Car Insurance in North Carolina

North Carolina drivers typically pay less than the national average. However, that could change after July 2025.
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Car Insurance in North Carolina

Auto insurance in North Carolina

Jerry’s data shows that North Carolina drivers typically paid $178.36 while the average American driver paid $248.42.

While North Carolina drivers typically pay lower than the national average, that may change with the increase in the state-mandated minimums that came into effect July 1, 2025, which requires:

  • $50,000 in bodily injury liability per person.
  • $100,000 in bodily injury liability per accident.
  • $50,000 in property damage liability.
  • $50,000 in uninsured and underinsured motorist bodily injury coverage per person.
  • $100,000 in uninsured and underinsured motorist bodily injury coverage per accident.
  • $50,000 in uninsured motorist property damage coverage per person.

State-mandated minimum coverage may be the most affordable car insurance policy, but it may not be the right coverage for you. Unlike liability-only insurance, a full coverage policy includes coverage for your vehicle, regardless of fault, and provides protection in the case of a natural disaster, theft or vandalism. Compare multiple car insurance quotes to see raising and lowering your limits and adding optional coverages affects your rate.

Car insurance by city in North Carolina (July 2025)
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Check out recent quotes Jerry customers have gotten for car insurance in North Carolina.

Date of Policy
Insurance Company
Monthly Quote
June 29, 2025 Dairyland $399
June 29, 2025 Safeco $98
June 29, 2025 Progressive $488
June 29, 2025 Dairyland $250
June 29, 2025 Progressive $122
Last Updated Jul 1, 2025
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Annie Millerbernd, Jun 24, 2025