Car Insurance in NC: Everything You Need to Know

Car insurance is a legal requirement for drivers in every state in the US, including North Carolina. But finding the right car insurance policy can be a daunting task, with so many different providers and coverage options to choose from. If you live in North Carolina and are looking for car insurance, we’ve got you covered. In this article, we’ll go over everything you need to know about car insurance in NC.

Minimum Car Insurance Requirements in NC

Before we dive into the different types of car insurance coverage available in North Carolina, it’s important to understand the state’s minimum requirements. As of 2021, drivers in NC must carry liability coverage of:

Coverage Type	Minimum Amount
Bodily Injury Liability	$30,000 per person and $60,000 per accident
Property Damage Liability	$25,000 per accident

It’s important to keep in mind that these are just the minimum requirements, and many drivers choose to purchase additional coverage for added protection.

What is Bodily Injury Liability Coverage?

Bodily injury liability coverage helps pay for injuries to other people if you’re at fault in an accident. This coverage typically includes medical expenses, lost income, and legal fees. In North Carolina, drivers are required to carry bodily injury liability coverage of at least $30,000 per person and $60,000 per accident.

It’s important to note that bodily injury liability coverage only applies to injuries that you cause to other people. If you or your passengers are injured in an accident, you’ll need additional coverage to pay for your medical expenses and lost wages.

What is Property Damage Liability Coverage?

Property damage liability coverage helps pay for damage to other people’s property if you’re at fault in an accident. This coverage typically includes damage to other vehicles, buildings, and other property. In North Carolina, drivers are required to carry property damage liability coverage of at least $25,000 per accident.

Again, it’s important to note that property damage liability coverage only applies to damage that you cause to other people’s property. If your own vehicle is damaged in an accident, you’ll need additional coverage to pay for repairs or replacement.

Additional Car Insurance Coverage Options in NC

While liability coverage is the only type of car insurance that’s legally required in North Carolina, many drivers choose to purchase additional coverage for added protection. Here are some of the most common types of coverage available:

Collision Coverage

Collision coverage helps pay for damage to your own vehicle if you’re at fault in an accident. This coverage is not required by law, but many drivers choose to purchase it to protect their investment in their vehicle.

Comprehensive Coverage

Comprehensive coverage helps pay for damage to your vehicle that’s not caused by a collision, such as theft, vandalism, or natural disasters. This coverage is also not required by law, but can provide added peace of mind.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage helps pay for injuries and damages if you’re in an accident with a driver who doesn’t have enough insurance to cover your costs. This coverage is not required by law in North Carolina, but can be a good idea if you want added protection.

Medical Payments Coverage

Medical payments coverage helps pay for medical expenses for you and your passengers if you’re in an accident. This coverage is not required by law, but can be helpful if you don’t have health insurance or want additional protection.

How to Find the Best Car Insurance Rates in NC

Now that you understand the different types of car insurance coverage available in North Carolina, you may be wondering how to find the best rates. Here are some tips:

Shop Around

One of the best ways to find affordable car insurance rates is to shop around and compare quotes from different providers. Be sure to look for providers that offer discounts for safe driving, good grades, and other factors.

Bundle Your Insurance

Many insurance providers offer discounts if you bundle your car insurance with other types of insurance, such as home or renters insurance.

Choose a Higher Deductible

A higher deductible can lower your monthly insurance premiums, but it also means you’ll have to pay more out of pocket if you get in an accident. Be sure to choose a deductible that you can afford.

FAQ: Frequently Asked Questions about Car Insurance in NC

What happens if I drive without car insurance in NC?

If you’re caught driving without car insurance in North Carolina, you could face fines, license suspension, and even jail time. Additionally, if you cause an accident without insurance, you could be held personally liable for damages and injuries.

Can I get car insurance if I have a bad driving record?

Yes, you can still get car insurance if you have a bad driving record, but you may have to pay higher premiums. Some providers offer specialized high-risk insurance for drivers with multiple tickets or accidents on their record.

How much car insurance do I need in NC?

In North Carolina, drivers are required to carry liability coverage of at least $30,000 per person and $60,000 per accident for bodily injury, and $25,000 per accident for property damage. However, you may want to purchase additional coverage for added protection.

What factors affect my car insurance rates in NC?

Some factors that can affect your car insurance rates in North Carolina include your age, driving record, credit history, the type of car you drive, and where you live.

Can I purchase car insurance online in NC?

Yes, many car insurance providers in North Carolina offer online purchasing options for added convenience. Just be sure to do your research and compare quotes from multiple providers before making a decision.

By understanding the different types of car insurance coverage available in North Carolina and taking the time to shop around for the best rates, you can make sure you have the protection you need on the road.