Auto Insurance Center logo
(844) 777-5466
Enter Your Zip Code to Get
Insurance Offers in Your Area!
Get FREE Insurance Quotes:
  • Save up to $400 on average.
  • After getting instant quotes, there's no commitment to buy.
  • Spend 6 of the most useful minutes of your life with us.
  • Delivering car insurance coverage since 1997.
  • Your information is safe with us!

Best Cheap Auto Insurance in North Carolina

Best Cheap Auto Insurance in North Carolina

Before you start driving anywhere in North Carolina, it’s essential to make sure you meet the requirements for car insurance in North Carolina.All drivers in North Carolina must establish financial responsibility by purchasing at least a minimum amount of auto insurance as follows:

  • For injuries or death involving one person in one accident: $30,000
  • For injuries or deaths of more than one person in one accident: $60,000
  • For property damage: $25,000

Proof of Insurance

Drivers in North Carolina must be able to prove that they have North Carolina car insurance coverage. To provide proof of their car insurance in North Carolina, they must carry either a certificate of insurance (Form FS-1) or have the policy number and name of their insurance carrier. If there is ever a lapse in a driver's North Carolina car insurance coverage, he or she will receive a Form FS 5-7 from the DMV. This must be filled out and returned to the DMV within 10 days indicating the new auto insurance information. If the form isn't returned within 10 days, the motorist's driver's license may be suspended for 30 days and a penalty fee may be assessed. Before the person's driver's license can be reinstated, the penalty fee must be paid and a completed Form FS-1 must be provided to the DMV.

Cheapest Auto Insurance Quotes in North Carolina

Many drivers want the cheapest car insurance in North Carolina that will meet their minimum coverage needs. To find cheap auto insurance in North Carolina, you should first start by comparing different auto insurance quotes in North Carolina to see which insurance company can get you the best deal while providing a policy with all of the coverage you need.

Your eligibility for the cheapest car insurance in North Carolina will depend on several factors, including the kind of car you drive, your driving record, and where you live. An auto insurance company will take these factors and more into account when issuing you an auto insurance quote. When you’ve received an offer for cheap auto insurance in North Carolina, be sure to look a little further to see if there isn’t a better deal still out there.

North Carolina Insurance Fraud

Insurance fraud in North Carolina comes in many forms. Some of these are as follows:

  • Referring people to lawyers and doctors for a fee.
  • Falsely reporting a stolen car.
  • Charging for new parts when used parts are utilized.
  • When traffic accident doctors charge excessively.
  • Staging crashes and charging unsuspecting victims' insurance carriers.
  • "Paper Accidents," where an accident report is filed but no accident really happened.
  • False insurance policies and fake insurance cards.

Alcohol-Related Accidents

North Carolina accidents caused by drivers with a blood alcohol content (BAC) level of 0.10 percent and higher result in the greatest number of injuries and fatal accidents. Alcohol-related deaths and injuries cost the state millions of dollars each year.

Strange North Carolina Laws

Every state has a number of outdated laws on the books. These can be funny, nonsensical and even bizarre. Here are a few of North Carolina's unusual laws:

  • In North Carolina, it is illegal to sing off key.
  • Clubs in North Carolina are not allowed to hold meetings when their members are wearing costumes.
  • It is illegal for dogs and cats to fight.

Driving in North Carolina

People who want to tour North Carolina should take the Outer Banks Road Trip. Motorists will see old, working lighthouses, surfers and kayakers braving the ocean waves, a car ferry, seafood restaurants, quaint shops and museums packed to the brim with North Carolina history.

One of North Carolina's most notable historical sites is the Wright Brothers National Museum in Kill Devil Hills. Did you know that this is where the Wright Brothers took their first flight?

Auto Insurance Center Methodology

Auto insurance quotes are for a hypothetical driver who has state minimum coverage with $500 deductibles for one vehicle. The driver is male or female, 35 years old, has good credit, a college degree, and is employed with a clean driving record, no lapse in coverage, or claims. The vehicles are driven 16,000 miles per year for commuting and are garaged on premises. The auto quotes include common discounts and are estimates, but not guaranteed.