Auto Insurance Basics

Who Has the Cheapest Auto Insurance Quotes in North Carolina?

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We analyzed auto insurance quotes for two sample drivers as a benchmark, and compared their costs in 80+ cities in the Tar Heel State. The analysis found that the average premium for our profiled drivers is $807 per year - the cheapest car insurance company in North Carolina cost nearly half as much as the most expensive company. For this reason, it's in consumers' best interests to get at least three quotes to make sure they're getting good rates for themselves. Enter your zip above to see which insurers are active in your neighborhood, or for more information, read below:

Cheapest Car Insurance Companies in North Carolina

To determine which providers which had the best car insurance rates in North Carolina, we compared quotes from 11 insurers for our male sample drivers across 112 cities. Below is a graph of the most affordable car insurance companies in North Carolina based on the results of our research and analysis, which were based on a motorist with a great driving records and full coverage. Your quotes will be different, and customized according to your car, address, driving history, and coverage amounts.

In this graph, we show the five companies out of the 11 in our study that had the cheapest car insurance rates for our driver in North Carolina

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Auto Owners, Allied, North Carolina Farm Bureau, Penn National, and Erie had the best rate when it came to insuring our driver's Toyota. These five companies average a premium of $680 for our sample drivers - that's a a 16% difference from the state mean. All these companies are national insurers, with the exception of North Carolina Farm Bureau. The Farm Bureau is an organization that requires membership and annual dues in order to be eligible for their auto insurance products. You don't have to be involved in the farming community to sign up, and member dues are $25 statewide in North Carolina.

Most Expensive Car Insurers in North Carolina

The three most expensive insurers were Allstate, Nationwide, and MetLife, based on our analysis. With an average annual rate of $989, the three national insurance companies cost about 23% more than the 11-company composite average from the study. Compared to the cheapest three, Allstate, Nationwide, and MetLife were roughly $346 more expensive each year for our two drivers' basic liability insurance policies.

For the full list of insurers, see below, where they're ranked from most affordable to most expensive. Rates are based on the average of our two drivers, who haven't had any traffic violations or accidents in the past five years. Based on your experience as a driver, and the types and amounts of coverage you choose on your auto insurance policy among other factors, your quotes will differ.

RankAuto Insurance CompanyAverage Annual Rates
1Auto Owners$520
2Allied$696
3North Carolina Farm Bureau*$713
4Penn National$725
5Erie$746
6Titan$772
7State Farm$790
8Unitrin$950
9MetLife$982
10Natonwide$986
11Allstate$998

*Requires $25 membership dues

Cheapest Car Insurance Companies in North Carolina: by City

Below is a table with the three companies with the lowest auto insurance rates for ten of the biggest cities in the state. This will help motorists see a local view of who has the cheapest rates in their hometown. However, these rates are for our single male sample driver, so it is important to remember that your rates will differ based on your vehicle, driving record, and other factors. Auto-Owners, Allied, and North Carolina Farm Bureau dominated as the top three cheapest car insurance companies across the 112 cities we surveyed.

CityAuto Insurance CompanyAverge Annual Rates
AhoskieAuto Owners$528
Allied$696
North Carolina Farm Bureau*$732
AlbemarleAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
AndrewsAuto Owners$492
Allied$684
North Carolina Farm Bureau*$696
AsheboroAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
AshevilleAuto Owners$468
North Carolina Farm Bureau*$636
Penn National$648
Black MountainAuto Owners$492
North Carolina Farm Bureau*$672
Penn National$684
BooneAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
Bryson CityAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
BurgawAuto Owners$528
Allied$696
North Carolina Farm Bureau*$732
BurlingtonAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
Carolina BeachAuto Owners$564
Allied$696
Titan$732
CaryAuto Owners$528
Allied$696
Titan$696
CashiersAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
CaryAuto Owners$528
Allied$696
Titan$732
CharlotteAuto Owners$588
Allied$684
Penn National$720
ClaytonAuto Owners$588
Allied$696
North Carolina Farm Bureau*$804
ClintonAuto Owners$528
Allied$696
North Carolina Farm Bureau*$732
ConcordAuto Owners$492
North Carolina Farm Bureau*$672
Penn National$684
CreedmoorAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
DentonAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
DenverAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
DunnAuto Owners$588
Allied$696
North Carolina Farm Bureau*$804
DurhamAuto Owners$576
Allied$696
Penn National$732
EdenAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
Elizabeth CityAuto Owners$528
Allied$696
North Carolina Farm Bureau*$732
ElizabethtownAuto Owners$528
Allied$696
North Carolina Farm Bureau*$732
ElkinAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
FayettevilleAuto Owners$636
Allied$696
North Carolina Farm Bureau*$864
Forest CityAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
FranklinAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
FremontAuto Owners$516
Allied$696
Titan$708
GastoniaAuto Owners$552
Allied$696
Titan$732
GoldsboroAuto Owners$516
Allied$696
Titan$708
GreensboroAuto Owners$492
North Carolina Farm Bureau*$672
Penn National$684
GreenvilleAuto Owners$588
Allied$696
North Carolina Farm Bureau*$720
HampsteadAuto Owners$528
Allied$696
North Carolina Farm Bureau*$732
HavelockAuto Owners$552
Titan$672
North Carolina Farm Bureau*$684
HendersonAuto Owners$528
Allied$696
North Carolina Farm Bureau*$732
HendersonvilleAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
HickoryAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
High PointAuto Owners$552
Allied$696
North Carolina Farm Bureau*$720
HighlandsAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
HillsboroughAuto Owners$492
Titan$660
North Carolina Farm Bureau*$684
HuntersvilleAuto Owners$504
Allied$696
Penn National$720
JacksonvilleAuto Owners$588
Allied$696
North Carolina Farm Bureau*$768
JamestownAuto Owners$552
Allied$696
North Carolina Farm Bureau*$732
KannapolisAuto Owners$492
Allied$696
North Carolina Farm Bureau*$672
KenlyAuto Owners$588
Allied$696
North Carolina Farm Bureau*$804
KingAuto Owners$492
North Carolina Farm Bureau*$672
Penn National$684
KinstonAuto Owners$588
Titan$684
Allied$696
LaurinburgAuto Owners$600
Allied$696
North Carolina Farm Bureau*$804
LenoirAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
LexingtonAuto Owners$492
North Carolina Farm Bureau*$672
Penn National$684
LincolntonAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
LocustAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
LouisburgAuto Owners$528
Allied$696
North Carolina Farm Bureau*$732
LumbertonAuto Owners$600
Allied$696
North Carolina Farm Bureau*$804
MarionAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
MebaneAuto Owners$492
North Carolina Farm Bureau*$672
Penn National$684
MocksvilleAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
MonroeAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
MooresvilleAuto Owners$504
North Carolina Farm Bureau*$672
Penn National$684
Morehead CityAuto Owners$528
Allied$696
North Carolina Farm Bureau*$732
MorgantonAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
Mount AiryAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
Mount OliveAuto Owners$528
Allied$696
North Carolina Farm Bureau*$732
MurphyAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
Nags HeadAuto Owners$528
Allied$696
North Carolina Farm Bureau*$732
New BernAuto Owners$516
Titan$672
North Carolina Farm Bureau*$684
NewtonAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
North WilkesboroAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
OrientalAuto Owners$528
Allied$696
North Carolina Farm Bureau*$732
PrincetonAuto Owners$588
North Carolina Farm Bureau*$684
Allied$696
RaefordAuto Owners$600
Allied$696
North Carolina Farm Bureau*$804
RaleighAuto Owners$528
Allied$696
Penn National$696
ReidsvilleAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
Roanoke RapidsAuto Owners$528
Allied$696
North Carolina Farm Bureau*$732
RobbinsvilleAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
RockinghamAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
Rocky MountAuto Owners$528
Allied$696
North Carolina Farm Bureau*$732
RoxboroAuto Owners$528
Allied$696
North Carolina Farm Bureau*$732
RutherfordtonAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
SalisburyAuto Owners$492
North Carolina Farm Bureau*$684
Penn National$684
SanfordAuto Owners$588
Allied$696
North Carolina Farm Bureau*$804
ShallotteAuto Owners$588
Allied$696
North Carolina Farm Bureau*$804
ShelbyAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
Siler CityAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
SmithfieldAuto Owners$588
Allied$696
North Carolina Farm Bureau*$804
Southern PinesAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
SouthportAuto Owners$588
Allied$696
North Carolina Farm Bureau*$804
SpartaAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
Spruce PineAuto Owners$492
State Farm$624
North Carolina Farm Bureau*$684
StatesvilleAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
SwansboroAuto Owners$528
Allied$696
North Carolina Farm Bureau*$732
SylvaAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
TaylorsvilleAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
ThomasvilleAuto Owners$492
North Carolina Farm Bureau*$672
Allied$696
TroyAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
TryonAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
WadesboroAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
Wake ForestAuto Owners$528
Allied$696
Titan$696
WarrentonAuto Owners$528
Allied$684
North Carolina Farm Bureau*$732
WashingtonAuto Owners$528
Allied$696
Titan$708
WaynesvilleAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
West JeffersonAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
WhitevilleAuto Owners$600
Allied$696
North Carolina Farm Bureau*$804
WilmingtonAuto Owners$564
Allied$696
Titan$732
WilsonAuto Owners$528
Allied$696
North Carolina Farm Bureau*$720
Winston SalemAuto Owners$492
North Carolina Farm Bureau*$672
Penn National$684
Wrightsville BeachAuto Owners$564
Allied$696
Titan$732
YadkinvilleAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
YanceyvilleAuto Owners$492
North Carolina Farm Bureau*$684
Allied$696
ZebulonAuto Owners$528
Allied$696
Titan$696

*Requires $25 membership fee

Best Rated Auto Insurers in North Carolina

To decide which companies were the best rated, we decided to take a look at which ones received the least complaints relative to their business size. Using data from the North Carolina Department of Insurance, we calculated a complaint index that compares the number of complaints to the number premiums in dollars. Below is a table ranking the insurance companies in North Carolina by the lowest index numbers (best) to highest (worst) complaint index. If the index is less than one, the insurer is better than the average, and if it is greater than one, it is worse than the average. For example, if the company’s complaint ratio is 1.15, the company has a 15% higher share of complaints compared to its market share. 

Company # of Complaints Premiums Underwritten Complaint Index
Fireman's Fund 0 $2,873,903 0.00
Cincinnati Insurance Company 6 16,376,699 0.48
Amica 8 20,596,149 0.51
Penn National Insurance 9 21,500,866 0.55
Erie Insurance 39 86,441,714 0.59
North Carolina Farm Bureau 132 270,989,501 0.64
USAA 95 183,001,580 0.68
Travelers 26 48,595,837 0.70
Utica National Insurance 2 3,617,775 0.73
Victoria Insurance 2 3,572,156 0.74
Ameriprise 2 3,535,933 0.74
Nationwide 241 424,614,834 0.75
Kemper 22 38,359,488 0.75
State Auto 6 10,232,022 0.77
Main Street America Insurance 2 3,382,295 0.78
Central Mutual 10 15,982,194 0.82
State Farm 236 374,130,757 0.83
QBENA 2 2,839,823 0.93
Encompass 3 4,258,215 0.93
Auto-Owners 23 31,125,197 0.97
Horace Mann 12 15,719,994 1.00
Progressive 93 115,704,198 1.06
Southern General Insurance Company 5 6,091,468 1.08
Allied 5 5,710,059 1.15
MetLife 26 29,679,854 1.15
GEICO 202 225,545,212 1.18
Allstate 226 239,799,596 1.24
National General 202 198,873,809 1.34
21st Century 8 7,593,516 1.39
Liberty Mutual 116 88,469,664 1.73
Universal Group 28 20,159,784 1.83
Sentry 45 30,275,564 1.96
Titan 15 9,912,218 1.99
Hartford 46 27,939,545 2.17
Discovery Insurance 30 17,439,812 2.26
Greenville Casualty Insurance Company 11 4,199,939 3.45
State National Companies Inc. 30 10,874,098 3.63
Safeco 12 4,321,822

3.65

Places with the Cheapest Auto Insurance in North Carolina

Our three most affordable cities had an average premium of $745, an 8% decrease overall compared to the state average. Most of the cheapest cities profiled in our study were clustered in the western half of the state in the Piedmont region. Populations ranged from 7,000 to over 83,500 for these places.

Asheville, NC

This graph lists the five most affordable car insurance companies in Asheville and compares their rates to the city wide average.

Asheville takes the top spot on our list of the cheapest auto insurance rates in North Carolina with an average annual rate of $725, which make it 10% more affordable than the rest of the state. We suggest drivers in Asheville consider obtaining quotes from Auto Owners, North Carolina Farm Bureau, Penn National, Titan, and Erie. As our top five most affordable companies, we found their average annual rate to be $622, a 14% reduction from the city wide average. Keep in mind North Carolina Farm Bureau requires a $25 membership fee and is open to people of non-farming professions as well. Numbering over 83,000 in residents, Asheville is home to the largest private residence in America, the Biltmore Estate, as well as the United States National Climatic Data Center, the world’s largest active archive of weather data. It has garnered recognition for an assortment of titles from “Beer City USA” to “Happiest City for Women”, to which we add the "Best City in North Carolina for Auto Insurance"!

Mebane, NC

This graph lists who the 5 most inexpensive auto insurance companies in Mebane are, and contrasts their annual quotes to the citywide average.

Mebane, named after the Revolutionary War general and U.S. Congressman Alexander Mebane Jr, was originally called Mebanesville. The city is home to 11,300 residents, who are split between Alamance County and Orange County. It also takes the spot of the city with the 2nd best rates for car insurance in North Carolina. Rates here are 6% cheaper compared to the typical city in the Tar Heel State, with our sample drivers seeing average costs of $755 per year. For even more savings on auto insurance, we suggest comparison shopping at Auto Owners, North Carolina Farm Bureau, Penn National, Allied, and Erie. We found the top five most affordable companies to have average annual quotes of $650, which is 13% less than what the typical Mebane driver pays. Keep in mind that North Carolina Farm Bureau has a $25 membership fee, but all individuals, regardless of profession, are welcome to be members.

Winston-Salem, NC

This graph shows the five lowest cost auto insurers in Winston-Salem out of the 11 we analyzed quotes from.

Winston-Salem, the county seat of Forsyth County, tied with Mebane for the 2nd best car insurance rates in the state. Our profiled drivers pay about $755 for a year's worth of full coverage. We found the best rates to be at Auto Owners, North Carolina Farm Bureau, Penn National, Allied, and Erie for Winston Salem. With an average annual rate of $650 between the five companies, this means drivers covered under these five auto insurers typically save 13% when compared to the usual Winston-Salem Driver.  Perhaps most well-known for successful business ventures, Winston-Salem is the birthplace of many companies, such as Krispy Kreme, Camel Cigarettes, and Hanesbrands. It is the fourth largest city in North Carolina and is called the “Twin City” and “City of the Arts and Innovation” for its dual focus on fine arts and technological research. 

Places with the Most Expensive Car Insurance in North Carolina

In aggregate, our three most expensive cities in North Carolina ranked with a cost of car insurance that was 17% greater than the state mean. The average annual premium for these three cities was $946, which, while expensive relatively speaking in the state, actually fell on the cheaper side compared to other states the team has analyzed. These locations ranged vastly in size from populations of less than 5,000 to over 203,000.

Fayetteville, NC

This graph shows which companies ranked with the lowest car insurance rates in Fayetteville, with the 11-company citywide average as a baseline.

Fayetteville is our #1 Most Expensive City in North Carolina, with an average annual cost of $977 when it comes to insuring an automobile - that's 21% more for our sample drivers than the typical NC city. Fayetteville is a fast-growing city with a population of over 203,000 residents, which makes it the sixth largest city in North Carolina. It was almost the capital of North Carolina (lost by one vote!), and was named after the Marquis de Lafayette when he visited in 1825. The Marquis toured the 24 state union in a carriage, which can be found in the Fayetteville Independent Light Infantry Amory & Museum. We suggest Fayetteville drivers save on auto insurance by looking into Auto Owners, Allied, North Carolina Farm Bureau, Erie, and Penn National. We found rates across these five companies to be $792, which is 21% less than what drivers across Fayetteville usually pay. One thing to remember is that North Carolina Farm Bureau has a $25 membership fee but its low rates on auto insurance make joining worthwhile.

Whiteville, NC

In this bar chart are the names of the five companies we got the most affordable car insurance quotes from in Whiteville for our sample male driver.

Second on our list of the most expensive places in North Carolina for auto insurance is Whiteville, NC. Originally named White’s Crossing, Whiteville is one of the oldest towns in Columbus County. Local educational institutions have a large presence here, with four community colleges that can be found in and around Whiteville. When it comes to car insurance, our benchmark drivers saw an average quote of $936 a year for full coverage, making the city 16% more expensive than the state wide average. To save money on car insurers we suggest drivers get quotes from Auto Owners, Allied, North Carolina Farm Bureau, Penn National, and Erie. Average quotes amongst these five companies were $754, which is equivalent to a 19% savings from the city wide average. Bear in mind that North Carolina Farm Bureau requires a $25 annual membership fee. All individuals can apply, regardless of their professions.

Raeford, NC

This column graph shows which carriers charged our sample driver the five lowest auto insurance costs in Raeford, NC.

At $926 per year, Raeford ranks third on our most expensive cities list for car insurance with an average cost 15% higher than the state average. Fortunately, drivers have opportunities to save on car insurance by considering insuring with Auto Owners, Allied, North Carolina Farm Bureau, Penn National, and Erie. As our top five most affordable insurers, we found rates at these companies to average $754, a value that is 19% less than the city wide rate for car insurance. North Carolina Farm Bureau has a $25 membership fee and is open to all Raeford residents - regardless of profession. The city is located in Hoke County with a square footage of 4 miles and a population of over 4,000. This small city was named after John McRae and A.A. Williford, two of the earlier settlers at the time. Car racing enthusiasts will find the the Rockfish Speedway in Raeford, where go-karts races are held.  

Average Cost of Car Insurance in North Carolina: by City

112 locations in the Tar Heel state - from Ahoskie to Zebulon - were covered, and included places in all three regions: the Blue Ridge Mountain region through Piedmont and the Coastal Plain. Annual costs for these places spanned from $725 in Asheville, the lowest rates in our North Carolina study, to $977 in Fayetteville. Depending on where our North Carolinians sample drivers lived, auto insurance rates can vary by 26% from the most expensive to the cheapest in the set.

This graph shows the average quote our sample drivers saw for insuring their cars in various cities in NC.

For your reference, listed in the below table are the 112 locations surveyed in the state study. Places are presented alphabetically, from Ahoskie to Zebulon. The first column indicates how each location placed when ranked from cheapest to most expensive.

RankCityAverage Annual RatesChange vs. State Average
93Ahoskie$8404%
32Albemarle$776-4%
11Andrews$768-5%
33Asheboro$776-4%
1Asheville$725-10%
4Black Mountain$759-6%
26Boone$772-4%
12Bryson City$768-5%
88Burgaw$8374%
27Burlington$773-4%
85Carolina Beach$8364%
57Cary$787-3%
13Cashiers$768-5%
98Charlotte$8515%
102Clayton$90212%
89Clinton$8374%
7Concord$763-6%
70Creedmoor$8040%
34Denton$776-4%
40Denver$777-4%
106Dunn$90812%
94Durham$8414%
42Eden$778-4%
82Elizabeth City$8313%
97Elizabethtown$8445%
47Elkin$779-3%
112Fayetteville$97721%
28Forest City$773-4%
14Franklin$768-5%
72Fremont$8131%
96Gastonia$8424%
71Goldsboro$8080%
15Greensboro$768-5%
69Greenville$802-1%
79Hampstead$8283%
59Havelock$790-2%
90Henderson$8374%
21Hendersonville$769-5%
43Hickory$778-4%
74High Point$8202%
16Highlands$768-5%
24Hillsborough$770-5%
62Huntersville$793-2%
107Jacksonville$91313%
73Jamestown$8131%
9Kannapolis$766-5%
100Kenly$89511%
5King$761-6%
60Kinston$790-2%
108Laurinburg$91313%
35Lenoir$776-4%
8Lexington$764-5%
55Lincolnton$785-3%
36Locust$776-4%
84Louisburg$8353%
109Lumberton$92615%
25Marion$771-4%
2Mebane$755-6%
22Mocksville$769-5%
64Monroe$794-2%
61Mooresville$790-2%
75Morehead City$8252%
37Morganton$776-4%
52Mount Airy$781-3%
92Mount Olive$8384%
17Murphy$768-5%
76Nags Head$8252%
49New Bern$780-3%
50Newton$780-3%
56North Wilkesboro$785-3%
77Oriental$8252%
99Princeton$89110%
110Raeford$92615%
67Raleigh$795-1%
44Reidsville$778-4%
95Roanoke Rapids$8414%
18Robbinsville$768-5%
65Rockingham$794-2%
83Rocky Mount$8323%
91Roxboro$8374%
29Rutherfordton$773-4%
10Salisbury$767-5%
104Sanford$90312%
105Shallotte$90412%
41Shelby$777-4%
45Siler City$778-4%
103Smithfield$90212%
46Southern Pines$778-4%
101Southport$89611%
48Sparta$779-3%
6Spruce Pine$761-6%
38Statesville$776-4%
80Swansboro$8283%
19Sylva$768-5%
51Taylorsville$780-3%
23Thomasville$769-5%
39Troy$776-4%
30Tryon$773-4%
66Wadesboro$794-2%
53Wake Forest$781-3%
81Warrenton$8303%
78Washington$8272%
20Waynesville$768-5%
31West Jefferson$775-4%
111Whiteville$93616%
86Wilmington$8364%
63Wilson$793-2%
3Winston Salem$755-6%
87Wrightsville Beach$8364%
54Yadkinville$781-3%
68Yanceyville$799-1%
58Zebulon$788-2%

Study Methodology

In arriving at the relative cost of car insurance between cities in North Carolina, we obtained auto insurance quotes for our sample driver across in 112 locations in the state. The driver we used as our benchmark was a single 30 year old male to have a standard comparison across the 100+ places. Our benchmark driver owns a 2011 Toyota Camry vehicle - no renting or financing. He averages 12,000 miles a year on the road for daily commute to and from work, and in the most recent five years, have not had any accidents or traffic violations.

Minimum Auto Insurance Requirements in North Carolina

Quotes were obtained for a policy with basic liability protection for the Camry from companies such as State Farm, GEICO, and the North Carolina Farm Bureau. North Carolina requires minimum limits of $30,000 per person and up to $60,000 per accident for Bodily Injury Liability, and Uninsured Motorist Coverage. It also requires that drivers are insured for up to $25,000 for property damage. At higher levels of bodily injury coverage, North Carolina requires that insurers include combined Uninsured / Underinsured Motorist Coverage in the same policy.

Type North Carolina Minimum Requirements Study Limits
Bodily Injury Liability $30,000 per person, and $50,000 per person, and
up to $60,000 per accident up to $100,000 per accident
Property Damage $25,000 per accident $25,000 per accident
Uninsured / Underinsured Motorist* $25,000 per person, and $50,000 per person, and
up to $50,000 per accident up to $100,000 per accident

*Note that the North Carolina Department of Insurance mandates that policies with the minimum coverage limits include only uninsured motorist coverage. Once protection limits are raised, the law requires that Uninsured and Underinsured Motorist Coverage are bundled together on drivers' policies.

Keep in mind that while you may meet your state's minimum coverage requirements, always consider opting for a higher level of coverage. If you find yourself in a particularly expensive accident, your basic coverage may not be enough to pay for the damages entirely, and you will incur out of pocket expenses.

Sources:
North Carolina's Consumer Guide to Automobile Insurance: http://www.ncdoi.com/_publications/consumer%20guide%20to%20automobile%20insurance_cau1.pdf
Census QuickFacts for NC: http://quickfacts.census.gov/qfd/states/37000.html

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