- What is Liability Insurance in North Carolina?
- Does North Carolina Require Liability Insurance?
- Finding the Lowest Cost North Carolina Liability Insurance
- Cheapest Minimum Liability Insurance in North Carolina
- Who Has The Lowest Liability Price? (By City)
- Optional Coverages for North Carolina Liability Insurance – Do I need more than the State Minimum?
- Cost For Liability Only (By City)
- North Carolina Teen Driving Laws
- Bundle and Save on Your North Carolina Liability Insurance Policy
- Discounts offered to keep premiums affordable for Liability Insurance in North Carolina
- North Carolina Auto Insurance Discount Calculator
- Insurance Discount Calculator
- Should I Upgrade To Full Coverage? Cost By City
- Q1: What does North Carolina Liability Insurance cover?
- Q2: How can I obtain North Carolina Liability Insurance?
- Q3: Are there specific coverage limits for North Carolina Liability Insurance?
- INSURANCE SERVICES WE OFFER
- OTHER HELPFUL LINKS: North Carolina Liability Insurance
- North Carolina Liability Insurance Article
What is Liability Insurance in North Carolina?
What are the State Minimum Requirements to make drivers legal on the road in North Carolina? Since each State has different liability requirements, it is important if you’ve moved from out of state, to update your auto insurance policy immediately to make sure you are properly covered. Lets dive into North Carolinas legal car insurance requirements.
All drivers must carry at least $30,000/$60,000/$25,000 liability limits, as well as $30,000/$60,000/$25,000 Uninsured/Underinsured Motorist Bodily Injury Protection and Property Damage in order to be considered legal to operate a vehicle in North Carolina.
| Coverage | Required? |
|---|---|
| Bodily Injury Liability | Required |
| Property Damage Liability | Required |
| Uninsured/Underinsured Motorist Bodily Injury | Required |
| Uninsured/Underinsured Motorist Property Damage | Required |
| Medical Payments/PIP | Optional |
| Comprehensive | Optional |
| Collision | Optional |
Does North Carolina Require Liability Insurance?
North Carolina does require automobile liability insurance to be maintained continuously. The minimum limits a driver may hold for liability insurance is 30/60/25.
Finding the Lowest Cost North Carolina Liability Insurance
Searching for Insurance quotes can be a time-consuming, and often times overwhelming task. Drivers may not know exactly what coverages they need or want. Drivers may not understand all the questions being asked by a licensed Insurance Agent, and that is ok!
At A Plus Insurance, our Insurance agents are here to help you find the best insurance coverage for the best price while educating our customers. What makes us stand out from the rest of the Insurance companies out there? We are real people who take the extra time to explain coverages thoroughly so that our drivers can make an educated decision on what they might want out of an insurance policy.
Where to begin your search for Liability Insurance in North Carolina? We recommend calling at least 3 Insurance companies to compare quotes and determine which is the best coverage, for the best price for each individual. If you give A Plus Insurance a call, we do the work for you by shopping multiple Insurance companies to find you the best North Carolina Liability Insurance.
Looking for reputable companies with the best prices? Check below to see the highest-rated companies in North Carolina by JD Power/AM Best.
| Company | AM Best |
|---|---|
| State Farm | A++ |
| National General | A- |
| Progressive | A+ |
| Geico | A++ |
| Dairyland/Viking | A+ |
| Nationwide | A+ |
| North Carolina Farm Bureau Insurance | A |
AM Best ratings are based on the carrier’s ability to pay out claims, the amount of debt a carrier holds, and the amount of other financial obligations.
A+ // A++ Superior
Assigned to insurance companies that have a superior ability to meet their ongoing insurance obligations
A // A- Excellent
Assigned to insurance companies that have an excellent ability to meet their ongoing insurance obligations
Cheapest Minimum Liability Insurance in North Carolina
If you are only wanting the State Minimum Liability requirements in North Carolina to make you legal on the roadways, look no further. Below is the average cost by company for liability insurance in North Carolina, with a clean driving record. Keep in mind, if you’ve been convicted of any major violation, you may be paying more for your car insurance premium.
| Average Price | Company |
|---|---|
| $157.00 | State Farm |
| $111.00 | Geico |
| $112.00 | Allstate |
| $113.00 | USAA |
| $135.00 | Liberty Mutual |
| $155.00 | Farmers |
| $143.00 | Nationwide |
| $157.00 | American Family |
| $140.00 | Bristol West |
| $108.00 | Dairyland |
| $133.00 | GAINSCO |
| $104.00 | AssuranceAmerica |
| $89.00 | Progressive Insurance |
| $195.00 | Travelers |
| $100.00 | The General |
| $93.00 | National General |
Who Has The Lowest Liability Price? (By City)
| City | Price |
| Cornelius | Geico |
| Eden | The General |
| Piney Green | The General |
| Mebane | The General |
| Knightdale | Liberty Mutual |
| Mount Holly | Geico |
| Concord | Geico |
| Graham | Progressive |
| Holly Springs | The General |
| Salisbury | Progressive |
| Lexington | National General |
| Pinehurst | Progressive |
| Kernersville | Geico |
| Statesville | Bristol West |
| Gastonia | Geico |
| Harrisburg | Geico |
| Waxhaw | Geico |
| Mooresville | Geico |
| Leland | The General |
| Thomasville | The General |
| Lewisville | National General |
| Boone | Liberty Mutual |
| Greensboro | Geico |
| New Bern | Geico |
| Raleigh | Geico |
| Apex | The General |
| Fuquay-Varina | Geico |
| Stallings | Farmers |
| Murraysville | The General |
| Lenoir | Progressive |
| Hendersonville | Geico |
| Henderson | The General |
| Chapel Hill | The General |
| Sanford | The General |
| Monroe | The General |
| Greenville | Farmers |
| Kannapolis | Progressive |
| Morganton | The General |
| Clayton | Progressive |
| Wilmington | Liberty Mutual |
| Southern Pines | Farmers |
| Kinston | Geico |
| Asheville | The General |
| Albemarle | Dairyland* |
| Clemmons | The General |
| Elizabeth City | Progressive |
| Huntersville | Bristol West |
| Shelby | Geico |
| Hickory | National General |
| Carrboro | Progressive |
| Newton | Progressive |
| Burlington | Progressive |
| Rocky Mount | Progressive |
| Jacksonville | Bristol West |
| Fayetteville | National General |
| Morrisville | Farmers |
| Cary | Progressive |
| Hope Mills | Geico |
Optional Coverages for North Carolina Liability Insurance – Do I need more than the State Minimum?
“I only want the State Minimum Car Insurance for the cheapest price.”
This is a common request we get from a lot of customers wanting the bare minimum coverage, in order to keep costs down. However, it is possible to get greater coverage, for only a small additional cost that may be worth it in the long run.
You may find yourself in a situation where you wish you would have had roadside assistance, or perhaps full coverage insurance. Many drivers may not even know some of these coverages exist, so check with your insurance agent to see which coverages are available to you for a small additional cost.
| Coverage | Explanation |
|---|---|
| Medical Payments | Usually $5,000, $10,000 or $25,000 will be paid out to the driver, and any passengers in the event of an accident to help with hospital bills/medical expenses. |
| Comprehensive | Covers fire, theft, vandalism, glass breakage, hail, and impact with an animal. |
| Collision | Covers Impact with another vehicle, or object. |
| Roadside Assistance | Typically covers tow, lockout services, fuel delivery, on scene labor, battery jumpstart, tire change, etc. |
| Rental Reimbursement | Provides reimbursement for a rental car – specific limits per each insurance company. |
| Gap Insurance | Will pay off the entire loan amount left on a vehicle in the event the vehicle is totaled in an accident. |
Cost For Liability Only (By City)
| City | Price |
| Reidsville | $86.00 |
| Wake Forest | $91.00 |
| Leland | $94.00 |
| Pinehurst | $108.00 |
| Fayetteville | $102.00 |
| Huntersville | $98.00 |
| High Point | $91.00 |
| Thomasville | $94.00 |
| Laurinburg | $100.00 |
| Mount Holly | $88.00 |
| Clayton | $99.00 |
| Graham | $101.00 |
| Greensboro | $101.00 |
| Holly Springs | $106.00 |
| Harrisburg | $100.00 |
| Mint Hill | $92.00 |
| Winston-Salem | $97.00 |
| Elizabeth City | $99.00 |
| Havelock | $109.00 |
| Lumberton | $93.00 |
| Asheville | $87.00 |
| Morganton | $106.00 |
| Southern Pines | $94.00 |
| Salisbury | $91.00 |
| Mooresville | $95.00 |
| Waxhaw | $89.00 |
| Hickory | $99.00 |
| Monroe | $106.00 |
| Indian Trail | $98.00 |
| Garner | $100.00 |
| Murraysville | $108.00 |
| Albemarle | $98.00 |
| Greenville | $108.00 |
| Charlotte | $109.00 |
| Rocky Mount | $97.00 |
| Apex | $108.00 |
| Carrboro | $89.00 |
| Fuquay-Varina | $87.00 |
| Cornelius | $92.00 |
| Goldsboro | $89.00 |
| Eden | $93.00 |
| Wilmington | $87.00 |
| Jacksonville | $92.00 |
| Wilson | $88.00 |
| New Bern | $89.00 |
| Burlington | $93.00 |
| Lewisville | $105.00 |
| Asheboro | $100.00 |
| Kinston | $103.00 |
| Roanoke Rapids | $109.00 |
| Matthews | $89.00 |
| Gastonia | $90.00 |
| Kannapolis | $89.00 |
| Henderson | $99.00 |
| Shelby | $107.00 |
| Mebane | $91.00 |
| Stallings | $97.00 |
| Kernersville | $103.00 |
| Raleigh | $87.00 |
| Piney Green | $90.00 |
| Lenoir | $90.00 |
| Sanford | $100.00 |
| Clemmons | $108.00 |
| Newton | $87.00 |
| Knightdale | $103.00 |
North Carolina Teen Driving Laws
Teenagers must be at least 15 years of age in North Carolina in order to go through the first process called graduated licensing before receiving full driving privileges in North Carolina. There are very strict requirements for young drivers who are going through the graduated licensing which is necessary in order to provide young drivers with on the road experience.
In order to be able to complete the graduated licensing, drivers must first complete a Drivers Education Course, along with a Driver Eligibility Certificate. Once those 2 things are completed, drivers of at least 15 years old can then apply for a North Carolina Graduated License at your local DMV.
Documents required – Social Security card, North Carolina Residency, Document verifying identity and date or birth.
Bundle and Save on Your North Carolina Liability Insurance Policy
Looking for additional ways to save on your North Carolina Liability Insurance policy? The best way to save money is to bundle multiple products with one insurance company. You can save up to 20% on each policy, such as auto, motorcycle, home insurance and more. Take a look at which products we can bundle and save.
In North Carolina, most drivers who bundle their Insurance policies will save 17-20% on their auto insurance policy, which would equal approximately $750 annually! That is a big savings!
| Bundling Options |
|---|
| Auto Insurance |
| Renters Insurance |
| Homeowners Insurance |
| Motorcycle Insurance |
| Commercial Auto Insurance |
| General Liability Insurance |
| Business Owners Insurance |
| RV/Motorhome Insurance |
| Boat Insurance |
| Umbrella Policy |
Discounts offered to keep premiums affordable for Liability Insurance in North Carolina
Did you know that there are dozens of Insurance discounts that can help save you money on your liability insurance in North Carolina? Some discounts are automatically factored into the price, such as safe driver discount, continuous insurance discount, and marital status, multi vehicle/driver discount. However, there are several other discounts out there which could lead to huge savings!
Some of the common discounts include auto pay discount, pay in full, bundle discount, and homeowners discount.
| Discounts |
|---|
| Continuous Insurance Discount |
| 3 Year Safe Driver Discount |
| 5 Year Accident Free Discount |
| Homeowners Discount |
| Married Discount |
| EFT/ Auto Pay Discount |
| Advanced Quoting Discount |
| Pay In Full Discount |
| Multi Vehicle Discount |
| Multi Driver Discount |
| Bundling Discount |
| Paperless Discount |
North Carolina Auto Insurance Discount Calculator
Insurance Discount Calculator
Should I Upgrade To Full Coverage? Cost By City
| City | Price |
| Kinston | $171 |
| Concord | $179 |
| Wilmington | $150 |
| Mooresville | $174 |
| High Point | $150 |
| Lumberton | $153 |
| Harrisburg | $164 |
| Greensboro | $166 |
| Wilson | $175 |
| Statesville | $176 |
| Salisbury | $178 |
| Indian Trail | $176 |
| New Bern | $157 |
| Holly Springs | $153 |
| Lenoir | $147 |
| Raleigh | $157 |
| Thomasville | $179 |
| Piney Green | $156 |
| Cary | $156 |
| Cornelius | $171 |
| Graham | $167 |
| Carrboro | $164 |
| Kannapolis | $173 |
| Burlington | $170 |
| Chapel Hill | $172 |
| Fayetteville | $151 |
| Clayton | $174 |
| Mount Holly | $163 |
| Asheville | $146 |
| Roanoke Rapids | $164 |
| Sanford | $177 |
| Winston-Salem | $154 |
| Knightdale | $157 |
| Hope Mills | $166 |
| Greenville | $173 |
| Southern Pines | $150 |
| Henderson | $150 |
| Rocky Mount | $172 |
| Boone | $147 |
| Kernersville | $172 |
| Albemarle | $178 |
| Reidsville | $158 |
| Monroe | $156 |
| Mint Hill | $169 |
| Newton | $165 |
| Gastonia | $154 |
| Waxhaw | $151 |
| Mebane | $179 |
| Clemmons | $157 |
| Hickory | $180 |
| Eden | $167 |
| Matthews | $176 |
| Charlotte | $164 |
| Huntersville | $176 |
| Pinehurst | $162 |
| Durham | $160 |
| Jacksonville | $172 |
Q1: What does North Carolina Liability Insurance cover?
North Carolina Liability Insurance typically covers bodily injury and property damage liability that you may be responsible for in an accident.
Q2: How can I obtain North Carolina Liability Insurance?
You can obtain North Carolina Liability Insurance by contacting reputable insurance providers in the state. For personalized assistance, call us at 1.888.445.2793.
Q3: Are there specific coverage limits for North Carolina Liability Insurance?
Yes, North Carolina may have minimum coverage requirements for liability insurance. It’s essential to understand and meet these requirements when obtaining coverage.
INSURANCE SERVICES WE OFFER
Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
OTHER HELPFUL LINKS: North Carolina Liability Insurance
North Carolina Liability Insurance Article
Headline: North Carolina Liability Insurance
Description: Understanding Liability Insurance in North Carolina
Author: Learn and Serve Insurance
Publisher: Learn and Serve Insurance
Main Entity URL: https://learnandserve.org/what-documents-should-i-keep-in-my-car/#2-proof-of-insurance
Article Body:
- Liability insurance is a crucial component of car ownership in North Carolina. Here’s what you need to know:
- Liability insurance requirements in North Carolina
- Coverage limits and options
- How liability insurance protects you
- Cost-effective liability insurance policies
- For expert guidance on liability insurance in North Carolina, call us at 1.888.445.2793.
- Let us help you understand and secure the right liability insurance for your vehicle in North Carolina!