North Carolina Auto Insurance Online

Great seal of North Carolina
Looking for lower rates in North Carolina? The best way to find low rates from a quality insurer is to complete an auto insurance comparison from multiple carriers. By completing the following form, OnlineAutoInsurance.com helps you compare car insurance quotes online instantly and easily. Get up to 4 rates from 15 different carriers. When insurers compete for your business, you save:

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North CarolinaEven the North Carolina Department of Insurance encourages consumers to shop around in order to find competitive rates since you may find substantial differences between quotes. Let OnlineAutoInsurance.com help you shop around for an insurance company that fits your needs—whether it be a cheap rate, a quality company, or a mix of both. Why spend hours calling around or visiting many different websites when you can take advantage of OnlineAutoInsurance.com's instant online quotes all in one simple process?

Getting Cheap Auto Insurance in North Carolina



Getting the cheapest NC rates means taking advantage of as many available savings for which you qualify and making sure to complete OnlineAutoInsurance.com's free rate comparison services. There are multiple discounts available to qualified policyholders. Below are a few discounts that drivers may be eligible for:
  • Good Driver—Having less than two violations (depending on the type) may still allow a motorist to get the good driver discount which can be in the range of 20 percent.
  • Multiple Car—If you have multiple vehicles, put them on the same policy for maximum savings. Multi-car discounts are also in the range of 20 percent.
  • Marriage—Married drivers have the privilege of saving a few dollars on their policy. Some carriers, however, may ask for a marriage certificate to qualify.
  • Vehicle—Some vehicles will automatically provide you with discounts if they have features such as anti-lock brakes, theft alarms or low-jack, daytime running lights, and airbags.
  • Payment Plan—Consider the different payment plans available. Some payment plans, such as "automatic withdrawal from your bank account" or paying the policy term "in full," can save you a few dollars per year.
  • Coverage and Deductibles—When getting free online auto insurance quotes, shoppers should experiment with different deductibles and coverage types to see what fits their budget. Generally, if they raise the deductibles, rates will reduce; however, keep in mind that a deductible is what the policyholder will have to pay toward a vehicle's repairs or replacement.
North Carolina Auto Insurance Law (AKA: Financial Responsibility Law)
Liability Coverage$30,000 - Bodily injury coverage per person
$60,000 - Bodily injury coverage total per accident, when multiple persons
$25,000 - Property damage coverage per occurrence
Uninsured/Underinsured Motorist Coverage$30,000 - Bodily injury coverage per person
$60,000 - Bodily injury coverage total per accident, when multiple persons
The above table shows the mandatory minimum coverages. One should always consider the many other types of coverage available. Keep in mind that minimum required coverage does not provide repairs or replacement of the insured vehicle in case of an at-fault accident or other losses from perils such as theft, vandalism, etc. Quote all the different types of coverage and see what fits your needs and your budget. By comparing NC car insurance effectively, it may lead to more protection at a price that is unexpectedly cheap.
More coverage may be available in North Carolina - NC such as:
No Fault Insurance - Personal Injury Protection | Medical Payments | Comprehensive and Collision | Rental Car | Road Side Assistance

The state Department of Insurance provides a Consumer Guide to North Carolina Auto Insurance that can help answer additional questions in more detail. You may also visit our learning center for tips and assistance on terms, coverage, and more.


North Carolina Car Insurance Questions

  • What is the NC Safe Driver Incentive Plan and Insurance Points?

    North Carolina state flagThe North Carolina Safe Driver Incentive Plan (SDIP) is one of several state funded programs that are devoted to preventing motorists from violating traffic laws by instilling harsh punishments for those that do. Created by the General Assembly in 1957, this program assigns points to a person's driving record for being convicted of...

  • When Did Car Insurance Become Mandatory in North Carolina?

    North Carolina with blue backgroundDue to the large number of uninsured automobiles in the Tar Heel State, North Carolina adopted a compulsory insurance law known as the Vehicle Financial Responsibility Act of 1957. The state was one of the first to enforce such a law which requires that all registered motor vehicles be covered by an automobile liability policy continuously until...

  • What Happens if I have a Lapse of North Carolina Liability Insurance?

    North Carolina flagIf a resident of the Tar Heel State has a lapse of liability coverage due to either a cancellation or nonrenewal, the state's law requires the auto insurance company to notify the Department of Motor Vehicles (DMV) of the lapse. Upon the receipt of such a notice the DMV will...

News about North Carolina Auto Insurance

  • North Carolina Annual Filing Asks for Flat Car Insurance Rates

    February 6, 2014 - Auto insurers in North Carolina asked to keep rates flat in 2014, according to the state's insurance commissioner. The request was part of an annual rate filing that the North Carolina Rate Bureau (NCRB) submits to the North Carolina Department of Insurance (NCDOI). Wayne Goodwin, NCDOI's commissioner, said that the car ...

  • NC Reps Consider Bills Allowing Discounts, Redoing Age Factor

    April 22, 2013 - The North Carolina House of Representatives is considering bills that could cut auto coverage rates for some drivers in the state after senators overwhelmingly passed the pieces of legislation last week. SB 180 would allow insurers to bring exclusive discounts and coverage programs to North Carolina, giving drivers access to ...

  • NC and Mich. Regulators Recover a total of $67 Million for Consumers

    January 12, 2012 - Regulators in North Carolina and Michigan announced separately this week that they saved or recovered more than a combined $67 million for consumers in those states as a result of overseeing insurer business practices, investigating disputed claims and other efforts. The North Carolina Department of Insurance recouped about...

Articles Related to NC Insurance

  • High Risk Drivers in North Carolina

    Jul 14, 2011 - Automobile coverage providers in the Tar Heel State often prefer to insure motorists that are considered good drivers, with a small likelihood of filing a claim. But unfortunately, not everyone has a flawless driving record or years...

  • Get Enough Car Insurance in North Carolina

    Apr 28, 2011 - According to the Vehicle Financial Responsibility Act of 1957 all North Carolina motorists are required to have minimum amounts of liability insurance, make a cash or bond deposit with the State Treasurer, or have a certificate of...

  • Finding And Keeping Cheap NC Auto Insurance

    Apr 15, 2011 - The average cost of automobile insurance in North Carolina is comparatively inexpensive to other states, but residents can still search for the lowest priced policies that offer the greatest amount of protection. Finding a cheap...