Auto · North Carolina
I-40 at 8am, the Durham Freeway at 5, and every backroad in between. Auto coverage built for how Triangle drivers actually drive.
North Carolina requires more of them than most states do. Here's what each one is for.
Pays for injuries and property damage you cause to other people. As of July 2025, North Carolina requires at least 50/100/50 on every policy.
Required in NCNorth Carolina now requires UM/UIM coverage at limits matching your liability. In a contributory negligence state, this coverage matters even more than usual.
Required in NCFixes your own car after an accident, whoever caused it. If the car is financed, your lender almost certainly requires it.
RecommendedThe non-collision stuff: theft, hail, fire, vandalism, a deer on Highway 751 at dusk.
RecommendedCovers medical bills for you and your passengers no matter who was at fault. Inexpensive, and it fills a real gap here.
OptionalA tow when you need one and a rental while yours is in the shop. Small add-ons that earn their keep the one week you use them.
OptionalThe rules changed here in 2025, and most drivers haven't sat down with what that means. The short version, sourced.
$50,000 per person, $100,000 per accident, $50,000 property damage on every policy written or renewed since July 1, 2025. The old 30/60/25 floor is gone. Source: North Carolina Department of Insurance.
Uninsured and underinsured motorist coverage must now be included at limits at least matching your liability. You're protected from the driver who carries nothing. Source: North Carolina Department of Insurance.
North Carolina is one of the last states where being found even slightly at fault can bar you from recovering anything from the other driver. Your own limits do the protecting here. Source: NC General Statutes and NCDOI consumer guides.
North Carolina sits below the national average for full coverage. Your ZIP code, record, and vehicle decide where you land. Source: industry rate surveys, 2026.
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