Are you overpaying?

Comparison quotes are the cheapest way to save

Cheap Comparison Quotes Free and Customized

Cheapest Car Insurance in North Carolina

North Carolina holds beautiful Atlantic Ocean sunsets and daring mountain-top panoramas. With six coastal lighthouses and over 20 ferries scattered throughout the state’s lush landscape, “The Tar Heel State” is a uniquely East Coast destination. From whitewater rafting and hiking to bed and breakfasts and antiquing, North Carolina offers attractions that have brought visitors from far and wide. Drivers enjoy the coastal cruises, and wants to keep North Carolina driving safely. That’s why this list of essential state car insurance facts has been compiled, organized and made easily accessible.


With the changes coming and going in driving laws and regulations, North Carolina drivers have to spend time keeping up-to-date. The following quick-reference article will help cut that time down, and let Tar heels get back to their beloved state.

Minimum Requirements for Car Insurance in North Carolina

  • The North Carolina Department of Insurance requires Liability Insurance and Uninsured/Underinsured Motorist Coverage on all vehicles driven in the state. The department as produced A Consumer’s Guide to Auto Insurance to help drivers navigate the car insurance search.
  • Liability Coverage and Uninsured/Underinsured Motorists minimums:
    • $30,000 per individual to cover bodily injury or death.
    • $60,000 per accident involving bodily injuries or deaths.
    • $25,000 for property damage.

New Driver Licensing Requirements:

  • The North Carolina Division of Motor Vehicles (DMV) makes it mandatory to have a state driver’s license if operating a vehicle within North Carolina. For new drivers, the state offers a Graduated Driver License (GDL) program to allow drivers under the age of 18 driving experience. The 3 phases of the program are explained below:
  • Limited Learner Permit. Beginning at age 15, this permit allows the applicant to drive while supervised. The applicant must pass the vision, sign and written tests as well as complete a driver education course to obtain this permit. The following requirements/restrictions apply while the permit is held:
    • Must hold the permit for at least 12 months
    • The applicant must be accompanied by a licensed driver age 25 or older who has held his/her license for at least 5 years.
    • Cell phone use is prohibited
  • Limited Provisional License. At age 16, applicants who have completed the requirements for the Limited Learner Permit may pass the Road Skills Test and show proof of liability insurance to apply for the Limited Provisional License. The applicant must have had no violations in the preceding 6 months, and the following applies while holding this license:
    • Must hold the license for at least 6 months
    • May drive unsupervised between 9am and 5pm
    • May drive unsupervised at any time if driving to/from work, school or volunteer fire, emergency service or rescue.
    • When unsupervised, the applicant is permitted to carry only one passenger under the age of 21.
    • Cell phone use is prohibited
  • Full Provisional License. To obtain a Full Provisional License, the applicant must have no violations within the preceding 6 months. The applicant can drive unsupervised at any time, but he/she may not use a cell phone device while driving.
  • Vision Exam. To pass the vision test, an applicant must have a visual acuity of at least 20/50 including corrective lenses and a field of vision of at least 60 degrees in one eye.
  • Written Test. The written test is made up of information contained in the North Carolina Driver’s Manual. The North Carolina DMV provides practice questions for the written test which are available here.
  • Sign Test. The applicant must identify a variety of traffic signs by shape, color and/or symbol. The state’s DMV provides the sections for the Regulatory Signs and for the Warning Signs.
  • Driving Test. Chapter 1 of the North Carolina Driver’s Manual outlines the information necessary to complete the driving test. The test administrator will observe the applicant’s ability to perform the following skills:
    • Approach intersections
    • Obey stop signs and traffic signals
    • Backing
    • Correctly use turn signals and horn
    • Following another vehicle
    • Complete a three-point turnabout
  • Fees. North Carolina drivers license fees are as follows:
    • Limited Learner Permit, $15.
    • Limited Provisional License, $15
    • Full Provisional License, $4 per year
    • Regular Driver’s License, $10


  • BAC limit: .08 The North Carolina Department of Public Safety has organized DUI offenses into 5 levels. Level 5 is the least serious, and Level 1 is the most serious, receiving the most severe penalties. Following is a list of pertinent penalties for Level 5 and Level 1 DUI convictions in North Carolina:
  • Level 5:
    • Fine: maximum $200
    • License revocation: 1 year
    • Jail: 24 hours to 60 days, OR
    • Community service 24 hours, OR
    • Combination of jail time and community service
  • Level 1:
    • Fine: maximum $4,000 (max. $10,000 with aggravated factors)
    • License revocation: determinate upon factors included in the offense
    • Jail: 30 days to 2 years. This sentence cannot be suspended (max. 3 years with aggravated factors)
    • Possible vehicle forfeiture
  • For further explanation of North Carolina’s DUI laws, refer to North Carolina General Statutes (N.C.G.S.) § 20-179(f-k).

Texting & Driving Laws notes that North Carolina has banned texting for all drivers, and it has banned all cell phone use for novice drivers and bus drivers.

Unique Laws

North Carolina is a beautiful state and can make one want to break out in song. But be careful; it is a crime to sing off-key for more than 90 seconds. Also, it is prohibited to use an elephant to plow a field, and, to keep things civil, fights between dogs and cats have been declared illegal!


Best Cheap Car Insurance Quotes for North Carolina

Mecklenburg County Car Insurance

The county encompassing Charlotte welcomed its one-millionth resident in 2013. The third fastest growing major city in the nation, Charlotte is also the second largest in the southeast behind Jacksonville, Florida.

Mecklenburg County is home to the Carolina Renaissance Festival, one of the largest in the nation. The Charlotte metro area is the largest without a zoo, though city officials say efforts to establish one are under way. Charlotte is the birthplace of evangelist Billy Graham, and a library and museum based on his life are open to the public. Other attractions include the NASCAR Hall of Fame and 400-acre Carowinds theme park.

County Sedan Suv Coupe Truck Hybrid

Wake County Car Insurance

Central North Carolina's Wake County includes the cities of Cary, its largest, and Raleigh, the county seat and state capital. The biotech and textile industries are a major driver in the county economic, particularly within the massive Research Triangle Park, home to more than 160 companies.

In Cary, tourists' favorites include Frank G. Bond Metropolitan Park and Hemlock Bluffs Nature Preserve. Raleigh's major attractions include the North Carolina Museum of Natural Sciences, Museum of History and Museum of Art.

County Sedan Suv Coupe Truck Hybrid

Guilford County Car Insurance

The third most populous county in North Carolina, Guilford County is located just east of Winston-Salem. Its county seat is Greensboro, where the first sit-in of the American Civil Rights Movement took place at a Woolworth's counter in 1960. That Woolworth's is now the International Civil Rights Center and Museum.

Greensboro's Barn Dinner Theater is the oldest continually operating dinner theater in the U.S., having opened in 1964. Its Carolina Theatre was the first air conditioned commercial building in the state. Popular tourist stops include the Greensboro Science Center, Children's Museum and Historical Museum.

County Sedan Suv Coupe Truck Hybrid

Forsyth County Car Insurance

Partially in the Yadkin Valley Wine Region, Forsyth County is home to Winston-Salem, called "Winston" by locals in a hurry. Sometimes called the City of the Arts, the city created the first arts council in the U.S. In 1949.

Forsyth County includes part of the City of High Point, also known as the Furniture Capital of the World and the only North Carolina city that overlaps into four counties. Popular with visitors are the Old Salem Museums and Gardens, Children's Museum, SciWorks and a quaint, well preserved "Shell"-shaped gas station.

County Sedan Suv Coupe Truck Hybrid

Cumberland County Car Insurance

About an hour south of Raleigh, bisected by the Cape Fear River is Cumberland County. It includes Fayetteville, its seat and largest city, Fort Bragg and the township of Eastover, known at one time as "Flea Hill."

The oldest organ still in use in the nation is housed at St. Joseph's Episcopal in Fayetteville, birthplace and site of the first Golden Corral restaurant. Popular with visitors is the Airborne and Special Operations Museum, Cape Fear Botanical Garden and River Trail.

County Sedan Suv Coupe Truck Hybrid

Durham County Car Insurance

The city of Durham is the seat and only incorporated municipality in the North Carolina county of the same name. A small part of the neighboring city of Raleigh extends into Durham County, which has six townships and a handful of smaller communities. Durham has about 252,000 residents and is home of Duke University and North Carolina Central University.

A settlement arose in the 19th century mainly because the steam locomotives traveling between Raleigh and Hillsborough needed to stop for wood and water, and a depot was erected on a site donated by Bartlett Durham in 1849. Durham County prospered after the Civil War through business such as the Bull Durham Tobacco Company, and in recent years has focused revitalization efforts on its former tobacco districts. The American Tobacco Historic District is among popular tourist destinations, with free concerts and dining options.

County Sedan Suv Coupe Truck Hybrid

Buncombe County Car Insurance

Tucked among the Blue Ridge Mountains, Buncombe County is home to about 238,000 people, about a third of whom live in Asheville, the county seat. Known for its waterfalls and fall foliage, Buncombe County is a popular spot for tourists as well as retiring Baby Boomers.

The largest privately owned home in the nation, Biltmore Estate, is located in Asheville, as is the boyhood home of American author Thomas Wolfe. Both are now open to visitors. Running through Buncombe County is the Blue Ridge Parkway, the longest linear park in the U.S., at 469 miles. It was built to connect Shenandoah National Park to the Great Smoky Mountains National Park. At the Asheville Pinball Museum, a flat entrance fee buys unlimited play on pinball and vintage arcade games.

County Sedan Suv Coupe Truck Hybrid

New Hanover County Car Insurance

New Hanover County is the second smallest county in North Carolina by land area, but one of the most densely populated in the area. A coastal county located in the southern part of the state, its communities include Wilmington, the county seat, Carolina Beach, Kure Beach and Wrightsville Beach. Its three beach towns are all about 25 minutes apart.

The USS North Carolina, the first newly constructed battleship to enter service during World War II, is now permanently berthed and open to visitors at the seaport, just across the river from downtown Wilmington. Downtown is a tourist attraction itself, with a scenic riverwalk and historic district, plenty of shops and restaurants.

County Sedan Suv Coupe Truck Hybrid
New Hanover$875.00$723.00$920.00$757.00$863.00

Union County Car Insurance

Southeast of the bustling City of Charlotte is Union County, N.C., home of the Queens Cup Steeplechase in Mineral Springs and the annual Boll Weevil Festival in Marshville.

The county seat is Monroe, a fast growing city that in the 1960s was a center of action during the Civil Rights Movement and then NAACP chapter President Robert F. Williams. Notable tourist stops in Union County are the Treehouse Vineyards, Monroe Antique Market and Hilton Vineyard.

County Sedan Suv Coupe Truck Hybrid

Gaston County Car Insurance

Just west of Charlotte is Gaston County, home to about 72,000. Its seat, Gastonia, is the largest satellite city in the Charlotte metro area. The county is known for its history in the textile and trucking industries.

The first commercial TV signal in North Caroline was broadcast from Spencer Mountain in 1949. The signal tower is no longer in use, but remains on the mountain as a radio tower. Popular stops for visitors are the Muddy River Distillery, Schiele Museum and Schiele Museum of Natural History. During the holidays, a crowd-drawing tradition is the McAdenville Christmas lights.

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
New Hanover$875.00$723.00$920.00$757.00$863.00
Yancey$738.00$570.00$782.00$606.00$725.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums

North Carolina enjoys auto insurance premiums below the national average, and its auto premiums as a percentage of income hit an historic low in 2007. Although points out the state’s averages were on the incline in 2009, they remain below the nation’s average.

Drunk Driving Fatalities

Beginning with a percentage slightly below the national average in both 2010 and 2011, North Carolina saw an increase in its drunk driving fatalities that brought its percentage up to match the national average in 2012. Since then, the number of fatalities has dropped below the national average.

Teen Drinking and Driving

The Center for Disease Control reports that North Carolina’s teen drinking and driving percentage is slightly below the national average. The state’s percentage measures 7.7, while the national average measures 10.1.

Vehicular Theft in North Carolina

North Carolina’s vehicle theft rate has declined since 2011. It remains well below the national average.

Cheap Car Insurance understands you work hard for your money so, why spend more on your affordable auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

Driver RatingBest Rate Option
Good driversGeico
Young driversGeico
Drivers with an at-fault crashNC Farm Bureau
Drivers with poor creditProgressive
Retired driversProgressive


State Department of Insurance

North Carolina Department of Insurance
Dobbs Building
430 N. Salisbury St.
Raleigh, NC 27603-5926
(800) 546-5664 Toll free in North Carolina
(919) 807-6750
Get Directions

Department of Transportation

North Carolina Department of Transportation
Transportation Building
1 S. Wilmington St.
Raleigh, NC 27601
Get Directions

Department of Motor Vehicles

North Carolina Division of Motor Vehicles
1100 New Bern Ave.
Raleigh, NC 27697
(919) 715-7000
Get Directions

See rates for these popular cities