North Carolina Auto Insurance

Direct Auto Insurance is proud to offer auto insurance in North Carolina. At Direct, our service extends to those who may not be accepted by other North Carolina auto insurance companies. We offer affordable auto insurance quotes, regardless of past credit score or driving history, flexible auto insurance coverage plans to fit your needs, and easy access to agents in your neighborhood, online or over the phone.

Below is some information and answers to common questions about North Carolina Auto Insurance:

Where do I find the cheapest car insurance in North Carolina?

North Carolina car insurance rates can vary depending on your driving record, the type of vehicle you drive, and of course, the amount of coverage you choose. One of the first places to start your search for cheap auto insurance quotes in North Carolina is to decide how much coverage you are required to maintain.

Minimum Car Insurance Requirements in North Carolina

North Carolina requires all vehicles you have registered to be covered by insurance that includes:

Bodily Injury Liability coverage of at least $30,000 to cover injury or death to any one person that results from an auto accident, and $60,000 to cover injuries to or death of more than one person resulting from an single auto accident.

Property Damage Liability coverage of at least $25,000 to cover damage to the property of others caused by an auto accident.

Coverage Definitions

Bodily Injury Liability (BIL): covers the damages resulting from physical injuries or death that you or those insured on your policy cause someone else as a result of an auto accident. Bodily Injury Liability coverage can also be used to pay for legal defense costs in the event you are sued by the injured party of an accident. The “limit” is the maximum amount your insurance company will pay for bodily injury damages.

Property Damage Liability (PDL): covers the damages that you or those insured on your policy cause to another person’s property while operating your vehicle. This covers damage to a third party's property such as vehicles, poles, fences, etc. The “limit” is the maximum amount your insurance company will pay for property damage.

What happens if I don’t have the minimum coverage?

North Carolina law requires that all motor vehicles registered in the state maintain liability insurance coverage and carry proof of insurance in vehicles at all times. Drivers caught without the proper minimum coverage are subject to punishment such as fines and suspended licenses. Direct offers cheap auto insurance policies with instant proof of insurance to make finding auto insurance quick and hassle-free.

Are there additional coverage options?

Direct not only offers the required coverage for North Carolina drivers, but also offers additional coverage such as comprehensive, collision and uninsured motorist coverage. Direct also offers motorcycle insurance and road side assistance.

Check out the Auto Insurance Coverage page to discover other protection coverage Direct has to offer.

Need More Information?

If you still have questions, would like to learn about other North Carolina auto insurance options like Uninsured Motorist Coverage, or if you would like to get an affordable auto insurance quote, then contact Direct Auto Insurance: online, over the phone (1-877-GO-DIRECT), or at one of our office locations.