Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 2, 2020

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North Carolina Summary StatsDetails
Road Miles106,305
Vehicles Registered7,682,387
Population10,383,620
Most Popular VehicleFord F-150
Uninsured Motorists6.5%
Total Driving Related DeathsSpeeding: 423
Drunk Driving: 354
Average Annual PremiumsLiability: $359.42
Collision: $293.59
Comprehensive: $136.08
Combined: $789.09
Cheapest ProviderLiberty Mutual
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North Carolina, known to those who live there as either the “Old North State” or the “Tar Heel State”, has its traditions and stakes in art, music, and cuisine. The North Carolina arts culture generates $1.2 billion dollars in economic activity for the state and is home to the North Carolina Museum of Art, the first major museum collection to be formed by state funding.

Getting lost in all the artwork at the museum is an amazing experience; getting lost when searching for car insurance is not.

Well, let us provide this road map for you full of every piece of car insurance information because we have put together a guide that has all the car insurance information that you’d ever want to know about North Carolina: coverage and rates, car insurance providers, state laws, and lots, lots more.

So cook yourself up some of the state’s food staple (pork BBQ), and prepare to dive into the finger-lickin’ goodness of this guide

Comparing rates is a great way to save money! Start today with just your ZIP code.

Table of Contents

North Carolina Car Insurance Coverage and Rates

Speaking of food, North Carolina has a lot in terms of food firsts: Pepsi-Cola was first produced in New Bern in 1898; Golden Corral, a famous buffet restaurant chain, began and started in North Carolina in 1973, and the donut chain Krispy Kreme started in North Carolina.

Before you go run out to buy a dozen delicious donuts, let’s go over the basic requirements of car insurance and what it will cost you in North Carolina.

North Carolina Minimum Coverage

Minimum RequirementsCost
Body Injury Liability - One Person$30,000
Body Injury Liability - Two or More People$60,000
Property Damage$25,000
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North Carolina ranks 48th in the United States when it comes to people who are uninsured. This equates to 6.5 percent of the total state population that is not insured.

It is great that most of the state is insured! But whether you are insured or not, it is important to know that you need, at the minimum, liability insurance. Liability insurance covers you in the event you are in an accident and there is bodily injuries or property damage. It pays all the individuals involved.

It is important to know North Carolina is an at-fault state. This means that the person who was at fault in the accident is the one who has to pay for any damage or injuries sustained.

Also, if you work or do business in North Carolina, it is important to know you must have liability insurance you have purchased in the state of North Carolina. Out-of-state policies will not be accepted as valid insurance policies.

The mandatory minimum you must carry in North Carolina according to North Carolina law G.S. 20-279.21 is listed in the table above, but to recap:

  • $30,000 for injuries per person.
  • $60,000 for total injuries per accident.
  • $25,000 for property damage per accident.

This minimum liability coverage is known as 30/60/25.

Experts recommend if at all possible to purchase more than the minimum amount for your state as seen below.

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Required Forms of Financial Responsibility in North Carolina

To drive in North Carolina, you must carry insurance and some form of financial responsibility.

According to North Carolina law G.S. 20-309, the following will serve as valid forms of financial responsibility in addition to insurance:

  • A surety bond in the amount of $85,000 or more.
  • Certificate of deposit of money or securities of $85,000 or more.
  • Self-insurance (if you own/lease 26 cars or more).

Every time you operate a vehicle, you need to have, on hand, proof of insurance and/or financial responsibility.

If you let your insurance lapse, the North Carolina liability insurance law is heavily enforced. Insurance companies have to, by law, notify the state DMV if insurance is canceled or coverage lapses.

There is no grace period for insurance lapses in North Carolina.

The penalties for letting your insurance lapse?

  • First time: $50 fine.
  • Second time: $100 fine.
  • Subsequent times: $150 fine.
  • Restoration fee for license plate: $50 fee.

If you need to cancel your insurance, for any reason, make sure you follow the proper procedures! It’s much better than having to pay fines and fees.

Premiums as Percentage of Income in North Carolina

In 2017, the average annual disposable income was $35,099.

What is disposable income? That is the amount you have left to spend after you have taken care of your necessary expenses and after taxes have been paid.

The average annual cost of car insurance in North Carolina is $768.28, which is about 2.2 percent of your total disposable income.

If you live in North Carolina, your monthly disposable income, on average, totals about $2,924.92. On average, a full coverage premium will deduct about $64 out of your total monthly income.

Why is full coverage so low in North Carolina?

According to a study cited on the Charlotte Observer, North Carolina (as of 2018) is the least expensive state to buy car insurance in, as its residents pay 41 percent less annually than the national average of $811.

The study lists three potential reasons for low car insurance:

  • North Carolina is mostly rural, which means less crime, cheaper cost of living, and fewer accidents. This drives insurance rates lower.
  • The Commissioner of Insurance, Wayne Goodwin, is responsible for capping car insurance rates. Insurance firms compete with one another by offering rates lower than the state cap.
  • Because of this competition, more than 2,000 different auto insurance discounts are offered by North Carolina auto insurance companies, an amount the study calls “uncharacteristically high.”

American Consumer Credit Counseling suggests saving 20 percent of every paycheck. With North Carolina’s DPI, that is a whopping $585 each month! How much are you putting aside for savings?

Average Monthly Car Insurance Rates in NC (Liability, Collision, Comprehensive)

Core Car Insurance Coverage Costs in North CarolinaCost
Liability$359.42
Collision$293.59
Comprehensive$136.08
Combined$789.09
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The above table illustrates the most recent data provided by the National Association of Insurance Commissioners. This data is as of 2015, so expect rates to possibly be a bit higher for 2019, and so on.

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Don’t forget: North Carolina has minimum requirements for liability coverage, but experts suggest drivers purchase more than what the state law requires, especially when the state is an “at-fault” state like North Carolina.

Additional Liability Coverage in North Carolina

Loss Ratio201220132014
Medical Payments (Med Pay)81%81%79%
Uninsured/Underinsured Motorist53%56%53%
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Uninsured Motorist coverage is required in North Carolina. It is bundled with liability insurance, which is also required, by state law.

Underinsured Motorist coverage and Medical Pay (Med Pay) are not required, but experts do recommend these optional coverages, as they can provide needed protection in the event something happens!

Add-ons, Endorsements, and Riders

Getting complete coverage at an affordable price is your main goal when it comes to car insurance, right?

Good news: there are lots of powerful but cheap extras you can add to your policy.

Here’s a list of useful coverage available to you in North Carolina:

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Average Monthly North Carolina Car Insurance Rates by Age & Gender

CompanyMarried 35-year old female Annual RateMarried 35-year old male Annual RateMarried 60-year old female Annual RateMarried 60-year old male Annual RateSingle 17-year old female Annual RateSingle 17-year old male Annual RateSingle 25-year old female Annual RateSingle 25-year old male Annual Rate
Allstate P&C$5,499.72$5,499.72$4,516.40$4,516.40$13,137.37$13,137.37$5,608.24$5,608.24
Geico Govt Employees$2,521.28$2,474.28$2,482.19$2,437.32$4,603.65$4,563.43$2,212.08$2,199.26
Liberty Mutual$1,823.22$1,823.22$1,886.88$1,886.88$3,197.53$3,197.53$1,823.22$1,823.22
Nationwide Mutual$2,431.91$2,431.91$2,431.91$2,431.91$4,096.41$4,096.41$2,431.91$2,431.91
Progressive Premier$1,785.15$1,785.15$1,623.93$1,623.93$4,132.18$4,132.18$1,989.17$1,989.17
State Farm Mutual Auto$2,692.15$2,692.15$2,327.42$2,327.42$3,966.45$3,966.45$3,328.58$3,328.58
Standard Fire Ins Co$2,665.43$2,665.43$2,644.05$2,644.05$4,485.32$4,485.32$2,735.84$2,735.84
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The chart above shows how much men and women pay on average in each age group. While age is still a large factor in determining rates, insurers in North Carolina are not allowed to determine rates based on gender alone.

North Carolina Car Insurance Rates by ZIP Code

Check the table and chart below to see if your ZIP code is among the most expensive or cheapest ZIP codes.

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25 Most Expensive Zip Codes in North Carolina CityAverage Annual Rate by Zip CodeMost Expensive CompanyMost Expensive Annual Rate 2nd Most Expensive Company2nd Most Expensive Annual Rate Cheapest CompanyCheapest Annual Rate 2nd Cheapest Company2nd Cheapest Annual Rate
28205CHARLOTTE$4,803.84Allstate$10,255.09State Farm$4,754.10Liberty Mutual$3,198.09Progressive$3,600.76
28206CHARLOTTE$4,801.37Allstate$10,255.09State Farm$4,730.74Liberty Mutual$3,198.09Progressive$3,606.80
28212CHARLOTTE$4,795.85Allstate$10,255.09State Farm$4,752.72Liberty Mutual$3,198.09Progressive$3,546.16
28208CHARLOTTE$4,786.44Allstate$10,176.40State Farm$4,724.45Liberty Mutual$3,198.09Progressive$3,587.28
28217CHARLOTTE$4,746.83Allstate$9,909.55State Farm$4,710.84Liberty Mutual$3,198.09Progressive$3,590.48
28262CHARLOTTE$4,649.95Allstate$9,496.84State Farm$4,569.67Liberty Mutual$3,198.09Progressive$3,466.15
28215CHARLOTTE$4,639.07Allstate$9,084.42State Farm$4,766.92Liberty Mutual$3,198.09Progressive$3,605.20
28213CHARLOTTE$4,633.71Allstate$9,102.08State Farm$4,674.82Liberty Mutual$3,198.09GEICO$3,621.01
28126NEWELL$4,563.72Allstate$9,568.77Travelers$4,474.57Liberty Mutual$3,198.09GEICO$3,621.01
28216CHARLOTTE$4,530.13Allstate$8,427.84State Farm$4,764.99Liberty Mutual$3,198.09Progressive$3,501.10
28254CHARLOTTE$4,465.78Allstate$10,255.09Nationwide$3,723.29Travelers$3,157.47Liberty Mutual$3,198.09
28310FORT BRAGG$4,347.17Allstate$9,218.95Travelers$4,040.19Liberty Mutual$2,815.72Progressive$3,204.08
28308POPE A F B$4,330.29Allstate$9,205.54Travelers$4,040.19Liberty Mutual$2,815.72Progressive$3,149.93
28307FORT BRAGG$4,328.13Allstate$9,218.95Travelers$4,040.19Liberty Mutual$2,815.72Progressive$3,108.69
28314FAYETTEVILLE$4,303.63Allstate$9,039.66Travelers$4,040.19Liberty Mutual$2,815.72Progressive$3,128.85
28303FAYETTEVILLE$4,298.91Allstate$9,039.66Travelers$4,040.19Liberty Mutual$2,815.72Progressive$3,141.24
28311FAYETTEVILLE$4,285.87Allstate$9,039.66Travelers$4,040.19Liberty Mutual$2,815.72Progressive$3,104.17
28305FAYETTEVILLE$4,281.21Allstate$8,991.16Travelers$4,040.19Liberty Mutual$2,815.72Progressive$3,120.02
28301FAYETTEVILLE$4,278.95Allstate$8,991.16Travelers$4,040.19Liberty Mutual$2,815.72Progressive$3,108.85
28390SPRING LAKE$4,274.80Allstate$8,991.91Travelers$4,040.19Liberty Mutual$2,815.72Progressive$3,113.76
28304FAYETTEVILLE$4,270.53Allstate$8,867.89Travelers$4,040.19Liberty Mutual$2,815.72Progressive$3,105.32
28348HOPE MILLS$4,256.98Allstate$8,867.89Travelers$4,040.19Liberty Mutual$2,815.72Progressive$3,092.61
28306FAYETTEVILLE$4,254.96Allstate$8,867.89Travelers$4,040.19Liberty Mutual$2,815.72Progressive$3,064.54
28376RAEFORD$4,234.90Allstate$8,828.60Travelers$4,040.19Liberty Mutual$2,815.72Progressive$3,075.19
28323BUNNLEVEL$4,231.45Allstate$8,632.88Travelers$4,040.19Liberty Mutual$2,815.72Progressive$3,194.30
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Charlotte and Fayetteville’s ZIP codes make a majority of the most expensive ZIP codes.

25 Least Expensive Zip Codes in North Carolina CityAverage Annual Rate by Zip CodesMost Expensive CompanyMost Expensive Annual Rate 2nd Most Expensive Company2nd Most Expensive Annual Rate Cheapest CompanyCheapest Annual Rate 2nd Cheapest Company2nd Cheapest Annual Rate
28701ALEXANDER$2,860.59Allstate$6,059.88Travelers$2,681.73Liberty Mutual$1,865.73Progressive$1,995.50
28715CANDLER$2,862.25Allstate$6,136.08Travelers$2,681.73Liberty Mutual$1,865.73Progressive$2,034.90
28748LEICESTER$2,863.37Allstate$6,059.88Travelers$2,681.73Liberty Mutual$1,865.73Progressive$2,021.11
28787WEAVERVILLE$2,872.11Allstate$6,136.08Travelers$2,681.73Liberty Mutual$1,865.73Progressive$2,018.45
28778SWANNANOA$2,878.07Allstate$6,148.91Travelers$2,681.73Liberty Mutual$1,865.73Progressive$2,028.10
28709BARNARDSVILLE$2,882.94Allstate$6,148.91Travelers$2,681.73Liberty Mutual$1,865.73Progressive$2,072.41
27265HIGH POINT$2,883.83Allstate$6,076.76Travelers$2,750.53Liberty Mutual$1,918.26Progressive$1,993.83
28801ASHEVILLE$2,884.67Allstate$6,385.53Travelers$2,681.73Liberty Mutual$1,865.73Progressive$1,981.45
28730FAIRVIEW$2,886.16Allstate$6,148.91Travelers$2,681.73Liberty Mutual$1,865.73Progressive$2,033.99
28711BLACK MOUNTAIN$2,891.80Allstate$6,227.12Travelers$2,681.73Liberty Mutual$1,865.73Progressive$2,054.26
28804ASHEVILLE$2,892.21Allstate$6,385.53Travelers$2,681.73Liberty Mutual$1,865.73Progressive$1,984.65
27516CHAPEL HILL$2,894.00Allstate$6,543.38Travelers$2,628.40Liberty Mutual$1,833.71Progressive$1,926.80
28704ARDEN$2,896.41Allstate$6,385.53Travelers$2,681.73Liberty Mutual$1,865.73Progressive$1,988.16
28806ASHEVILLE$2,901.40Allstate$6,478.07Travelers$2,681.73Liberty Mutual$1,865.73Progressive$1,972.48
27284KERNERSVILLE$2,904.11Allstate$6,076.76Travelers$2,750.53Liberty Mutual$1,918.26Progressive$1,978.14
27103WINSTON SALEM$2,906.04Allstate$6,155.71Travelers$2,750.53Liberty Mutual$1,918.26Progressive$2,038.99
27023LEWISVILLE$2,906.14Allstate$6,090.04Travelers$2,750.53Liberty Mutual$1,918.26Progressive$2,017.16
27105WINSTON SALEM$2,906.78Allstate$6,155.71Travelers$2,750.53Liberty Mutual$1,918.26Progressive$2,027.48
28805ASHEVILLE$2,907.32Allstate$6,478.07Travelers$2,681.73Liberty Mutual$1,865.73Progressive$2,023.06
27410GREENSBORO$2,908.91Allstate$6,076.76Travelers$2,732.86Liberty Mutual$1,918.26Progressive$2,041.66
27510CARRBORO$2,908.96Allstate$6,703.95Travelers$2,628.40Liberty Mutual$1,833.71Progressive$1,870.94
28803ASHEVILLE$2,909.29Allstate$6,478.07Travelers$2,681.73Liberty Mutual$1,865.73Progressive$2,026.58
27050TOBACCOVILLE$2,910.16Allstate$6,039.60Travelers$2,750.53Liberty Mutual$1,918.26Progressive$2,059.56
27045RURAL HALL$2,911.84Allstate$6,076.76Travelers$2,750.53Liberty Mutual$1,918.26Progressive$2,035.22
27101WINSTON SALEM$2,913.24Allstate$6,155.71Travelers$2,750.53Liberty Mutual$1,918.26Progressive$2,025.74
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North Carolina Car Insurance Rates by City

The table below shows which cities have the most expensive rates.

10 Most Expensive Cities in North Carolina Average Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate 2nd Most Expensive Company2nd Most Expensive Annual Rate Cheapest CompanyCheapest Annual Rate 2nd Cheapest Company2nd Cheapest Annual Rate
Newell$4,563.71Allstate$9,568.77Travelers$4,474.57Liberty Mutual$3,198.09GEICO$3,621.01
Pope Army Airfield$4,330.29Allstate$9,205.54Travelers$4,040.19Liberty Mutual$2,815.72Progressive$3,149.93
Fort Bragg$4,328.13Allstate$9,218.95Travelers$4,040.19Liberty Mutual$2,815.72Progressive$3,108.69
Fayetteville$4,290.15Allstate$9,007.01Travelers$4,040.19Liberty Mutual$2,815.72Progressive$3,122.13
Spring Lake$4,274.80Allstate$8,991.91Travelers$4,040.19Liberty Mutual$2,815.72Progressive$3,113.76
Bowmore$4,234.90Allstate$8,828.60Travelers$4,040.19Liberty Mutual$2,815.72Progressive$3,075.19
Bunnlevel$4,231.45Allstate$8,632.88Travelers$4,040.19Liberty Mutual$2,815.72Progressive$3,194.30
Cumberland$4,153.61Allstate$8,977.75Nationwide$3,754.57Liberty Mutual$2,815.72Progressive$3,064.54
Hope Mills$4,135.67Allstate$8,944.64Travelers$3,802.86Liberty Mutual$2,670.66Progressive$2,928.48
Rex$4,043.21Allstate$9,021.39State Farm$3,678.16Liberty Mutual$2,525.61Progressive$2,824.28
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Now let’s see which cities have the cheapest rates.

10 Least Expensive Cities in North Carolina Average Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate 2nd Most Expensive Company2nd Most Expensive Annual Rate Cheapest CompanyCheapest Annual Rate 2nd Cheapest Company2nd Cheapest Annual Rate
Alexander$2,860.59Allstate$6,059.88Travelers$2,681.73Liberty Mutual$1,865.73Progressive$1,995.50
Candler$2,862.25Allstate$6,136.08Travelers$2,681.73Liberty Mutual$1,865.73Progressive$2,034.90
Leicester$2,863.37Allstate$6,059.88Travelers$2,681.73Liberty Mutual$1,865.73Progressive$2,021.11
Weaverville$2,872.11Allstate$6,136.08Travelers$2,681.73Liberty Mutual$1,865.73Progressive$2,018.45
Swannanoa$2,878.06Allstate$6,148.91Travelers$2,681.73Liberty Mutual$1,865.73Progressive$2,028.10
Barnardsville$2,882.94Allstate$6,148.91Travelers$2,681.73Liberty Mutual$1,865.73Progressive$2,072.41
Black Mountain$2,891.80Allstate$6,227.12Travelers$2,681.73Liberty Mutual$1,865.73Progressive$2,054.26
Arden$2,896.41Allstate$6,385.53Travelers$2,681.73Liberty Mutual$1,865.73Progressive$1,988.16
Carrboro$2,901.48Allstate$6,623.66Travelers$2,628.40Liberty Mutual$1,833.71Progressive$1,898.87
Kernersville$2,904.11Allstate$6,076.76Travelers$2,750.53Liberty Mutual$1,918.26Progressive$1,978.14
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Best North Carolina Car Insurance Companies

There are a lot of car insurance providers out there, and it can be a pain to try and navigate who is the best, and who you can trust.

So let us help you!

Find out who the best providers are, and why, in the state of North Carolina.

North Carolina Companies’ Financial Ratings

The A.M. Best Financial Rating lets you, the consumer, know the strength of a particular insurance company and how well they are doing financially.

CompanyRating
State Farm A++
Nationwide A+
GeicoA++
North Carolina Farm Bureau GroupA
Amtrust NGH GroupNot Rated
AllstateA+
USAAA++
ProgressiveA+
Erie Insurance GroupA+
Liberty Mutual A
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Sometimes it’s more important to know what people say about these companies instead of the financial data. You’re the customer, after all, and you need to be treated well!

Read on to find out about customer reviews.

Companies with the Best Customer Ratings in NC

J.D. Power and Associates conducted a study in 2018 that asked customers in several U.S. Regions how they would rank auto insurance companies.

When it comes to the Southeast Region (where North Carolina falls), Auto-Owner’s insurance is ranked the highest, as “better than most.”

 

2018 U.S. Auto Insurance Study

Companies with the Most Complaints in North Carolina

Every business gets a bad review every now and then. It’s only natural.

But when there are multiple bad reviews and complaints, it’s wise to pay attention.

Here are the companies in North Carolina that customers believe are the worst and have the most complaints, with number one being the company that has the most complaints:

  1. MAPFRE North America
  2. MetLife Auto & Home
  3. Mercury General
  4. Progressive Insurance
  5. Liberty Mutual
  6. Nationwide
  7. Allstate
  8. Farmers Insurance
  9. Berkshire Hathaway Insurance Group (Geico)
  10. State Farm

The information above was gathered from Consumer Reports regarding the state of North Carolina in 2018 and cited on the Charlotte, North Carolina website for WSOC-TV.

North Carolina has your back if you need to file a complaint. Go to the Insurance Complaints Website to file a complaint.

Who has the cheapest car insurance in North Carolina?

CompanyAnnual Average
Allstate P&C$7,190.43
Geico Govt Employees$2,936.69
Liberty Mutual$2,182.71
Nationwide Mutual$2,848.04
Progressive Premier$2,382.61
State Farm Mutual Auto$3,078.65
Standard Fire Ins Co$3,132.66
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When it comes to the cheapest annual rates, Liberty Mutual has the cheapest. It is middle of the road when it comes to customer complaints, and about average when it comes to financial ratings. You must decide, as the consumer, whether you feel paying less is getting your money’s worth!

Commute Rates in North Carolina

CompanyCommute and Annual Mileage (in miles) Annual Average
Allstate10 miles commute. 6000 annual mileage.$7,190.43
Allstate25 miles commute. 12000 annual mileage.$7,190.43
Travelers10 miles commute. 6000 annual mileage.$3,132.66
Travelers25 miles commute. 12000 annual mileage.$3,132.66
State Farm25 miles commute. 12000 annual mileage.$3,093.71
State Farm10 miles commute. 6000 annual mileage.$3,063.59
Geico10 miles commute. 6000 annual mileage.$2,936.69
Geico25 miles commute. 12000 annual mileage.$2,936.69
Nationwide10 miles commute. 6000 annual mileage.$2,848.03
Nationwide25 miles commute. 12000 annual mileage.$2,848.03
Progressive10 miles commute. 6000 annual mileage.$2,382.61
Progressive25 miles commute. 12000 annual mileage.$2,382.61
Liberty Mutual10 miles commute. 6000 annual mileage.$2,182.71
Liberty Mutual25 miles commute. 12000 annual mileage.$2,182.71
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Liberty Mutual, again, seems to be the cheapest, no matter the length of your commute.

North Carolina Auto Insurance Rates

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In North Carolina, the lengthy of your commute has a very negligable effect on your car insurance rates. Compared to some of the other more dramatic factors, it’s not even something companies consider.

Credit History Rates in North Carolina

In North Carolina, your credit history can work for you or against you when it comes to purchasing insurance.

CompanyCredit HistoryAnnual Average
AllstatePoor$9,736.64
AllstateFair$6,309.79
AllstateGood$5,524.87
State FarmPoor$4,327.76
TravelersPoor$3,352.92
GeicoPoor$3,177.49
TravelersFair$3,043.96
TravelersGood$3,001.11
GeicoFair$2,922.17
NationwideFair$2,848.03
NationwideGood$2,848.03
NationwidePoor$2,848.03
State FarmFair$2,763.43
GeicoGood$2,710.39
ProgressivePoor$2,689.33
ProgressiveFair$2,325.80
Liberty MutualFair$2,182.71
Liberty MutualGood$2,182.71
Liberty MutualPoor$2,182.71
State FarmGood$2,144.76
ProgressiveGood$2,132.70
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Liberty Mutual has the best rates, no matter your credit history. If you have good credit overall, Progressive has the best rates.

Driving Record Rates in North Carolina

Much like with credit, your driving record can work for you or against you in North Carolina.

CompanyDriving RecordAnnual Average
AllstateWith 1 DUI$12,757.11
AllstateWith 1 accident$6,855.02
State FarmWith 1 DUI$5,926.55
TravelersWith 1 DUI$5,836.08
GeicoWith 1 DUI$5,666.30
NationwideWith 1 DUI$5,390.16
AllstateWith 1 speeding violation$5,262.09
ProgressiveWith 1 DUI$5,173.29
Liberty MutualWith 1 DUI$4,095.53
AllstateClean record$3,887.51
TravelersWith 1 accident$2,448.95
TravelersWith 1 speeding violation$2,400.64
State FarmWith 1 accident$2,371.17
State FarmWith 1 speeding violation$2,371.17
GeicoWith 1 accident$2,336.01
GeicoWith 1 speeding violation$2,167.56
NationwideWith 1 accident$2,164.71
NationwideWith 1 speeding violation$2,164.71
TravelersClean record$1,844.98
NationwideClean record$1,672.56
Liberty MutualWith 1 accident$1,668.53
Liberty MutualWith 1 speeding violation$1,668.53
State FarmClean record$1,645.72
ProgressiveWith 1 accident$1,642.22
ProgressiveWith 1 speeding violation$1,590.55
GeicoClean record$1,576.88
Liberty MutualClean record$1,298.25
ProgressiveClean record$1,124.37
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Progressive has the best rates for a clean driving record.

Accidents happen, and it seems like Progressive has the best rates if you have minimal speeding violations or minimal accidents.

Largest Car Insurance Companies in North Carolina

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CompanyPremiums WrittenMarket Share
State Farm $915,68615.30%
Nationwide$760,13612.70%
Geico $670,83011.21%
North Carolina Farm Bureau Group$558,3559.46%
Amtrust NGH Group$558,3559.33%
Allstate$503,5018.41%
USAA $449,6877.51%
Progressive $338,2655.65%
Erie Insurance Group $226,8293.79%
Liberty Mutual $175,2502.93%
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Number of Insurers in North Carolina: Domestic vs. Foreign

What in the world do domestic and foreign insurers mean?

The difference is simple.

Domestic means that the insurer is based in-state, or it may be an insurance company only available in the state of North Carolina.

Foreign means it is based out of state, or a company such as Geico that is available in multiple states.

In North Carolina, there are 56 domestic insurers and 855 foreign insurers.

Laws in North Carolina

To keep rates on car insurance low, it helps to know the laws in North Carolina.

Never fear! This guide will help you with knowing all the facts.

North Carolina’s Car Insurance Laws

Each state can have different rules and different laws, so it helps to read up on all of them.

To stay in the know, read up on the North Carolina laws here. The sections below get a little more detailed.

North Carolina’s Windshield & Glass Repair Laws

Oh no! The unthinkable has happened. That tiny crack in your windshield is starting to become a big one.

Are insurers required to pay for windshield repairs? It looks like from research, yes, they are.

You can choose where the repairs are done, and the insurance company must use aftermarket parts that are equal to the original parts they are replacing. By law G.S. 58-3-180, “it is a violation for an automobile repair facility or parts person to place a nonoriginal crash repair part, nonoriginal windshield, or nonoriginal auto glass on a motor vehicle and to submit an invoice for an original repair part.”

High-Risk Insurance in North Carolina

North Carolina high-risk insurance is for people who have had past driving violations or no experience behind the wheel, or poor credit. Car insurance premiums will be high as a result.

From research, it looks like insurance rates will either increase or decrease according to the North Carolina Safe Driver Incentive Plan.

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Low-Cost Insurance in North Carolina

The Safe Driver Incentive Plan is the easiest way to get low-cost auto insurance in North Carolina. Be a safe driver, and enjoy the discounts!

More information on the SDIP is down below.

North Carolina Safe Driver Incentive Plan (SDIP)

It pays to be a safe driver in North Carolina.

The North Carolina Safe Driver Incentive Plan (SDIP) is, according to the North Carolina Department of Insurance,

a financial incentive to practice safe driving habits. SDIP points are charged as follows for convictions and at-fault accidents occurring during the
Experience Period (the three-year period preceding either the date an individual applies for coverage or the insurance company prepares to
renew an existing policy).

If you drive safely, you save money.

No SDIP

However, if you rack up the points, your insurance rates will go up.

SDIP

Automobile Insurance Fraud in North Carolina

“Insurance Fraud: Recognize it. Report it. Protect yourself.”

The Department of Insurance in North Carolina is charged with protecting its customers from insurance fraud.

Ten percent of all insurance claims involving some degree of fraud — totaling nearly $120 billion per year lost.

The Department of Insurance warns you to be on the lookout for the most common types of insurance schemes in North Carolina:

  • Automobile repair fraud.
  • Staged automobile accidents.
  • Fraudulent billing of customers for medical services.
  • Property claims adjusting.
  • Property repair.

The DOI is there to help you. However, they also want you to be proactive. How can you protect yourself?

Protect

The Statute of Limitations in North Carolina

If you are in any kind of accident, you have until the day of the accident to a set amount of time to file charges or file a claim. This length of time is known as the statute of limitations. It protects both you and the other party by giving each of you a set amount of time to bring charges forth.

In North Carolina, the statute of limitations is three years for either personal injury or property damage cases.

North Carolina’s Vehicle Licensing Laws

To be able to operate a vehicle in the state of North Carolina, you must have insurance, and also a license. Keep on reading to find out more about the specifics and the rules of the road.

Penalties for Driving Without Insurance

The penalties for driving without insurance are steep.

  • First offense: $50 civil penalty; license/registration suspended for 30 days and $50 reinstatement fee; 45-day probation.
  • Second offense: $100 civil penalty; license/registration suspended for 30 days and $50 reinstatement fee; 45-day probation.
  • Third and subsequent offenses: $150 civil penalty; license/registration suspended for 30 days and $50 reinstatement fee; 45-day probation.

Remember that you must have the required insurance and/or forms of financial responsibility in your vehicle at all times.

Teen Driver Laws in North Carolina

If you are the parent of a teen driver, or if you’re a teen driver yourself, it is important to know that a teen cannot get a full-fledged license right off the bat. If you are between the ages of 15-17, you go through a process called graduated licensing.

What is graduated licensing?

It is a series of strict requirement teens must follow before they can receive a full driver’s license.

What are those requirements? Find out in the table below.

Teen Driving Laws in North Carolina Requirements #1Requirements #2Requirements #3
To get a learners license you must:
Have a minimum age of 15. Pass a driver's education course. Receive a driver's eligibility and a driver's education certificate.
Before getting a license or restricted license you must:Have a minimum age of 16. Have a mandatory holding period of 12 monthsHave 60 hours of supervised driving time. 10 hours must be at night;.
RestrictionsNighttime restrictions from 9 p.m. to 5 a.m. No more than one passenger younger than 21. -
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Important to know: if you are younger than 18, you are banned from using a cellphone to talk or text. The texting ban is primarily enforced for all drivers, no matter your age.

Older Driver Laws in North Carolina

The rules for older drivers in North Carolina? Pretty straightforward.

  • Older Population License Renewal: Five years for people 66 years and older
  • Proof of vision required: every renewal.
  • Mail or online renewal permitted: Yes, for every other renewal.

You can save yourself a trip to the DMV every five years by renewing online. Now that’s what I call convenience!

New Residents of North Carolina

Moving to North Carolina?

You must register and title your vehicle, as well as get a North Carolina license, within 60 days of moving to the state.

You should also familiarize yourself with the North Carolina driver’s handbook since every state is different with their laws and regulations.

License Renewal Procedures in North Carolina

When it comes to renewing your license, you must have a current or expired license with you at the time of renewal. If you do not have these, you must present two forms of identification.

The North Carolina DMV will make sure to send you a renewal card 60 days before your license expires, but you can renew your license 180 days before its expiration date.

Good news! If you don’t have a restriction on your driver’s license and if you have a Class C driver’s license, you can renew online!

North Carolina REAL ID

Starting October 1, 2020, federal agencies will endorse what is known as the REAL ID Act, which requires you to have a REAL ID U.S. Passport or another federally approved ID to board flights or enter federal buildings.

REAL ID

In North Carolina, a REAL ID is optional and not required to drive, but it is recommended if you fly a lot in the United States.

Here is what you need if you want to apply for a REAL ID in North Carolina!

Rules of the Road in North Carolina

It is important to know the rules of the road so you can be a responsible driver in the state of North Carolina. Read on to find out more…

Fault vs. No-Fault

Remember, North Carolina is an at-fault state. This means that the person who was at fault in the accident is the one who has to pay for any damage or injuries sustained.

Seat Belts and Car Seat Laws

North Carolina takes seat belt and car seat laws VERY seriously, as they are primarily enforced. This means if a police officer sees you not wearing your seat belt or doesn’t see a child in a car seat, they will stop you.

If your child is 7 years old or younger and less than 80 pounds, they must be in a car seat. If your child is 4 years old or younger and less than 40 pounds, they must be in the rear seat.

A $25 fine applies if you are not wearing your seat belt or if your child is not in a car seat.

Keep Right and Move Over Laws

In North Carolina, the laws are as follows:

State law requires drivers approaching a stationary emergency vehicle displaying flashing lights, including towing and recovery vehicles, traveling in the same direction, to vacate the lane closest if safe and possible to do so, or slow to a safe speed. Also included in the law are utility vehicles, municipal vehicles, and road maintenance vehicles.

If you are in the left lane, slow driving is not allowed if you are traveling under the speed

Speed Limits

In North Carolina, the speed limit is 70 miles per hour on rural interstates, urban interstates, and other limited access roads. All other roads have a limit of 55 miles per hour.

Ridesharing

Share the Ride!

In North Carolina, you can quickly find commute partners with the use of their website!

Automation

When it comes to automated vehicles, North Carolina is one of 12 states that have authorized the full deployment of automated vehicles.

Other important pieces of information to know:

  • Depending on the level of automation, an operator may or may not need to be licensed.
  • An autonomous vehicle in North Carolina does not require an operator.
  • Autonomous vehicles in North Carolina do require liability insurance.

Safety Laws in North Carolina

DWI Laws

North Carolina’s DWI Laws are some of the strictest in the United States.

You are considered Driving While Intoxicated if you have a BAC of .08 or higher (if you are 21 or older) or .04 if you are a commercial driver. Younger than 21, any BAC is considered Driving While Intoxicated.

With a DWI offense, you have to deal with a driver’s license suspension (handled separately by the DMV), and your criminal case, depending on what “level” of DWI you are charged with. The higher your BAC, the more severe your penalties will be. Watch it explained in this video:

Can’t see the video? Here are the levels explained:

  • Level V: $200 fine, a minimum jail sentence of 24 hours and a maximum of 60 days.
  • Level IV : $500 fine, a minimum jail sentence of 48 hours and a maximum of 120 days.
  • Level III : $1,000 fine, a minimum jail sentence of 72 hours and a maximum of six months.
  • Level II: $2,000 fine, a minimum jail sentence of seven days and a maximum of one year.
  • Level I: $4,000 fine, a minimum jail sentence of 30 days and a maximum of two years.

A DWI turns into a felony if the following is found out:

• Three DWI Convictions within the past seven years.
• Serious injury caused while driving.
• Death caused while driving.

The penalty is a minimum of one year in state prison.

Marijuana-Impaired Driving Laws

There is no marijuana-specific law in the state of North Carolina, but it doesn’t mean you won’t get in trouble for driving under the influence.

Distracted Driving Laws

When it comes to distracted driving, the laws are as follows, according to AAA:

Text messaging and emailing while driving are prohibited for all drivers. Limited learner’s permit and provisional driver’s license holders, and drivers under 18, are prohibited from all cell phone use. School bus drivers are not permitted to use cell phones.

However, in 2018, 123 deaths were attributed to distracted driving. With this in mind, North Carolina lawmakers are now pushing for the Hands-Free NC Act.

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North Carolina Can’t-Miss Facts

So many new pieces of information and facts! But we’re not done yet.

Let’s continue with the guide…

Vehicle Theft in North Carolina

Vehicle theft is definitely an annoyance, and it can be attributed to the type of car you own. Here are the top 10 vehicles stolen in the state of North Carolina:

VehicleYearThefts
Honda Accord1997609
Ford Pickup (Full Size)2004424
Chevrolet Pickup (Full Size)2003370
Honda Civic2000350
Toyota Camry2014291
Nissan Altima2015249
Jeep Cherokee/Grand Cherokee1999203
Chevrolet Impala2006194
Toyota Corolla2014190
Ford Explorer2003185
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The Honda Accord takes over the number one spot for the most stolen vehicle!

Dangers on the Road in North Carolina

The best way to stay out of danger on the roads is to drive defensively and be aware of common issues in North Carolina.

Fatal Crashes by Weather Condition and Light Condition

Weather and the time of day can contribute to traffic fatalities.

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal6191323844721,184
Rain3818317094
Snow/Sleet412209
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In normal weather conditions, during the day, North Carolina had 619 traffic fatalities.

There were fatalities in other instances, but remember to always keep your eye on the road!

Fatalities (All Crashes) by County

County20132014201520162017
Alamance239241526
Alexander86641
Alleghany40212
Anson78216
Ashe52672
Avery20332
Beaufort1375611
Bertie511678
Bladen16941610
Brunswick1313121530
Buncombe3529362532
Burke91681617
Cabarrus1917242317
Caldwell8912106
Camden14002
Carteret84493
Caswell24676
Catawba2124281519
Chatham1212121513
Cherokee655611
Chowan03123
Clay21223
Cleveland916203310
Columbus2218142630
Craven171016199
Cumberland5340434343
Currituck44495
Dare72242
Davidson3124283423
Davie47679
Duplin9172089
Durham2526252231
Edgecombe8911714
Forsyth2734404242
Franklin12471914
Gaston2331402923
Gates35432
Graham53352
Granville818121212
Greene33515
Guilford4457575966
Halifax129121012
Harnett2723232234
Haywood7681410
Henderson91691412
Hertford31478
Hoke611151518
Hyde01101
Iredell2227182331
Jackson576104
Johnston2836273432
Jones22133
Lee15721819
Lenoir711993
Lincoln127191414
Macon49587
Madison34336
Martin53274
Mcdowell109585
Mecklenburg676980103114
Mitchell40220
Montgomery4103813
Moore926161919
Nash2124242717
New Hanover1818222018
Northampton79529
Onslow2523242018
Orange1510121210
Pamlico23530
Pasquotank03442
Pender1519141617
Perquimans50210
Person67639
Pitt2116322221
Polk56423
Randolph2223261725
Richmond1295179
Robeson4232533853
Rockingham131115208
Rowan2727232014
Rutherford11146611
Sampson1310252418
Scotland989510
Stanly108111312
Stokes98997
Surry111816188
Swain52121
Transylvania37517
Tyrrell00000
Union2118162728
Vance1391099
Wake7363658153
Warren036106
Washington00323
Watauga431254
Wayne2622172413
Wilkes1013121112
Wilson1314151820
Yadkin66886
Yancey33351
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This shows the fatalities over the course of five years.

Traffic Fatalities: Rural vs. Urban

Region Type2008200920102011201220132014201520162017
Rural1,010964945835901861896910902903
Urban418349375394398426388468543509
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This shows the fatalities over the course of 10 years.

Interestingly, rural areas have a lot more traffic fatalities than in urban areas. This may be due to the fact that North Carolina is mainly a rural state.

Fatalities by Person Type

Person20132014201520162017
Passenger Car533517605582581
Light Truck - Pickup149152154177151
Light Truck - Utility146144149184170
Light Truck - Van4352395551
Light Truck - Other10113
Large Truck1620192029
Bus00040
Motorcyclists189190192185176
Pedestrian174172182200198
Bicyclist and Other Cyclist2219231729
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This shows the fatalities over the course of five years.

Passenger cars, motorcyclists, and pedestrians have a high rate of fatalities in this five-year timespan.

Fatalities by Crash Type

Crash Type20132014201520162017
Single Vehicle743756751819765
Involving a Large Truck139121129152164
Involving Speeding413497547566423
Involving a Rollover311336332361360
Involving a Roadway Departure775771803889798
Involving an Intersection (or Intersection Related)239230256245268
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This shows the fatalities over the course of five years.

Five-Year Trend for the Top 10 Counties in North Carolina

County20132014201520162017
Mecklenburg County676980103114
Guilford County4457575966
Robeson County4232533853
Wake County7363658153
Cumberland County5340434343
Forsyth County2734404242
Harnett County2723232234
Buncombe County3529362532
Johnston County2836273432
Durham County2526252231
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Fatalities Involving Speeding by County

County20132014201520162017
Alamance112648
Alexander52201
Alleghany00101
Anson14010
Ashe00110
Avery10020
Beaufort01121
Bertie34324
Bladen31163
Brunswick44458
Buncombe981589
Burke26252
Cabarrus8413125
Caldwell25562
Camden00000
Carteret22241
Caswell12443
Catawba311554
Chatham32383
Cherokee11511
Chowan01023
Clay10101
Cleveland198182
Columbus65276
Craven36682
Cumberland1514142513
Currituck21011
Dare11100
Davidson1312141712
Davie13255
Duplin29430
Durham611111017
Edgecombe16752
Forsyth1112101411
Franklin32155
Gaston615121410
Gates22311
Graham22220
Granville35247
Greene11401
Guilford1327252619
Halifax45628
Harnett131113914
Haywood13342
Henderson29342
Hertford10351
Hoke221269
Hyde00101
Iredell46873
Jackson14353
Johnston101117149
Jones00021
Lee827210
Lenoir02221
Lincoln41964
Macon15322
Madison04233
Martin02232
Mcdowell24313
Mecklenburg2819444941
Mitchell10100
Montgomery23142
Moore313593
Nash413995
New Hanover58864
Northampton01111
Onslow10121665
Orange115734
Pamlico22310
Pasquotank02110
Pender78605
Perquimans00100
Person24212
Pitt75742
Polk24210
Randolph8101497
Richmond40173
Robeson1920182020
Rockingham25692
Rowan118673
Rutherford46232
Sampson50772
Scotland33613
Stanly55353
Stokes23342
Surry46522
Swain20020
Transylvania14206
Tyrrell00000
Union158711
Vance64242
Wake292124336
Warren01033
Washington00011
Watauga21641
Wayne576115
Wilkes15533
Wilson54448
Yadkin45411
Yancey11241
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Fatalities Involving Alcohol-Impaired Driving by County

County20132014201520162017
Alamance636410
Alexander22210
Alleghany10000
Anson13002
Ashe10031
Avery10100
Beaufort32011
Bertie02333
Bladen50064
Brunswick554511
Buncombe49597
Burke33134
Cabarrus35893
Caldwell15653
Camden00001
Carteret12101
Caswell12232
Catawba610856
Chatham51235
Cherokee31313
Chowan01011
Clay00110
Cleveland365134
Columbus85274
Craven53361
Cumberland1511121711
Currituck02101
Dare01001
Davidson689108
Davie02122
Duplin35321
Durham4116712
Edgecombe32345
Forsyth812101812
Franklin21356
Gaston3101085
Gates01101
Graham00100
Granville34333
Greene20201
Guilford1414192026
Halifax54515
Harnett96877
Haywood02032
Henderson13023
Hertford10144
Hoke13856
Hyde00100
Iredell78488
Jackson22122
Johnston6561212
Jones00010
Lee71724
Lenoir41231
Lincoln62745
Macon13021
Madison11122
Martin11210
Mcdowell12100
Mecklenburg2625293940
Mitchell00000
Montgomery12123
Moore29775
Nash78494
New Hanover58665
Northampton12113
Onslow961247
Orange63743
Pamlico00210
Pasquotank01020
Pender76533
Perquimans10100
Person24211
Pitt441044
Polk00110
Randolph49756
Richmond44021
Robeson13916916
Rockingham31254
Rowan95473
Rutherford25102
Sampson44835
Scotland13234
Stanly51251
Stokes41242
Surry24551
Swain01000
Transylvania10102
Tyrrell00000
Union56588
Vance54542
Wake2919182719
Warren01132
Washington00000
Watauga22522
Wayne84565
Wilkes23333
Wilson63578
Yadkin01342
Yancey00200
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Teen Drinking and Driving

Remember, the DWI Laws in North Carolina are some of the strictest in the United States.

Here are some of the sobering facts about drunk driving in North Carolina, and here are the facts when it comes to teens:

Teens and Drunk DrivingDetails
Alcohol-Impaired Driving Fatalities Per one million people1.5
Higher/Lower Than National Average (1.2)Higher
DUI Arrests (Under 18 years old)201
DUI Arrests (Under 18 years old) Total Per Million People87.44
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EMS Response Time: Rural vs. Urban

Region TypesTime of Crash to EMS
Notification
EMS Notification to
EMS Arrival
EMS Arrival at Scene
to Hospital Arrival
Time of Crash to Hospital
Arrival
Rural6 minutes10 minutes41 minutes48 minutes
Urban3 minutes8 minutes29 minutes37 minutes
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The response times in both rural and urban areas are excellent. Both areas take under an hour from the time of the crash to hospital arrival.

Transportation

If you live in Arizona, chances are you live in a two-car (or more!) household, drive alone to work, and spend a hefty amount of your day commuting!

Car Ownership

Most people in North Carolina live in a two-car household.

Car Ownership

Commute Time

With an average commute time of 23.1 minutes, North Carolina ranks above the national average!

Commuter Transportation

1.8 percent of North Carolina residents report a super-commute, which is spending 90 minutes or more of your time commuting.

Commuter Transportation

Commuter

86.1 percent of the workforce report driving in to work alone. 9.2 percent carpool, and 5.4 percent work at home.

Top Cities for Traffic Congestion

By the year 2040, North Carolina’s population looks to increase by 3 million, according to North Carolina DOT (as cited by WRAL). This is why the DOT is gathering data from North Carolina residents so it can better plan for the future.

When it comes to traffic, only two North Carolina cities are the worst: Greensboro and Charlotte rank 209th and 91st, respectively, for the worst traffic in the WORLD, according to the INRIX Global Traffic scorecard. Greensboro residents lose 43 hours a week (almost totaling two days) to congestion, whereas Charlotte residents lose 95 hours a week. That’s a total of almost four days!

And according to experts, congestion in Charlotte is likely to only get worse.

Want to get a first-hand sense of just how bad traffic congestion in Charlotte is?

Want to see further stats on how bad North Carolina traffic is?

In Greensboro, drivers see an increase of 9 percent extra travel time. This amounts to minutes extra minutes per day and 33 extra hours per year. When it’s morning traffic, drivers see an increase of 11 percent extra travel time, and in the evenings, drivers see an increase of 17 percent extra travel time.

Highways seem a bit easier to travel on, as they see a 2 percent increased as opposed to non-highways, which see a 17 percent increase.

In Charlotte, drivers see an increase of 17 percent extra travel time. This amounts to 23 extra minutes per day and 90 extra hours per year. When it’s morning traffic, drivers see an increase of 28 percent extra travel time, and in the evenings, this increase nearly DOUBLES at 48 percent.

Highways seem a bit easier to travel on, as they see an 8 percent increased as opposed to non-highways, which see a 27 percent increase.

Let’s break this down even further into several other factors: traffic index, time index, and inefficiency index:

  • Traffic index: Time consumed in traffic.
  • Time index: the average time, one-way, that is spent in a commute.
  • Inefficiency index: estimation of “inefficiencies”, such as people driving a car instead of carpooling or taking public transport.

These factors are not listed for Greensboro, but they are for Charlotte.

  • Traffic index: 183.17 hours.
  • Time index (in minutes): 38.02 minutes.
  • Inefficiency index: 222.03 hours.

Get an idea of what driving on the highways is like:

We hope this guide about car insurance and the rules/laws in North Carolina has helped you!

Don’t waste another minute. Start comparison shopping car insurance rates today!

References:

  1. https://www.ncarts.org
  2. https://ncartmuseum.org/
  3. https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
  4. https://www.nolo.com/legal-encyclopedia/north-carolina-car-insurance-requirements.html
  5. https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/default.aspx
  6. https://www.ncdoi.com/_publications/consumer%20guide%20to%20automobile%20insurance_cau1.pdf
  7. http://www.ncga.state.nc.us/EnactedLegislation/Statutes/PDF/BySection/Chapter_20/GS_20-279.21.pdf
  8. https://www.ncleg.net/EnactedLegislation/Statutes/PDF/BySection/Chapter_20/GS_20-309.pdf
  9. https://www.ncdot.gov/dmv/title-registration/insurance-requirements/Pages/insurance-plates.aspx
  10. https://docs.google.com/spreadsheets/d/1aPdwFShabGVdZqHQIGRp8ZMr3ujlvuqKDThApi0fF3Y/edit#gid=450914482
  11. https://smartasset.com/taxes/north-carolina-tax-calculator
  12. https://www.charlotteobserver.com/opinion/opn-columns-blogs/o-pinion/article19804203.html
  13. https://www.quicken.com/taking-inventory-your-personal-finances-how-much-your-paycheck-should-you-budget-bills-s
  14. https://www.naic.org/
  15. https://www.lawyernc.com/blog/2018/10/10-frequently-asked-questions-about-north-carolina-auto-insurance/
  16. https://www.tomorrowmakers.com/motor-insurance/understanding-benefits-7-major-car-insurance-riders-listicle
  17. https://www3.ambest.com/ambv/ratingmethodology/OpenPDF.aspx?rc=238151
  18. https://www.wsoctv.com/consumer/clark-howard/clark-your-life/best-and-worst-auto-insurance-companies/534432957
  19. https://www.nc.gov/services/insurance-complaints
  20. https://www.iihs.org/iihs/topics/laws/statelaws?stateabbr=NC
  21. https://www.ncleg.net/EnactedLegislation/Statutes/HTML/BySection/Chapter_58/GS_58-36-95.html
  22. http://www.ncdoi.com/_Publications/It%20Pays%20to%20Be%20a%20Safe%20Driver%20Insurance%20Points_CAU1.pdf
  23. https://www.ncdoi.com/_Publications/Insurance%20Fraud%20in%20North%20Carolina_CIF1.pdf
  24. https://statelaws.findlaw.com/accident-and-injury-laws/details-on-state-civil-statute-of-limitations.html
  25. https://www.ncdot.gov/dmv/license-id/driver-licenses/new-drivers/Pages/teen-drivers.aspx
  26. https://www.drivinglaws.org/teen/ncteen.php
  27. https://www.ncdot.gov/dmv/help/moving/Pages/new-residents.aspx
  28. https://edmv.ncdot.gov/DriverLicenseRenewal/
  29. https://www.ncdot.gov/dmv/license-id/nc-real-id/Pages/default.aspx
  30. https://connect.ncdot.gov/business/DMV/REALIDToolkitDocuments/REAL%20ID%20Requirement%20List.pdf
  31. https://www.iihs.org/iihs/topics/laws/safetybeltuse?topicName=safety-belts
  32. https://drivinglaws.aaa.com/tag/move-over-law/
  33. https://www.sharetheridenc.org/Public/Home.aspx
  34. https://www.iihs.org/iihs/topics/laws/driving-automation
  35. https://statelaws.findlaw.com/north-carolina-law/north-carolina-dwi-laws.html
  36. http://www.ncdot.gov/dmv/driver/license/violation/
  37. https://drivinglaws.aaa.com/tag/distracted-driving/
  38. https://www.cdc.gov/motorvehiclesafety/pdf/impaired_driving/drunk_driving_in_nc.pdf
  39. https://datausa.io/profile/geo/arizona/#category_transportation
  40. http://businessnc.com/nc-trend-super-commuters-have-a-double-life/
  41. https://www.wral.com/state-local-leaders-seek-best-route-for-nc-s-transportation-future/18112270/
  42. https://www.wral.com/frustrated-with-traffic-ncdot-uses-data-not-feelings-to-open-up-congested-roads/16750167/
  43. http://inrix.com/scorecard/
  44. http://www.wbtv.com/story/35466735/traffic-expert-weighs-in-on-charlotte-area-congestion/
  45. https://www.tomtom.com/en_gb/trafficindex/list?citySize=ALL&continent=NA&country=US