North Carolina Car Insurance Quotes

Get a Car Insurance Quote in North Carolina

North Carolina mandates minimum car insurance coverage requirements to protect drivers from significant out-of-pocket expenses. Whether you're buying a new car, getting a quote, or just looking to switch to GEICO, we've got everything you need to make an informed decision. Keep these facts in mind as you look to find the auto insurance coverage that's right for you. You can get NC auto insurance quotes online, or call us at (800) 947-AUTO (2886).

According to the North Carolina Department of Transportation (NCDOT), every driver must have auto insurance to operate a vehicle. So, before you take that drive to Kill Devil Hills to visit the Wright Brothers National Museum, check that you have valid proof of coverage in your vehicle. Otherwise, you could receive a citation if you're pulled over.

North Carolina Car Insurance Requirements

North Carolina drivers are required to have the following car insurance coverage:

  • Bodily injury liability coverage: $30,000 per person and $60,000 per accident
  • Property damage liability coverage: $25,000
  • Uninsured motorist bodily injury: $30,000 per person and $60,000 per accident
  • Uninsured/Underinsured motorist property damage: $25,000

While these are the minimum car insurance requirements in North Carolina, everyone's insurance needs are unique. Review additional coverage information to help make the right choice for you. Visit our Coverage Calculator to get a personalized recommendation to fit your insurance needs.

Learn more about North Carolina auto insurance requirements.

Save on North Carolina Car Insurance with These Discounts

GEICO provides a variety of car insurance discounts* that can help NC drivers save on their insurance premiums. Here are some of the key discounts available:

  • Multi-Car Discount: Insure more than one car with GEICO and save big on your North Carolina car insurance premium.

  • Five-Year Accident-Free Good Driver Discount: NC drivers who have maintained a clean driving record for 5 consecutive years or more can get rewarded with lower premiums.

  • Good Student Discount: GEICO recognizes academic excellence and offers reduced premiums to young drivers who maintain a B or higher.

  • Military Discount: Active-duty military personnel, veterans, and members of the National Guard or Reserves can take advantage of GEICO's military discount. This special discount is a way for GEICO to show appreciation for military members' service.

  • Anti-Theft System Discount: Installing an anti-theft device in your vehicle can lead to savings on your auto insurance premiums.

  • Multi-Policy Discount: Bundling different types of GEICO insurance policies, such as auto and homeowners insurance, can result in a multi-policy discount.

  • Pay in Full Discount: Pay your term premium in full and receive a discount.

  • DriveEasy Discount: Download GEICO’s DriveEasy app to showcase your safe driving habits and save money on car insurance. Drivers become eligible for a discount of up to 10% by simply enrolling in the program and monitoring their driving.

*Not all discounts available in all situations.

Penalties for Driving Without Car Insurance in North Carolina

In North Carolina, driving without car insurance can result in various penalties. These include fines, vehicle registration and driver's license suspension, and increased insurance premiums. Additionally, your vehicle could be impounded until you show proof of insurance. Repeated offenses can lead to misdemeanor charges, which carry more severe consequences.

Maintaining Your North Carolina Auto Insurance Coverage

If you let your car insurance coverage lapse or expire in North Carolina, your insurance company is required by law to notify the DMV. You will have 10 days to provide the DMV with current proof of coverage of required auto insurance in North Carolina. Failure to do so could result in revocation of your license plates, as well as fines and fees.

Get Your Free Quote for North Carolina Car Insurance at GEICO

At GEICO, we personalize North Carolina car insurance policies to fit individual needs and budgets, helping our customers find the best coverage options. Discover how much you can save with GEICO's competitive rates. Get a free NC auto insurance quote today!

North Carolina Registration Information

New residents of North Carolina must register their motor vehicle within 30 days or when gainful employment is accepted, whichever occurs first.

There are four steps in the North Carolina vehicle registration process:

  • Obtain a North Carolina driver's license
  • Gather correct documentation
  • Satisfy North Carolina fee requirements for registration
  • Provide proof of North Carolina insurance coverage with satisfactory minimum limits of liability

North Carolina Teen Driving Laws

North Carolina makes use of a graduated licensing system and has a variety of restrictions for teenage drivers based on age, time of day and driving experience. Teens must be at least 15 years old to apply for a learner's permit. After driving on a permit for twelve months, a driver may apply for a level two permit, which allows driving during the daytime without supervision. After six months with the level two permit, drivers may apply for a level three provisional full license.