Insurance in North Carolina
Compare car and home insurance rates from 40+ carriers in North Carolina. Average auto rate: $1,349/year. Minimum auto coverage: 30/60/25.
North Carolina has a rate bureau that helps keep auto premiums relatively low. Hurricane risk affects coastal home insurance.
Get Your Free North Carolina Quote$1,349
Avg. Auto Rate/Year
30/60/25
Auto Minimum Coverage
40+
Carriers Compared
2 min
Quote Time
North Carolina Insurance FAQ
What insurance do I need in North Carolina?
North Carolina requires minimum auto liability coverage of 30/60/25. For homeowners, coverage requirements depend on your mortgage lender, but most require dwelling and liability coverage. We recommend carrying higher limits than the minimum for better protection.
How much does car insurance cost in North Carolina?
The average cost of car insurance in North Carolina is $1,349 per year for full coverage. Your actual rate depends on your age, driving record, vehicle, location within North Carolina, and coverage levels.
How can I find affordable insurance in North Carolina?
Compare quotes from multiple carriers using Truvo — it's free and takes 2-3 minutes. Bundling car and home insurance often saves 10-25%. You can also save with a clean driving record, higher deductibles, and multi-policy discounts.
What factors affect insurance rates in North Carolina?
Key factors include your ZIP code within North Carolina, driving record, age, credit score, vehicle and home details, coverage level, and claims history. North Carolina has a rate bureau that helps keep auto premiums relatively low. Hurricane risk affects coastal home insurance.
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