How It Works
Enter your ZIP code and tell us what coverage you are looking for in North Carolina
See what North Carolina requires and compare quotes from licensed carriers
Choose coverage that meets North Carolina requirements and get proof of insurance
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Liability Insurance
Every vehicle on a multi-car policy must carry at least your state's minimum liability limits. Bodily-injury minimums range from $15,000 to $50,000 per person across states; property-damage minimums range from $5,000 to $50,000.
Full Coverage Car Insurance
Liability plus collision and comprehensive on a single vehicle. You can carry full coverage on one car and liability-only on another within the same multi-car policy.
Uninsured Motorist Coverage
Required in 22 states. Pays when an uninsured driver hits your vehicle. Applies per vehicle on a multi-car policy; some states mandate it on every car.
Multi-Car Policy Structure
A single policy covering two or more vehicles, each with its own coverage level. The multi-car discount typically requires all vehicles on the same policy and the same garaging address.
