North Carolina is one of the least expensive states in the country for purchasing auto insurance, with an average expenditure of $596 per policy in 2006, according the National Association of Insurance Commissioners. The state requires drivers to carry Uninsured Motorist (UM) coverage, which is probably a good thing: As of 2007, was estimated that 12% of the state's drivers lacked coverage. If you want more details on North Carolina auto insurance requirements, you should contact the North Carolina Department of Insurance (http://www.ncdoi.com/).