North Carolina car insurance
Getting car insurance in North Carolina
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.
How to save on car insurance in North Carolina
Protect your ride and your wallet with Allstate's simple and personalized car insurance.
- Switch and save $900
Put money back in your wallet when you move your auto policy to Allstate1. - Save more than ever with Drivewise®
Connect your driving data to save up to 30% with your everyday safe driving. The safer you drive, the less you'll pay2. - Bundle and save 20%
Save an average of 20% on your premium when you bundle home and auto policies3. - Save 25% with multiple cars
More cars = more savings! Put money back in your wallet when you insure more than one car with Allstate4.
What car insurance discounts can I get in North Carolina?
When you get a free quote from Allstate, you may be eligible for discounts that could help you save. Some available discounts can include:
- Anti-theft device
- Defensive driver
- Good student
- Student away at school
- Safe driver
Review the different types of car insurance discounts tailored to you and enjoy savings without cutting coverage.
What is the minimum required coverage in North Carolina?
| Coverage type | State requirements |
|---|---|
| Bodily injury liability Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault. |
$50,000 limit per person/$100,000 limit per accident |
| Property damage liability Helps cover expenses related to the damage of another person's property — like vehicles, homes, buildings and other structures — when an accident is your fault. |
$50,000 limit |
| Uninsured motorist Helps cover medical expenses if you're in an accident, the other driver is at fault and doesn't have any insurance. |
Bodily injury: $50,000 limit per person/$100,000 limit per accident Property damage: $50,000 limit |
| Underinsured motorist Helps cover medical expenses if you're in an accident, the other driver is at fault and doesn't have enough insurance. |
Offered with uninsured motorist coverage |
| Medical payments If you and/or your passengers are hurt in an accident, this helps cover your medical or funeral expenses. |
$50,000 limit |
| Collision Helps cover expenses to repair or replace your vehicle that's been damaged in an accident. |
Not required* |
| Comprehensive Helps cover expenses to repair or replace your vehicle that's been stolen or damaged by things like storms or vandalism. |
Not required* |
State chart requirements provided for informational purposes only. State minimums and required coverages vary by state and may change from time to time. Check with your state for up-to-date information or if you have questions about current state minimums.
*Although 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.
Is North Carolina a no-fault state for car insurance?
Yes, North Carolina is a no-fault state for car insurance. This means all drivers are required to have Personal Injury Protection (PIP) attached to their policies for covered claims. PIP covers any damages a driver incurs from an accident, including medical expenses and lost wages up to policy limits, regardless of who is at fault.
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Other types of car insurance coverage in North Carolina
Allstate also offers these types of coverages:
- Roadside assistance (e.g., towing, flat tires, jump-starts, lockouts)
- Insurance for rideshare drivers
- Insurance for electric cars/EVs
- Rental car reimbursement
Learn about these and other car insurance coverage types available.
How much does car insurance in North Carolina cost?
The price of your insurance will depend on the coverages, limits and deductibles that you select, as well as:
- 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 and get a free quote online to see how much car insurance would cost for you.
Can you use electronic proof of insurance in North Carolina?
Yes, you are allowed to show an electronic copy of your insurance card on your mobile device in North Carolina if you get stopped by the police.
You can use the Allstate® app for iPhone® and Android® to access your digital ID card.