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Minimum North Carolina Car Insurance Coverage:

Under North Carolina car insurance laws, you must purchase at least the following coverage for every vehicle:
Required Coverage
Liability:
Bodily Injury
Property Damage
Uninsured Motorist Bodily Injury
(Can be waived in writing)
Uninsured Motorists Property Damage
(Can be waived in writing)
Underinsured Motorists Coverage
(Can be waived in writing)
 State Minimum Limits

$25,000/$50,000
$15,000
$25,000/$50,000

$15,000

$25,000/$50,000

Complete Your North Carolina Car Insurance Coverage
Add to your car insurance protection with the following coverages:
Medical Payments
Comprehensive
Collision

Making Smart North Carolina Car Insurance Choices
According to North Carolina car insurance professionals, you should carry at least the following limits of coverage:
Liability Coverage
Uninsured Motorist
Medical Payments
Collision
Comprehensive
 $100,000/$300,000/$100,000
$100,000/$300,000/$100,000
$5,000
$500
$500

If you want to purchase a North Carolina car insurance umbrella policy, most insurance companies require you to carry specific limits of liability on all your underlying (automobile and homeowner's) insurance policies. In many cases, you may be asked to have limits of $250,000/$500,000 in order to be eligible for an insurance company's umbrella coverage.

A Final Word on North Carolina Car Insurance
When choosing your North Carolina car insurance coverage, keep these tips in mind:
North Carolina car insurance premiums are determined by weighing a number of different factors and deciding how much of a risk each of those factors represents—including the age of drivers, driving record, etc. Some factors you have no control over. Others you have choices that can help you lower your North Carolina car insurance premium. Here are some suggestions.
  • Many experts recommend a deductible of between $500 to $1,000 to help lower your North Carolina car insurance premiums. The more you’re willing to pay out-of-pocket, the better your premium can be.
  • If the resale value of your car is less than $3,000, many experts suggest that you consider dropping collision and comprehensive coverage altogether. It is an expensive part of your North Carolina car insurance. However, if you do drop this coverage and your car is stolen or you crash it, you would have to pay for repairs or replacement yourself.
  • Be sure to ask about any available North Carolina car insurance discounts. How much and what things can earn you a discount will vary from company to company and even from state to state. It’s still always worth asking about.
    Every dollar helps.
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