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
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
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.
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.
Uninsured Motorist Rate in NC
The uninsured motorist rate in NC ranked 23rd in the nation in 2009.
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.
Motorcycle Helmet Laws in NC
Motorcycle helmets required for all riders.
Driver's License Renewal Cycle in NC
Renewal cycle: 8 years
North Carolina Auto & Driver Facts
North Carolina Automotive Facts
Speed Limits in NC
Rural interstates: 70 mph
[ 7] Urban interstates: 70 mph
[ 7] Other roads: 55 mph
Motor Fuel Consumption in NC
North Carolina cities collectively ranked 9th in the nation in total motor fuel consumption in 2011.
North Carolina Licensed Drivers
Licensed Drivers in NC [ 10]
Total Drivers: 6,569,341
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.
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?
Under primary laws, an officer can ticket a driver for the offense (such as texting) without another traffic violation occurring.
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