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 10769
101 Wyoming Auto Insurance youcomparequotes 10668
100 Wisconsin Car Insurance youcomparequotes 10285
99 Wisconsin Auto Insurance youcomparequotes 10371
98 West Virginia Car Insurance youcomparequotes 11290
97 West Virgina Auto Insurance youcomparequotes 10234
96 Washington, D.C. Car Insurance youcomparequotes 11821
95 Washington, D.C. Auto Insurance youcomparequotes 10918
94 Washington Car Insurance Quotes youcomparequotes 11400
93 Washington Auto Insurance Quotes youcomparequotes 11068
92 Virginia Car Insurance youcomparequotes 10725
91 Virginia Auto Insurance Quotes youcomparequotes 10746
90 Vermont Car Insurance youcomparequotes 12963
89 Vermont Auto Insurance youcomparequotes 10016
88 Utah Car Insurance youcomparequotes 10677
87 Utah Auto Insurance youcomparequotes 10490
86 Texas Car Insurance Quotes youcomparequotes 10728
85 Texas Auto Insurance Quotes youcomparequotes 10725
84 Tennessee Car Insurance youcomparequotes 10172
83 Tennessee Auto Insurance youcomparequotes 10955
82 South Dakota Car Insurance youcomparequotes 10621
81 South Dakota Auto Insurance youcomparequotes 9896
80 South Carolina Car Insurance youcomparequotes 10815
79 South Carolina Auto Insurance youcomparequotes 10692
78 Rhode Island Car Insurance youcomparequotes 10169
77 Rhode Island Auto Insurance youcomparequotes 10540
76 Pennsylvania Car Insurance Quotes youcomparequotes 10871
75 Pennsylvania Auto Insurance Quotes youcomparequotes 11350
74 Oregon Car Insurance Quotes youcomparequotes 11027
73 Oregon Auto Insurance Quotes youcomparequotes 10682
72 Oklahoma Car Insurance youcomparequotes 10717
71 Oklahoma Auto Insurance youcomparequotes 10603
70 Ohio Car Insurance Quotes youcomparequotes 10330
69 Ohio Auto Insurance Quotes youcomparequotes 10355
68 North Dakota Car Insurance youcomparequotes 10438
67 North Dakota Auto Insurance youcomparequotes 10834
» North Carolina Car Insurance youcomparequotes 14122
65 North Carolina Auto Insurance youcomparequotes 11115
64 New York Car Insurance Quotes youcomparequotes 10355
63 New York Auto Insurance Quotes youcomparequotes 11197
62 New Mexico Car Insurance youcomparequotes 9812
61 New Mexico Auto Insurance youcomparequotes 9931
60 New Jersey Car Insurance youcomparequotes 10160
59 New Jersey Auto Insurance youcomparequotes 10299
58 New Hampshire Car Insurance youcomparequotes 11194
57 New Hampshire Auto Insurance youcomparequotes 10823
56 Nevada Car Insurance youcomparequotes 10533
55 Nevada Auto Insurance youcomparequotes 10565
54 Nebraska Car Insurance youcomparequotes 10210
53 Nebraska Auto Insurance youcomparequotes 11115
52 Montana Car Insurance youcomparequotes 10235
51 Montana Auto Insurance youcomparequotes 10393
50 Missouri Car Insurance youcomparequotes 10553
49 Missouri Auto Insurance youcomparequotes 10451
48 Mississippi Car Insurance youcomparequotes 10861
47 Mississippi Auto Insurance youcomparequotes 10482
46 Minnesota Car Insurance Quotes youcomparequotes 10998
45 Minnesota Auto Insurance Quotes and Information youcomparequotes 11094
44 Michigan Car Insurance youcomparequotes 10187
43 Michigan Auto Insurance youcomparequotes 9917
42 Massachusetts Works to Install Competitive Auto Insurance Market youcomparequotes 17132
41 Massachusetts Auto Insurance Reform youcomparequotes 11004
40 Maryland Car Insurance youcomparequotes 11194
39 Maryland Auto Insurance youcomparequotes 11213
38 Maine Auto Insurance youcomparequotes 10878
37 Louisiana Car Insurance youcomparequotes 11072
36 Louisiana Auto Insurance youcomparequotes 10526
35 Kentucky Car Insurance youcomparequotes 10586
34 Kentucky Auto Insurance youcomparequotes 10338
33 Kansas Car Insurance youcomparequotes 10167
32 Kansas Auto Insurance youcomparequotes 10596
31 Iowa Car Insurance youcomparequotes 10386
30 Iowa Auto Insurance youcomparequotes 10337
29 Indiana Car Insurance youcomparequotes 10429
28 Indiana Auto Insurance youcomparequotes 10394
27 Illinois Car Insurance youcomparequotes 10411
26 Illinois Auto Insurance youcomparequotes 10058
25 Idaho Car Insurance youcomparequotes 10280
24 Idaho Auto Insurance youcomparequotes 10366
23 Hawaii Car Insurance youcomparequotes 10713
22 Hawaii Auto Insurance youcomparequotes 10800
21 Georgia Car Insurance youcomparequotes 10019
20 Georgia Auto Insurance Quotes youcomparequotes 10914
19 Florida Car Insurance Quotes youcomparequotes 11650
18 Florida Auto Insurance Quotes youcomparequotes 10354
17 Find Maine Car Insurance youcomparequotes 10322
16 Delaware Car Insurance youcomparequotes 10593
15 Delaware Auto Insurance youcomparequotes 10490
14 Connecticut Car Insurance youcomparequotes 10407
13 Connecticut Auto Insurance youcomparequotes 10166
12 Colorado Car Insurance Quotes youcomparequotes 10419
11 Colorado Auto Insurance youcomparequotes 9971
10 California Car Insurance Quotes youcomparequotes 10913
9 California Auto Insurance Quotes youcomparequotes 11051
8 Arkansas Car Insurance youcomparequotes 10357
7 Arkansas Auto Insurance youcomparequotes 10591
6 Arizona Car Insurance Quotes youcomparequotes 10546
5 Arizona Auto Insurance youcomparequotes 10979
4 Alaska Car Insurance youcomparequotes 10586
3 Alaska Auto Insurance youcomparequotes 11510
2 Alabama Car Insurance youcomparequotes 10198
1 Alabama Auto Insurance youcomparequotes 10741
XE Login