With so many companies offering auto insurance in North Carolina, how do you choose the car insurance that's right for you? Regardless of where you live in North Carolina, Allstate offers a wide variety of auto insurance policies, optional insurance coverages and other products for North Carolina drivers. As your auto insurance needs change, your local Allstate agent will take the time to help you make the right choices. If you have a teen driver, there are many other considerations your local Allstate agent can also help you with. Refer to the NC Graduated Driver Licensing chart below for more information.

For more information on this state, visit the North Carolina State Information or North Carolina State Catastrophe page.

North Carolina Auto Insurance Coverage Scale

Do you know what the North Carolina auto insurance coverage requirements are? Use the chart below as a possible starting point to learn more about the North Carolina-required auto insurance coverage levels and the most common car insurance coverages in North Carolina.


	Coverage		State Requirements	Most Common

	Bodily Injury Liability		30,000/60,000	100,000/300,000

	Property Damage Liability		25,000	50,000

	Combined UnderInsured/Uninsured Motorist Bodily Injury		Not required	100,000/300,000

	Medical Payments		Not required	2,000

	Collision		Not required	250 deductible

	Comprehensive		Not required	0 deductible

North Carolina Graduated Driver Licensing

If you have a teen driver, you should know about Graduate Driver Licensing (GDL). GDL laws are one of the few things that have been shown to save teen lives. Protect your teen driver by reviewing these GDL laws with them and use them to form driving rules that help keep your teen driver safe.


	Minimum Entry Age (Optimal: 16)			15
	Minimum Entry Age (Optimal: 16)			15

	Extended Learner Period (Optimal: at least 6 months)			Has optimal provision

	Parent Certification (Optimal: 30 hours minimal)			Has optimal provision

	Night Restriction (Optimal: 9 or 10 p.m.)			Has optimal provision

	Passenger Restriction (Optimal: No teenager passengers or only one-family excepted)			Has optimal provision

	Minimum exit age/ Minimum age at which restrictions are lifted (Optimal: 18)			16 years, 6 mo.

Get more information and learn about teen driving research, facts, tips, driving laws, and teen driving programs.

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Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Florida, Georgia, South Carolina, Tennessee, Virginia

Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in North Carolina. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.

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North Carolina

Auto Insurance Coverages

North Carolina Auto Insurance Coverage Scale

North Carolina Graduated Driver Licensing

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