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A guide to North Carolina home and auto insurance

Securing home insurance or car insurance in North Carolina doesn’t have to be a hassle. Here, we tackle some common questions about how much it costs, finding the right insurance carriers for you, and what you need to know about North Carolina’s insurance laws.

North Carolina insurance at a glance

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Popular insurance companies in North Carolina

Home insurance

  • Travelers
  • Universal
  • American Modern
  • Homeowners of America
  • Safeco
  • Stillwater

Car insurance

  • Progressive/ASI
  • Travelers
  • Safeco
Average cost of home insurance in North Carolina
$1,360 per year
Average home insurance Coverage A in North Carolina
Average home insurance deductible in North Carolina
Average cost of car insurance in North Carolina
$1,758 per year
Average car insurance deductible in North Carolina
$129 per term

North Carolina insurance requirements

Home insurance

Although North Carolina law doesn’t require home insurance, most mortgage lenders will ask for it before financing your home. A standard homeowners insurance policy usually includes:

  • Structural coverage — Also known as dwelling coverage, structural coverage protects the primary physical structure of your home.
  • Personal property coverage — This coverage will help replace belongings such as furniture and electronics in the event of a covered loss.
  • Liability coverage — Personal liability coverage protects against medical and legal fees incurred by guests and visitors injured at your home.
  • Additional living expenses — Home insurance generally pays for living expenses — like a hotel or rent — if you’re displaced from your home after a covered event.
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Car insurance

The state of North Carolina requires car insurance to operate a vehicle.  Like many other states, North Carolina requires drivers to carry a minimum amount of liability coverage, which protects you if you are found to be at fault in an accident. It typically covers damage to objects and other vehicles besides your own (known as property damage liability), and injuries to other drivers and passengers they have in their car (known as bodily injury liability).

Minimum bodily injury requirements

  • $30,000 per person
  • $60,000 per accident

Minimum property damage requirements

  • $25,000 per accident

Additionally, there are optional auto insurance coverages which can provide more complete protection. Learn more about auto insurance coverage here.

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blue icon happy customersThousands of
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green icon average savings$593 average savings
for North Carolina customers

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Why customers in North Carolina choose Matic

  • Shop how you want: Compare rates from 40+ carriers, then buy your policy online or talk to one of Matic’s licensed insurance advisors.
  • Get double support: In addition to your carrier, Matic is an extra insurance advocate there to help you navigate your policy.
  • Skip the extra fees: Because we integrate with carrier platforms, you’ll pay the same price for your policy with Matic as you would by going to the carrier directly.
  • Protect your future: As a Matic customer, you can rely on a network of 40+ carriers to help find a better option if your situation changes in the future.
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How to buy insurance in North Carolina

Answer a few questions.

Fill out a single online form to get matched with quotes in just a few minutes.

See your initial estimates.

Review free quotes with the best prices and coverage options for you.

Buy online or talk to a licensed advisor.

Purchase your policy online or over the phone with a licensed Matic advisor.

Pro tip: Our insurance advisors will dig even deeper to unpack more options for you, like carrier discounts, bundling, and more. If you don’t see what you like online, take a few minutes and talk to us!

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Methodology: Home and auto insurance premiums, Coverage A, and customer savings data is based on an average from a subset of Matic customers within the referenced US state and external carrier filings.