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north carolina car insurance

North Carolina's state motto is "To be, rather than to seem." And we can't think of better words to describe the type of innovative coverage Esurance brings to the Tar Heel State.

We don't just talk about great customer service; we offer 24/7 guidance and comprehensive, award-winning web content unlike anything else you'll find. We don't pretend to be cutting-edge; we create real-life, tech-driven tools that save you time and hassle. And, of course, we don't make vague promises about affordable North Carolina auto insurance; we bring an array of discounts tastier than a hickory-smoked hog.

Grab a North Carolina car insurance quote and find out what it's like to have coverage that doesn't just seem like the real deal — but actually is.

money-saving north carolina car insurance discounts

When you get your quote with Esurance, you may qualify for these big discounts built to save motorists a bundle:

  • Claim-Free discount
  • Defensive Driver discount
  • Fast 5® discount
  • Homeowners discount
  • Multi-Car discount
  • Paid-in-Full discount
  • Switch & Save® discount

These auto insurance savings are subject to eligibility. If you're a current customer with questions about your discounts, give us a call at 1-800-ESURANCE (1-800-378-7262).

car insurance coverages in north carolina

Required coverages

The state requires its drivers to maintain car insurance policies that include liability insurance with the following minimum limits:

  • $30,000 of bodily injury liability coverage per person
  • $60,000 of bodily injury liability coverage per incident
  • $25,000 of property damage liability coverage per incident

You might see these limits written as 30/60/25.

North Carolina auto insurance must also include uninsured/underinsured motorist coverage with the same minimum limits. This coverage offers financial protection from drivers who are uninsured or lack sufficient coverage.

You can choose higher limits for any required coverages when you get your North Carolina car insurance quote.

Optional coverages

Tar Heel State residents know the importance of having choices — when it comes to their style of BBQ, their favorite college hoops team, and, yes, their coverage options.

In addition to required North Carolina auto insurance, drivers can also choose from these possible coverages:

  • Collision coverage
  • Comprehensive coverage
  • Medical payments coverage
  • Extended transportation expense (rental car) coverage
  • Towing and labor coverage
  • Customized parts and equipment coverage
  • Audio, visual, and data electronic equipment coverage

esurance-approved car repair shops in nc

If you're an Esurance customer, you can take your car to an E-star® shop and take advantage of RepairView® as well as guaranteed repairs for as long as you own the car.

Find an E-star shop near you.

factors that can impact your rates

The following can affect your NC car insurance rates:

  • ZIP Code where your car is parked
  • Driving record and any SDIP points
  • Any discounts you may qualify for
  • The coverages, limits, and deductibles you choose
  • Year, make, and model of your car
  • Main driving purpose (commuting, Sunday drives, etc.)
  • Insurance score based on credit and other factors
  • Coverages, limits, and deductibles you choose

more info on north carolina auto insurance

North Carolina's Safe Driver Incentive Plan

The state uses the Safe Driver Incentive Plan (SDIP) to make sure good drivers are rewarded with lower North Carolina car insurance rates.

In practice, SDIP works hand-in-hand with your driving record by adding points for violations and certain at-fault car accidents. Each point correlates to a significant increase in premium. Earning just one point, for instance, can lead to a 30 percent increase in your annual NC car insurance rates.

By maintaining a clean driving record with zero SDIP points, you can expect to pay less for North Carolina auto insurance than drivers with a riskier history.

Proof of insurance

Car insurance companies supply North Carolina drivers with insurance ID cards. You can also use Form DL-123, your original liability insurance policy contract, or a valid binder to show proof of your car insurance in North Carolina.

A licensed insurance agent can help you get a DL-123.

Uninsured drivers in North Carolina

A 2011 report from the Insurance Research Council estimated that 14 percent of North Carolina drivers were uninsured in 2009. That was on par with the national average of 13.8 percent.

Uninsured motorist coverage can come in handy after an accident caused by an uninsured driver.

Reinsurance facility for high-risk drivers

North Carolina law mandates that car insurance companies cannot refuse to cover potential customers with the state-required liability limits. If an insurer deems a driver too risky, the company can place the customer into the "reinsurance facility." The goal of this "facility" is to make sure North Carolina drivers have access to car insurance coverage.

Reinsurance facility customers can choose the following coverages up to a maximum limit:

  • Bodily injury liability per person: $100,000
  • Bodily injury liability per accident: $300,000
  • Property damage liability per accident: $50,000
  • Medical payments coverage per person: $2,000
  • Uninsured motorist coverage per person: $1,000,000

Related links

North Carolina's official guide to car insurance (PDF)
Get a deeper understanding of the state's insurance rules and regulations.

Esurance's discounts
Find out more about our money-saving discounts, including where they're offered and how to get them.

Wonder if you could be saving on car insurance?

Get your free quote online

or call 1-800-378-7262