Coverage designed with you in mind
One of the original 13 colonies, North Carolina is one of the 10 most populated states. Located on the Atlantic coast of the United States, its largest cities are Charlotte and the capital, Raleigh. Home to professional sports teams in basketball, football, hockey and soccer, the Tar Heel State is home to the first flight by the Wright Brothers and the Outer Banks chain of islands. The state is known for being a home to motorsports, financial institutions, furniture centers, textiles and tobacco farming. With the Appalachian Mountains in the Western part of the state, North Carolina is home to diverse landscapes which can be seen from Interstates 26, 40, 85, 95 and 77.
Finding the right car insurance for you means staying up to date on North Carolina requirements. The table below lists the coverages and minimum coverage limits that are required in North Carolina. Keep in mind, however, that minimum coverage limits are just a starting point. You may want to consider increasing your coverage limits for greater protection.
North Carolina car insurance state minimums
Bodily injury liability
$30,000 limit per person/$60,000 limit per accident
Property damage liability
Bodily injury: $30,000 limit per person/$60,000 limit per accident
Property damage: $25,000 limit
Offered with uninsured motorist coverage
All coverages are subject to the coverage limits stated in your policy.
¹Although North Carolina law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.
Other types of car insurance coverage in North Carolina
North Carolina car insurance discounts
It’s possible to get quality coverage at a lower rate than you might think. When you get a quote for North Carolina auto insurance from Allstate, you may be eligible for discounts that could help you save. Some available discounts can include:
- Multiple policy / bundling discount
- New car discount
- Early Signing Discount®
- Responsible payer discount
Review the different types of car insurance discounts tailored to you and enjoy savings without cutting coverage.
Insurance bundling discounts
Allstate offers discounts for having multiple polices together, when you need multiple types of protection — for instance, bundling your auto and homeowners insurance could save you up to 15%*. When you bundle multiple Allstate insurance policies, you can quickly access them with a single sign-in, where you can review your coverages and make payments.
Factors that can impact your car insurance rates in North Carolina
In addition to selecting the coverages, limits and deductibles that’s right for you, these factors could also affect your car insurance rates in North Carolina:
- The type of car you’re insuring (year, make, model)
- Your driving habits and annual mileage
- Demographic factors, like zip code
- Any discounts you may qualify for
Learn more about these factors that could impact your car insurance premium.
North Carolina’s rules on electronic proof of insurance
If you are stopped by the police and asked to show proof of insurance, you may wonder if you need to find a paper copy of your insurance card, or if you can use an electronic version. In North Carolina, you are allowed to show an electronic copy of your insurance card on your mobile device.