Insurance Professionals Menu

Looking for cheap insurance in North Carolina? Don’t compromise. Let ValChoice help.

ValChoice is the #1 independent insurance comparison website. Our cost calculators help you find the best auto insurance and homeowners insurance companies in North Carolina. Enter your information below to get insurance quotes and compare car insurance and home insurance companies.

Compare Car Insurance Companies

How much should you pay for car insurance in North Carolina?

Forbes calls ValChoice "Carfax...for insurance."

Find Best Homeowners Insurance

Looking for a homeowners insurance quote in North Carolina?

New York Times calls ValChoice a data analytics company that is bringing transparency to the insurance industry."

Find the Best Car Insurance and Homeowners Insurance in North Carolina

 

Car Insurance Video Library

 

How much does North Carolina car insurance and home insurance cost?

The ValChoice car insurance calculator and homeowners insurance calculator were built so you could know what's a fair price for your insurance.

 

Home Insurance Video Library

Home Insurance Cost on the Rise

Why Dan Karr started ValChoice

Find Out How Your North Carolina Car Insurance and Home Insurance Companies Rate

Special Offer: Get a Premium Rating -- Includes Claims Handling Score (a $9.95 value) -- for Free

FREE PREMIUM RATING
— OR —

FREE PREMIUM RATING

 

Car Insurance Blog

The only place where you find cheap car insurance while also getting the best car insurance. We even show you how to get car insurance discounts.

Home Insurance Blog

Whether you want cheap home insurance or the best home insurance, we have the answers to your home insurance questions.

North Carolina Insurance Laws and Regulations

The North Carolina Department of Insurance develops and enforces insurance laws for the state. Consumers can contact the department with questions and complaints about their auto and home insurance. If you do not receive the service you expect from your insurer, you can file a complaint directly with the North Carolina Department of Justice. The state of North Carolina no longer makes a summary of complaints filed against insurance companies available to consumers. To find this information you can get a ValChoice report on any company that sells auto and home insurance in North Carolina.

The insurance commissioner in the state of North Carolina is elected by the voters of the state. Being elected by voters makes the commissioner directly accountable to the citizens. This is beneficial to consumers when dissatisfied with the performance of an insurance company.

Important Laws

A summary of the driving safety laws for the state of North Carolina can be found at this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of North Carolina.

The North Carolina Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

State law in North Carolina allows for homeowners insurance to invoke hurricane and named storm deductibles. This type of deductible means you will pay a percentage of your homes value before the insurance companies starts paying for losses. This different type of deductible goes into effect when a storm is named by the  National Hurricane Center or the National Weather Service.

North Carolina has minimum auto insurance amounts that are required by law. The table below shows the NC minimum car insurance limits.

Minimum Car Insurance Coverage Required in North Carolina

Minimum Coverage
Bodily Injury, per person 30,000
Bodily Injury, per accident 60,000
Property Damage 25,000

Resources Available to Consumers

Small Claims Court is available for you to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, underinsured or the victim of a flood.