The state of North Carolina has over 100 car insurance companies licensed to sell auto insurance throughout the state meaning a very competitive marketplace for drivers looking for car insurance coverage.
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North Carolina Car Insurance Requirements
Car insurance in North Carolina is regulated by the North Carolina Department of Transportation (also known as NCDOT) and mandatory auto insurance requirements were introduced in 1957. Obviously these limits have changed over the years but in 2010 the NCDOT requires all motor vehicles registered in the state to have liability insurance coverage with minimum coverage of at least:
- $30,000 in coverage for injuries sustained by a single
- $60,000 in combined coverage for injuries to all parties in an accident
- $25,000 in property damage coverage
North Carolina’s minimum car insurance requirements are higher than most states and some feel these are reasonable for the average person however North Carolina does not have no-fault car insurance laws so most drivers opt for much higher limits than state minimum requirements as the potential cost associated within any accident can be much greater than these limits. Additional car insurance coverage is very affordable and its not uncommon for drivers to secure $100,000 to $300,000 in coverage for a small premium increase.
North Carolina Car Insurance Companies
North Carolina residents can choose from a wide number of car insurance companies including GEICO, Farmers, State Farm, Allstate and Progressive for their auto insurance needs but like all financial purchases you should spend time comparing potential providers on more than just cost (premiums). Some of the most important factors to consider when comparing car insurance companies include:
- Coverage Details inc/ policy limits and deductibles
- Discounts Available
- Company reputation for handling claims
- Hours of Operation
- Industry Ratings by companies like A.M. Best and J.D. Powers & Associates
- Policy Premiums
- and more
While it is mandatory to have car insurance you are not obligated to use any particular company so take your time, do some research, learn about car insurance and ultimately choose a car insurance company that you feel comfortable with.
North Carolina Car Insurance Quotes
The best way to get North Carolina car insurance quotes is to start a car insurance comparison search online. This way you can compare North Carolina car insurance companies from your home without the pressure of a pesky insurance agent.
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