Liability Car Insurance in North Carolina
Numbers refreshed
North Carolina's cheapest legal policy: what it costs and what it doesn't include.
- The average monthly cost for liability is $42.
- The minimum liability limits are 50/100/50.
- Among 51 states, this one ranks 41st for cost (1st means the highest).
How much liability costs in North Carolina
Car insurance with liability only in North Carolina averages $503 a year, or about $42 a month. For liability coverage, the state ranks 43rd in cost.
| 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).
What you still pay with the minimum
North Carolina requires a minimum of 50/100/50 for liability. Each person hurt is covered for up to $50,000. Everyone hurt in one crash shares up to $100,000. Property belonging to other people is covered up to $50,000.
Liability coverage pays the other people. You pay for repairs to your own car out of pocket unless you add collision coverage.
Any crash costs above your limits can be claimed from you. The added cost of higher limits is usually far below the increase in protection they provide.
About car insurance in North Carolina, with more details
First written