North Carolina car insurance: requirements & free quotes
North Carolina raised its minimums to 50/100/50 for policies issued or renewed on or after July 1, 2025, and now includes underinsured motorist coverage in all policies. It is one of the few states that still follow contributory negligence, which can bar recovery if you are even partly at fault.
Minimum coverage in North Carolina
$50,000
Bodily injury per person
$100,000
Bodily injury per accident
$50,000
Property damage
Bodily injury liability $50,000 per person / $100,000 per accident
Property damage liability $50,000 per accident
Uninsured motorist coverage
Underinsured motorist coverage (included in all policies issued or renewed on or after July 1, 2025)
Shown as 50/100/50 + UM/UIM. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in North Carolina
- Because of contributory negligence, strong coverage for your own losses, like collision and UM/UIM, is especially valuable.
- Comprehensive coverage helps with hurricane and flood damage near the coast.
- A clean record keeps you out of the state's driver insurance surcharge points.
- Ask about bundling and good-student discounts.
We connect drivers across North Carolina
Including Charlotte, Raleigh, Greensboro, Durham and Winston-Salem — and smaller towns in between. Availability depends on agencies serving your ZIP code.
North Carolina car insurance FAQ
No. North Carolina is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.