Direct Auto Insurance is proud to provide affordable car insurance in North Carolina, with flexible coverage and convenient payment options 1 . In addition, Direct welcomes everyone 18 or older to apply for insurance coverage, even residents who may have been turned down by other North Carolina car insurance companies .
Some insurance companies turn down drivers for coverage because of a low (or no) credit score, poor driving history, and a number of other factors. At Direct, we work hard to give you affordable auto insurance even if you have an imperfect past. Direct gives you free quotes on flexible plans tailored to suit your needs, while still meeting the insurance requirements for North Carolina. Reach out online, over the phone, or chat in-store with an agent near you to get started. Read on for more information about car insurance in North Carolina.
Finding the Lowest Prices on Car Insurance in North Carolina
There are several factors that go into determining the rate you pay for auto insurance. These factors could include:
- Level of coverage you need
- Type of vehicle you drive
- Your driving history
- Your insurance history
The first step to finding a cheap car insurance rate is to decide how much coverage you will want.
Minimum Car Insurance Requirements
Each state has its own set of minimum financial responsibility requirements for vehicles operating in the state. In North Carolina, you are required to have liability insurance on all vehicles registered in your name and carry proof of insurance in these registered vehicles all the time. The state minimums are as follows:
- Bodily Injury Liability: You are required to carry a minimum coverage level of $30,000 for injuries or death to any one person in an accident and $60,000 for injuries or death to all persons involved in any single accident.
- Property Damage Liability : You are required to carry a minimum of $25,000 to cover damages to other people's property in an auto accident.
- Uninsured/Underinsured Motorist : Motor vehicle law also requires Uninsured/Underinsured Motorists coverage, which helps pay for the medical and related expenses you incur if you're injured in a car accident and the driver who is at fault does not have liability insurance, cannot be identified, or in some states, does not have sufficient insurance to cover your claim.
- Bodily Injury Liability (BIL): This coverage pays for medical bills and legal protection should you or another insured driver on your policy cause physical (bodily) injury to another individual while operating your vehicle. The “limit” is the highest amount your insurer will pay for each accident.
- Property Damage Liability (PDL) : This portion of the policy provides coverage for damage to other people’s property when you or another insured driver on your policy is operating your vehicle. This includes damage to the other party’s vehicle. It may also include damage to other property such as nearby fences, buildings, etc. The “limit” is the highest amount your insurer will pay in each accident.
- Uninsured/Underinsured Motorist : This coverage helps pay for the medical and related expenses you incur if you're injured in a car accident and the driver who is at fault does not have liability insurance, cannot be identified, or in some states, does not have sufficient insurance to cover your claim.
Consequences of Not Having Minimum Coverage
If caught, drivers who fail to maintain the state minimum for auto insurance coverage in North Carolina could face any number of penalties, including fines of up to $150, probation, suspension of registration, imprisonment, and other fees, according to the Consumer Federation . At Direct, we offer affordable car insurance plans with instant proof of insurance so you don’t have the face the high cost of driving without it.
What Other Products Does Direct Offer?
In addition to providing North Carolina drivers with the state minimums, Direct has additional coverages you may want to consider. These include collision and comprehensive to help pay for damage to your own vehicle during an accident or “act of God.” Direct also offers roadside assistance, emergency protection coverage, term life insurance, and motorcycle insurance.
For more information on the additional protection, check out our car insurance coverage page.
What if I Want to Know More?
If you have additional questions, need additional information about North Carolina auto coverage options such as roadside assistance, or would like a free car insurance quote, contact Direct Insurance by phone at 1-877-GO DIRECT (1-877-463-4732), online, or in person at one of our North Carolina office locations.
- North Carolina Division of Motor Vehicles
- North Carolina Department of Insurance
- Official State of North Carolina Website
- North Carolina Department of Transportation
1 NC policies underwritten by State National Insurance Company, Inc., Direct Auto Insurance as MGA.