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Get affordable North Carolina car insurance

To legally register a vehicle and drive in compliance with North Carolina car insurance laws, you’re required to carry continuous liability insurance. This coverage helps cover costs related to accidents you’re fully or partially at fault for.
Get your fast, free Dairyland® quote for North Carolina car insurance.

Minimum liability requirements for North Carolina

You’re required to carry the following minimum limits for liability coverage:

  • $30,000 bodily injury per person
  • $60,000 bodily injury per accident
  • $25,000 property damage per accident
  • $30,000 uninsured motorist bodily injury per person
  • $60,000 uninsured motorist bodily injury per accident
  • $25,000 uninsured motorist property damage

Maximum liability limits in North Carolina

Carrying the minimum liability coverage limits helps you comply with insurance requirements, but it can leave you vulnerable to out-of-pocket costs. If you choose to purchase additional coverage, keep in mind the maximum coverage amounts we offer in your state:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $50,000 property damage per accident
  • $100,000 combined uninsured and underinsured motorist bodily injury per person
  • $300,000 combined uninsured and underinsured motorist bodily injury per accident
  • $50,000 uninsured motorist property damage

If you’d like to learn more about these auto insurance coverages, give us a call at 888-344-4357.

Optional auto insurance coverages from Dairyland

In North Carolina, your auto insurance company is required to offer you bodily injury coverage, property damage coverage, uninsured motorist bodily injury, and uninsured motorist property damage coverage. With Dairyland, you can also choose from several additional, optional coverages:

  • Accidental death and dismemberment
  • Collision
  • Other than collision (comprehensive)
  • Medical payments
  • Towing and labor
  • Extended transportation (rental reimbursement)

We also offer antique auto (liability only) and named non-owner policies. If you frequently drive a vehicle that doesn’t belong to you, named non-owner coverage can help financially protect both you and the vehicle’s owner.

Get a Dairyland® quote for your NC auto insurance.

Cost for North Carolina car insurance

Auto insurance companies consider several factors to determine your car insurance costs, including:

  • Location: If you live within a ZIP code that has relatively high instances of crime or theft, you may see higher premiums than drivers who live just a few towns over. Whether you live in Charlotte, Raleigh, Fayetteville, or Greensboro, Dairyland offers affordable auto insurance options to help keep you safe. Get a quote now.
  • Years of driving experience: Your years of driving experience are determined by the date you first received your original driver’s license. Your rates improve as you gain more experience.
  • Your car: The make, model, and age of your vehicle will impact your rates. Newer vehicles with advanced technology or custom parts can be more expensive to repair—and insure—than older models with standard parts. Additionally, in North Carolina, your car must be 20 years old or newer to get collision and other-than-collision (comprehensive) coverage from Dairyland.
Get a Dairyland® quote for reliable NC car insurance.
  • Credit score: Insurers often use your insurance score to help determine your premium rates. Because your credit score plays a role in determining your insurance score, having a higher credit score can help you get better rates.
  • Driving record: You’ll typically pay more for insurance if you have violations, speeding tickets, or accidents on your record. Some North Carolina auto insurance providers won’t allow optional coverages, such as collision or other-than-collision (comprehensive) if you have multiple violations over the past three years. If you’ve been turned down for coverage with another provider, call us at 888-344-4357 to get your free quote and get covered, regardless of your history.

Dairyland auto insurance discounts available in North Carolina

We offer the following discounts to North Carolina drivers. Contact us to learn more—you could qualify for more auto insurance discounts than you realize.

  • Prior insurance (transfer)
  • Multi-car
  • Air bag
  • Homeowners

Proof of insurance

You’re required to provide proof of liability insurance from a North Carolina-licensed insurance carrier when:

  • You apply for an original driver’s license, including a transfer from out of state
  • Your license is being restored after a revocation or suspension
  • You’re awarded a limited driving privilege by the court

You can provide any of these documents as proof of insurance:

  • DL-123 form obtained from your insurance agent
  • An insurance binder
  • A vehicle insurance policy that includes your name and the issue and expiration dates
  • An insurance card with your name, policy number, and issue and expiration dates

Lapses in insurance coverage

If you have a lapse in car insurance in North Carolina, your insurance company will notify the DMV, who will then mail an FS 5-7 notice to you. You’ll need to complete the form and respond within 10 days. To retain your license plates, you’ll also need to re-certify with updated insurance information and pay a penalty within the 10-day window. If you don’t respond within 10 days, you can lose your license plates for 30 days. To get them back, you’ll need to:

  • Provide proof of insurance coverage with form FS-1
  • Pay a civil penalty fee, a $50 service fee, and a license plate fee

Cheap NC car insurance with Dairyland

We’ve served drivers like you since 1953. When you choose auto insurance from Dairyland, you receive affordable rates and down payment options, exceptional service, flexible policy terms (six and 12 months), and coverages that make sense for you, your vehicle, and your financial situation. Get a fast, free quote for cheap North Carolina car insurance so you can get covered and drive on worry-free.

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