North Carolina
- ~$45–$60
- ~$120–$145
- $30K/$60K/$25K
North Carolina offers moderate car insurance rates influenced by a mix of urban centers like Charlotte and Raleigh and extensive rural areas. The state uses a fault-based liability system with mandatory minimum coverage.
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North Carolina Auto Insurance Facts *
Drivers
- ~7.2–7.4 million licensed drivers as of 2023.
- ~90% household vehicle ownership.
- Popular vehicle types include sedans, pickups, and SUVs.
- Uninsured motorist rate around 13%.
- Public transportation limited mainly to urban areas.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~78,000 | ~21,000 | 900 |
| 2019 | ~80,500 | ~22,500 | 940 |
| 2020 | ~70,000 | ~18,500 | 880 |
| 2021 | ~75,000 | ~20,000 | 910 |
| 2022 | ~77,500 | ~20,500 | 930 |
Laws & Regulations
- Fault-based liability system.
- Proof of insurance required at registration.
