Finding cheap car insurance in North Carolina is very achievable in the Tar Heel State, which has some of the lowest auto insurance rates in the nation. North Carolina's unique rate bureau system and competitive market help keep premiums affordable for most drivers.
North Carolina's insurance market is distinct from other states. Understanding North Carolina car insurance requirements and how rates are determined helps you find the best coverage.
North Carolina Car Insurance Requirements
North Carolina requires minimum liability coverage of 30/60/25—$30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage. These higher minimums provide better protection than many states.
North Carolina is a tort state with a contributory negligence rule. If you're even 1% at fault, you may not recover damages, making adequate coverage important.
What Affects North Carolina Car Insurance Rates
Your location within North Carolina impacts your car insurance rates. Charlotte and Raleigh have higher premiums due to traffic. Rural areas and smaller cities enjoy lower rates.
Hurricane risk along the coast affects comprehensive coverage costs. North Carolina's Safe Driver Incentive Plan rewards good drivers with lower rates for North Carolina auto insurance.
How to Save on North Carolina Auto Insurance
Comparing quotes from multiple insurers helps you find the best cheap car insurance in North Carolina. The state's rate bureau system still allows competitive pricing.
Take advantage of North Carolina's discount opportunities including safe driver, multi-policy, good student, and anti-theft discounts. The state's driver training discounts can also reduce premiums.