Anamarie Waite, Car Insurance Writer
@anamarie.waite
Full coverage insurance in North Carolina is usually defined as a policy that provides more than the state’s minimum liability coverage, which is $30,000 in bodily injury coverage per person, up to $60,000 per accident, and $25,000 in property damage coverage. Full coverage in North Carolina also includes optional collision and comprehensive insurance. As a result, full coverage insurance costs an average of $1,454 per year in North Carolina, while a state minimum policy costs $511 per year.
If you can’t afford to repair or replace your car after an accident, collision and comprehensive are important coverage types—even if they’re not required. Collision insurance covers repair or replacement costs if you are in an accident, drive into an object, or flip your car. Comprehensive insurance covers repair or replacement costs if your car is damaged by falling objects, natural disasters, floods, fires, theft, vandalism, or animals. Full coverage insurance costs an average of $1,454 per year in North Carolina, while a state minimum policy costs $511 per year. Lenders usually require collision and comprehensive in addition to the insurance you must have under North Carolina law when you finance a car.
Most people should also choose higher liability coverage limits than what is required by North Carolina law. If you cause an accident and your liability limits don’t cover the whole bill, you are still personally responsible for the rest. In the end, “full coverage” means having the right amount of coverage to protect your assets in a worst-case scenario.
People also ask
What happens if I'm at fault in a car accident?
If you’re at fault in a car accident, your liability insurance pays for the other driver’s car repairs and will likely cover any doctor’s bills if they’re injured. No-fault states are the exception, as they require each driver to use their own insurance to pay for medical expenses after an accident. But regardless of the state, fault always dictates whose liability insurance pays for property damage.
Your liability insurance never covers your own expenses, so you...
read full answerHow much car insurance do I need in North Carolina?
Drivers in North Carolina need $30,000 of bodily injury liability insurance per person (up to $60,000 per accident) and $25,000 of property damage liability insurance. North Carolina also requires uninsured motorist protection. UM replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits.
Here’s How Much Car Insurance Drivers Need in North Carolina:
| Coverage Type | Minimum Coverage Limit |
| ... | $30,000 |
When should you drop full coverage on your car?
You should drop full coverage insurance on your car when the cost of the insurance equals or exceeds the potential payout, should a covered event occur. You may also want to drop full coverage if you are willing to pay for repairs out of pocket, or if you would prefer to replace your vehicle if it’s damaged.
For example, an older car with high mileage may not be worth costly repairs, and you might want...
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