Cheap Car Insurance in North Carolina
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North Carolina Car Insurance Minimums
North Carolina requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$50,000
Bodily Injury (per accident)
$100,000
Property Damage
$50,000
- Uninsured motorist bodily injury: $50,000/$100,000
- Underinsured motorist
- Uninsured motorist property damage: $50,000
At-fault (tort) state.
Source: N.C. Gen. Stat. § 20-279.21(b)(2)-(4); § 20-309, verified 2026-09-01.
What drives car insurance rates in North Carolina
Average spend per insured vehicle, 2023
$925
North Carolina drivers spent $925 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
75.6¢
Auto insurers in North Carolina paid 75.6 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
1.24
North Carolina recorded 1,619 traffic deaths in 2024, 1.24 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
203.6
North Carolina reported 22,802 motor vehicle thefts in 2025, 203.6 per 100,000 residents, from 254.1 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#6
FEMA ranks North Carolina #6 of 51 for expected annual loss from natural hazards; flood accounts for 47% of that loss, and comprehensive coverage is what pays for flood damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in North Carolina
The ten insurer groups that wrote the most auto premium in North Carolina in 2025, with their share of the state total of $10.0 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | Allstate Insurance Group | 20.36% | $2.0 billion |
| 2 | Progressive Group | 15.49% | $1.5 billion |
| 3 | State Farm Group | 14.64% | $1.5 billion |
| 4 | Berkshire Hathaway Group | 10.43% | $1.0 billion |
| 5 | North Carolina Farm Bureau Group | 10.41% | $1.0 billion |
| 6 | United Services Automobile Association Group | 8.03% | $801 million |
| 7 | Erie Insurance Group | 4.46% | $445 million |
| 8 | Nationwide Corp Group | 4.28% | $427 million |
| 9 | Liberty Mutual Group | 2.19% | $218 million |
| 10 | Auto Owners Group | 2.04% | $203 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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