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North Carolina Insurance Information

Because of the Wright Brothers famous first controlled and powered flight close to Kitty Hawk in 1903, North Carolina's state motto means "First in Flight." The Tar Heel State is home to over nine million people, which makes it the tenth most populous state in the union. In fact, North Carolina has experienced a population surge recently, ranking as the eighth fastest-growing state in the U.S. by population in 2008. The state's universities are renowned for their stellar basketball programs, including the University of North Carolina and Duke University. While Raleigh is North Carolina's capital, the state's largest city is Charlotte, home to more than 722,000 people.

If you live and drive in North Carolina, the good news is that the state's car insurance laws are very reasonable, so it's easy to find a policy that complies. On the other hand, North Carolina also has a large number of uninsured and underinsured drivers, which makes it especially important to carry ample coverage. For an inexpensive policy you can count on, use the free resources you will find on this page. You can research North Carolina auto insurance from start to finish without navigating away from this site, and when you're ready, you can also request no-cost North Carolina car insurance quotes. If you want a no-hassle, one-stop-shopping experience for your auto policy, this is where to find it.

When you request North Carolina auto insurance quotes, you will see not just one offer, but up to five different quotes from carriers you will recognize and trust. These quotes do not obligate you to purchase coverage, and you can even save them to reference later if you wish. If at any time you have questions during your search for North Carolina car insurance, we are here to help. Give us a call using the toll-free number published at the top of the page, and our helpful staff can walk you through any step of the process. View the best North Caroline auto insurance offers available on the Web now!

North Carolina Population Data At-a-Glance

9,656,401 total population
37 average citizen age
95 males per 100 females
9 number of cities with > 100,000 residents
Charlotte largest city in the state

Vital North Carolina Insurance Facts

Having a solid awareness of your state insurance information and facts makes it more simple to manage and modify your policy. By making certain you have critical insurance coverage and achieve necessary requirements such as the state minimum coverage, you are able to reach a state of comfort.

Average Annual North Carolina Insurance Premium Payment


About $127.25/Month. North Carolina ranks as the 13th most expensive state for car insurance in the United States

Is This an At-Fault or No-Fault State?


State Minimum Coverage Requirement


Injury Liability Per Person / Injury Liability Per Accident / Property Damage
*Units in Thousands of Dollars

Estimated Uninsured Population (%)


Or About 1,351,896 Uninsured Drivers in the State of North Carolina

NC Licensing Rules & Regulations

The licensing rules and regulations of each state are distinct. Ensure you are obeying the laws to avoid fines or other penalties. Violations such as operating a vehicle with an expired driver license can bring grave consequences.

Learner's Permit

15 Years

Unrestricted License

16.5 Years

Renewal Frequency

8 Years

Safety Requirements, Handheld Devices in North Carolina

Sensible policyholders ought to try to stick to all safety requirements. The laws concerning cellular phone operation and text-messaging vary among individual states. Make certain you know the laws and regulations of the region in which you are driving.

Seatbelt Offenses


Motorcycle Helmets

All Ages

Handhelds Banned?


Text-Messaging Banned?


North Carolina Impaired Driving Laws

Impaired driving laws differ considerably between each state in the Union. As it is important to not drink and drive, keeping acquainted the impaired driving limits may help you make conscientious decisions before driving a motor vehicle.

Under 21 Limit


Individual Limit


Extreme Limit


Financial Penalty Estimate


Minimum License Suspension

30 Days

Maximum Jail Sentence

730 Days

SR-22 Required?


Open Container Law