NC Car Insurance
Minimum NC auto insurance limits
With North Carolina's rough terrain and heavy traffic in the larger cities, the state has instituted laws to ensure that all drivers take the steps to be fully protected from accidents and property damages. Thanks to a healthy competition among North Carolina's insurance providers, premiums for car insurance in North Carolina do not have to break the bank. You can find low prices and discounts for your NC auto insurance, and that's what NC-Car-Insurance.com is here to help you do. Request a free, no obligation quote for N.C. car insurance today!
Basic requirements for NC car insurance
The minimum amount of coverage required by the state is 30/60/25. This means that there is a $30,000 limit for injuries per person involved in an accident, with $60,000 being the maximum amount for each accident. The $25,000 coverage limit is for property damage liability for repairs to buildings, other automobiles and state roadway property.
Even though North Carolina doesn't require you to carry uninsured motorist coverage, it's always a good idea to purchase this coverage. The main reason is because of the high risk of being involved in an accident with an uninsured driver. In North Carolina, one in every twelve drivers is uninsured.
Is minimum auto insurance in NC enough?
The minimum required limits for North Carolina car insurance may not be enough to pay for injuries, car repairs, and damaged property. The state recommends that vehicle owners get additional coverage that is greater than the required minimum. They also encourage drivers to get comprehensive and collision coverage to protect their personal property and cover damages that the driver causes or for damages incurred without another vehicle being involved.
There may be an occasion in which the other driver does not have sufficient coverage to repair the damages you have incurred. If you want even greater protection, obtain comprehensive and collision North Carolina auto insurance to be sure that there are no financial burdens should you be involved in an accident.
If you are not sure about types of coverage, rates, or deductible requirements, you can request a free quote to hear from our experienced representatives. We can help you with questions and give you a quote to get you fully protected in case of an accident or damage to your personal property with your North Carolina auto insurance.