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North Carolina car insurance

North Carolina Auto Insurance

Compare Auto Insurance in North Carolina

North Carolina Auto Insurance Minimums

  • $30,000 bodily injury for one person
  • $60,000 per accident
  • $25,000 property damage
  • Click here for more auto insurance minimums in North Carolina.

North Carolina DUI Laws

  • DUI is considered a BAC of 0.08% and 0.04% commercial drivers.
  • Enhanced sentencing for BAC of 0.15% and higher.
  • Click here for more DUI laws in North Carolina.

North Carolina SR-22 Auto Insurance Requirements

  • SR-22 may be required for a number of reasons.
  • An SR-22 is typically required to reinstate a suspended license.
  • Click here for all SR-22 requirements in North Carolina.

North Carolina Hands-Free Laws

  • The North Carolina legislature has considered several cell phone/texting laws.
  • North Carolina Senate Bill 1289 prohibits drivers under 18 from using a cell phone while driving.
  • Click here for Hands-Free laws in North Carolina.

North Carolina Teen Auto Insurance

  • North Carolina utilizes a Graduated Driver Licensing (GDL) system for teen drivers.
  • To qualify for a limited learner permit, teen drivers must be between 15 and 18.
  • Click here to learn all you need to know about North Carolina teen driver laws.
Your insurance policy is basically a contract between you and your insurance company. You agree to pay the premium and the insurance company agrees to pay for losses and/or damages in the event of an accident. It's important to remember when drawing up your personal policy that most states only require minimum coverage amounts. Most insurance experts agree that you should base your deductibles and types of coverage on your personal needs and circumstances.

When you are involved in an auto accident and found to be responsible, it is extremely important to have the proper insurance coverage. Auto insurance protects you from financial loss. Without it, your home, savings, future wages, and all other personal assets can be at risk in order to cover the costs of accident-related medical bills, property damage, and lawsuits.

Being underinsured can be almost as devastating as having no insurance. When speaking with your agent, be sure to take into consideration all aspects of your situation- family, income, and personal assets- when putting together your auto insurance policy.

If you are deemed responsible for an auto accident which results in injury to another person or persons, bodily injury liability coverage provides funds for accident-related medical expenses, lost wages, and pain and suffering. The State of North Carolina requires the following minimum coverage amounts to be purchased and maintained by all motorists:

  • $30,000 total for bodily injury coverage, per person
  • $60,000 total for bodily injury coverage, per accident
  • $25,000 total for property damage, per accident

A skilled insurance agent can help you sort through the many auto insurance options available and can offer sound and practical advice when it comes to making your selections. You can also depend on your agent to be a trusted and knowledgeable source for information regarding your state's minimum requirements.

Again, you want to remember that whatever amount you select is the maximum amount that your insurance provider will pay out on a claim. The minimum amounts as required by law are often times not enough to fully cover damages which occur in an accident for which you are responsible. Therefore, you may want to consider choosing higher amounts of insurance coverage when you purchase your policy.

For any other concerns or questions, please contact:

North Carolina Department of Insurance
Dobbs Building
430 N. Salisbury Street
Raleigh, NC 27603
(919) 807-6750
(800) 546-5664 Toll Free Instate

North Carolina Car Insurance Agents

If you live in North Carolina and are looking for an auto insurance agent to help you with your insurance needs, you've come to the right place.

North Carolina Auto Insurance agents are fully qualified professionals whose goal is to make the process of buying auto insurance easy and enjoyable for you- their customer. They are also able to compare coverage and prices from many different sources- including most of the leading, well-respected insurance companies in the country. This allows them to formulate the right auto insurance policy for each individual client in terms of coverage and cost.

By knowing what to ask and thoughtfully listening to your questions and concerns, a good agent can formulate a policy which is just right for you- one that protects you and your property as well as your assets. A trusted professional agent will stand by you when you have to submit a claim and will work hard to ensure that your policy is up-to-date and continues to meet your needs and personal situation. Circumstances can change over time and it is the business of a good agent to adapt your policy to any such changes.

If you would like to receive a quote from a qualified agent, please use our Agent Locator. It offers an extensive list of professional agents in your local area.

Tips to saving money on your insurance premiums

  • Raise your deductible. Remember, the higher your deductible, the lower the cost.
  • If you're purchasing a new vehicle, get an insurance quote before you buy. Insurance prices can vary dramatically depending on the make and model of the car you purchase.
  • If you don't put a lot of miles on your car annually, ask about a low-mileage discount.
  • Bundle your insurance policies. Purchasing life, home, auto and other insurance policies from one company can earn you up to 10% off the total cost of your premiums.
  • If you have a teenage driver in the family, ask about a good student discount.
  • Improve your credit score. Many insurance companies use your credit score to determine the cost of your premium. Be sure to check your score before applying for new insurance to make sure it is accurate and up-to-date.

By taking advantage of these money-saving tips and working with a professional insurance agent, you can be confident that you are getting the lowest possible rate on your auto insurance policy!

While it seems that North Carolina residents aren't over-paying for car insurance, the truth of the matter is that they really are. There are numerous ways for residents of North Carolina to minimize what they spend on car insurance annually. There are excellent resources to be utilized on the Internet such as those offered at

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