North Carolina Auto Insurance

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  • North Carolina Auto Insurance

North Carolina ranks among one of the cheapest states for auto insurance — and is always in competition as the best state in the southeastern part of the country. So whether you’re rolling by the beach in style, hitting up the mountains near Asheville or navigating the roads of another great North Carolina city like Wilmington, Charlotte, Fayetteville, Raleigh, or Greensboro, North Carolina auto insurance is here to help keep you and your vehicle safe.

Since the North Carolina auto insurance requirements are pretty stringent, you’d think the average cost of auto insurance in the state would be high, right? Wrong! North Carolina auto insurance laws are some of the most forward-thinking in the country, so it’s illegal to continue raising auto insurance rates. That means companies are competing for your business to provide the lowest prices.

Clovered can help you find cheap auto insurance in North Carolina because we partner with some of the state’s top carriers to compare, contrast and provide policies to the great people of the Tar Heel State at the best prices!

North Carolina Auto Insurance Requirements

North Carolina auto insurance laws have increased the state minimum auto insurance requirements to be among some of the highest in the country. If you fail to keep the following coverages on your vehicle, you could face serious fines, suspension of your driver’s license and other legal ramifications that impact your ability to drive — and live a comfortable life.

  • Bodily Injury: $30,000 per person, $60,000 per accident
  • Property Damage: $25,000 per accident
  • Uninsured Motorist Bodily Injury: $30,000 per person, $60,000 per accident
  • Uninsured Motorist Property Damage: $25,000 per accident

What Does North Carolina Auto Insurance Cover?

Property Damage Liability

This coverage helps pay to repair the damage you directly cause to another person’s vehicle or their property if you’re at fault. It’s required by law in most states.

Collision Coverage

This coverage helps pay to repair damage to your vehicle if you’re at fault in an accident that involves another vehicle or piece of property. It’s required if you’re financing or leasing your vehicle.

Comprehensive Coverage

This coverage helps pay to repair or replace your vehicle if it was stolen or damaged by something other than a collision, like a hailstorm, tree, fire or vandalism.

Bodily Injury Liability

If you’re at fault in an accident that injures a passenger of another car or pedestrian, this coverage will help to pay their medical bills, legal fees and loss of income.

Personal Injury Protection

Whether you’re at fault or not in an accident, personal injury protection (PIP) is a no-fault coverage that helps to pay for you and your passenger’s medical bills. Some states make this coverage mandatory.

Medical Payments

This is similar to PIP coverage in that it may help to pay for the medical bills of you and your passenger if you’re involved in an accident, whether you’re at fault or not. It’s different because MedPay is always optional.

Gap Coverage

If your vehicle is totaled in an accident, guaranteed asset protection (GAP) coverage helps to pay the difference between your vehicle’s current worth and what you still owe on your auto loan.

Towing & Labor

An optional coverage, towing and labor may be added to your auto insurance policy to get you out of binds. This pays for a tow truck to pick up your vehicle and take it to the nearest repair shop.

Rental Car

You may add rental car coverage that pays for a rental car while your vehicle is in the shop. But nearly every auto policy also covers the vehicle and passengers when you’re driving a rental car.

Uninsured Motorist

This coverage is within your own auto policy and helps to pay for repairs to your vehicle or for your medical bills if a driver who’s at fault doesn’t have auto insurance.

Underinsured Motorist

This coverage is also within your own auto policy, helping to supplement the remaining expenses to repair your vehicle and pay your medical bills if the other driver doesn’t have sufficient coverage.

How to Get Cheap Auto Insurance North Carolina

Car insurance in North Carolina is among the cheapest in the country. But just because it’s cheap, that doesn’t mean you have to settle for paying the prices you don’t think are fair. Give us a call at Clovered and we can help you find a policy that meets your coverage needs and fits within your budget.

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The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.