Enter your ZIP code:

North Carolina Auto Insurance

Finding affordable North Carolina auto insurance in today's competitive market can seem overwhelming.

That's why InsureMe is here to cut to the chase—by using our free referral service, we will provide you with up to five quotes to make the quest for affordable North Carolina auto insurance a thing of the past.


Protecting Yourself with North Carolina Auto Insurance

What will North Carolina auto insurance do for me?

Your North Carolina auto insurance will protect you from monetary loss in the event of an automobile accident. Your auto insurance policy acts as a contract between you and your company which says that in exchange for paying the premiums, your insurance company will compensate for any losses—as outlined in your policy.

Can I drive without North Carolina auto insurance?

No. The North Carolina Financial Responsibility Law requires all motorists to carry liability coverage.

How much North Carolina auto insurance do I need?

North Carolina requires that you maintain the following:

  • $30,000 in bodily injury coverage per person
  • $60,000 in bodily injury coverage for all persons involved in an accident
  • $25,000 in coverage for property damage

It is important to note that these minimum requirements may not be enough to cover damages in the event of an accident. Before purchasing North Carolina auto insurance you will want to ask yourself:

  • How much of my property can I afford to lose if it is stolen or damaged?
  • If my property is stolen or damaged, how much will it cost to replace?
  • If I am sued by someone who was hurt because of my misconduct, could I pay my legal costs? How could I afford the damage awards to the victim?

Your answers to these questions may affect the amount of coverage you choose to buy.

Who will be covered under my North Carolina auto insurance?

The Personal Automobile Policy will cover you and any family member or other person you authorize to use your vehicle.

How will rates for my North Carolina auto insurance be determined?

Your agent will consider these factors when determining a premium for your North Carolina auto insurance:

Your Driving Record
Your driving record is the largest factor in determining your premium for North Carolina auto insurance. North Carolina assigns points to motorists with convictions or at-fault accidents which ultimately increase rates.

Where You Live
Your location also plays a part in determining your rates. Living in an urban area increases the risk of accident or theft and may boost your rate, whereas living in a rural area will decrease these risks.

Type of Automobile
Insurers must estimate the likelihood of theft and cost to repair or replace your vehicle when determining rates for North Carolina auto insurance. The style of your vehicle may also increase your premium–sports cars are likely to warrant higher premiums than mini vans.

Mileage
Motorists driving greater distances (to work, for instance) are at greater risk for accident and therefore may receive higher premiums.

How do I protect myself against insurance fraud?

Unfortunately, North Carolina has a high incident of insurance fraud. Commissioner Jim Long urges consumers take every necessary step before purchasing North Carolina auto insurance.

As you shop for North Carolina auto insurance, you will want to research prospective companies with the help of reliable sites like A.M Best or Weiss Research. Commissioner Long also encourages you to verify whether your agent is licensed by calling 1-800-546-5664.

Don't Wait for that Unexpected Accident!

Enter your information to the right and let InsureMe provide you with up to five free quotes for North Carolina auto insurance today.


Free Car Insurance Quotes!  
Free Home Insurance Quotes!   
Free Health Insurance Quotes!   
Free Life Insurance Quotes!   
List of Articles
No. Subject Author Viewssort
102 Massachusetts Works to Install Competitive Auto Insurance Market youcomparequotes 17280
101 North Carolina Car Insurance youcomparequotes 14195
100 Vermont Car Insurance youcomparequotes 13110
99 Florida Car Insurance Quotes youcomparequotes 12469
98 Washington, D.C. Car Insurance youcomparequotes 12021
97 Alaska Auto Insurance youcomparequotes 11576
96 Washington Car Insurance Quotes youcomparequotes 11531
95 Pennsylvania Auto Insurance Quotes youcomparequotes 11427
94 West Virginia Car Insurance youcomparequotes 11421
93 New York Auto Insurance Quotes youcomparequotes 11390
92 Maryland Auto Insurance youcomparequotes 11283
91 New Hampshire Car Insurance youcomparequotes 11266
90 Maryland Car Insurance youcomparequotes 11265
89 Arkansas Car Insurance youcomparequotes 11258
88 Nebraska Auto Insurance youcomparequotes 11248
87 Louisiana Car Insurance youcomparequotes 11231
86 Washington Auto Insurance Quotes youcomparequotes 11195
» North Carolina Auto Insurance youcomparequotes 11177
84 Minnesota Auto Insurance Quotes and Information youcomparequotes 11159
83 California Auto Insurance Quotes youcomparequotes 11112
82 Oregon Car Insurance Quotes youcomparequotes 11082
81 Massachusetts Auto Insurance Reform youcomparequotes 11059
80 Minnesota Car Insurance Quotes youcomparequotes 11054
79 Washington, D.C. Auto Insurance youcomparequotes 11050
78 Arizona Auto Insurance youcomparequotes 11036
77 Tennessee Auto Insurance youcomparequotes 11014
76 California Car Insurance Quotes youcomparequotes 10970
75 Georgia Auto Insurance Quotes youcomparequotes 10969
74 Maine Auto Insurance youcomparequotes 10933
73 Pennsylvania Car Insurance Quotes youcomparequotes 10926
72 Mississippi Car Insurance youcomparequotes 10918
71 Wyoming Car Insurance youcomparequotes 10898
70 North Dakota Auto Insurance youcomparequotes 10889
69 New Hampshire Auto Insurance youcomparequotes 10879
68 Virginia Auto Insurance Quotes youcomparequotes 10875
67 South Carolina Car Insurance youcomparequotes 10871
66 Virginia Car Insurance youcomparequotes 10862
65 Hawaii Auto Insurance youcomparequotes 10855
64 Texas Car Insurance Quotes youcomparequotes 10833
63 Texas Auto Insurance Quotes youcomparequotes 10831
62 Mississippi Auto Insurance youcomparequotes 10825
61 Utah Car Insurance youcomparequotes 10806
60 Wyoming Auto Insurance youcomparequotes 10795
59 Oklahoma Car Insurance youcomparequotes 10784
58 Alaska Car Insurance youcomparequotes 10784
57 Hawaii Car Insurance youcomparequotes 10768
56 Alabama Auto Insurance youcomparequotes 10765
55 Oklahoma Auto Insurance youcomparequotes 10756
54 South Carolina Auto Insurance youcomparequotes 10748
53 Oregon Auto Insurance Quotes youcomparequotes 10737
52 Kentucky Car Insurance youcomparequotes 10682
51 South Dakota Car Insurance youcomparequotes 10676
50 Delaware Car Insurance youcomparequotes 10668
49 Kansas Auto Insurance youcomparequotes 10653
48 Arkansas Auto Insurance youcomparequotes 10647
47 Nevada Auto Insurance youcomparequotes 10622
46 Utah Auto Insurance youcomparequotes 10610
45 Missouri Car Insurance youcomparequotes 10608
44 Arizona Car Insurance Quotes youcomparequotes 10601
43 Rhode Island Auto Insurance youcomparequotes 10597
42 Nevada Car Insurance youcomparequotes 10589
41 Louisiana Auto Insurance youcomparequotes 10581
40 Delaware Auto Insurance youcomparequotes 10546
39 Iowa Auto Insurance youcomparequotes 10532
38 Iowa Car Insurance youcomparequotes 10516
37 Missouri Auto Insurance youcomparequotes 10506
36 Wisconsin Auto Insurance youcomparequotes 10503
35 North Dakota Car Insurance youcomparequotes 10493
34 Ohio Car Insurance Quotes youcomparequotes 10487
33 Indiana Car Insurance youcomparequotes 10485
32 Colorado Car Insurance Quotes youcomparequotes 10474
31 Illinois Car Insurance youcomparequotes 10467
30 Connecticut Car Insurance youcomparequotes 10463
29 Montana Auto Insurance youcomparequotes 10450
28 Indiana Auto Insurance youcomparequotes 10450
27 Tennessee Car Insurance youcomparequotes 10440
26 Idaho Auto Insurance youcomparequotes 10421
25 Wisconsin Car Insurance youcomparequotes 10419
24 Ohio Auto Insurance Quotes youcomparequotes 10412
23 New York Car Insurance Quotes youcomparequotes 10411
22 Florida Auto Insurance Quotes youcomparequotes 10410
21 Kentucky Auto Insurance youcomparequotes 10399
20 Find Maine Car Insurance youcomparequotes 10377
19 West Virgina Auto Insurance youcomparequotes 10367
18 New Jersey Auto Insurance youcomparequotes 10354
17 Idaho Car Insurance youcomparequotes 10336
16 Montana Car Insurance youcomparequotes 10308
15 Connecticut Auto Insurance youcomparequotes 10290
14 Nebraska Car Insurance youcomparequotes 10276
13 Alabama Car Insurance youcomparequotes 10255
12 Michigan Car Insurance youcomparequotes 10242
11 Rhode Island Car Insurance youcomparequotes 10224
10 Kansas Car Insurance youcomparequotes 10223
9 New Jersey Car Insurance youcomparequotes 10215
8 Vermont Auto Insurance youcomparequotes 10147
7 Illinois Auto Insurance youcomparequotes 10113
6 Georgia Car Insurance youcomparequotes 10075
5 Colorado Auto Insurance youcomparequotes 10027
4 New Mexico Auto Insurance youcomparequotes 9986
3 Michigan Auto Insurance youcomparequotes 9972
2 South Dakota Auto Insurance youcomparequotes 9952
1 New Mexico Car Insurance youcomparequotes 9867
XE Login