North Carolina
Auto Insurance Coverages
With so many companies offering auto insurance in North Carolina, how do you choose the car insurance that's right for you? Regardless of where you live in North Carolina, Allstate offers a wide variety of auto insurance policies, optional insurance coverages and other products for North Carolina drivers. As your auto insurance needs change, your local Allstate agent will take the time to help you make the right choices. If you have a teen driver, there are many other considerations your local Allstate agent can also help you with. Refer to the NC Graduated Driver Licensing chart below for more information.
For more information on this state, visit the North Carolina State Information or North Carolina State Catastrophe page.
North Carolina Auto Insurance Coverage Scale
Do you know what the North Carolina auto insurance coverage requirements are? Use the chart below as a possible starting point to learn more about the North Carolina-required auto insurance coverage levels and the most common car insurance coverages in North Carolina.
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Coverage
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State Requirements
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Most Common
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Bodily Injury Liability
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30,000/60,000
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100,000/300,000
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Property Damage Liability
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25,000
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50,000
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Combined UnderInsured/Uninsured
Motorist Bodily Injury
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Not required
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100,000/300,000
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Medical Payments
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Not required
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2,000
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Collision
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Not required
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250 deductible
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Comprehensive
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Not required
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0 deductible
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North Carolina Graduated Driver Licensing
If you have a teen driver, you should know about Graduate Driver Licensing (GDL). GDL laws are one of the few things that have been shown to save teen lives. Protect your teen driver by reviewing these GDL laws with them and use them to form driving rules that help keep your teen driver safe.
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Insurance Institute for Highway Safety Rating
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Good
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Minimum Entry Age
(Optimal: 16)
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15
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Extended Learner Period
(Optimal: at least 6 months)
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Has optimal provision
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Parent Certification
(Optimal: 30 hours minimal)
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Has no provision
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Night Restriction
(Optimal: 9 or 10 p.m.)
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Has optimal provision
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Passenger Restriction
(Optimal: only 1 non-family member)
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Has optimal provision
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Minimum Exit Age
(Optimal: 18)
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16 years, 6 mo.
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Download a Parent-Teen Driving agreement (PDF format) and start talking to your teen driver about safe driving habits. Get more information and learn about teen driving research, facts, tips, driving laws, and teen driving programs.
Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.
Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Florida, Georgia, South Carolina, Tennessee, Virginia
Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in North Carolina. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.