view of Charlotte

North Carolina Auto Insurance

Erie Insurance's auto policy provides outstanding protection with loads of features at a great price.

North Carolina is famous for its natural attractions. With options including the scenic Blue Ridge Parkway, Cape Hatteras Lighthouse, and Great Smoky Mountains National Park, it’s easy to enjoy the outdoors in the Tar Heel State. Plus, with the thriving metropolis of Charlotte, North Carolina offers plenty of cultural experiences, such as The Bechtler Museum of Modern Art. No matter what you choose to enjoy, you’ll need auto insurance to cover you – and Erie Insurance is here to help.

Your Coverage Needs

Since 1991, ERIE has been providing drivers in North Carolina with auto insurance coverage that has dozens of extra auto policy features (many at no additional cost to you) and flexibility that lets you customize your auto policy to best fit your needs.

As a driver in North Carolina, you may need:

  • Bodily injury liability
  • Property damage liability
  • Uninsured motorist bodily injury
  • Underinsured motorist bodily injury
  • Uninsured motorist property damage
  • Medical payments
  • Comprehensive
  • Collision

Reducing Your Premium

In addition to the coverage you need, ERIE also offers discounts to help reduce your rates.[1]

  • Earn a discount with factory-installed safety features like anti-lock brakes, air bags and anti-theft devices.
  • Save when you have multiple auto policies or other policies with ERIE.
  • Earn a discount based on reduced usage.
  • Save when you select a payment plan that offers savings.

In addition to these (and other) auto insurance discounts, ERIE offers discounts when you bundle your home, business, life insurance[2] and annuity products. 

Affordable Car Insurance

Cheap auto insurance doesn’t have to mean poor protection and service. Erie Insurance provides affordable car insurance with plenty of opportunities to reduce and avoid increases to your car insurance costs while maintaining quality coverage—all from an insurer that’s recognized for customer service and financial stability.

Talk to car insurance agents in North Carolina about these other ERIE products and how you might qualify for additional discounts.

The ERIE Difference

Our auto policy includes everything you’d expect, plus lots of other things to pick from[3].

Auto Glass Repair
Auto Glass Repair
Comprehensive Coverage from ERIE includes Glass Repair, which waives the deductible for repairs. For a minimal cost, you can add Full Window Glass, which waives the deductible regardless of repair or replacement. Both options provide new wiper blades in the event that your windshield is replaced.
Pet Coverage
Pet Coverage
If your pet gets hurt in an accident while riding in your car, we'll help cover vet treatment costs. (Up to $500 per pet; total limit $1,000.)
Roadside & Rentals Bundle
Roadside & Rentals Bundle
You'll be taken care of in a roadside emergency and when you need more robust rental car coverage.
Personal Item Coverage
Personal Item Coverage
With physical damage coverage, we’ll help cover loss to clothing, luggage and personal belongings that are inside a car that we insure (up to $350).
Locksmith Services
Locksmith Services
When you accidentally lock your keys in your car, we’ll cover the locksmith costs up to $75. It’s part of our comprehensive coverage.
ERIE Auto Plus®
ERIE Auto Plus®

You can boost your coverage with features that you’ll be glad to have if you ever have a car accident.

Not all coverages and benefits are offered in base policy or apply to all states. Some policy extras require additional purchase. Terms, conditions, limitations and exclusions apply; talk to an ERIE agent or see the policy for details. More information on ERIE Auto Plus can be found here.
Quotes
I cannot imagine that there is a better insurance provider than ERIE. Every individual representative has treated me well and guided me through the claims process. The company as a whole seems to care about me more than their bottom line.

Jeremy S.

Local presence

More than 14,000 agents have offices in communities like yours.

Expert advice

An ERIE agent will get to know you and help you determine the right amount of coverage to suit your needs.

Claims assistance

It can be a stressful time, but ERIE agents are there to help you through the claims process.

Ready to get started?

Get an auto insurance quote.

  1. 1. 
    Only available for Erie Insurance Company Voluntary coverages.
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  2. 2. 
    Not available in New York.
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  3. 3. 
    See individual policies for specific coverage details. Certain terms and limitations may apply. Refer to our disclaimer for more information.
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