if you own an expensive car, especially one that you financed, full coverage may be the better choice.
The cost of liability-only car insurance in North Carolina
The average cost of liability-only insurance in North Carolina is $57 per month. If you have liability insurance and cause a car accident, that means your policy will pay for the other parties’ damages and injuries. The cheapest liability-only car insurance company in North Carolina is Midvale Home & Auto, but the table below includes other affordable auto insurers.
The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Monthly Quote
Midvale Home & Auto
36
Nationwide
41
Erie
41
Safeco
47
GEICO
47
Liberty Mutual
48
Direct Auto
52
Travelers
52
Dairyland
54
Allstate
56
Progressive
57
National General
66
State Farm
67
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
The cost of full-coverage car insurance in North Carolina
The average cost of full-coverage car insurance in North Carolina is $107 per month. Full-coverage insurance usually includes liability coverage, plus collision and comprehensive, which pay for vehicle damages from various situations, even if you’re at fault. It can also include medical payments (MedPay), which covers your injuries from an accident, regardless of fault.
The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7.
Insurance Company
Average Monthly Quote
Nationwide
63
Erie
63
Midvale Home & Auto
70
GEICO
72
Travelers
79
Allstate
86
Progressive
87
Safeco
93
State Auto
94
State Farm
103
Direct Auto
107
National General
122
Liberty Mutual
139
Dairyland
279
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
Penalties for driving without proof of insurance in North Carolina
Generally, if you drive without insurance in North Carolina, you likely won’t face jail time, but you will pay fines:[1]
First offense: $50 fine and a $50 vehicle registration restoration fee at renewal
Second offense in three years: $100 fine and a $50 vehicle registration restoration fee at renewal
Third and subsequent offenses: $150 fine and a $50 vehicle registration restoration fee at renewal
Get Auto Coverage in North Carolina
State-minimum coverage starts at $36 per month
Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
Optional car insurance coverages to consider
Beyond liability-only or even full coverage, if you really want a lot of insurance protection, you may consider purchasing optional car insurance coverage, such as:
Medical payments (MedPay) coverage
Medical payments coverage (MedPay)covers you for medical expenses for you and your passengers in the event of an accident, regardless of fault.
Roadside assistance coverage
Roadside assistance coverage helps pay for costs when your car breaks down during travel. It can include towing and labor, battery jump-starts, and tire changes.
Rental reimbursement coverage
Rental reimbursement coverage pays for the cost of a rental car if your car is in the shop for repairs, up to the policy limit.
Gap coverage
Gap insurance covers the difference between your auto loan and insurance settlement in the event of a total loss.
North Carolina car insurance requirements FAQs
Here’s Insurify’s guide on how to switch your car insurance in a few simple steps. You can also check out the answers to common questions about car insurance in North Carolina below.
Does North Carolina require car insurance?
Yes. To drive legally in North Carolina, you must have 30/60/25 coverage. This translates to $30,000 per person and $60,000 per accident for bodily injury liability, $25,000 per accident for property damage, and uninsured/underinsured motorist coverage equal to your liability coverage.[1]
Do you need car insurance to register a car in North Carolina?
Yes. North Carolina requires continuous liability insurance, so before you register a car, you need coverage from an insurer licensed to do business in the state.[5]
Does insurance follow the car or the driver in North Carolina?
As it does in many states, insurance follows the car in North Carolina. This means if someone borrows your car with your permission, your insurance policy covers them for any damages or injuries they cause while driving it.
Can you insure a car in North Carolina with an out-of-state license?
Yes. But if you established permanent residency in the state, you have 60 days to get a North Carolina driver’s license. In the meantime, you should contact your auto insurer to switch your car insurance liability coverage to meet North Carolina’s minimum requirements.
When did car insurance become mandatory in North Carolina?
Car insurance first became mandatory in North Carolina in 1957 under the Vehicle Financial Responsibility Act.[6]
North Carolina General Assembly. "§ 20-309. Financial responsibility prerequisite to registration; must be maintained throughout registration period.."
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