North Carolina liability insurance

North Carolina Liability Insurance Cheapest Prices around!

Low Cost, Affordable Insurance: All about Liability Insurance in North Carolina

KEYWORDS KEYWORDS KEYWORDS!!!

Minimum Liability Requirements for North Carolina

$30,000 Bodily Injury for each person, $60,000 total each accident, and $25,000 for property damage.

30 /60 /25

By Lauren McKenzie | Licensed Agent at Learnandserve.org | Powered by A Plus Insurance

North Carolina Auto Insurance Requirements – The Bare Minimum

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.

Bodily Injury LiabilityRequired
Property Damage LiabilityRequired
Uninsured/Underinsured Motorist Bodily InjuryRequired
Uninsured/Underinsured Motorist Property DamageRequired
Medical Payments/PIPOptional
ComprehensiveOptional
CollisionOptional
North Carolina Auto Insurance Requirements

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.

State FarmA++
National GeneralA-
ProgressiveA+
GeicoA++
Dairyland/VikingA+
NationwideA+
North Carolina Farm Bureau InsuranceA
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.

$157.00State Farm
$111.00Geico
$112.00Allstate
$113.00USAA
$135.00Liberty Mutual
$155.00Farmers
$143.00Nationwide
$157.00American Family
$140.00Bristol West
$108.00Dairyland
$133.00GAINSCO
$104.00AssuranceAmerica
$89.00Progressive Insurance
$195.00Travelers
$100.00The General
$93.00National General
Average cost by company for Liability Insurance in North Carolina.

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.

Medical PaymentsUsually $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.
ComprehensiveCovers fire, theft, vandalism, glass breakage, hail, and impact with an animal.
CollisionCovers Impact with another vehicle, or object.
Roadside AssistanceTypically covers tow, lockout services, fuel delivery, on scene labor, battery jumpstart, tire change, etc.
Rental ReimbursementProvides reimbursement for a rental car – specific limits per each insurance company.
Gap InsuranceWill pay off the entire loan amount left on a vehicle in the event the vehicle is totaled in an accident.
North Carolina Auto Insurance Requirements and Additional Coverages.

North Carolina Teen Driving Laws

North Carolina Liability Insurance
2022 North Carolina liability insurance

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!

Auto Insurance
Renters Insurance
Homeowners Insurance
Motorcycle Insurance
Commercial Auto Insurance
General Liability Insurance
Business Owners Insurance
RV/Motorhome Insurance
Boat Insurance
Umbrella Policy
North Carolina Liability Insurance Bundle Options

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.

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
Discounts Available for Instant Savings on your North Carolina Liability Insurance Policy.

North Carolina Auto Insurance Discount Calculator

Insurance Discount Calculator


OTHER HELPFUL LINKS: North Carolina Liability Insurance

Cheap Full Coverage Auto Insurance in North Carolina
Auto and Home Insurance Bundles in North Carolina
Affordable Homeowners Insurance
North Carolina’s Cheapest Motorcycle Insurance
Liability Insurance in North Carolina Related Links

Last Updated on by Lauren Mckenzie