Coverage
Auto Insurance
North Carolina changed its minimum liability limits in 2025, and most drivers have not looked at a declarations page since. We quote across the carriers we vet and explain what the numbers on yours mean.
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What auto insurance covers
Liability
Bodily injury and property damage you cause, and the legal foundation of every policy. North Carolina raised the required minimums to 50/100/50 on July 1, 2025, up from the 30/60/25 that had stood since 1999.
Uninsured and underinsured motorist
Now mandatory in North Carolina at limits matching your liability. It covers you when the other driver has too little insurance or none at all, and because the limits track your liability, raising one raises the other.
Collision
Repairs to your own vehicle after an accident, whoever caused it. Not required by state law, but your lender will require it for as long as there is a loan or a lease on the car.
Comprehensive
Theft, vandalism, storm damage, falling limbs, and the deer that came out of nowhere. On this coast it is also what responds when a tree comes down on the car during a named storm.
Medical payments
Medical bills for you and your passengers after an accident, paid regardless of who was at fault. A small limit here settles a lot of small claims without anyone arguing about liability first.
Roadside and rental
Tows, jump-starts, lockouts, and a rental car while yours is in the shop. This is the coverage people are most glad to have on the shoulder of a bridge in traffic.
Higher limits
The state minimum is the lowest limit the law allows. A serious accident can pass $100,000 in medical bills alone, so we show you the dollar difference between minimum limits and higher ones before you decide.
Classic and specialty
Classic, collector, and specialty vehicles rated on agreed value instead of book value. A standard policy pays what a valuation guide says, which is not the same as what the car is worth to you.
Who it’s for
Who needs auto insurance
Everyday commuters
Reliable protection for the daily drive, without paying for coverage that will never get used.
Families with teen drivers
Multiple cars on one policy, often with a newly licensed teenager added to it.
New drivers
Building a record from scratch. The inexperienced operator surcharge now runs eight years for licenses issued after July 2025, up from three.
Classic and specialty owners
Vehicles worth more than a valuation guide will admit.
Our process
How we quote auto coverage
Send what you have now
Your current declarations page tells us your limits, your deductibles, and whether the policy has renewed under the new North Carolina minimums yet.
We shop the market
We quote across the carriers we vet and look at the whole picture, since deductibles and limits move the number as much as the carrier does.
We show you both options
You see the minimum-limit version and a higher-limit version side by side, with the dollar difference between them, and you decide which one to buy.
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Common questions
Questions we hear about North Carolina auto coverage
Since July 1, 2025 the minimums are 50/100/50, meaning $50,000 per person and $100,000 per accident for bodily injury plus $50,000 for property damage. Older policies keep the previous limits until they renew.
Uninsured motorist coverage pays when the at-fault driver has no insurance. Underinsured motorist coverage pays when they have some but not enough to cover your damages. North Carolina now requires both at-fault and underinsured motorist coverage to match your liability limits, and the law removed the old setoff, so you can collect from the other driver and from your own coverage. The 2025 law also eliminated the liability setoff. UIM benefits used to be reduced by whatever the at-fault driver’s liability carrier paid. Now you can collect the full UIM amount on top of that payment.
The Safe Driver Incentive Plan is how North Carolina handles violations and at-fault accidents. Points produce direct premium surcharges instead of a separate filing, and shopping the market matters more once you have them.
North Carolina applies contributory negligence, one of the strictest standards anywhere. If you are found even partly at fault you may recover nothing from the other driver, which is why your own coverage carries real weight here.
It is worth pricing. The minimums were set as a floor rather than to match what a serious accident actually costs, and we put the difference between tiers in dollars so you are deciding with real numbers.
Often, and it is worth quoting both ways. Bundling discounts are real, but an independent agency can also split home and auto across two carriers when that combination works better for you.
Get started
Quote my auto
Send your declarations page, and a licensed agent will follow up the same business day with quotes on the same coverage.