SelectQuote shops and compares home and auto insurance rates from dozens of our trusted carriers to find you the lowest price.
Home Insurance and Car Insurance in North Carolina
SelectQuote is here to help if you’re shopping for home or auto insurance in the Tar Heel state. Whether you’re a first-time homebuyer or driver trying to protect your investment or you’re simply shopping for a better insurance rate, let us do the hard work. Our technology allows us to compare rates at one time from the dozens of the highly-rated** insurance companies we partner with and quickly zero in on the policy that best fits your needs.
Homeowners Insurance in
Why do you need home insurance in North Carolina? Owning a home is a significant investment you want to ensure is protected. Nearly 65.2% of homes in North Carolina are owned by its population of 10.5 million people1 and according to Zillow, the average home value sits just below $290,000.2
SelectQuote sources home insurance quotes from dozens of companies at once to help you find affordable coverage that safeguards your home in case of an accident or catastrophe.
Homeowners Insurance Coverage Options in
Most homeowners insurance policies in North Carolina will include most (if not all) of the following types of home insurance coverage:
- Dwelling coverage is a standard policy that covers the actual physical structure of your home. If you have an attached garage or other structure, this will be covered as well.
- Personal property coverage works to cover your household belongings. If it’s inside or outside your home, it’s covered.
- Personal liability coverage protects you in the event someone is injured on your property and you’re found at fault. It also covers damage to another person’s property.
- Guest medical protection coverage exists to cover people who are injured on your property, regardless of who may be at fault.
Common Causes of Loss in
North Carolina residents can expect to encounter hurricanes and tropical storms each year, but those aren’t the only causes of loss in the state. Tornadoes, windstorms and hail are also big reasons Tar Heel state residents file insurance claims. The most common causes of loss in North Carolina include:
- Hail and wind
- Theft and burglary
- Hurricane winds and flooding
- Fire and lightning damage
- Accidental injuries
Not all claims occur with the same frequency, and some claims may not be totally covered by an insurance policy.
Additional Coverage Options Recommended for Homeowners
Whether you live along the Atlantic coast or inland near the Appalachian Mountains, you may want to consider buying additional coverage to supplement your basic home insurance policy. Commonly purchased optional home insurance coverage and endorsements includes:
- Flood insurance: Flooding isn’t covered under most home insurance policies, but you can purchase additional flood insurance from the National Flood Insurance Program (NFIP)or a private insurer.
- Windstorm and hail insurance: Depending on what part of the state you call home, wind damage and hail might be excluded from your home insurance policy or require additional endorsements.
- Water backup insurance: Even if flooding isn’t an issue, you may want to buy water backup coverage in case your sump pump fails or water gets into your basement or crawlspace through cracks in the foundation.
Our Home Insurance Partners in
SelectQuote works with dozens of trusted** home and auto insurance companies in North Carolina to provide you with unbiased quotes for all levels of home insurance coverage. We compare rates from our home insurance partners and pass along the savings and quotes to you. This includes saving you hundreds of dollars each year by bundling your home and auto insurance together in one convenient policy.
What is the average home insurance cost in ?
The average North Carolina home insurance premium for SelectQuote customers is $94.41.*** Your rate will vary based on several factors, including your home’s location, age and condition. Other details that can impact your rates include:
- Your credit score
- Your claims history
- Your deductible
- Any applicable discounts
Homeowners Insurance Discounts in
One great way to make insurance more affordable is to seek out applicable home insurance discounts. Some of the most common discounts available to North Carolina homeowners who want to save on their policy include:
- Customer loyalty discounts
- Discounts for installing home security systems
- Discounts for new buildings
- New homeowner discounts
- Bundling home and auto insurance together
Bundle Your Home and Auto Insurance to Save Money
SelectQuote customers can save an average of $757* per year on bundled home and auto insurance
Average Home and Auto Insurance Rates in
Rates listed below represent real average monthly premiums paid by SelectQuote customers in select North Carolina cities.
|City||Avg. Monthly Home Insurance Rate||Avg. Monthly Auto Insurance Rate||Avg. Monthly Rate of Bundled Policies|
Average monthly rates are from policies by SelectQuote customers prior to 01/2022
Auto Insurance in
Auto Insurance Laws and Requirements
North Carolina requires all drivers to have basic personal auto insurance in the form of liability coverage and uninsured motorist coverage. This allows you to show that you can pay for damages that result from an accident you have caused. Liability and uninsured motorist coverage are only two types of auto insurance coverage. The major types of coverage available include:
- Liability insurance pays for damages caused by you if the accident is your fault. It will also pay for medical bills incurred by the other driver or their passengers. North Carolina requires drivers to have $30,000 of coverage for injuries per person, up to $60,000 per accident. It also requires $25,000 of coverage for property damage. This coverage, known as 30/60/25 coverage, is the bare legal minimum for drivers.
- Uninsured/underinsured motorist coverage pays for medical expenses when the other driver is at fault and doesn’t have sufficient insurance coverage. North Carolina requires all drivers to carry $30,000 per person and $60,000 per accident for bodily injuries. For property damage, the limit is $25,000.
- Personal injury protection insurance can help pay for medical expenses or funeral expenses for you or your passengers.
- Collision coverage helps cover expenses for repairs or replacement for your vehicle if it is damaged in an accident.
- Comprehensive coverage can help pay for repairs or replacement for vehicles that are stolen or damaged by storms, vandalism or animals.
- Gap coverage pays the difference between what you owe on a vehicle and what it is worth in the event of an accident where it is totaled.
|Types of Coverage||Minimum State Requires|
|Bodily Injury Liability||$30,000 per person/$60,000 per accident|
|Property Damage Liability||$25,000|
|Uninsured Motorist||$30,000 per person, $60,000 per accident, $25,000 for property damage|
|Underinsured Motorist||Not required|
|Personal Injury Protection||Not required|
|Gap Insurance||Not required|
Teen Driving Laws
North Carolina requires all teens to have auto insurance, either on their own or as a listed driver on their parent or guardian’s policy. In order to drive, teenagers must obtain a graduated driver’s license from the state, which involves the following4:
- Securing a learner’s permit at age 15 or older
- Obtaining a level two permit after 12 months, which allows for daytime driving without supervision
- Applying for a level three provisional license after six months of driving with a level two permit
Car Registration Information
You must register your vehicle in North Carolina within 30 days of taking up residence in the state. The four steps for vehicle registration include:
- Get a driver’s license
- Pull necessary documents, including title or proof of ownership
- Provide proof of insurance coverage with minimum legal limits for coverage
- Pay any associated fees
What is the average car insurance cost in ?
The average car insurance policy in North Carolina costs $194.53 per month,**** although your own rates will vary based on your vehicle, ZIP code, driving record and other factors. Depending on the type of car you drive and whether it’s been purchased with cash or financed, you may need additional insurance coverage to satisfy your loan requirements.
Our Auto Insurance Partners in
SelectQuote partners with leading auto insurance companies to provide you access to detailed, competitive quotes for your car insurance coverage. Our technology allows us to shop several highly-rated** carriers at once in just minutes, and find auto insurance quotes that are tailored for you. Whether you need minimum legal coverage or a full coverage plan that offers near-total protection, we can help you compare rates and find the best coverage to suit your needs.
Home and Auto Insurance Frequently Asked Questions
How do I shop for insurance in North Carolina?
How do I shop for home insurance in North Carolina?
- Think about what kinds of coverage you need for your home, property and any detached structures on the premises. Take an inventory and keep this information handy for claims.
- Compare rates from several different insurance companies, paying close attention to deductibles, rates, named and unnamed perils and whether your policy is replacement cost versus actual cash value.
- Revisit your insurance coverage from time to time to make adjustments based on new discounts, additions, renovations and other changes. You may even find cheaper coverage elsewhere! Remember that you can re-shop quickly with SelectQuote.
How should I buy auto insurance in North Carolina?
- Consider the minimum legal insurance requirements to drive legally. You may want to buy insurance with a higher limit if that makes you more comfortable.
- Think about any lender requirements. If your car is financed, you will likely need a full coverage policy (comprehensive and collision coverage) as well as gap insurance.
- Ask yourself about any circumstances that could impact your coverage, such as previous accidents or teen drivers.
- Share relevant information with SelectQuote to compare rates from several companies at once. Get unbiased quotes and choose your insurance company.Don’t forget to bundle your coverage for discounts if possible!
- Revisit your coverage each year to make sure you’re not overpaying for coverage or underinsured.
Is North Carolina a no-fault state for auto accidents?
Should I buy earthquake insurance in North Carolina?
What is the minimum car insurance in North Carolina?
SelectQuote Can Shop Home or Auto Insurance to Help Save You Time and Money
From rate shoppers to first-time insurance needs, SelectQuote can help you find the affordable coverage you’re looking for. Let us do the legwork of shopping for your home and auto insurance coverage. We’re able to simultaneously compare rates from several insurance companies to deliver you unbiased recommendations based on your specific needs.
*Average customer who bundles savings based on an average of new SelectQuote Auto & Home Insurance policyholders between 1/9/2020 and 1/10/2021. Individual savings may vary, and are not guaranteed. Coverages and discounts subject to state availability and individual eligibility.
**Best’s Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best’s Credit Ratings™ and Best’s Credit Reports (which include Best’s Credit Ratings™), visit the A.M. Best website at http://www.ambest.com. See Guide to Best’s Credit Ratings™ for explanation of use and charges.” “Best’s Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of SelectQuote or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best’s Credit Ratings™. Best’s Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.” A Best’s Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company’s financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best’s Credit Ratings for a disclaimer notice and complete details at http://www.ambest.com/ratings/notice
***Average rates calculated based on the total number of SelectQuote home insurance customers in North Carolina. Rates will vary based on location, age and condition of home and other factors.
****Average rate is taken from all North Carolina drivers who have purchased their auto insurance policy from SelectQuote. Rates will vary based on the level of coverage you purchase, your ZIP code, and other factors.
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