Compare rates, find discounts, and get the coverage you need. Your complete resource for auto insurance in North Carolina.
Understand liability, comprehensive, collision, and uninsured motorist coverage.
Learn More →Multi-policy, safe driver, good student, and more ways to save on your premium.
View Discounts →Meet North Carolina's minimum coverage requirements and avoid penalties.
Check Requirements →Choose the right protection for your vehicle and financial security
Covers damage and injuries you cause to others. Required by NC law.
Protection against non-collision damage to your vehicle.
Covers damage to your car from accidents, regardless of fault.
Protects you when the at-fault driver has no insurance.
Most drivers qualify for multiple discounts - average savings of 25-40%
Stay legal and protected on NC roads
⚠️ Important: While these are the minimum requirements, consider higher limits to better protect your assets. Most accidents exceed minimum coverage limits.
Find out exactly how much coverage you need
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Quick answers to common auto insurance questions
Your rates are influenced by your driving record, age, location, vehicle type, credit score, coverage levels, and eligible discounts. Safe drivers with good credit typically enjoy lower rates.
A higher deductible lowers your premium but means more out-of-pocket costs if you file a claim. Consider your financial situation and driving habits when choosing.
Collision covers damage from accidents with other vehicles or objects. Comprehensive covers non-collision damage like theft, vandalism, weather, and animal strikes.
Yes, it's required in North Carolina. This coverage protects you when an uninsured or underinsured driver causes an accident, covering your medical bills and vehicle damage.
Bundle policies, maintain a clean driving record, improve your credit score, take a defensive driving course, and ask about all available discounts. Shopping around annually also helps.
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