Anamarie Waite, Car Insurance Writer
North Carolina is an at-fault state, which means that the at-fault driver is responsible for paying for everyone injured in the accident. There are no restrictions on the right to sue after an accident in at-fault states, even if the insured buys personal injury protection (PIP). North Carolina also requires uninsured motorist protection, which replaces the liability coverage another driver should have had and pays for your costs up to policy limits.
Drivers in North Carolina are required to carry at least $30,000 in bodily injury liability insurance per person, up to $60,000 per accident, and $25,000 in property damage liability insurance. When an insured driver is responsible for an accident, liability insurance covers the other driver’s expenses.
On average, state minimum coverage costs $735 per year in North Carolina, but there are many factors that can affect how much you pay for a policy. Any coverage above and beyond what is required by North Carolina law is optional, but it’s usually worth the money to get some additional protection. The biggest reason is that state minimum coverage doesn’t protect your personal vehicle. For insurance to pay for damage to your car, you’ll need full coverage.
In North Carolina, full coverage refers to a policy that includes collision and comprehensive, plus higher coverage limits than what is required by state law. Full coverage car insurance costs about $2,219 per year in North Carolina. There may be cases when you don’t need full coverage insurance, but North Carolina drivers should buy as much coverage as they can afford as a general rule.
Most policies offer coverage for six months to one year at a time and can be paid in a variety of ways, including monthly payments. The best car insurance companies in North Carolina balance affordability with quality coverage and strong customer service. You can easily get a quote from top companies like State Farm, Geico, Nationwide, Erie Insurance, Alfa Insurance, and NC Farm Bureau online or over the phone, or use WalletHub’s comparison tools to find the best car insurance policy for your needs.
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