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North Carolina Auto Insurance

One can trace the very origins of all the existing auto insurance rules to North Carolina. You must realize that things were much different a long time ago and people used to pay for expenses incurred (in case of a motor vehicle accident) from their very own pockets.

However, when people started to abuse the system, the authorities had to step in. They formulated strict rules pertaining to auto insurance coverage in the United States. Most of the states still follow these even on this day (with appropriate revisions). Anyway, for the time being, allow me to shed some light into the auto insurance rules in North Carolina.

You are given two options - you can opt for an appropriate auto insurance coverage from a company that is designed to give them out, or you can opt for self-insurance. Regardless of the method or manner followed, you will have to carry the proof of auto insurance with you in the vehicle at all the times.

What are the minimum liability amounts that the insurance policy must fulfill? The state department of insurance, North Carolina follows the 30/60/25 (injury to the individual/total number of injuries per accident/damage of public or private property) paradigm.

As we had seen in some other states, the auto insurance companies in North Carolina work close with the state department. Now if they find that your auto insurance coverage has lapsed, they will initially notify you. If you do not renew the policy or opt for a new one from another insurance company, the state department will receive a notification. In short, there is no escaping from the law, and you are bound to follow it instead of looking out for shortcuts. Strict punishments and hefty fine amounts are in store for the offenders who fail to respond to the notifications issued by the state department.

Surprise checks are common in North Carolina. You will be allocated predefined time to show up with the proof of insurance. The "instant fining" system is only applicable to long term offenders. The fine amounts might start from something as trivial as $50 and can range up to $500 or even more. The state department also has the authority to cancel or suspend your driver's license and the vehicle's registration - if you are committing the same offence repeatedly.

Fortunately, the department does not force uninsured and underinsured coverage on to the vehicle owners. They must, however, give a written testimonial - that they are exempting themselves from these out of their own will. The consumer services department of North Carolina actively takes care of the complaints filed against auto insurance companies. Since many establishments operate in and around North Carolina, it is relatively easier to find a suitable insurance provider. The consumer also has the provision to file complaints via the internet; the same is applicable while searching for feasible North Carolina auto insurance quotes. As always, do keep us updated with your findings!

Some of "our" insurers...

AAA Auto Insurance

The Auto Insurance Company that's known to defend the rights of each motorist, as well as provide great coverage...


Allstate Auto Insurance

Allstate is the second largest car insurer in the United States, and one of the most financially secure ones too!


State Farm Auto Insurance

State Farm Insurance is the largest auto insurer in the United States and has been so for sixty-seven years. A true giant in car insurance!


21st Century Auto Insurance

For over 50 years, 21st Century Auto Insurance has been gaining market share, and we believe they're one of the best insurers out there...


GEICO Auto Insurance

One of the country's most trustworthy insurers, insuring well over 10 million motor vehicles on the road today...



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