Car Insurance in North Carolina
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Learn what North Carolina drivers pay, the legal minimum and who offers the lowest cost.
- Average monthly cost for full coverage: $103.
- Minimum liability limits: 50/100/50.
- Among 51 states, this state ranks 41st for cost, with 1st = highest.
North Carolina car insurance costs
With full coverage, the average North Carolina driver pays $1,233 a year, or about $103 a month. Policies with only the legal minimum average $503 a year. This figure is 24% below the US yearly average of $1,613.
| Coverage in North Carolina | Per year | Per month |
|---|---|---|
| Liability | $503 | $42 |
| Collision | $497 | $41 |
| Comprehensive | $233 | $19 |
| Full coverage (all three) | $1,233 | $103 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
North Carolina's legal insurance minimum
In North Carolina, you must carry at least 50/100/50 liability coverage. The limits are $50,000 per injured person and $100,000 for everyone injured in one crash. You also need $50,000 for damage to another person’s property.
North Carolina uses an at-fault rule, so a driver who causes a crash pays the costs through liability cover.
Both uninsured and underinsured motorist cover are required.
How many North Carolina drivers lack insurance?
In 2023, about 12% of North Carolina drivers had no car insurance. Their share ranked 29th highest in a 51-place comparison. If one of those drivers hits you, your uninsured motorist cover pays your bills.
Additional facts about car insurance in North Carolina
is when this was first written.