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North Carolina
Insurance Guide

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Auto Health

65% of the population are licensed drivers

Average Miles Driven


Per Year


Approx. total population of the state

Rank In Average Cost


State Minimum Liability

$30,000Per Person

$60,000Per Accident

$25,000Property Damage

Insurance Cost

State Average


National Average


Fun Facts

Largest Cities

Charlotte, Raleigh, Greensboro


Biltmore Estate, Great Smoky Mountains National Park, USS North Carolina Battleship

State Laws

  • At-fault State
  • Ban on cell and handheld phones for novice driver
  • Ban on texting for all drivers

Insurance Reference Guides

Where you live may affect your coverage options. Our reference guide will assist you in finding plans available in your state.

Insurance Terms Glossary

From "absolute liability" to "written premiums," we've done the work for you to define commonly used insurance terms.

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