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North Carolina Insurance Guide
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Insurance in North Carolina
Find comprehensive insurance information for North Carolina (NC) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Southeast region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | North Carolina (NC) |
| Region | Southeast |
| Population | ~10.7M residents |
| Health Marketplace | Healthcare.gov |
| Insurance Regulator | North Carolina Department of Insurance |
Health Insurance in North Carolina
North Carolina residents can find health coverage through:
- Healthcare.gov - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in North Carolina
North Carolina has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in North Carolina
Protect your home with coverage tailored to North Carolina’s specific risks and requirements.
Life Insurance in North Carolina
Find life insurance options available to North Carolina residents to protect your family’s financial future.
How North Carolina Compares
Understanding how North Carolina stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | North Carolina | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,034 | $1,935 | -47% (well below average) |
| Health Insurance (monthly) | $545 | $477 | +14% (near average) |
| Home Insurance (annual) | $1,489 | $2,377 | -37% (near average) |
| Uninsured Rate | 11.0% | 9.5% | +16% (well below average) |
Key Insights
- Auto insurance in North Carolina is significantly cheaper than the national average, ranking #7 lowest in the country.
- The uninsured rate is among the highest in the country (#41). Marketplace plans with subsidies can help close this gap.
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- North Carolina Department of Insurance (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Healthcare.gov - North Carolina (opens in new tab) - Federal health insurance marketplace for North Carolina
- NC Insurance Underwriting Association (Beach Plan) (opens in new tab) - Coastal property insurance for high-risk areas
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any North Carolina address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- North Carolina Department of Insurance
- Phone
- 855-408-1212
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in North Carolina?
North Carolina requires minimum liability coverage of 30/60/25: $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 for property damage. North Carolina has relatively low auto insurance rates due to rate regulation.
How do I get health insurance in North Carolina?
North Carolina uses the federal marketplace at Healthcare.gov. Open enrollment runs November through January. North Carolina expanded Medicaid in 2023, providing coverage for adults with incomes up to 138% of the federal poverty level.
Does North Carolina homeowners insurance cover hurricane damage?
Standard homeowners insurance covers wind damage from hurricanes, but flood damage requires separate flood insurance. Coastal North Carolina properties may have separate wind/hail deductibles and may need coverage through the NC Beach Plan (FAIR Plan).
Is flood insurance required in North Carolina?
Flood insurance is required for properties in FEMA-designated flood zones with federally backed mortgages. Given North Carolina’s extensive coastline and hurricane exposure, flood insurance is strongly recommended, especially in coastal and low-lying areas.
What is the average cost of car insurance in North Carolina?
North Carolina drivers pay approximately $1,000-$1,200 per year for full coverage auto insurance, which is below the national average. The state’s rate regulation and competitive market help keep rates affordable.
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[north-carolina] Insurance Types
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Neighboring State Guides
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