North Carolina auto insurance

Are there any specific requirements for North Carolina auto insurance?

Yes, drivers in the Tar Heel State must carry liability coverage limits of at least :

  • $30,000 in bodily injury per person
  • $60,000 in total bodily injury per accident
  • $25,000 in property damage per accident

north Carolinians are besides required to carry either uninsured motorist coverage ( UM ) or uninsured/underinsured motorist coverage ( UM/UIM ). The claim requirements vary based on the indebtedness limits you select :

Uninsured motorist coverage (UM)

UM pays for checkup expenses resulting from an accident caused by an uninsured driver, vitamin a well as price to your vehicle. This coverage is required if your bodily injury liability limits are $ 30,000 per person/ $ 60,000 total per accident. UM coverage must be written on all vehicles at the same restrict. however, you can purchase higher UM limits than your bodily injury liability limits. The minimal limits you need with UM coverage are :

  • UM bodily injury: $30,000 per person, $60,000 per accident
  • UM property damage: $25,000

Important note: Uninsured motorist coverage is not available if bodily injury liability limits are greater than $ 30,000/ $ 60,000.

Uninsured/underinsured motorist coverage (UM/UIM)

UM/UIM covers checkup expenses for you and your passengers, vitamin a well as damage to your vehicle, if you ‘re hit by a driver with little or no insurance. This coverage is required if you choose bodily injury liability limits of $ 50,000 per person/ $ 100,000 sum per accident or greater. UM/UIM must be written on all vehicles at the same restrict. The minimum UM/UIM coverage limits are :

  • UM/UIM bodily injury: $50,000 per person, $100,000 per accident
  • UM/UIM property damage: $25,000

Important note: Uninsured/underinsured motorist coverage is not available if your bodily wound liability limits are $ 30,000/ $ 60,000 .
These are just the minimal limits and coverages North Carolina requires. It ‘s generally a good theme to carry higher limits or add more coverages to better protect yourself.

Learn more about uninsured motorist coverage .

Collision/other than collision coverage can protect your vehicle

If you ‘re leasing a car or making monthly payments, you ‘ll probably need collision /other than collision coverage since most lenders require them ( other than collision coverage is referred to as comprehensive coverage in other states ). But flush if you own your vehicle outright, these coverages can be identical helpful if your car is always damaged or stolen so you can avoid paying for repairs or a new vehicle yourself.

Learn more about car coverages available from Progressive .

How much does car insurance in North Carolina cost?

North Carolina had one of the lowest modal expenditures for car policy in 2017, according to the Insurance Information Institute. Keep in thinker that rates can vary based on a number of factors, such as your driving history, ZIP code, and the limits and coverages you choose .

How about discounts? How can I lower my cost?

progressive offers many discounts to help you get cheaper car insurance in North Carolina. hera are a few :

  • Continuous insurance
  • Smart technology
  • Advance quote
  • Online quote
  • Five-year claim-free
  • Three-year safe driving
  • Automatic card payments (ACP)
  • Paperless

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