North Carolina Car Insurance Quotes (NC)

Do you need to insure a new car or truck? If so, you have come to the right place. We have partnered with the most prominent auto insurers – companies like GEICO, Progressive, Nationwide, and many others – to help you to compare car insurance quotes on the web. Asking for North Carolina auto insurance quotes from a diverse range of insurers is a surefire way to make sure you aren’t overpaying with respect to your monthly premiums. Once you assess policies, premiums, and discounts from various providers, you can make the best decision about which policy is perfect for you and your family.

Auto Insurance Requirements in North Carolina

If you are living in North Carolina, auto insurance is required. North Carolina has regulations outlining the minimum amount of liability coverage you are required to possess. Typically, you will see these liability coverages stated as 3 usd amounts, as an example $30,000/$60,000/$25,000.

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  1. Bodily injury liability maximum for one person injured in one single accident: $30,000
  2. Bodily injury liability maximum for all of the injuries in one accident: $60,000
  3. Property damage liability maximum for one single accident: $25,000

North Carolina: No Fault State?

North Carolina is not a no-fault state. Under no-fault auto insurance laws, your policy must pay medical bills for both you and your vehicle’s occupants, no matter who caused the accident. No-fault states have these laws and regulations in place in order to decrease insurance fraud – a real issue in some areas.

Uninsured Motorist Insurance in North Carolina

In North Carolina, uninsured motorist insurance is required. Uninsured motorist insurance, often known as UM/UIM coverage, provides for a policyholder to receive damages for any injury they receive from an uninsured, negligent driver. Most experts advise that you get uninsured motorist coverage, regardless of whether UM/UIM protection is required where you live or not. This is because close to three in 20 American drivers aren’t covered by an auto insurance policy.