How can I avoid paying for car insurance in North Carolina?

You cannot avoid paying for car insurance in North Carolina if you own a registered vehicle. Car insurance is required for all vehicle owners in North Carolina, and driving without any coverage can have serious consequences, including license and registration suspension.

In North Carolina, you are required to carry at least $30,000 per person ($60,000 per accident) in bodily injury liability insurance, $25,000 in property damage liability insurance, $30,000 per person ($60,000 per accident) in uninsured motorist bodily injury coverage, and $25,000 in uninsured motorist property damage coverage.

You Don’t Need Car Insurance in North Carolina If:

You only drive borrowed vehicles occasionally. If you are driving a vehicle your friend or relative owns, you will be covered by their personal car insurance policy. For rental cars, you can purchase rental car insurance.

You never drive. If you don’t drive a car at the moment and never plan to drive a car in the future, there is no need to have car insurance.  

You don’t own a registered vehicle. If you do not own a registered vehicle, you have no need to get car insurance. Driving an unregistered vehicle and driving without insurance are both illegal, though.

If you own a registered vehicle, you need to have car insurance in North Carolina. Car insurance in North Carolina costs an average of $735 per year for minimum coverage, which is less expensive than the national average. By comparing quotes from several different companies and taking advantage of every discount available, you can save a lot on your premium each month.

To learn more, check out WalletHub’s guide to lowering car insurance costs along with our picks for the cheapest car insurance companies in North Carolina.