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Coverage and service for the Tar Heel State

If you live in North Carolina or plan to move there, we can help you find the protection you need with USAA Auto Insurance.

Whether you’re cruising along the Blue Ridge Parkway, driving through the Smoky Mountains or exploring the Outer Banks, we can be there for you.

Required car insurance coverage in North Carolina

North Carolina law requires drivers to have the following minimum coverage limits.

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Coverage

Bodily injury liability

Description

This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault.

Minimum requirement

$50,000 limit per person

$100,000 limit per accident

Coverage

Property damage liability

Description

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 requirement

$50,000 limit per accident

Coverage

Combined uninsured and underinsured motorists bodily injury

Description

This helps cover your expenses if you’re in an accident caused by a driver who doesn’t have insurance.

Minimum requirement

$50,000 limit per person

$100,000 limit per accident

Required car insurance coverage in North Carolina

North Carolina law requires drivers to have the following minimum coverage limits.

Default Caption Text
Coverage Description Minimum requirement

Bodily injury liability

This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault.

$50,000 limit per person

$100,000 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.

$50,000 limit per accident

Combined uninsured and underinsured motorists bodily injury

This helps cover your expenses if you’re in an accident caused by a driver who doesn’t have insurance.

$50,000 limit per person

$100,000 limit per accident

North Carolina law requires drivers to have the following minimum coverage limits.

Default Caption Text
Coverage

Bodily injury liability
Description

This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault.
Minimum requirement

$50,000 limit per person

$100,000 limit per accident
Coverage

Property damage liability
Description

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 requirement

$50,000 limit per accident
Coverage

Combined uninsured and underinsured motorists bodily injury
Description

This helps cover your expenses if you’re in an accident caused by a driver who doesn’t have insurance.
Minimum requirement

$50,000 limit per person

$100,000 limit per accident

Popular coverage options

Some drivers choose to have more coverage for greater protection.

Collision

If your vehicle is damaged in an accident related to driving, this can help pay to repair or replace it. Leasing companies or lenders may require collision coverage.

Comprehensive

If your vehicle is damaged by things like fire, flooding or hail, this can help pay to repair or replace it. Leasing companies or lenders may require comprehensive coverage.

Rental reimbursement‍ ‍ See note 1

If your vehicle is in the shop for repairs after a covered loss, this helps cover the cost of a rental car.

Roadside assistance‍ ‍ See note 2

If you're broken down, out of gas or stranded with a flat tire, you can get help with roadside assistance.

How much is car insurance in North Carolina?

North Carolina members paid $162 per month on average in 2024‍ ‍ See note 3 for USAA Auto Insurance.

There are many things that affect auto insurance rates. How many miles you drive a year and your driving record both play a part.

North Carolina also has a higher risk for hurricanes and flooding, increasing car insurance costs.

Get up to 30% off your premium at renewal for being a safe driver.‍ ‍ See note 4

With USAA SafePilot®, the better you drive, the bigger the discount you may earn.

Learn about SafePilot

Other ways to make your car insurance cheaper

You don’t have to sacrifice quality coverage and service to lower your premium. We can help with auto discounts and savings.

Multi-vehicle

You’ll save automatically when you have two or more vehicles on a policy.‍ ‍ See note 5

Bundle and save

Save up to 10% when you bundle auto and property policies.‍ ‍ See note 6

New vehicle

If your vehicle is less than 3 years old, you might get a discount on your car insurance.‍ ‍ See note 5

Why choose USAA Auto Insurance

Find out what it means to be a member.

Members save

A survey showed that our members saved an average of $840 per year when they switched to USAA Auto Insurance.‍ ‍ See note 7

Claims made easier

Manage your policy and claims from anywhere 24/7 using the USAA Mobile App.

North Carolina car insurance FAQ

If you’re moving to North Carolina or within the state, you should change the vehicle location on your auto policy. You may also want to review your coverage and deductibles, as insurance needs can change with a move.

It’s also a good idea to check with your state to see if you need to update your vehicle registration.

Some states may require you to carry a physical insurance ID card. You can print your own card or we can send it to you. You can also save a digital copy to the USAA Mobile App.

Related footnotes:

  1. Rental Reimbursement and Transportation Expenses are additional coverages and require additional premium. Restrictions apply.

  2. USAA Roadside Assistance™ is part of USAA Towing and Labor coverage and applies to covered vehicles only. USAA Roadside Assistance is provided through Agero Services Corp. NOTE: If you need to use Roadside Assistance for an insured vehicle that does not have USAA Towing and Labor coverage, you will be responsible for all charges and services performed. Roadside Assistance coverage does not cover the cost of repair parts. Additional premium required for towing and labor coverage with Roadside Assistance.

  3. Average monthly cost for car insurance is based on Monthly Average Premium on USAA Auto Insurance policies for state listed.

  4. The USAA SafePilot® program is an optional discount program available with USAA Auto Insurance. Member must have an active USAA Auto Insurance policy and enroll in USAA SafePilot to receive discount. This program is only available in select states. Program availability and state restrictions apply. Smartphone and download of the USAA DriveSafe™ App required.

    Participation discount expires at first renewal in which the earned driving discount is applied, not to exceed 365 days. Earned driving discount is offered at renewal and is based on driving behavior of all the rated drivers on the policy. Discount may vary by state and over the life of the policy.

    Review the Program Terms and Conditions (Opens in New Window) for more information.

  5. Discounts may not be available in all locations and are subject to change, other restrictions may apply.

  6. Savings are off total premium. Not available in all states or in all situations. To qualify for a discount on the property policy, a USAA Auto Insurance policy must be active within 60 days of issuing the property policy. Discounts will apply at renewal for existing property product(s). Discount subject to change. Restrictions apply.

  7. Potential average savings based on a countrywide survey conducted March 6, 2025 to April 4, 2025 of new customers who self-reported savings when they switched to USAA Auto Insurance between July 1, 2024 to March 26, 2025. Individual savings may vary and isn't guaranteed.

Related footnotes:

  1. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.

  2. Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA EU DAC (Europe), and USAA S.A. UK Branch (pending cancellation to align with the pending branch authorization application) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products.

    Coverages subject to the terms and conditions of the policy.

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