Enter your ZIP code:

North Carolina Car Insurance

With an increasingly competitive market for car insurance, finding the right North Carolina car insurance policy can seem overwhelming.

That's why InsureMe is here to cut to the chase — giving you the answers you want and the affordable North Carolina car insurance quotes you need.


Understanding North Carolina Car Insurance

What will North Carolina car insurance do for me?

A North Carolina car insurance policy will protect you from financial loss in the event of an accident. Your car insurance policy is an agreement between you and your company which affirms that in exchange for paying the premiums, the insurance company will cover any losses — as outlined in your policy.

Can I drive without North Carolina car insurance?

No. Under North Carolina's Financial Responsibility Law, all motorists are required to carry liability coverage.

What is liability coverage?

Liability coverage is a facet of your North Carolina car insurance policy which protects you against bodily injury and property damage for which you are responsible.

How much liability coverage do I need?

The minimum requirements for liability coverage in North Carolina are as follows:

  • $30,000 in bodily injury coverage per person.
  • $60,000 in total bodily injury coverage for all persons involved in an accident.
  • $25,000 in coverage for property damage.

Am I required to carry protection against uninsured motorists?

Uninsured motorist protection is not mandatory; however your agent must offer it to you. If you do not wish to purchase this coverage, you will need to reject it in writing.

Who is covered under my North Carolina car insurance policy?

The Personal Automobile Policy will cover you, your family members or any other person driving the insured car with your permission.

What determines the rates for my North Carolina car insurance?

Your North Carolina car insurance rates are determined by the following:

  • Your driving record
  • Where you live
  • Type of car you drive
  • The average amount of mileage incurred annually

Your driving record is the number one factor in determining the rates for your North Carolina car insurance policy.

North Carolina's Safe Driver Incentive Plan (SDIF) was enacted by the General Assembly to reward good drivers. The SDIF charges points to motorists for convictions and at-fault accidents. Just one point on your driving record can increase your premiums by 25 percent.

More Money Saving Tips for North Carolina Car Insurance:

  • Ask about discounts — insurance companies usually offer discounts for safe drivers, mature drivers, and good student drivers.
  • Increase your deductible.
  • Check on special prices for group policies.
  • Do your homework — before you purchase your North Carolina car insurance you will want to verify whether your agent is licensed. Contact the North Carolina Department of Insurance at 1-800-546-5664 to ensure that your agent is legit.

While these tips can put money back in your pocket, the number one way to save on North Carolina car insurance is to shop around.

Get Started Today!

Don't wait for that unexpected fender bender. Find affordable North Carolina car insurance today.


Free Car Insurance Quotes!  
Free Home Insurance Quotes!   
Free Health Insurance Quotes!   
Free Life Insurance Quotes!   

List of Articles
No. Subject Author Views
102 Wyoming Car Insurance youcomparequotes 10874
101 Wyoming Auto Insurance youcomparequotes 10772
100 Wisconsin Car Insurance youcomparequotes 10396
99 Wisconsin Auto Insurance youcomparequotes 10481
98 West Virginia Car Insurance youcomparequotes 11397
97 West Virgina Auto Insurance youcomparequotes 10344
96 Washington, D.C. Car Insurance youcomparequotes 11997
95 Washington, D.C. Auto Insurance youcomparequotes 11027
94 Washington Car Insurance Quotes youcomparequotes 11508
93 Washington Auto Insurance Quotes youcomparequotes 11172
92 Virginia Car Insurance youcomparequotes 10839
91 Virginia Auto Insurance Quotes youcomparequotes 10853
90 Vermont Car Insurance youcomparequotes 13085
89 Vermont Auto Insurance youcomparequotes 10125
88 Utah Car Insurance youcomparequotes 10783
87 Utah Auto Insurance youcomparequotes 10591
86 Texas Car Insurance Quotes youcomparequotes 10813
85 Texas Auto Insurance Quotes youcomparequotes 10810
84 Tennessee Car Insurance youcomparequotes 10418
83 Tennessee Auto Insurance youcomparequotes 11001
82 South Dakota Car Insurance youcomparequotes 10663
81 South Dakota Auto Insurance youcomparequotes 9939
80 South Carolina Car Insurance youcomparequotes 10858
79 South Carolina Auto Insurance youcomparequotes 10735
78 Rhode Island Car Insurance youcomparequotes 10211
77 Rhode Island Auto Insurance youcomparequotes 10584
76 Pennsylvania Car Insurance Quotes youcomparequotes 10913
75 Pennsylvania Auto Insurance Quotes youcomparequotes 11409
74 Oregon Car Insurance Quotes youcomparequotes 11069
73 Oregon Auto Insurance Quotes youcomparequotes 10724
72 Oklahoma Car Insurance youcomparequotes 10771
71 Oklahoma Auto Insurance youcomparequotes 10741
70 Ohio Car Insurance Quotes youcomparequotes 10472
69 Ohio Auto Insurance Quotes youcomparequotes 10399
68 North Dakota Car Insurance youcomparequotes 10480
67 North Dakota Auto Insurance youcomparequotes 10876
» North Carolina Car Insurance youcomparequotes 14179
65 North Carolina Auto Insurance youcomparequotes 11163
64 New York Car Insurance Quotes youcomparequotes 10398
63 New York Auto Insurance Quotes youcomparequotes 11366
62 New Mexico Car Insurance youcomparequotes 9854
61 New Mexico Auto Insurance youcomparequotes 9973
60 New Jersey Car Insurance youcomparequotes 10202
59 New Jersey Auto Insurance youcomparequotes 10341
58 New Hampshire Car Insurance youcomparequotes 11251
57 New Hampshire Auto Insurance youcomparequotes 10866
56 Nevada Car Insurance youcomparequotes 10576
55 Nevada Auto Insurance youcomparequotes 10609
54 Nebraska Car Insurance youcomparequotes 10263
53 Nebraska Auto Insurance youcomparequotes 11231
52 Montana Car Insurance youcomparequotes 10288
51 Montana Auto Insurance youcomparequotes 10437
50 Missouri Car Insurance youcomparequotes 10595
49 Missouri Auto Insurance youcomparequotes 10493
48 Mississippi Car Insurance youcomparequotes 10905
47 Mississippi Auto Insurance youcomparequotes 10808
46 Minnesota Car Insurance Quotes youcomparequotes 11041
45 Minnesota Auto Insurance Quotes and Information youcomparequotes 11145
44 Michigan Car Insurance youcomparequotes 10229
43 Michigan Auto Insurance youcomparequotes 9959
42 Massachusetts Works to Install Competitive Auto Insurance Market youcomparequotes 17264
41 Massachusetts Auto Insurance Reform youcomparequotes 11046
40 Maryland Car Insurance youcomparequotes 11250
39 Maryland Auto Insurance youcomparequotes 11267
38 Maine Auto Insurance youcomparequotes 10920
37 Louisiana Car Insurance youcomparequotes 11213
36 Louisiana Auto Insurance youcomparequotes 10568
35 Kentucky Car Insurance youcomparequotes 10669
34 Kentucky Auto Insurance youcomparequotes 10386
33 Kansas Car Insurance youcomparequotes 10210
32 Kansas Auto Insurance youcomparequotes 10640
31 Iowa Car Insurance youcomparequotes 10502
30 Iowa Auto Insurance youcomparequotes 10516
29 Indiana Car Insurance youcomparequotes 10472
28 Indiana Auto Insurance youcomparequotes 10437
27 Illinois Car Insurance youcomparequotes 10454
26 Illinois Auto Insurance youcomparequotes 10100
25 Idaho Car Insurance youcomparequotes 10323
24 Idaho Auto Insurance youcomparequotes 10408
23 Hawaii Car Insurance youcomparequotes 10755
22 Hawaii Auto Insurance youcomparequotes 10842
21 Georgia Car Insurance youcomparequotes 10062
20 Georgia Auto Insurance Quotes youcomparequotes 10956
19 Florida Car Insurance Quotes youcomparequotes 12453
18 Florida Auto Insurance Quotes youcomparequotes 10397
17 Find Maine Car Insurance youcomparequotes 10364
16 Delaware Car Insurance youcomparequotes 10655
15 Delaware Auto Insurance youcomparequotes 10533
14 Connecticut Car Insurance youcomparequotes 10450
13 Connecticut Auto Insurance youcomparequotes 10274
12 Colorado Car Insurance Quotes youcomparequotes 10461
11 Colorado Auto Insurance youcomparequotes 10014
10 California Car Insurance Quotes youcomparequotes 10957
9 California Auto Insurance Quotes youcomparequotes 11098
8 Arkansas Car Insurance youcomparequotes 11144
7 Arkansas Auto Insurance youcomparequotes 10634
6 Arizona Car Insurance Quotes youcomparequotes 10588
5 Arizona Auto Insurance youcomparequotes 11023
4 Alaska Car Insurance youcomparequotes 10767
3 Alaska Auto Insurance youcomparequotes 11561
2 Alabama Car Insurance youcomparequotes 10242
1 Alabama Auto Insurance youcomparequotes 10757
XE Login