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.
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.
