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: May 12, 2020

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • One good resource for information about car insurance companies in North Carolina is the state department of insurance website
  • To find the best coverage for your needs, choose three or four different insurance companies and visit their websites to learn about what kinds of coverage they offer
  • The state does not have “no fault” insurance and many residents find it is financially smarter to have increased coverage to decrease the potential for financial liability in case of an accident.

When you need car insurance in North Carolina, it is a good idea to research several different companies with our free car insurance quote comparison tool to find the best rates and the best coverage for your needs.

North Carolina requires auto insurance in order for you to legally drive in the state.

Although you may have insurance in another state, if you become a permanent resident, you will need to find coverage for North Carolina car insurance when you register your car.

Start today with our free insurance comparison tool above and start comparing today!

Table of Contents

North Carolina Department of Insurance

One good resource for information about car insurance companies in North Carolina is the state department of insurance website.

This site will provide you with information about any insurance company that is licensed to offer insurance in the state. Additionally, you can learn about the number of complaints filed against each company.

Complaints are rated based on the number of complaints per $1 million of premiums written by each company.

For example, if an insurance company has a rating of 1.25, there were only 1.25 complaints for every $1 million of policy premiums for the previous year.

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North Carolina Car Insurance Requirements

Like most states, you are required to carry auto insurance to legally drive. Minimum car insurance requirements are as follows:

  • $30,000 of coverage for bodily injury from a single accident
  • $60,000 in coverage for combined bodily injury sustained by all parties involved in an accident
  • $25,000 in property damage liability coverage

Although these car insurance requirements are higher than most states, many people in North Carolina carry higher rates of coverage.

The state does not have “no fault” insurance and many residents find it is financially smarter to have increased coverage to decrease the potential for financial liability in case of an accident.

Finding Car Insurance Quotes in North Carolina

There are several ways to find car insurance quotes in North Carolina. One of the easiest ways is to search online.

You can find numerous insurance websites that will provide you with quotes from several different auto insurance companies licensed to offer coverage in the state.

Online car insurance quotes are a great way to get quotes because you usually only have to enter your information one time and insurance companies will either send you a quote via email or contact you with a telephone call to provide you with detailed information about coverage limits and policy premiums.

Another method to find insurance quotes is to review insurance company websites for coverage information and premium rates.

Top rated car insurance companies in North Carolina are Geico, Farmers, Allstate, Progressive and State Farm.

There are literally hundreds of auto insurance companies to choose from in the state when you are looking for auto insurance.

To find the best coverage for your needs, choose three or four different insurance companies and visit their websites to learn about what kinds of coverage they offer.

Often, companies like Geico, Farmers, and Allstate also offer car insurance discounts if you purchase additional types of car insurance policies from them, such as homeowners or rental insurance.

You can also find excellent information about car insurance in North Carolina by talking directly to an independent insurance agent.

One of the advantages of working with an independent insurance agent is that they usually can offer you quotes from several companies.

They can provide you with personal attention and determine what the best levels and types of coverage will work for you.

Geico Insurance

Geico Insurance is one of the top rated auto insurance companies in North Carolina.

In addition to standard types of auto insurance, they also have coverage for recreational vehicles, motorcycles, snowmobiles, boats, and commercial vehicles.

Auto insurance policies include additional service benefits, such as emergency road service, mechanical breakdown service and reimbursement for car rental if your car is damaged in an accident.

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Allstate Insurance

Allstate Insurance is an auto insurance company that has been in business for many, many years. They are among the top rated car insurance companies in North Carolina.

They offer numerous discounts for the policyholders and state that their goal is to reduce policy premiums for customers.

Among the discounts available are safe driver discounts, good student discounts, for vehicles that have factory-installed passive restraint systems such as motorized seatbelts and air bags, and multiple policy discounts.

State Farm Insurance

State Farm Insurance is also one of the top rated car insurance companies in North Carolina.

In addition to offering cheap car insurance rates and having a low rate of complaints, they offer the policyholders the benefit of significant discounts for multiple policies, lowered rates for older drivers and those who take special driving awareness classes.

In addition to auto insurance, they also offer homeowners insurance, rental insurance, health insurance, annuities and business insurance.

Progressive Insurance

Progressive Insurance is rated as one of the top auto insurance companies in the nation and in North Carolina.

They not only offer auto insurance through their company website but can also purchase car insurance from Progressive through an independent insurance agent.

Progressive offers the policyholders a roadside assistance program as part of their policy coverage.

Additionally, they have concierge service for claims. If you are involved in an accident, you can file a claim and one of their service representatives will walk you through the entire claims process, from start to finish.

This service includes scheduling an appointment at a service center for an adjuster to review the vehicle, providing you with a written estimate for repairs and arranging repair work to be performed.

They can arrange for a rental car while your car is being repaired and they will guarantee the repair for as long as you own or lease the car.

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Securing Car Insurance in North Carolina

Finding the best North Caroline car insurance is a matter of understanding the required levels of insurance coverage and deciding which company will provide you with the best rates and coverage for your needs.

Numerous companies offer car insurance coverage in North Carolina. Compare quotes from top companies for free with our quote search tool!

You can purchase required insurance directly from the insurance company, get quotes from insurance websites or talk with an independent insurance agent.

The fastest way to receive a free car insurance quote is with our insurance comparison tool below!