At HomeInsurance.com, our customers know that we are not just home insurance. We offer some of the most competitive auto insurance rates and home and auto insurance discounts available. Finally, finding competitive, low cost car insurance quotes in North Carolina does not have to be a chore. Fill out one form and our licensed agents will match you with the North Carolina auto insurance provider that offers the best rate for your vehicle and your drivers.
Did you know? The average North Carolina auto insurance premium in December 2011 was $1,186.00 for a 12-month policy. It appears that rates have decreased since November 2011 when average rates in North Carolina were around $1,186.00 for a 12-month policy.
Average Premiums for Auto Insurance In North Carolina |
||||
| Dec 2011 | Nov 2011 | Oct 2011 | Sep 2011 | Aug 2011 |
| $1185..00 | $1185..00 | $1169..00 | $1227.00 | $1206.00 |
Though rates have decreased in recent months, it’s important to continue to save money and find great coverage on North Carolina auto insurance. Be sure to ask your North Carolina car insurance agent about a Home-Auto Discount which can save you up to 25% or more on your home and auto insurance. Also, check your coverages on a regular basis to make sure you have enough auto insurance coverage in the event of a accident or other claim.
North Carolina Auto Insurance News
- Auto insurance reform pushed back in North CarolinaMonday, April 16, 2012
North Carolina Auto Insurance Coverage Requirements
Bodily Injury: North Carolina drivers are required by law to carry a minimum of $30,000 of bodily injury coverage with a maximum of $60,000 per accident. Bodily injury coverage provides for lost wages, funeral expenses and medical expenses in the event of an accident where injuries are sustained.
Property Damage: Drivers in North Carolina must carry a minimum of $25,000 in property damage liability coverage for every owned vehicle. This coverage protects drivers from damages caused to private and public property damaged in an accident.
North Carolina Recommended Coverages
- Uninsured/Underinsured Motorist Coverage- a type of insurance which pays for the damages caused by uninsured and underinsured drivers.
- Comprehensive and Collision Coverage- a type of insurance coverage which pays for damages caused by storms and other natural disasters
Another way to save money on North Carolina car insurance premiums is to take advantage of auto insurance discounts that can save you money in your area. Read more about the North Carolina Home-Auto Discount.
Auto Insurance Tools and Tips:
- Auto Insurance Quiz- Why do you really pay what you do for auto insurance? Quiz yourself!
- Teen Driver Contract- Download our free teen driver contract and start protecting your teens on the road today.
- Car Insurance RateReport: See how your premiums add up against other drivers in the country with our interactive RateReport map.
North Carolina Most Stolen Vehicles
Some specific vehicle models are known for being more commonly stolen than others. Owning one of these vehicles may affect your auto insurance rates. Check out the most commonly stolen vehicles in North Carolina:
The Top 10 Most Stolen Vehicles in North Carolina
Rank |
Year |
Vehicle |
1 |
1996 |
Honda Accord |
2 |
1995 |
Honda Civic |
3 |
1997 |
Ford F150 Series |
4 |
1996 |
Jeep Cherokee/Grand Cherokee |
5 |
1993 |
Toyota Camry |
6 |
2002 |
Ford Explorer |
7 |
2001 |
Ford Taurus |
8 |
1994 |
Dodge Caravan |
9 |
2000 |
Chevrolet Full Size C/K 1500 Pickup |
10 |
1996 |
Ford Ranger |
Source: © 2007 National Insurance Crime Bureau.
North Carolina Driver Licensing Rules/Regulations:
Laws about licensing new drivers vary per state and are unique in North Carolina. Drivers shopping for North Carolina teen auto insurance should review the laws regarding young drivers in their state. A summary of North Carolina young driver and driver licensing regulations are listed below, as per the Insurance Institute for Highway Safety (IIHS):
| To earn a North Carolina learners permit you must be of this minimum age: | 15 |
| Before getting a North Carolina drivers license you must have a learners permit for: | 12 months |
| Also, you must have this minimum amount of supervised driving time: | none |
| To earn a North Carolina driver's license you must be of the minimum age: | 16 |
| During your restricted license stage, you are not allowed to drive between: | 9 pm-5 am |
| Also, you are required to comply with the following passenger restrictions: | no more than 1 passenger younger than 21; if a family member younger than 21 is already a passenger then no other passengers younger than 21 who are not family members |
| The minimum age at which your restricted nighttime hours may be lifted in North Carolina is: | 16, 6 months |
| The minimum age at which your passenger restrictions may be lifted in North Carolina is: | 16, 6 months |
Shop HomeInsurance.com for the lowest rates and best coverage for your vehicles. Simply enter your zip code above to start your customized car insurance quote and let our auto insurance agents qualify you for all available discounts in North Carolina.
Search for auto insurance in your North Carolina county:
- Alamance
- Alexander
- Alleghany
- Anson
- Ashe
- Avery
- Beaufort
- Bertie
- Bladen
- Brunswick
- Buncombe
- Burke
- Cabarrus
- Caldwell
- Camden
- Carteret
- Caswell
- Catawba
- Chatham
- Cherokee
- Chowan
- Clay
- Cleveland
- Columbus
- Craven
- Cumberland
- Currituck
- Dare
- Davidson
- Davie
- Duplin
- Durham
- Edgecombe
- Forsyth
- Franklin
- Gaston
- Gates
- Graham
- Granville
- Greene
- Guilford
- Halifax
- Harnett
- Haywood
- Henderson
- Hertford
- Hoke
- Hyde
- Iredell
- Jackson
- Johnston
- Jones
- Lee
- Lenoir
- Lincoln
- Macon
- Madison
- Martin
- Mcdowell
- Mecklenburg
- Mitchell
- Montgomery
- Moore
- Nash
- New Hanover
- Northampton
- Onslow
- Orange
- Pamlico
- Pasquotank
- Pender
- Perquimans
- Person
- Pitt
- Polk
- Randolph
- Richmond
- Robeson
- Rockingham
- Rowan
- Rutherford
- Sampson
- Scotland
- Stanly
- Stokes
- Surry
- Swain
- Transylvania
- Tyrrell
- Union
- Vance
- Wake
- Warren
- Washington
- Watauga
- Wayne
- Wilkes
- Wilson
- Yadkin
- Yancey
For additional information about specific auto insurance laws in North Carolina, visit the North Carolina Department of Insurance website.
