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North Carolina Car Insurance
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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
Coverage | Amount |
|---|---|
| Bodily Injury to Others | $30,000 per person and $60,000 per accident |
| Property Damage Liability | $25,000 per accident |
| Uninsured/Underinsured Motorist Coverage | N/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 $1,008 per year according to thezebra.com.2 That’s 32% 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.
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?
NerdWallet named Liberty Mutual one of the best car insurance companies in 2022.3 That’s because we understand 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.
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.4
- $617 lower than GEICO
- $659 lower than Allstate
- $643 lower than Nationwide