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North Carolina Car Insurance

LEARN ABOUT YOUR STATE'S CAR INSURANCE LAWS

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.

When it comes to auto insurance, just like its landmarks, cuisine and culture, every state is different. See what coverage and coverage limits North Carolina requires in the table below. These requirements are just a starting point – you may want to purchase additional car insurance or increase your coverage limits.

Contact a North Carolina Allstate agent to better understand the different types of coverage in your area.

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State Map

Auto insurance requirements are based on your location. You're looking at auto requirements in North Carolina. Pick a new state to see its laws:

Coverage Type
North Carolina 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.
$30,000 limit per person/$60,000 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.
$25,000 limit
Uninsured Motorist
Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have any insurance.
Bodily injury: $30,000 limit per person/$60,000 limit per accident
Property damage: $25,000 limit
Underinsured Motorist
Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have enough liability insurance.
Offered with uninsured motorist coverage
Medical Payments
If you and/or your passengers are hurt in an accident, this helps cover medical or funeral expenses.
Not required
Collision
Helps cover expenses to repair or replace your vehicle that's been damaged in an accident.
Not required1
Comprehensive
Helps cover expenses to repair or replace your vehicle that's been stolen or damaged by things like storms or vandalism
Not required1


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.

Related Resources

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.

Subject to terms, conditions, and availability. In most states, prices vary based on how you buy. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company, Allstate Fire and Casualty Ins. Co. & affiliates; Northbrook, IL. © 2021 Allstate Insurance Company

Many factors go into the cost of your auto insurance policy, including how you purchase the policy: online, through a call center, or with an agent.

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