north carolina car insurance
Welcome to our guide to car insurance in the Tar Heel State. Car insurance is never simple, but this fact sheet can give you a better understanding of how insurance operates in your home state.
North Carolina car insurance
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 also requires uninsured/underinsured motorist coverage with the same minimum limits. This coverage offers financial protection from drivers who are uninsured or lack sufficient coverage.
Esurance in North Carolina
Good news, Tar Heels: Esurance has arrived.
Optional car insurance coverages
- Collision coverage
- Comprehensive coverage
- Medical payments coverage
- Extended Transportation Expense (rental car) coverage
- Towing and labor
- Customized parts and equipment coverage
- Audio, Visual, and Data Electronic Equipment coverage
Money-saving discounts available
- Anti-Theft Device discount
- Claim-Free discount
- Defensive Driver discount
- Fast 5® discount (for starting a quote online)
- Good Student discount
- Homeowners discount
- Multi-Car discount
- Paid-in-Full discount
- Safety Device discount
Find out more about our discounts.
Discounts are subject to eligibility. If you're a current policyholder with questions about your discounts, give us a call at 1-800-ESURANCE (1-800-378-7262).
Why you pay what you pay for car insurance
The following can affect your car insurance rates:
- Where you live
- Driving record and any SDIP points
- The coverages, limits, and deductibles you choose
- Type of car you drive
- How you use your car (commuting, Sunday drives through the
- Credit-based insurance score
Esurance-approved car repair shops in North Carolina
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 a repair shop near you.
More info on North Carolina car 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 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 premium.
By maintaining a clean driving record with zero SDIP points, you can expect to pay less for car 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.
A licensed insurance agent can help you get a DL-123.
Uninsured drivers in North Carolina
A recent report from the Insurance Research Council estimated that 14 percent of North Carolina drivers were uninsured. That's a bit higher than 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
North Carolina driving info
Brush up on key stats and laws that you should know before hitting the road in the Tar Heel State.
North Carolina's official guide to car insurance (PDF)
Get a deeper understanding of the state's insurance rules and regulations.
Find out more about our money-saving discounts, including where they're offered and how to get them.