North Carolina Auto Insurance

Drivers in North Carolina State are required to have liability coverage, and to carry proof of their insurance in their cars with them at all times. Even rental car drivers will need to have insurance, although most average North Carolina auto insurance policies will also include coverage for auto rentals.

Minimum North Carolina auto insurance

The state of North Carolina requires that drivers have the following amounts of insurance:

• Bodily Injury and Death: $30,000 to cover one person in any one accident, and $60,000 to cover all injuries
• Property Damages: $25,000 

North Carolina follows a tort system in case of accidents, meaning that one of the drivers in the accident must be found at fault, and will be responsible for paying for all medical bills and damages.

Penalties without North Carolina auto insurance

The Division of Motor Vehicles in North Carolina can find out from your insurance company if your policy has lapsed. If you are caught driving without insurance, whether because the DMV has been notified, or if a police officer pulls you over and you have no proof of coverage, you'll possibly face heavy fines and lost driving privileges. The North Carolina DMV can then revoke your license plates for at least a month, and you will have to pay in order to restore your driving privileges and license plates, along with additional service fees.

In order to protect your vehicles (and your financial security), it's important to carry auto insurance. If the costs seem too high, then take note that you may also get certain discounts . For example, if you have a good driving record, good students on your policy, or if home or rental insurance is included with your auto insurance, then you can take advantage of substantial cuts in your premium.

Request a free quote for North Carolina auto insurance today!