Local Insurance Agents in North Carolina

Automobile Liability coverage must be regularly maintained in accordance with North Carolina motor vehicle law. The required minimums for coverage are $30,000 for bodily injury per person, $60,000 for bodily injury overall for all parties involved in an accident, and $25,000 for property damage.

The average cost of car insurance in North Carolina in 2022 is $431 per year for state-required minimum coverage limits and $1,392 per year for comprehensive coverage.

Yes, North Carolina is a no fault state. This means that you may file a lawsuit if it is established that the negligent behavior of the other party caused your injuries (e.g., reckless driving, failing to look out for you, etc.).

In North Carolina, you must have the following insurance coverage in order to lawfully drive a car: Liability protection for bodily harm: the bare minimum required by law $30 000 for each individual, and $60 000 for each accident. Liability protection for property damage: the $25,000 minimum required by law.

PIP coverage is not available in North Carolina. PIP insurance covers more than just medical costs, such as lost wages, unlike MedPay, which only covers medical expenses. PIP, however, usually involves a deductible and might ask the customer to cover a portion of the cost of the medical costs.

In North Carolina, the person at blame in a rear-end collision is often the driver of the car that hit the other car from behind. This isn’t always the case, though. In rare circumstances, the driver in front could also be blamed for the collision.

In North Carolina, non-owner auto insurance has an average annual cost of $414. Nationwide has the most affordable non-owner insurance in the state, costing an average of $293 annually. You can discover more about non-owner auto insurance in North Carolina and how it functions by consulting Money Geek’s in-depth guide.