North Caroliona Car Insurance

Car Insurance in North Carolina

In the state of North Carolina you can satisfy the states requirements of financial responsibility one way by securing an auto insurance policy through a state licensed insurance company. Below are the corresponding tabs with the minimum requirements to satisfy your financial responsibility to drive. The Penalties tab covers the consequences for not carrying insurance or driving without proof of insurance. Review these tabs and our supplemental insurance pages on purchasing, car insurance discounts, and claims to make sure you are 100 % prepared to take responsibility for driving on the roads. The best insurance of course is to take your North Carolina online drivers ed course and learn to be a safe driver with igottadrive.com.

Purchasing auto insurance to meet your financial responsibilities in the state of North Carolina requires all drivers to carry the following minimum amounts of insurance. These minimums will get you on the road however you should consult your insurance agent to make sure you are properly covered for potential incidents that you may encounter. Even as a new or returning driver discounts are available to help you better protect you and your vehicle.

Minimum requirements:

$30,000 of coverage for injuries or death involving one person in a single accident.
$60,000 of coverage for injuries or deaths involving two or more people in a single accident.
$25,000 of property damage coverage.

Accepted proof of insurance:

Form DL-123 from your insurance agent
Vehicle insurance policy reflecting your name and the issue and expiration dates
An insurance binder
An insurance card with your name, the policy number and issue and expiration dates

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For more information about insurance in the state of North Carolina you can contact the North Carolina DMV at 919.715.7000 or visit the North Carolina DMV web site.

The state of North Carolina takes driving with out being properly covered or not having the financial wherewithal to cover an auto accident very seriously. The following  list of penalties are in place to keep people from taking the risk of driving with out coverage. These penalties are to be taken seriously and are here to help protect  you and your automobile in the event you are in an accident.

State Penalties:

Can result in the loss of your license plate for 30 days.
Re-licensing after loss of license plate:
In order to relicense after 30 days, you must:
Provide proof of insurance coverage Form FS-1 (which you can obtain from your insurance agent);
Pay a civil penalty fee of $50.00, $100.00 or $150.00 (depending on how many prior paid lapses you have General Statute 20-311).
Pay a $50.00 service fee;
And pay the appropriate license plate fee.

Don't be that guy. Get auto insurance and know your covered? use the quote finder in the upper right corner to get started.

For more information about insurance in the state of North Carolina you can contact the North Carolina DMV at 919.715.7000 or visit the North Carolina DMV web site.