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North Carolina Auto Insurance

North Carolina wants its drivers to be prepared for the unforeseen when behind the wheel. If you're a licensed driver in NC, you're required to have car insurance that incorporates bodily injury and property damage liability and uninsured/underinsured motorist coverage.

Liability coverages kick in when you're at fault in a wreck to prevent you from having to pay thousands out-of-pocket. Bodily injury liability can cover medical, rehabilitation, and/or funeral expenses if you cause a crash that injures another person. Property damage liability goes toward necessary repairs or replacements of another party's car or other personal property when you're responsible for a collision.

Here are the minimum limits established by the Tar Heel State and what they mean:


  1. $30,000 coverage for bodily injury per person
  2. $60,000 coverage for total injury per accident
  3. $25,000 coverage for property damage

Is this enough coverage? Maybe, but maybe not. Remember, the above numbers are the limits on what your insurer pays. But you could still be responsible, depending on the injuries and property damage. Any payments above your limits would come out of your pocket.

The final coverage requirement helps protect motorists when they're not at fault in a collision. Uninsured/underinsured motorist coverage comes into play when you're hit by a driver that either doesn't have insurance or doesn't have adequate coverage to afford you the necessary repairs, replacements, or medical expenses.

Do you still need more coverage? Consider this. The protections above don't address damage to your vehicle when you cause a wreck. For help there, you'll need collision coverage. When you ask an agent about that, ask about comprehensive coverage, too; it can help cover damage from fire, flooding, and more.

Discounts can cut NC auto insurance premiums

In North Carolina, drivers are eligible for a number of discounts on auto insurance, including:

  • Homeowners discount.
  • Multi-car discount.
  • Multi-policy discount.
  • Good driver discount.
  • Safety features discount.

For a quote to fit your insurance needs, call a agent. It's free, so you have nothing to lose. Call today!

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