North Carolina Insurance Overview
North Carolina has a unique insurance regulatory system that helps keep rates stable while ensuring drivers and homeowners have adequate protection.
Auto Insurance in North Carolina
State Requirements
North Carolina requires 30/60/25 liability coverage:
- $30,000 bodily injury per person
- $60,000 bodily injury per accident
- $25,000 property damage per accident
Additional Requirements
- Uninsured Motorist Coverage: Required at the same limits as liability
- Underinsured Motorist Coverage: Also required
North Carolina's Rate Bureau
Unlike most states, North Carolina's insurance rates are set by the NC Rate Bureau and approved by the Department of Insurance. This creates more rate stability.
Beyond the Minimum
Consider higher limits if:
- You have assets to protect
- You drive frequently
- You want broader protection
Homeowners Insurance in North Carolina
Regional Considerations
- Coastal areas: Hurricane and wind exposure; separate wind/hail deductibles may apply
- Mountain areas: Winter weather considerations
- Statewide: Severe thunderstorm and tornado risk
Coverage Basics
Standard policies cover:
- Dwelling and structures
- Personal property
- Liability
- Additional living expenses
Flood Insurance
Standard policies don't cover flooding. If you're in a flood zone—or even if you're not—consider separate flood coverage.
Renters Insurance in North Carolina
Affordable protection for your belongings, liability, and temporary living expenses if you're displaced. Many landlords require it.
Next Steps
North Carolina's insurance system is designed to protect consumers. When you're ready to review your coverage with a licensed agent, we're here to help—no pressure.