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North Carolina Car Insurance

With an increasingly competitive market for car insurance, finding the right North Carolina car insurance policy can seem overwhelming.

That's why InsureMe is here to cut to the chase — giving you the answers you want and the affordable North Carolina car insurance quotes you need.


Understanding North Carolina Car Insurance

What will North Carolina car insurance do for me?

A North Carolina car insurance policy will protect you from financial loss in the event of an accident. Your car insurance policy is an agreement between you and your company which affirms that in exchange for paying the premiums, the insurance company will cover any losses — as outlined in your policy.

Can I drive without North Carolina car insurance?

No. Under North Carolina's Financial Responsibility Law, all motorists are required to carry liability coverage.

What is liability coverage?

Liability coverage is a facet of your North Carolina car insurance policy which protects you against bodily injury and property damage for which you are responsible.

How much liability coverage do I need?

The minimum requirements for liability coverage in North Carolina are as follows:

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

Am I required to carry protection against uninsured motorists?

Uninsured motorist protection is not mandatory; however your agent must offer it to you. If you do not wish to purchase this coverage, you will need to reject it in writing.

Who is covered under my North Carolina car insurance policy?

The Personal Automobile Policy will cover you, your family members or any other person driving the insured car with your permission.

What determines the rates for my North Carolina car insurance?

Your North Carolina car insurance rates are determined by the following:

  • Your driving record
  • Where you live
  • Type of car you drive
  • The average amount of mileage incurred annually

Your driving record is the number one factor in determining the rates for your North Carolina car insurance policy.

North Carolina's Safe Driver Incentive Plan (SDIF) was enacted by the General Assembly to reward good drivers. The SDIF charges points to motorists for convictions and at-fault accidents. Just one point on your driving record can increase your premiums by 25 percent.

More Money Saving Tips for North Carolina Car Insurance:

  • Ask about discounts — insurance companies usually offer discounts for safe drivers, mature drivers, and good student drivers.
  • Increase your deductible.
  • Check on special prices for group policies.
  • Do your homework — before you purchase your North Carolina car insurance you will want to verify whether your agent is licensed. Contact the North Carolina Department of Insurance at 1-800-546-5664 to ensure that your agent is legit.

While these tips can put money back in your pocket, the number one way to save on North Carolina car insurance is to shop around.

Get Started Today!

Don't wait for that unexpected fender bender. Find affordable North Carolina car insurance today.


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