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Best Affordable Auto Insurance in North Carolina
Get Free Quotes and Find the Best Coverage

Finding cheap auto insurance in North Carolina is possible, but as a consumer you must be educated on the minimum requirements as well as be willing to get multiple policy quotes from multiple insurers. The North Carolina Department of Insurance defends the state required auto insurance law by stating, "Automobile insurance is used to protect you against expenses you may not otherwise be able to afford if you are involved in an automobile accident." In this way, all citizens on the road have protection in case they are involved in an accident that they did not cause. In North Carolina if you are operating a motor vehicle, you are required to have a car insurance policy with bodily injury liability and property damage liability. Liability coverage will pay for injury and property damage for which any covered individual is responsible for because of an accident that is their fault. While this is the only coverage required by law, one may seek additional coverages for a higher price, but will cover you or any family member while using your car with permission. The policy will pay up to the limits you decide, but better than minimum coverage is recommended. Finding the best and most affordable auto insurance in North Carolina can be an arduous task. Thankfully here at Best Auto we have done all the hard work to help you not only get free quotes, but find the best coverage and policy in North Carolina. Below is all of the essential car insurance information you need, as well as the best auto insurance companies serving the Tar Heel State.

Understanding North Carolina's Auto Insurance Requirements

Remember that the minimum requirement for car insurance differs from state to state and in order to get the best auto insurance quotes in North Carolina one must understand what coverage they need. North Carolina is not a no-fault state and does not require Personal Injury Protection (PIP) to be a part of your policy. It does mandate however that all auto insurance policies must have uninsured motorist coverage.

In insurance vernacular a state's basic information on minimums for coverage are presented in the Body Injury Liability for 1 person/Body Injury Liability for all people/Property Liability Damage format. Body Injury liability refers the minimum dollar amount required for one person in an accident. Body Injury Liability for all people is the minimum amount required for coverage in an accident involving at least 1 driver and 1 passenger. Property Liability Damage refers to the minimum amount required for any accident in which property is damaged. In North Carolina the minimums are 25/50/25. The numbers are in thousands of dollars.

North Carolina Car Insurance Facts & Car Insurance In Comparison:

  • Liability Insurance Required: Yes
  • Minimum Coverage Required: 25/50/25
  • No-Fault State: Yes
  • Personal Injury Protection Required: Yes
  • Uninsured Motorist Coverage Required: Yes
  • Average Liability Cost: $355
  • Average Collision Cost: $235
  • Average Comprehensive Cost: $110
  • Average Cost per Year in North Carolina: $591
  • US Average Cost: $795
  • Expense Rank: 44/51

Best North Carolina Auto and Car Insurance Companies

J.D. Power
Overall Rank
Customer
Satisfaction
52%
N/R
N/A N/R
41%
N/R
N/A 53%
37%
40%
55%
30%
N/A N/R
N/A 48%
65%
39%
63%
N/A 42%
N/A 55%
34%
N/R
N/A N/R
35%
N/A 23%
42%
N/R
N/A N/R
N/A 75%
33%
N/R
34%
33%
N/R
N/A N/R
N/A N/R
N/A 65%
N/A N/R
N/A 34%