Coverage and service as diverse as North Carolina
North Carolina has almost 80,000 miles of roadways, offering plenty of room to roam. If you live in the Tar Heel State, USAA offers a combination of coverage and service as diverse as North Carolina. Whether you're motoring through the mountains, perusing the Piedmont or cruising the coast, USAA can be there for you.
The average cost of car insurance in North Carolina
There are many things involved in determining auto insurance rates. How many miles you drive a year and your driving record both play a part in how much you'll pay. North Carolina also has a higher risk for hurricanes and flooding, increasing car insurance costs.
$141 See noteper month
The average monthly cost for all USAA auto policies issued in North Carolina in 2023.1
Get up to 30% off your premium for being a safe driver.2
With USAA SafePilot®, the better you drive, the bigger the discount you may earn.
North Carolina car insurance coverage requirements
As of Jan. 1, 2024, USAA offers North Carolina drivers a variety of required and optional coverages.
| Coverage | Description | North Carolina Requirement |
|---|---|---|
| Bodily injury liability | This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault.Learn about liability coverage | Minimum coverage requirement: $30,000 limit per person $60,000 limit per accident |
| Property damage liability | This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. | Minimum coverage requirement: $25,000 limit per accident |
| Bodily injury for uninsured or underinsured motorists | This helps cover your expenses if you're in an accident caused by a driver who is uninsured or doesn't have enough insurance.Learn about uninsured and underinsured coverage | Uninsured or combined uninsured and underinsured coverage is required. The bodily injury liability coverage determines which coverage amount is available. |
| Property damage for uninsured motorists | This helps pay for damage to your property, including vehicles, homes and other buildings because of an accident caused by an uninsured motorist. | Minimum coverage requirement: $25,000 |
| Medical payments | This helps cover medical expenses if you or your passengers are injured in an accident. | Optional |
| Collision | This helps pay to repair or replace your vehicle if it's damaged in an accident related to driving, subject to a deductible.Learn about collision coverage | May be required if you're making payments to a lender or leasing company. |
| Other than collision | This helps pay to repair or replace your vehicle if it's stolen, vandalized or damaged by animal collisions, fire, hail and other events, subject to a deductible. | May be required if you're making payments to a lender or leasing company. |
| Rental reimbursement3 | This helps cover the cost of a rental car while your vehicle is in the shop for repairs after a covered loss. | Optional |
Some drivers choose to have higher limits and carry additional coverages for more protection. If you're responsible for injuries and damage totaling more than your policy limits, you may have to pay out of pocket.
North Carolina car insurance coverage requirements
As of Jan. 1, 2024, USAA offers North Carolina drivers a variety of required and optional coverages.
| Bodily injury liability |
|---|
DescriptionThis helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault.Learn about liability coverage |
North Carolina RequirementMinimum coverage requirement:$30,000 limit per person $60,000 limit per accident |
| Property damage liability |
|---|
DescriptionThis helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
North Carolina RequirementMinimum coverage requirement: $25,000 limit per accident |
| Bodily injury for uninsured or underinsured motorists |
|---|
DescriptionThis helps cover your expenses if you're in an accident caused by a driver who is uninsured or doesn't have enough insurance.Learn about uninsured and underinsured coverage |
North Carolina RequirementUninsured or combined uninsured and underinsured coverage is required. The bodily injury liability coverage determines which coverage amount is available. |
| Property damage for uninsured motorists |
|---|
DescriptionThis helps pay for damage to your property, including vehicles, homes and other buildings because of an accident caused by an uninsured motorist. |
North Carolina RequirementMinimum coverage requirement: $25,000 |
| Medical payments |
|---|
DescriptionThis helps cover medical expenses if you or your passengers are injured in an accident. |
North Carolina RequirementOptional |
| Collision |
|---|
DescriptionThis helps pay to repair or replace your vehicle if it's damaged in an accident related to driving, subject to a deductible. Learn about collision coverage |
North Carolina RequirementMay be required if you're making payments to a lender or leasing company. |
| Other than collision |
|---|
DescriptionThis helps pay to repair or replace your vehicle if it's stolen, vandalized or damaged by animal collisions, fire, hail and other events, subject to a deductible. |
North Carolina RequirementMay be required if you're making payments to a lender or leasing company. |
| Rental Reimbursement3 |
|---|
DescriptionThis helps cover the cost of a rental car while your vehicle is in the shop for repairs after a covered loss. |
North Carolina RequirementOptional |
Some drivers choose to have higher limits and carry additional coverages for more protection. If you're responsible for injuries and damage totaling more than your policy limits, you may have to pay out of pocket.
Did you know?
You can save up to 10% on your premium when you bundle your auto policy with homeowners or renters insurance.4
Reasons to choose USAA Auto Insurance in North Carolina
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Members Saved $725
A countrywide survey showed that our members saved an average of $725 per year when they switched to USAA Auto Insurance.5
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Exceptional Service and Claims
We're available 24/7 online for policy updates and claims through usaa.com and our mobile app.
You may qualify for discounts and savings.
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Early Quote Discount
Save up to 3% on your auto premium when you buy a policy seven or more days before the start date.6
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Military On-Base Discount
Save up to 15% on your auto premium when you garage your car on base.7
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Automatic Payments Discount
Save up to 3% on your auto premium when you set up automatic payments. 6
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Multi-Vehicle Discount
Extend your coverage to two or more vehicles, and you could qualify for a multi-vehicle discount.6
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New Vehicle Discount
Get a discount on your auto premium if your vehicle isn't more than 3 years old.6
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No Fees for Monthly Payment Plan
Choose a payment due date that's convenient for you.8
Who can get USAA Auto Insurance?
When you join USAA, you become part of a family who stands by you during every stage of your life. Our family includes:
- U.S. military members and veterans
- Pre-commissioned officers
- Spouses and children of USAA members
Coverage for whatever moves you
Still have questions about car insurance?
We can help. To speak with a representative, call 800-531-USAA (8722).([thats 800-531-]8722)