You’re required to carry the following minimum limits for liability coverage:
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:
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:
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.
Auto insurance companies consider several factors to determine your car insurance costs, including:
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.
You’re required to provide proof of liability insurance from a North Carolina-licensed insurance carrier when:
You can provide any of these documents as proof of insurance:
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:
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.