Car Insurance Agents in North Carolina

Find the Right Agent for Your Car Insurance Needs 


Robert Chester

 ✔ verified 

“Professional expert insurance advice with great rates and service for the qualified client.”

Insurance Products – P&C insurance

📍Davidson, North Carolina, 28036
insurance agent in georgia

Brandon Davis

Associated Carriers Soar Insurance Partners

Insurance Products – Personal Insurance, Business Insurance, P&C insurance

📍Bunnlevel, North Carolina, 28323
JoeSpeer Life Insurance - Life insurance agent in georgia

Alexis Starks

I believe my client is always right, and it’s my duty to put their hopes into perspective.

📍North Carolina, United States

Braxton Ogbueze

Associated Carriers – Mutual of Omaha, Americo, American Amicable, Aetna and AIG

My name is Braxton Ogbueze and I’m a licensed life insurance agent in North Carolina and South Carolina. I believe in honoring Jesus with my life and in my businesses and I look forward to serving my community by helping them get protection in place for their families and as well as delivering a message of hope.

📍Charlotte, North Carolina, 28269

North Carolina, like every other state, requires drivers to have auto insurance. This protects not only you but other drivers in the event of an accident, and it covers both injuries and property damage.  

The amount of coverage, however, varies by state. North Carolina requires drivers to have the following minimum levels of coverage: 

  • $30,000 for one person’s bodily injury 
  • $60,000 for causing bodily injury to two or more people 
  • $25,000 for property damage

Again, this is the bare minimum; individual policies can provide more coverage. As you might expect, a $30,000 minimum is quickly depleted in the event of a serious accident injury. 

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Popular Car Insurance Coverages in North Carolina

A standard car insurance policy in North Carolina includes the following coverages.

Liability Coverage

The policy covers bodily injury and property damage for which a covered driver becomes legally liable. 

Collission Coverage

This covers physical damage to your covered vehicle caused by an impact with another vehicle or object. 

Comprehensive Coverage 

This covers damage to your car caused by falling objects, fire, theft, natural hazards, vandalism, contact with a bird or animal, or breakage of glass.

Medical Coverage 

This coverage pays for reasonable and necessary medical and funeral expenses due to an automobile accident.

Uninsured/Underinsured Coverage 

The coverage will provide protection when an uninsured/underinsured driver, who is at-fault, injures you or another covered individual.

Car Insurance Cost in North Carolina

In 2022, the average North Carolina car insurance cost is $1,392 for full coverage and $431 for state minimum coverage limits. Both of these rates are significantly lower than the national average car insurance rates of $1,771 per year for full coverage and $545 per year for minimum coverage. 

Wondering what is the best car insurance in North Carolina? 

Here’s some car insurance costs available from different insurance companies in North Carolina, ranging from lowest to highest average annual cost for full coverage.

City Average Annual Premium 
Geico $910
State Farm $966
Carolina Farm Bureau $1,047
Erie $1,105
Nationwide $1,197
Penn National $1,399
Kemper $1,414
Travelers $1,471
Allstate $1,597
Progressive $1,693

Cheapest Cities for Car Insurance in North Carolina


City Average Annual Premium 
Burnsville $336
Lake Lure $336
Bakersville $337 
Zionville $337 


Expensive Cities for Car Insurance in North Carolina


City Average Annual Premium 
Fayetteville $1,591
Charlotte $1,553
Concord $1,420
High Point $1,414
Greensboro $1,392

Frequently Asked Questions

In North Carolina, how much car insurance do I need?

North Carolina Motor Vehicle Law requires that automobile liability coverage be maintained on a continuous basis. The minimum coverage requirements are $30,000 for bodily injury per person, $60,000 for total bodily injury for all people involved in an accident, and $25,000 for property damage.

Is full coverage car insurance required in North Carolina?

You must have at least the following liability coverage to meet the minimum limits: $30,000 in coverage for one person’s injuries or death in a single accident. $60,000 in coverage for two or more people injured or killed in a single accident. Property damage coverage of $25,000 is provided.

Is North Carolina a no-fault state when it comes to car accidents?

North Carolina is a fault-free state. This means that if you are injured and it can be proven that the other party was negligent (e.g., driving too fast, failing to look out for you, etc.), you can sue them for compensation.

How is fault determined in a car accident in North Carolina?

A car accident’s fault is determined by reviewing all available evidence from the crash to try to piece together what happened and identify who may have caused the crash. 

In many car accident cases, injured parties and their attorneys will hire accident reconstruction specialists to review the accident evidence and provide a reasoned opinion on how the accident occurred and who caused the crash.

What are the North Carolina car accident laws?

According to North Carolina car accident law, a driver involved in a collision must contact a law enforcement agency as soon as possible if there is: (1) injury to any person; (2) death to any person; or (3) total property damage of $500 or more.  

Failure to do so constitutes a misdemeanor on part of the driver.

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