North Carolina car insurance

Your car insurance premiums will vary based on several factors, including your driving record, the type of car you drive, and your coverage limits.

As of June 2024, North Carolina drivers pay an average of $536 per year (roughly $45/month) for minimum coverage, and $1,828 per year (roughly $152/month) for “full coverage.”*

At Dairyland®—a brand of the Sentry Insurance Group—we offer several down payment options and flexible policy terms to help make your coverage even more affordable.

North Carolina state insurance requirements mandate that all drivers carry a minimum amount of liability insurance, along with uninsured motorist (UM) and underinsured motorist (UIM) coverages. Here's what you need to meet state law:

• $30,000 in bodily injury liability per person

• $60,000 in bodily injury liability per accident

• $25,000 in property damage liability per accident

• $30,000 in uninsured motorist bodily injury per person

• $60,000 in uninsured motorist bodily injury per accident

• $25,000 in uninsured motorist property damage per accident

As of July 1, 2025, the minimum requirements in North Carolina will be:

• $50,000 in bodily injury liability per person

• $100,000 in bodily injury liability per accident

• $50,000 in property damage liability per accident

• $50,000 in uninsured/underinsured motorist bodily injury per person

• $100,000 in uninsured/underinsured motorist bodily injury per accident

• $50,000 in uninsured motorist property damage per accident

If you're found at fault in an accident that results in injuries to another person, bodily injury liability can help cover their medical bills, lost income, and pain and suffering. Without sufficient coverage, you could be responsible for paying these expenses out-of-pocket.

This coverage helps pay for damage you cause to other people's property—like their vehicle—in an accident you cause. It can also help cover damage to other types of property, such as fences, buildings, or utility poles.

We believe everyone deserves the opportunity to get affordable car insurance. That's why we offer a variety of discounts to help North Carolina drivers save money on their premiums, like:

• Multi-car discount: If you insure more than one vehicle with Dairyland, you may qualify for a multi-car discount.

• Prior insurance (transfer) discount: Switching your car insurance from another provider to Dairyland? First off, welcome! Also, you can qualify for a discount on your new policy.

• Homeowner discount: If you own a home or condo, you may qualify for a homeowner discount.

• Air bag discount: If you carry medical payments coverage and your vehicle is equipped with airbags, you can earn a discount.

As we mentioned above, the amount you pay for car insurance will vary depending on your individual circumstances. It’ll also vary by car insurance provider.

That's why it's important to compare quotes from multiple providers to find the best rates for you.

At Dairyland, we can help you build a car insurance policy that makes sense for you—regardless of your driving history, credit score, or other factors that could get you labeled a high-risk or nonstandard driver.

In addition to carrying the required liability and UM/UIM insurance, North Carolina drivers must also show proof of insurance when registering a vehicle or renewing their registration. If your coverage lapses, you could face fines of $50 to $150.

Here are some more resources for North Carolina drivers:

Visit the North Carolina DOT website for a range of resources, from maps and traffic cameras to ferry and train schedules.

The North Carolina DMV website provides information and tools for various services, including:

• Driver's license information

• Vehicle registration renewals

• State driving laws and requirements

The North Carolina DOI website offers free resources on all things insurance—from auto and homeowners to life and health.