North Carolina car insurance

What liability insurance is required in North Carolina?

North Carolina law requires you to have liability car insurance. This coverage protects others if you cause bodily harm or property damage to them. It's important to know this coverage doesn't cover you, your car, or your personal belongings.

Drivers must have a car insurance policy with the minimum coverages of²

• Bodily Injury Liability: $30,000 per person and $60,000 per accident
• Property Damage Liability: $25,000 per accident
• Uninsured/Underinsured Bodily Injury Motorist Coverage: $30,000 per person and $60,000 per accident
• Uninsured/Underinsured Motorist Coverage: $25,000 per accident

You may see this written as 25/50/25.

Remember, this is only the minimum Liability Coverage required by law. You may want to think about increasing your limits for more financial protection. You should also consider other types of coverage that can give you even more protection.

What's considered "full coverage" car insurance in North Carolina?

"Full coverage" car insurance can mean different things to different people. Legally, in the state of North Carolina you're only required to have the state minimum coverage.

However, “full car insurance” or "full coverage" is often thought of as having the state minimums and

• Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
• Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car

For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.

What North Carolina car insurance coverage is right for you?

All North Carolina drivers must have the state minimum auto insurance coverages. But, based on your budget and needs, you may want to consider higher limits for more protection. We'll help you customize your North Carolina car insurance to get the coverage that fits you. See all of our auto coverage options.

What's the best car insurance in North Carolina?

Liberty Mutual understands that everyone has individual needs when it comes to their North Carolina auto insurance. Some might want the cheapest North Carolina car insurance, while others want more coverage and an auto insurance company they know they can trust. Let us help you customize your North Carolina car insurance, so you only pay for what you need.

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