North Carolina car insurance

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 auto 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	$50,000 bodily injury coverage per person, $100,000 bodily injury coverage per accident
Property Damage Liability	$50,000 per accident
Uninsured/Underinsured Bodily Injury Motorist Coverage	$50,000 per person and $100,000 per accident
Uninsured/Underinsured Motorist Coverage	$50,000 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: $50,000 per person and $100,000 per accident
Property Damage Liability: $50,000 per accident
Uninsured/Underinsured Bodily Injury Motorist Coverage: $50,000 per person and $100,000 per accident
Uninsured/Underinsured Motorist Coverage: $50,000 per accident

You may see this written as 50/100/50.

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

Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car

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 $1,523³ in 2024 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.

See how much you could save on car insurance

U.S. Map with North Carolina state highlighted

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