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North Carolina Car Insurance

Some of the best views of the mountains in North Carolina can be seen from the Blue Ridge Parkway. Is the ocean more your speed? Take a drive to the Outer Banks and relax in the sand. Mountains, beach, or anywhere in between, make sure you’re prepared for unexpected accidents on the road. Amica is here to help you find your specific coverage needs for driving in North Carolina so you can hit the road with confidence.

Amica offers customized North Carolina car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don't settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote that meets your unique coverage needs.

North Carolina's required auto insurance limits

In North Carolina, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $30,000 per person
    • $60,000 per accident
  • Property Damage Liability Coverage:
    • $25,000 per accident

Bodily injury liability coverage: Coverage to protect you from the financial consequences of causing bodily harm to others in an auto accident. This extends to coverage for medical expenses, pain and suffering, rehabilitation costs and lost wages. It may also cover legal defense costs if you're sued. This coverage is subject to policy limits and exclusions.

Property damage liability coverage: This coverage helps with damage you cause to someone else's property in an auto accident where you're at fault. It includes costs for repairing or replacing the other party's vehicle and other damaged property, like buildings or fences. It may also cover legal fees if you're sued for the damage. Coverage is subject to limitations and exclusions.

In addition to the minimum liability coverage requirements, North Carolina mandates coverages for uninsured motorist bodily injury and uninsured motorist property damage, with the following minimum limits:

  • Uninsured Motorist Bodily Injury Coverage:
    • $30,000 per person
    • $60,000 per accident
  • Uninsured Motorist Property Damage Coverage:
    • $25,000 per accident

Uninsured/underinsured motorist bodily injury coverage: Provides protection if you're injured in an accident caused by a driver who’s uninsured or doesn't have enough coverage to pay for your medical bills and other expenses.

Uninsured motorist property damage coverage: This coverage protects your vehicle in the event it's damaged in an accident caused by an uninsured driver or unidentified hit-and-run driver.

It's important to understand that these are just the minimum requirements, and North Carolina drivers may choose higher coverage limits for added protection.

Additional North Carolina car insurance coverage

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It's not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages North Carolinians might consider:

  • Comprehensive (other than collision): Coverage for damage to your vehicle that isn’t the result of a collision with another car or object. This includes damage caused by falling trees or rocks kicked up by other cars.
  • Collision coverage: No-fault coverage that helps pay for repairs to your car if it's damaged in a collision with another vehicle or object.
  • Medical payments: Covers medical expenses for you and your passengers after an accident, regardless of fault. Medical payments coverage can help cover costs like hospital stays, surgery and rehabilitation.
  • Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto/loan lease coverage: Covers the difference between what you owe on your loan or lease and the current value of your vehicle if it's totaled in a covered accident.
  • Towing and labor coverage: Around-the-clock roadside assistance, providing services like jumping dead batteries, towing your car and unlocking car doors.
  • Repairing or replacing auto glass: Repair or replacement of your damaged windshield, windows and other auto glass, without a deductible.

How North Carolina car insurance rates are determined

There are several factors that impact auto insurance in North Carolina, including individual circumstances, geographical location and more. Here are key points to consider:

  • Driving history: Your individual driving record significantly impacts insurance premiums. Drivers with clean records may have lower premiums, while drivers with a history of accidents or traffic violations typically face higher rates.
  • Coverage options and limits: The types and amounts of coverage you choose affect premiums. Opting for the minimum state-required coverage tends to be more affordable, whereas adding optional coverages with higher limits increases premiums.
  • Vehicle type: The make and model of your vehicle can influence North Carolina car insurance rates. Factors such as safety ratings, repair costs and the likelihood of theft contribute to premium calculations.
  • Claims in your state: North Carolina auto insurance rates may be influenced by the frequency and severity of claims filed in the state. Higher rates of accidents, theft or other incidents could lead to increased premiums for all drivers in North Carolina.
  • Weather patterns in North Carolina: Weather-related incidents like hurricanes can impact insurance rates, particularly for comprehensive coverage that includes protection against weather-related damage.

It's important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Explore North Carolina auto insurance discounts for more savings

Amica offers various auto insurance discounts to help North Carolinians save money on their premiums.1 Here are some ways to save

  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
  • Discounts for your car’s systems
    • Anti-theft: We’ll reward you for keeping your car safe and secure with anti-theft devices, like car alarms and GPS tracking systems.
    • Passive restraints: If your car is equipped with passive restraints, like airbags, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings.
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your North Carolina policy premium upfront.

If you're a North Carolina driver in need of both auto and home insurance coverage, it's worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, you’re eligible to save up to 30% with a multiline discount.

Facts and figures about North Carolina

Fun facts about North Carolina:

  • North Carolina is home to the first public university in the U.S., the University of North Carolina at Chapel Hill.2
  • North Carolina is known as the "First in Flight" state because of the Wright brothers’ flight at Kitty Hawk in 1903.2
  • North Carolina is known as the “Tar Heel State” for the tar produced by their longleaf pine trees.2

Facts about driving in North Carolina:

  • Safe Driver Incentive Plan (SDIP) is a North Carolina point-based system that sets specific credits and surcharges that an insurance carrier can apply to your premium. Good drivers may receive lower rates, while unsafe drivers may see increased rates.3
  • In North Carolina, teens are eligible for a limited learner’s permit at the age 15.4
  • It’s the law in North Carolina for drivers to turn on their headlights when the windshield wipers are in use.4

How to get car insurance in North Carolina

We’re here to guide you through the process of personalizing your car insurance in North Carolina. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs. 

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to North Carolina drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, North Carolina drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 S20 Facts About North Carolina
3 Safe Driver Incentive Plan
4 North Carolina Driving Laws

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