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North Carolina’s Auto Insurance Minimum And High Risk Drivers

In North Carolina the minimum amount of coverage is 30/60/25 and the numbers are in thousands. The numbers mean your policy would pay up to a maximum of $30,000 to any one person injured by a covered driver or up to $60,000 for all injured parties combined, as a result of one accident.

Also, North Carolina minimum coverage has a single limit of liability for all property damage resulting from any one accident which is $25,000.

Since the state has motorists driving without insurance there is a requirement to have uninsured motorist protection (UM) on the policy. The minimum amount of UM is required to include the same minimum as bodily injury and property damage.

Policies with limits greater than the minimum has to provide a combine uninsured/underinsured motorist coverage.

Although these are the minimums for NC it is highly recommended to get more cover for newer model vehicles or vehicles worth over $3,000.

Since the state has a high occurrence of hurricanes comprehensive cover should be considered. Comprehensive insurance will cover accidents such as falling objects, fire, theft, explosion, earthquakes, windstorm, hail, vandalism, damage from riots, animals, and breakage of windows or glass.

Collision cover will protect you from damage from another vehicle and may be required coverage if your vehicle is financed from a bank or lending institution which may require comprehensive cover too.

The average amount of auto insurance in NC is as follows:

  • Bodily Injury Liability – 100,000/300,000
  • Property Damage Liability – 50,000
  • Medical Payments Cover – $2,000
  • Uninsured/Underinsured Motorist – 100,000/300,000
  • Comprehensive Coverage – $0 deductible
  • Collision Coverage – $250 deductible

High Risk Drivers

In the state of NC it may be difficult for “high-risk” drivers to get insurance. High-risk drivers are considered those which may have Driving Under the Influence (DUI), serious traffic violations such as reckless driving, or an inexperienced driver which is considered to have less than three years of driving experience.

If you are high-risk driver you can enter your zip code at the top of the page and get quotes from top insurance companies for free.

You want to get as many quotes as you can to compare since insurance companies have their own method to determine high-risk drivers.

The most common method to get insurance for high-risk drivers is through a company that writes nonstandard business.

You may be asked to sign a “consent-to-rate” form. What that means is you are willing to pay higher than normal car insurance rates which have been not been filed with the state of North Carolina in order for the company to underwrite the policy.

Local Car Insurance Agents in North Carolina

Shaun Fyffe
Hi, I am Shaun Fyffe and writing is my passion. In my spare time I enjoy the outdoors, spending time with my family, sometimes I might go hiking or riding a bike, plus doing the regular hanging out - New York Style!

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