Cheap car insurance in North Carolina

You’ll need to be able to provide proof of liability insurance before you can title a vehicle or renew your vehicle registration in North Carolina.

The type of North Carolina driver’s license or permit you need depends on the type of vehicle you drive, your age and driving experience, and other factors.

You also need to get to know the state’s rules of the road. You can download the North Carolina Driver’s Handbook or pick one up at your local North Carolina Department of Motor Vehicles (DMV) office.

Each state establishes its required minimum car insurance coverage limits. Here are the coverages and limits you need on your policy to legally drive in North Carolina:

• $30,000 for bodily injury liability or death of one person

• $60,000 for bodily injury liability or death of two or more people

• $25,000 for property damage liability per accident

You’re required to carry UM bodily injury liability coverage if you meet but don’t exceed the bodily injury liability limits above. If you own more than one vehicle, each must have the same UM bodily injury liability limits.

You’re also required to carry UM property damage liability. All your vehicles must have the same UM property damage liability limits.

You need to have UIM bodily injury liability if your standard bodily injury liability coverage exceeds the minimum required limits above. To purchase UIM coverage, you also need UM coverage on your policy. All vehicles on your policy need the same UM/UIM bodily injury limits.

Looking for a simple way to potentially save even more money on your car insurance? Talk to your agent to see if you qualify for one—or several—of the car insurance discounts we offer in North Carolina:

• Multi-car

• Prior insurance (Transfer)

• Air bag

  • This discount only applies to medical payments coverage.

  • If your vehicle is equipped with air bags, you’ll get a discount on your medical payments coverage.

• Homeowner

Your driving history is just one of several factors that can determine how much you pay for auto insurance in North Carolina. If you’ve had your driver’s license for less than three years, auto insurance companies will likely consider you an inexperienced driver, which may result in higher rates. As you gain experience—and establish a clean driving record—you may see your rates decrease.

Your insurance company can provide you with a certificate of insurance—commonly referred to as an FS-1 form—so you can show proof of liability insurance. Make sure you carry your auto insurance ID card in your vehicle as well.