North Carolina Insurance
Licensed North Carolina agents comparing 40+ carriers for auto, home, and commercial coverage. Offices in Charlotte and Greensboro serving the entire Tar Heel State.
Select Insurance Group offers auto, home, motorcycle, RV, and commercial insurance to North Carolina residents and businesses. As an independent agency with local offices in Charlotte and Greensboro, we compare rates from more than 40 carriers — including Progressive, Travelers, Safeco, and National General — to find competitive coverage. North Carolina drivers must carry at least the state-minimum liability limits under its At-Fault (Contributory Negligence) system, and our licensed agents help you decide when higher limits or optional coverages like uninsured-motorist protection make sense. Call (980) 237-4297 for a free, no-obligation quote, or start one online in minutes. Se habla español.
Last updated: May 30, 2026
North Carolina Auto Insurance Requirements & Minimums
| Coverage | NC Requirement |
|---|---|
| Fault System | At-Fault (Contributory Negligence) |
| Bodily Injury (per person) | $30,000 |
| Bodily Injury (per accident) | $60,000 |
| Property Damage | $25,000 |
| Uninsured Motorist (required) | $30,000/$60,000 |
North Carolina is one of only four states that follow contributory negligence. If you are even 1% at fault, you cannot recover damages from the other driver. This makes high liability limits and UM/UIM coverage essential.
North Carolina is the only state that requires UM/UIM coverage equal to your liability limits. This provides critical protection when you are hit by an uninsured or underinsured driver.
The NC Rate Bureau files auto insurance rates on behalf of all carriers in the state. While base rates are standardized, surcharges and discounts vary by carrier — making it important to compare quotes from multiple companies.
North Carolina's contributory negligence law creates serious financial risk at minimum limits. We recommend at least 100/300/100 liability. Since NC requires UM/UIM equal to your liability limits, higher liability automatically provides better uninsured motorist protection.
North Carolina Home Insurance: Coast to Mountains
North Carolina's geography creates dramatically different insurance needs across the state. Outer Banks and coastal communities face hurricane and flood risk, the Piedmont region experiences severe thunderstorms and tornadoes, and western mountain communities deal with ice storms and landslide exposure.
The NC FAIR Plan (Fair Access to Insurance Requirements) provides wind and hail coverage for coastal properties that cannot obtain coverage in the private market. Beach Plan policies cover only wind — you still need a standard homeowners policy for fire, theft, and other perils. Select Insurance Group coordinates both policies to ensure complete protection.
North Carolina homeowners in Harnett, Moore, and Lee counties along the Sandhills region often face higher rates due to wildfire risk. We compare carriers to find the best rates for your specific risk profile, whether you are on the coast, in the Piedmont, or in the mountains.
North Carolina Workers Compensation & Business Coverage
North Carolina imposes penalties of $1 per employee per day (minimum $50/day) for employers operating without required workers compensation. Willful violations can result in misdemeanor criminal charges.
North Carolina requires workers compensation for employers with 3 or more employees. Agricultural employers with 10+ regular non-seasonal employees are also covered. Corporate officers can exempt themselves, but the employee count still determines the requirement.
North Carolina's growing research triangle, banking sector, and manufacturing base create diverse commercial insurance needs. From general liability for Charlotte's service businesses to commercial auto for logistics operations, our agents structure coverage that matches your industry's specific risks.
Why Choose Select Insurance Group
in North Carolina?
Two NC offices — Charlotte and Greensboro — with agents who understand local market conditions across the Tar Heel State.
Expertise navigating NC's unique contributory negligence law and mandatory UM/UIM requirements.
NC FAIR Plan coordination for coastal homeowners who need wind coverage alongside standard policies.
Commercial insurance for NC's research, banking, manufacturing, and logistics industries.
North Carolina Insurance Carrier Partners
We compare rates from these top-rated carriers — and more — to find the best coverage and price for North Carolina residents.
| Carrier | File a Claim |
|---|---|
| Dairyland | Start a claim · 800-334-0090 |
| Discovery | Start a claim |
| Greenville Casualty | Start a claim |
| Insurance House | Start a claim |
| National General | Start a claim · 1-800-468-3466 |
| Gainsco | Start a claim · 1-866-424-6726 |
| Acceptance | Start a claim |
We also place coverage with Progressive, Travelers, Safeco, Bristol West, Foremost, Kemper, Stillwater, Encompass, NC FAIR Plan, and other top-rated carriers.
Need to file a claim with one of our carriers? Report a Claim
North Carolina Office Locations & Cities We Serve
North Carolina Offices
Cities We Serve in North Carolina
Don't see your city? We serve all of North Carolina. Call (980) 237-4297
North Carolina Insurance by Type
North Carolina Insurance Frequently Asked Questions
What are North Carolina's minimum auto insurance requirements?
North Carolina requires 30/60/25 liability coverage: $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage. NC is the only state that also requires Uninsured Motorist coverage equal to your liability limits.
How does contributory negligence affect my NC auto insurance?
North Carolina follows contributory negligence, meaning if you are found even partially at fault, you cannot recover damages from the other driver. This makes carrying high liability limits critical, as you may need to rely entirely on your own policy for medical bills and vehicle repairs.
What is the NC FAIR Plan?
The NC FAIR Plan provides wind and hail coverage for coastal properties that cannot obtain coverage in the private market. It covers only wind damage — you still need a standard homeowners policy for fire, theft, liability, and other perils. Select Insurance Group coordinates both policies to ensure complete protection.
Does North Carolina require workers compensation insurance?
Yes. North Carolina employers with 3 or more employees must carry workers compensation insurance. Penalties for non-compliance include fines of $1 per employee per day with a minimum of $50/day, and willful violations can result in criminal misdemeanor charges.
How much does home insurance cost in North Carolina?
North Carolina homeowners insurance costs vary dramatically by region. Coastal Outer Banks properties pay significantly more than Piedmont or mountain homes due to hurricane risk. Working with an independent agent who compares 40+ carriers helps ensure you get the most competitive rate for your specific location and risk profile.
Does North Carolina require uninsured motorist coverage?
Yes. North Carolina is the only state that requires Uninsured/Underinsured Motorist (UM/UIM) coverage at limits equal to your liability coverage. If you raise your liability limits, your UM/UIM protection rises with them automatically — one reason higher limits are especially worthwhile in NC.
How much does car insurance cost in North Carolina?
North Carolina auto rates are filed through the North Carolina Rate Bureau, so base rates are similar across carriers — but surcharges, discounts, and tier placement vary, which is why quotes still differ between companies. Your location, driving record, vehicle, and coverage level all affect the final premium, so comparing carriers helps you land in the most favorable tier.
Get Protected in North Carolina
Compare quotes from 40+ carriers. Free, no-obligation — just the right coverage for North Carolina residents.