Car Insurance LocalCar Insurance Local
North Carolina Car Insurance Resources

North Carolina Car Insurance

Car Insurance Rates in NC

^ From 2006 to 2010, North Carolina cities had the 45th highest auto insurance rates in the nation. [2]

Car Insurance in NC by City

Select a city for local information:
Go

Cars Insured in NC

^ North Carolina ranked 8th of all U.S. states in total auto insurance policies in 2011. [1]

NC Car Insurance

Car Insurance in North Carolina

Car Insurance Liability Requirements in North Carolina

  • Minimum Liability Limits in NC: 30/60/25 [4]
    • 30  Required coverage up to $30,000 for one individual injured in an accident
    • 60  Required coverage up to $60,000 for all persons injured in an accident
    • 25  Required coverage up to $25,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.

Required Car Insurance Coverage in North Carolina

Required Car Insurance Coverage in North Carolina
  • Auto Insurance Coverage Requirements in NC [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Underinsured motorist coverage
    • Note: Underinsured motorist coverage is mandatory in policies with uninsured motorist limits exceeding 30/60.

Car Insurance Verification Laws in North Carolina

  • Insurer Verification of Auto Insurance in NC [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

North Carolina Car Insurance Facts, Estimates & Related Laws

North Carolina Car Insurance Facts

North Carolina Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in NC
    • North Carolina had the 45th highest auto insurance rates in the nation in 2010. [2]
    • Rates in NC ranked 44th in the nation in 2009. [2]
    • In 2008, NC had the 45th highest rates in the country. [2]
  • Number of Auto Insurance Policies in NC
    • North Carolina ranked 8th in the nation in auto insurance policies in 2011 with a total of 7,168,023. [1]
  • Uninsured Motorist Rate in NC
    • The uninsured motorist rate in NC ranked 23rd in the nation in 2009. [3]

North Carolina Distracted Driving Laws

  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to drivers younger than 18. [7]
  • Bus driver cell phone ban? Yes
    • Ban applies to school bus drivers. [7]
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

North Carolina Automotive Laws

  • Safety Belt Laws in NC
    • Safety belt laws have been in place since 1985 and apply to drivers/passengers 16+ years in all seats. [7]
    • Child restraint law in place for 7 years and younger and less than 80 pounds. [7]
  • Motorcycle Helmet Laws in NC
    • Motorcycle helmets required for all riders. [7]
  • Driver's License Renewal Cycle in NC
    • Renewal cycle: 8 years [7]

North Carolina Auto & Driver Facts

North Carolina Automotive Facts

North Carolina Auto & Driver Facts
  • Speed Limits in NC
    • Rural interstates: 70 mph [7]
    • Urban interstates: 70 mph [7]
    • Other roads: 55 mph [7]
  • Motor Fuel Consumption in NC
    • North Carolina cities collectively ranked 9th in the nation in total motor fuel consumption in 2011. [9]

North Carolina Licensed Drivers

  • Licensed Drivers in NC [10]
    • Total Drivers: 6,569,341
    • Female: 3,382,446
    • Male: 3,186,895
    • NC has the 10th most drivers in the U.S.
  • Minimum Driving Age in NC [5]
    • North Carolina has a minimum driving age of 15 years.

North Carolina Auto Registrations

  • Auto Registrations in NC [8]
    • Registered Cars: 3,264,444
    • Registered Trucks: 2,743,261
    • Registered Motorcycles: 223,305
    • Total Registrations: 6,249,592
    • Rank: North Carolina ranked 12th in the United States in total auto registrations in 2011.

Additional information about North Carolina

About North Carolina

North Carolina has a population of approximately 9,535,483, which ranks 10th in the U.S. among all states. [6]

NC Car Insurance

More about North Carolina auto insurance

For more information about auto insurance in NC, or for additional resources regarding North Carolina car insurance, visit the North Carolina Department of Insurance.

Did you know?

Of all U.S. states, Mississippi had the highest uninsured motorist rate (28 percent) when last measured.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

North Carolina Cities