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North Carolina Car Insurance

North Carolina is a highly ranked state in terms of peoples happiness, and a car is needed to get from one place to the next. Many firsts happened in the state, including Babe Ruth's first home run. Get the best rates for car insurance in North Carolina and your own home run at General. Free quotes from the best car insurance companies are available. Whether you are retiring to North Carolina for the beaches, or moving there for work, or simply looking for better car insurance rates in the state, the car insurance tools here are ready to assist you. Protect yourself financially by knowing the requirements for auto insurance in North Carolina and also fulfilling those requirements.

Auto Insurance Requirements In North Carolina

When people are responsible for an accident in the state of North Carolina, they are also responsible for the costs of damages and injuries related to the accident. Getting an automobile insurance plan in North Carolina is the best way to protect yourself financially if a car crash occurs. This is the most popular way to protect yourself and can help you keep more money in your pocket if an emergency occurs. North Carolina requires that people have liability insurance coverage to drive legally in the state.

Both bodily injury liability protection and property damage liability protection are required. Per person in an accident, North Carolina requires $30,000 for bodily injury coverage. There also needs to be a total of $60,000 for bodily injury insurance coverage per accident. In addition, $25,000 of property damage liability coverage per accident must be purchased. People need car insurance, otherwise they will be driving illegally and could be penalized. Outside of these types of insurance coverage, uninsured motorist coverage is also mandated. If another driver lacks automobile insurance coverage and causes an accident you are involved with, uninsured motorist coverage will help cover these expenses.

When people go to register their vehicle in North Carolina, which is also required, they will need to provide proof of insurance. This requirement can be accomplished by presenting your insurance policy itself, presenting a DLO123 form that has been issued by your insurance provider, providing an insurance binder, or presenting an insurance card. Each of these things can be obtained from your car insurance carrier, and you only need to present one of them unless otherwise specified.

Other types of automobile insurance are also available in North Carolina, and many people get these additional types of protection. Collision insurance, comprehensive insurance, towing and labor, and rental car coverage are available, among other types of plans.

Average Cost Of Coverage In North Carolina

The average costs of car insurance coverage in North Carolina can vary by age and is also dependent on what types of auto insurance plans you are purchasing. Rates are determined using multiple factors, including age, marital status, credit, driving history, gender, and more. People who are moving to North Carolina get to enjoy some of the cheapest car insurance plans in the country. You can save money on automobile insurance by shopping around and getting free quotes from multiple companies at General.

Age Average Premium (yearly)
16 $2,649
17 $2,063
18 $1,811
19 $934
20s $876
30s $858
40s $848
50s $843
60s $857
70s $897

Cheapest Car Insurance Companies In North Carolina

The top cheap car insurance companies in North Carolina that can service your needs include Geico, Erie, State Farm, North Carolina Farm Bureau, and Progressive. Depending on your driving record, and which other types of automobile insurance policies you purchase, you could get the best rates from one of these companies. Use the free car insurance quote tools at General to find the top prices for you.

Rank Company  Avg. Premium (annual)
1 NC Farm Bureau $853
2 Auto-Owners $859
3 GEICO $887
4 Travelers $918
5 Erie $929
6 State Farm $943
7 MetLife $1,029

Unique Car Insurance Rules And Penalties In North Carolina

Also, keep in mind that in addition to liability coverage, you also need $30,000 of uninsured motorist bodily injury coverage per person, $60,000 of uninsured motorist bodily injury coverage per accident, and $25,000 of uninsured motorists property damage coverage per accident. By satisfying these requirements, you will be able to avoid penalties, fines, and fees.

For a first offense of driving without car insurance in the state, drivers will be assessed a civil penalty of at least $50, as well as a driver’s license reinstatement fee. A person’s car insurance registration can be suspended for 30 days or more, and probation can also be assessed. Second offenses see the civil penalties go up, and jail time could also be given. For third and subsequent offenses, the civil penalty rises even more, to $150. License reinstatement fees are still assessed, drivers registration is suspended, and possible jail time or probation will also be given.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $4,358 360% $3,411
Refused Breathalyzer/Chemical Test $4,011 324% $3,064
DUI $4,011 324% $3,064
Racing $4,358 360% $3,411
Reckless Driving $1,743 84% $796
Driving with a Suspended License $2,763 192% $1,816
At-Fault Accident $1,402 48% $455
Driving with an Open Container $1,275 35% $328
Operating a Vehicle Without Permission $1,275 35% $328
Passing a School Bus $1,718 81% $771
Improper Passing $1,403 48% $456
Following Too Closely $1,403 48% $456
Speeding $1,402 48% $455
Failure to Stop at a Red Light $1,275 35% $328
Illegal Turn $1,275 35% $328
Driving Wrong Way/Wrong Lane $1,275 35% $328
Failure to Yield $1,275 35% $328
Speeding in a School Zone $1,300 37% $353
Driving Too Slowly $1,300 37% $353
Distracted Driving $1,236 30% $289
Driving with Expired Registration $1,265 34% $318
Failure to Show Documents $1,142 21% $195
Not-at-Fault Accident $957 1% $10
Failure to Use Child Safety Restraint $1,265 34% $318
Failure to Wear a Seat Belt $1,265 34% $318
Driving Without Lights $1,265 34% $318

How To Get The Cheapest Car Insurance In North Carolina

Having a car insurance plan that covers your needs is essential. Without the protection of an automobile insurance policy, you could be held liable for tens of thousands of dollars of damages if you are deemed to be at fault in an accident. This is in addition to civil penalties, reinstatement fees, and difficulty getting to where you need to go because your driver’s registration or license is suspended.

Due to so many car insurance providers offering policies, there are many options available to you. These companies compete with one another, and each uses a different formula to determine the rates they give you on your car insurance quote. Find the top prices for car insurance at General using the free quote tools here on the site. Shopping around is the best way to save money on an automobile insurance policy. Making sure you are getting all of the discounts you qualify for is also essential. With discounts for being a good driver, having multiple cars on one policy, and more, drivers can lower their car insurance rates.

Some drivers also choose to raise their deductibles, so they are paying less money on premiums. People need to be able to afford the deductible they select, however. Make sure you can pay your deductible, otherwise it could result in legal liability, delayed automobile repairs, and more. Explore how your car insurance premium rates are affected by raising your deductible or lowering the amount of coverage on your plan using the free quote tools at General today.

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